23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

RE : USAA Savings Bank I entered an automatic payment of {$230.00}, and stipulated the posting date as XXXX XX/XX/XXXX. 

On XXXX XX/XX/XXXX, the amount was withdrawn from my bank. 

However, funds were not available on my prepaid XXXX. 

On XXXX XX/XX/XXXX, I spoke with a USAA CSR, ( 40 minutes, 54 seconds ). 

I was told that my " payment history '', " credit history '', " source of funds '', and " # of payments '' were factors related to the delay, and that a 10-day hold had been placed on my account. Notification of the " defender hold '' was not received via the app, email, phone, text, or USPS. Of note : ALL of my prior payments were made prior to the due date, I hadn't made any attempt to exceed the prepaid limit of my card, ( {$250.00} ), the account used for the payment had remained consistent, and prior payments were posted upon receipt. 

I was dissatisfied with this explanation, and XXXX, ( XXXX ), refused to provide his employee id #. He further suggested that the " payment was large, compared to my credit limit ''. 

A subsequent CSR educated me about the Credit Card Act of 2009 and " money laundering ''. 

The hold caused significant financial financial distress, in that I was attempting to pay the entire balance due, had no access to the funds in my checking account OR XXXX for 10 days. I had no access to other funds.
Product: Consumer Loan

I am coming to the conclusion that Check N Go is making it difficult for clients to pay on their loan intentionally, and not making the terms of their loan agreement accessible. I have tried to locate my loan docs online, and am unable to. When I ask a rep, they direct me to the online account website to no avail ... they stated it may be a problem on my side. When I try to pay the loan online or over the phone, it seems my account number can not be found and it is too late to pay over the phone. The loan accumulates interest at {$15.00} per day, making it beneficial for Check N Go to prolong payments. During the XXXX holiday, I tried to pay but was unable to, and accumulated {$30.00} in interest just because there was no way for me to pay. This seems like unfair lending practices to me.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and address I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$390.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} Collection account XXXX Balance : {$1300.00} ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Vehicle loan or lease

I had bought a vehicle from XXXX XXXX in XXXX of XXXX. Everything went fine and theuir were no issues at first. I received my policy documents and noticed that were thousands of dollars tacked onto the loan that I did not agree to or was aware of. So I reached out to the dealership responsible and had them send the money to XXXX XXXX for roughly {$4300.00} and XXXX XXXX informed me that it would push the payments I owed back so that I would not have to pay for awhile. 
Come XXXX of XXXX I had firgured I had several months left of no payment but they reached out telling me I was late. At this time I was confused and found out that XXXX XXXX had received payment but it did not lower the length of the loan- did not pay towards the front end- or my monthly payments. Several weeks calling XXXX XXXX and nobody could explain what happened to the money given to them. 
So I started the dispute process. During the dispute process XXXX XXXX told me that one option was to redo the loan with the lower loan balance due to them getting a payment from the dealership. I told them I would love to do that because I was experiencing financial hardships and the lower payment amount would help. They lost the call apparently and could not find any evidence that happened. 
Then I got a letter saying that it would eventually go into repossession status with no resolution to my claim. So I called trying to pay them several thousands of dollars to keep my loan and the XXXX XXXX representative told me that they would not accept any payment other than the entire {$32000.00} remaining on the loan. I told them I had notified them of financial hardship and did not have {$32000.00}. They would not accept any other solution and repossessed my vehicle while having an open dispute as of XXXX of XXXX. 
To summarize : They told me a dealership payment would go towards the front end of the loan and I would not owe for awhile and lied. It did nothing to help my loan as payments and lease term remained the same Told me we would be able to redo the loan with a lower loan amount to help me lower my payments and start fresh. Then " couldn't find the call '' Took the vehicle from my driveway during an active claim Refused to take payment from me so that I could resolve my vehicle being in future repossession status.
Product: Prepaid card

I have been waiting since XXXX XXXX to access my money and my card is not reflecting the correct balance. I have made over a dozen attempts to get this corrected and no one helps me. This is dealing with Rushcard. I am very fed up. No one wants to help nor compensate me for the hardship this ha caused me while on vacation. They wont tell us what happened just continues to make excuses. You can also check there XXXX page lots of angry customers.
Product: Credit reporting or other personal consumer reports

Hello i recently look to my credit report and i was shocked to see that i have been victim of identity theft, i found on my credit report fraudulent account, that i want to dispute, i am in the process to buy a new car but this fraudulent information harm my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Charges {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

You have no permissible purpose by law to contact third parties with my private or personal information.Your offenses amount to aggravated Identity Theft pursuant to 18 U.S.C 1028A.You have knowingly transferred, possessed, or used, without lawful authority, a means of identifications of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
account deleted from my consumer rep This agency is a violation of 15 USC 1692g.This is an official dispute of this account.I demand the above account deleted from my consumer report.
Product: Debt collection

I have submitted disputes for this account I have sent letters to the creditor to validate the debt they have not provided me any responses. This account has deprived me of an opportunity to purchase a home. I am a XXXX veteran and I have been XXXX so I never had time to watch my credit now that I am not XXXX I have been noticing things on my credit report that are fraudulent. 
This is a violation of my rights under FCRA laws.
Product: Credit card or prepaid card

I recently identified fraud on my Chase Amazon card, going all the way back to the beginning of XXXX. The fraudulent transactions were also made at amazon.com, so they blended into my regular amazon purchases. 

Because the fraudulent/unauthorized charges were made by a family member, Chase considers the charges legitimate/authorized and expects me to pay for them ... even though my credit card was stolen, and I didn't approve any of these transactions.

This is a clear violation of the Fair Credit Billing Act ( FCBA ) and fraud liability guarantee. 

XXXX XXXX XXXX
Product: Mortgage

I submitted a loan modification application to Seterus, over two months ago and the company refuse to process the application and refuse to give me information concerning my loan. I received a letter from Seterus, requesting my attorney 's information but I do n't have XXXX. The company also incorrectly calculated payments from Florida XXXX XXXX, applying more interest than the contracted amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXXXXXX XXXX XXXXXXXX sold me a vehicle with a price tag of XXXX when all was done the price went around XXXX for a loan to get the vehicle. They ran my credit XXXX times and then after I was approve the charged me a XXXX XXXXXXXX XXXX down payment.
Product: Debt collection

I was contacted from this company Alliant IG Because I had a debt of road for a apartment complex Lived in. XX/XX/XXXX I payed them XXXX because they said if I did t pay by the XXXX They would send my debt to my credit score. I told him that is the best I could do at this time and they would have to wait until I can do more down the road since then they have continued to contact my place of employment and would just hang up but when you call the phone number back it goes right back to them we asked him to stop contacting us but they continue to contact us. They are contacting me and my fianc
Product: Checking or savings account

I've had problems using a debit card issued by Citizen 's ( after it's taken over XXXX ). I have money in my account, but my transactions are being declined. 

Customer service is off-shored and the wait times are hideous. ( This is a matter of public record per Citizen 's online customer ratings. ) Whatever has happened -- or isn't happening -- has caused innumerable issues in innumerable lives. And, of course, this is in the context of people frayed and fraught after two years of COVID and its collateral damages. 

How can a bank be so impersonal, cold and calculating, power-hungry and greedy right out of the gate? 

It seems downright evil. ( I don't use that word lightly. )
Product: Debt collection

Midland credit agreed to delete the account from all three credit bureaus if the account was resolved. The account was paid as agreed by their attorneys within the specified time frame. Midland credit has failed to remove the account and shows a past due balance although the account has been resolved in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act accounts XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/ XXXXXXXX XXXX/DEPT OF ED, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, has violated my rights.

15 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.CC 1681 SECTION 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus failed to respond within the time frame allowed by the FCRA. I have had such a hard time trying to get them to remove inaccurate information as well as the credit freeze. Please help
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX I took a second look at my credit report, I also noticed that this account is reporting incorrectly. The payment history is not accurate at all the following dates are reporting inaccurate, So for the year XXXX for Experian shows XXXX, XXXX, XXXX, XXXX, XXXX. all on time payments, XXXX shows XXXX, XXXX XXXX, paid on time except, XXXX and XXXX was no payment. XXXX shows XXXX, XXXX, XXXX, paid on time except for XXXX and XXXX, Therefore this report is showing inaccurate reporting, According to the FCRA, I have the right to an accurate credit report, Iam now requesting you Investigate this account and update to Paid on time immediately
Product: Student loan

I submitted a Loan Discharge Application due to Unpaid Refund. The servicer Responded that my application met the criteria and never provided Original Account-Level Documentation with an account ledger.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 4th dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received correspondence from the Dc Bankruptcy Court that they did share myt information with the credit bureaus. I sent the letters to the all Credit Bureaus Equifax, XXXX, and XXXX they refuse to remove the Bankruptcy from my credit report. Even after I got Verification.
Product: Credit reporting or other personal consumer reports

I am appalled by the lack of responsibility on your behalf. When is the Equifax, XXXX, and XXXX going to fix all the erroneous information on my personal credit file? For the past months my requests have been overlooked. Discontinue the stall tactics and please repair the following accounts XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$4100.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$8.00} ; XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$4800.00}. If your investigation can not confirm the accuracy of the information I believe to be incorrect, please rectify the issue immediately. Additionally, please provide a description of the procedure used to determine the accuracy and completeness of the information to my address provided.
Product: Credit card

Capital One applied my {$100.00} XXXX 2016 payment for card ending XXXX to XXXX 2016 thus appearing as though I made XXXX payments for XXXX. This resulted in no payments being applied for XXXX 2016 and a late fee. Upon further inspection I noticed another late fee on both of my cards from the beginning of the year. My employer switched from bi-monthly to bi-weekly pay. I am requesting Capital One to reapply my {$100.00} payment from XXXX to XXXX 2016 as intended. I am requesting all late fees on both cards reversed. I am requesting lower APR 's as both cards currently have excessive rates. I am also requesting paper statements as I have not received any statements and therefore been unable to review my account.
Product: Credit reporting

I sent a letter to Equifax letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Equifax did n't remove the accounts they sent me a letter back saying that the items had been verified. I have requested an investigation and re-investigation on XX/XX/2016, XX/XX/2016 and again on XX/XX/XXXX, both times my request were ignored. I am asking that these accounts be removed as they are fraudulent and both request to have them investigated have been ignored.
Product: Debt collection

I contacted the " original creditor '' XXXX to inquire about an apartment and filled out an application and told them not to process the application. They processed the application without my permission, I disputed the {$75.00} charge with my bank and it came back that I in deed did NOT sign off on anything and my back refunded my money after my attempts to get in contact with the company who owns the apartment to get a refund. Now they have sold this account to " rent recovery '' and it shows up on my credit report. This account is frivolous and must be removed as soon as possible or I will take legal action against XXXX and Rent Recovery
Product: Credit card

The issue is with CareCredit. Despite their own system showing discrepancies among my Account Balance of {$680.00} and my Promotional Account Balance of {$620.00}, which is a difference of only {$62.00} in late fees, the agent XXXX and his manager XXXX continued to insist that I owed them {$94.00} to bring my account current. When I asked why, they both said that they do n't calculate why I owed " that way. '' I replied, " then, there 's something wrong with you. '' I guess they do n't do it mathematically. I think their system had not updated yet, but they were not willing to update or correct, even for the sake of logic. 
So, in their website, there were discrepancies among my Current Balance, my Promotional Purchases Balance, and my monthly payment amount. Despite their admission that my initial balance was {$750.00}, and they had already credited my account for {$120.00} in payments from XXXX/XXXX/15 through XXXX/XXXX/15, putting my Promotional Purchase Balance as {$620.00}, and their admission that they had only charged me {$62.00} in late fees, making my Current Balance {$620.00} + {$62.00} = {$680.00} ; these customer service agents insisted that I owed them {$94.00}, instead of {$62.00} to bring my account current. They could not be bothered to correct their system, for the sake of logic!
Product: Credit reporting or other personal consumer reports

As a consumer I am exercising my rights under 16 cfr 313.7 - Form of opt out notice to consumers ; opt out methods.

( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time Today XX/XX/2024 I am opting out [ 15 U.S.C. 1681b ] Permissible purposes of consumer reports ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of t
he consumer to whom it relates.

15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) PRIVACY OBLIGATION POLICY It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers Nonpublic personal information.

( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available +information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information. 
( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

.
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 : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX and 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

Re : Equifax Dear Equifax, This is a declaration of your negligence to abide by THE FAIR CREDIT REPORTING ACT enacted by Congress. XXXX XXXX XXXX. closed accounts # XXXX, and XXXX. A request to deleted these accounts was submitted to the three major consumer reporting agencies during the next reporting. However, these accounts which were deemed as fraudulently open are still reporting on my credit file. In spite of that, you have also exceed the 30 day period to credit agencies to investigate disputes additional were given to resolve this matter. Your company as well as XXXX both received a notarized copy of an identity-theft report and identity affidavit. Further collections were terminate then deleted without coincidence with XXXX XXXX XXXX. Knowingly reporting information known to be fraudulent is unethical and shall lead to litigious action as wells as civil and punitive damages of these accounts are not deleted. Please be advise that this is also a prominent offense of defamation whereas misrepresenting my name with debtors I am not associate with. You have 15 days to deleted this accounts otherwise there shall be legal action taken. 

Thank you..