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

Hard enquiries were done on my report without me knowing and i dont recognise any 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 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 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 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
Product: Credit card or prepaid card

Because of fraud charges, I had to be issued a new credit card. After I had it activated, I went to Paypal in order to update my information, and discovered that my new credit card number had already been updated! 

I immediately called Paypal, thinking that a hacker got into my credit card account and also my Paypal account. But no, Paypal tells me that this happened because of an agreement they have with my bank, XXXX XXXX, so that when I get a new card, they automatically send the new number to Paypal. 

I am furious. Paypal never informed me about this agreement. 

After going around and around with my bank, I find out that this agreement Paypal is referring to is called the Automatic Billing Updater. It is a service provided by Mastercard to merchants who pay them money so that if any of their customers change credit cards, the merchant is sent the new card info. 

Paypal does not mention that they participate in the Automatic Billing Updater anywhere in their privacy policy. 

I should be the only one who can give out my credit card number! The fact that Paypal believes they should be able to get it without my consent is abominable! 

I contacted Paypal asking to be opted out on their end, as my bank will not let me. This time I was told by a " supervisor '' that Paypal is not aware of using an Automatic Billing Updater, and I should contact my bank. 

This is unbelievable! No one wants to take responsibility for using this service. How can it be that merchants can participate in a service that gives them my credit card number without my consent? How can they lie about this service and hide it? How can the representatives know one minute what I am talking about, and state they never heard of such a thing the next? How can they get away with not stating that they do this in their privacy policy? And how can they get away with not giving their customers an option to opt out? 

I am XXXX, and reading on the computer is extremely hard for me. After searching all over Paypal 's website for days, my son finally ( four days after the incident ) found mention of this service in their user agreement. It is an obscure line which reads " If this information changes, we may update it as directed by your bank or card issuer without any action on your part. '' If they think this is enough of a heads up for their customers, they are mistaken. We also found on the Paypal community forums where many people have been surprised by Paypal updating their card info, sometimes even before they themselves received their new card. 

This needs to change. How in the world did it become okay for anyone but me to give out my credit card info? The fact that Paypal is allowed access to my credit card information with out my consent and then takes no responsibility for it, makes Paypal extremely unsafe, and unsecure.
Product: Vehicle loan or lease

I sold my car at beginning XX/XX/. The new owner informed me there was lien against the car by Ally Finance per XXXX. XXXX stated an Lien Release should have been sent out. The car was paid off XXXX XX/XX/2023, I contacted ALLY Finance about the lien against the car, not receiving any paperwork stating it was paid off or Lien Release . They state they did not know why it had not been release and they would send paper by mail only. They would have to mail it taking 10- 12 business day. After waiting the informed time, I call back numerous time and was told it was sent out in the mail. An letter was received on XX/XX/2023 stating car was paid off. On XXXX, I took copy of title and letter to XXXX. I was informed the letter received was not a Lien Release. A basic letter stating car was paid off without the require Seal/Stamps and not acceptable by XXXX. I call back to ALLY Finance and they pretended to not know why this letter was unacceptable by XXXX and they would just send out another letter in 10- 12 business days. AT this point the car has been returned back to me. the tags have been return to XXXX and there is not insurance on the car. ALLY Finance has refused to provide the Lien Release for the car and XXXX is suggesting I go to another location and speak with someone about this issue, but there is no location in my area.
Product: Checking or savings account

Full Name : XXXX XXXX XXXX Full Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email Address : XXXX Ph : ( XXXX ) XXXX Todays Date : XX/XX/XXXX USAA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Formal Complaint Regarding Non-Receipt of Authorized Check Dear USAA XXXX XXXX XXXX, I am writing to formally address a serious issue regarding a check that was supposed to be issued to me in the amount of {$130000.00}. According to my records, this check was authorized by XXXX XXXX, the CFO at USAA, and was scheduled to arrive on XX/XX/XXXX. Unfortunately, I have yet to receive this check, and I am deeply concerned about its whereabouts. 

The absence of this check has not only caused significant financial strain but has also had a detrimental impact on my mental well-being. I kindly request that you refrain from denying any disputes regarding this matter, as the situation has become life-threatening and has led to considerable stress. 

Given these circumstances, I urge USAA to investigate the situation promptly. If the check has been lost or stolen, I ask that you issue a replacement check as soon as possible to alleviate the difficulties I am currently facing. 

I appreciate your attention to this matter and look forward to your swift response. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I am upset and disappointed at how Guild mortgage has handled my loan, and my request for payment assistance. I have a foreclosure sale date for  XXXX   XXXX ,  2017, I  fell behind due to unseen circumstances, and I could not pay my mortgage payment. I told a representative from Guild mortgage that due to loss of income, I needed a more affordable mortgage payment. After fighting for my rights as a homeowner with Guild representatives, I was finally offered a modification. The modification offered to me brought my mortgage payment higher and I was informed it was an FHA or HUD disaster relief modification program. My home has not suffered any damages, and there has not been any disasters around my area why was I approved for this modification? I have read the guidelines for this program, and due to a disaster they bring the mortgage payments down. It does not make sense to bring my payment higher and make this offer. My home needs repairs but there is no serious damage due to a disaster. I can send proof that my home has not suffered any damages. I made no payments on this offer due to the higher payment. I called last week on  XXXX   XXXX  asking how much time they needed in order for me to submit a complete modification packet before an auction sale date. I was told that they would not review any packets due to FHA offering me a modificattion already. That I had to w ait two years  in order for me to reapply. This is absurd!! I have never been through so much stress with a company. All of this has made me thing that Guild mortgage engaged in fraudulent and deceptive practices. I dont want to lose my home, Guild made an offer without reviewing my income and expenses, they just made the offer with a higher payment. I keep falling further behind, and all I am asking is for a fair review of my financials and for Guild to postpone my sale date while I submit documents. I am asking  for FHA/ HUD to give m e an opportunity to submit a complete packet. Its impossible for me to wait two years, my home is about to sell.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft- Someone/ Or persons have received appliances from west-creek financial- and use my name and identity/social security number without my permission- Credit cards with XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX- I did not give consent to do such applications online- I have fraud alerts on my accounts I was never called or reached out to approve or deny these accounts. 

Please know that the Only accounts that should be reporting on my Credit Reports is below. 

XXXX  and XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX All others I am given the agencies- XXXX, XXXX and XXXX XXXX remove all others. 

I was threaten by a company to sue me over a XXXX XXXX XXXX that I did not own- it was open from the result of fraud/Identity theft. My personal name and information has been used to open up accounts without my consent. 

I have been a Victim and advocate against such crimes since XXXX  XXXX XXXX XXXX XXXX
Product: Debt collection

I was sent through a text message on my phone from speedy cash, which I have no dealings with, but the kept trying to contact me. So heres the last harassment : Legal Matter. 

Read all case related information carefully we will not able to provide you any information over the phone if you willing to settle this matter out of court call us on listed number. 

Three Criminal allegations against your name under Financial Fraud are : - Violation of federal banking rules and regulations. 
Theft by deception Breach the contract with Loan Company The affidavit states that you went online or to the store utilizing your personal information which was track down by anti-fraud department, in order to solicit funds from My client which is XXXX XXXX XXXX.Basically all the loan companies in your state they are working under my client 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 ) so its doesnt matter from which website or from which store you taken out this loan main lender have a rights that they can file complaints and recover outstanding balance in the courthouse. 

As of today rather than chasing you for money XXXX XXXX XXXX has simply decided to write this money as loss & declared to be stolen by you & want to press legal charges on you & on your Social security number. We will be in contact with your current employer & the state credit bureau to garnish your paychecks until the total amount gets paid back to your creditor in full with the interest amount & the late payment charges. 

Your Credit score will hit by negative XXXX points & your drivers license will get blocked. 

You do have right to hire an attorney, if you dont have one or you can not afford to have one that shall be appointed to you by the Federal Court, but make sure you have someone to who can bail you out once you lose this case in the county court. 

Now this case going to be downloaded in your State County Court and your Local County Sheriff department after that you will be forced to resolve this case legally by facing all the legal problems and spending money on your attorney as fees, case execution charges, legal penalties, bail charges, paper development charges on the top of the due amount that you owe from your creditor that is {$950.00} NOTE : This case is under investigation by the credit bureau so we cant accept your payment from your bank account or your debit card we can only accept EFTS ( Electronic fund transfer system ) payment at this moment so kindly contact on the listed number below to get the information for the XXXX XXXX and XXXX XXXX. 


XXXX XXXX XXXX XXXX To Remind you, I have never taken any loans out through this company. I have through a different company which is paid off.
Product: Student loan

First this is not the correct reason but theres no " other '' option to choose. My complaint is with Navient. I recently ran into a problem with being able to pay them as agreed unfortunately. For reasons related to covid and because I recently experienced fraud on my bank account and had to close my account and open a new one. My student loans are all through the Department of Education. Unbeknownst to me, because Navient is servicing those loans of about a billion people which includes myself, the CARES ACT does not apply to us. Extremely unfair. Bot knowing this I was not aware that I wasnt protected under the CARES ACT. After keeping up with my payments up until XXXX of last year, Navient reported me late even tho I contacted them to tell them what was going on as I did with my other debt. No outlet or resolution was offered to me until last week when I called again because they reported me delinquent and caused my credit score to decrease by 66 points because I have 3 loans serviced by them. During that call I inquired about the CARES ACT and it was only then that I was notified that they were exempt from that due the PHELPS clause. WHAT!! My student loans ate federal not private and through the dept of edu but because they're servicing them they're exempt and after never missing a payment through the worst part of COVID I'm not delinquent and the only resolution to this is to sign up for another repayment option or complete a consolidation app to have my loans transferred back to the dept of edu. I never asked for my loans to be serviced by Navient to begin with and I can not get any assistance through the act because they service it. If I go to the dept of edu and consolidate then I'm looking at a 6 % interest rate and instead of owing XXXX I'll up XXXX. How is this helping. Why does others benefit from bot having to pay until XXXX. This is extremely unfair and needs to be addressed!
Product: Debt collection

Received notification from creditor advising a debt was owed by me. There was no information validating the debt is owed by me. This company is in violation of the FCRA reporting standards.
Product: Credit card

As I await an answer from Bank of America, regarding Complaint XXXX, I have received yet another pre-selected credit card offer, with the same exact criteria, as sent in two previous offers, though, when I applied, they denied my application. 

Again, I am wondering what exactly has changed, since the BOA system seems to continue to generate and send these offers with guarantees, BOA has no intention of fulfilling.
Product: Debt collection

On XXXX, NCC Business Services , Inc. forwarded me a debt collection letter stating that I owed the XXXX, NV. the amount of {$2500.00}. I indicated that I informed management that I have to relocated back to XXXX due to my leased home being foreclosed on. I presented the foreclosure notice to XXXX XXXX and her manager, with initials XXXX. They both waived any cost and informed me to just clean the apartment which I did. Six months later I received a collection letter stating that I owed the apartment said amount. I stated that the paperwork was fraudulently prepared after I left XXXX XXXX. The lady that prepared the fraudulent paper was named XXXX XXXX. XXXX XXXX told me that the debt was still owed for seven years and that I needed to pay since this was an attempt to collect a debt. XXXX XXXX, NCC Business Services, would not give me the bonding license number for his company. When I ran a debt collection search on his company ; no record appeared. XXXX XXXX told me to file a police report claiming fraud which I did : XXXX. The paper work in this case was fraudulently prepared as an insurance scam. It claimed that I did {$2500.00} of damage to the property but no pictures. This was done after I moved. My name was forged. In XXXX XXXX, I filed a lawsuit and it listed the XXXX as credit entries : civil action no. XXXX. The lawsuit investigation revealed fraud by this company and the entries were removed. At the time of the lawsuit, none of the old XXXX XXXX employees still worked there. There was no way of verifying the debt. I asked XXXX XXXX why after six years was he attempting to collect this debt now and put it back on my credit report. I asked him for the proof of transferring the debt to his collection agency and the name of the person who activated this account on XXXX XXXX, XXXX. He stated that he no longer had time to talk to me and hung up. I immediately contacted XXXX and asked to speak to the old employees. XXXX XXXX stated that none of those individuals worked there and that the property was no longer XXXX XXXX because the old company had been bought out in XXXX. XXXX XXXX stated that the new company was now called XXXX XXXX XXXX XXXX ( XXXX ). XXXX XXXX is attempting to engage in theft by deception. I would like his company put out of business for fraud.
Product: Credit card

USAA did not follow procedures when they processed and disbursed convenience checks on a credit card individual account I had where my ex-wife forged my signature and took money from there causing a balance. For the past year I have been in contact with USAA calling and going to the branch.I started the process to buy a house with my now wife and realized they credit account still showed a balance. I went several times to USAA since.I requested the convenience checks that showed my ex-wife handwriting. She NEVER had a power of attorney or authorization to use that account. My ex-wife was hiding all this even from the court during the divorce and custody and diverted the correspondence so I did not find out about this. This person committed tax evasion as well and I have proof of that plus other things she did where she forged my signature and used my social security without authorization. I informed USAA of the issue and suddenly in XXXX I receive a cancelation of debt ( form XXXX ) from USAA stating that shows the balanced owed as canceled. They are still reporting to the credit bureaus a balance on the account.I went with my now wife to USAA and was connected with their call center to request a letter that states the balance is cero in the account due to the cancelation of debt. The representative stated that they indeed sent a cancelation of debt but technically I still owe the money. I told them there is no way I can still owe something they have written off for the fraud they allowed when my ex-wife forged my signature and in their notes is like that. They are trying to claim a lost and also keep me in their books like I still owe what they have canceled. I believe that is also fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XX/XX/XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX, PA XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and 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 identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

Send payment immediately via Certified Funds to : XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX Best regards, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I got a call from a Citi fraud rep advising me my debit card had been skimmed at a gas station and that the skimmer was using my card in Texas at a best buy. The rep then told me to log into my app and hit okay on a wire transfer so they could lock my account. I didnt realize that scam callers could spoof your banks number. Actual Citi reps have called me before and give them the verification code to make changes to my account before so i assumed this was what was going on since they also asked for the code. I filed a dispute with Citi but I got a letter today XX/XX/XXXX stating t hat since the wire came from my app they will not be refunding me the {$2800.00} that was taken out of my account. I did not benefit from this transaction at all and was actually scammed and now they are shutting down. Please assist
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

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

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

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