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

I opened an Account with fifth third bank on XXXX XXXX. I tried to change my direct deposit to the new bank account. My payroll department had not yet verified the bank by the date my payroll check should have been released so I received a " Live Check '' I went to the branch located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. The check amount was XXXX. I spoke with a teller, whom was extremely rude to begin with. She proceeded to deposit the check without informing me that there policy states that new deposits are subject to a hold. Had I been informed I would have taken the check to The issuing bank and cashed it. Now after speaking with the branch manager he informed me that the hold will not be removed until XX/XX/23. I was under the impression that Federal law states that XXXX should be released on the account within 24 hrs. until the hold is released. I am not able to access said funds still. I spoke with XXXX who is a supervisor at the customer service center. She informed me that funds should be available Saturday XX/XX/23 and they have no way of accessing the XXXX. I was under the impression that with payroll checks this is FEDERAL LAW. I am now in a situation where my bills are being paid late, which I never do. All of this due to " Confidential Information that check may not be paid '' I have never cashed or deposited a bad check. I Am reporting this because I do not feel like this situation was handled correctly, or with myself as a consumer at heart. I will be looking into legal action for coverage of the loan i had to take to pay my bills on time before accruing late fees.
Product: Credit card or prepaid card

Automated " KYC '' Account Closure - no final warning given during pandemic while working out of State as an essential  worker for Critical Infrastructure  experiencing logistical  issues due to quarantine, shutdowns, regulatory closures, supply chain issues, increased hold times, protests and other substantial factors. 

Two accounts affected within USAA were a checking account, and a USAA branded XXXX Credit Card with a XXXX limit. Payment history is impeccable. Balance owed is XXXX and credit to debt ratio will be severely impacted by this adverse action taken by the automated closure process. 

I am anticipating an increase from 53   % CDU  to 82  % CDU  being reported - and a potential damage to my financial reputation and credit worthiness / risk category that can and has been leveraged by this very institution to justify rate increases on all banking products as well as insurance via the complex sharing of consumer financials via XXXX XXXX, 3 Bureaus and XXXX/XXXX  XXXX  XXXX. 

With several attempts made to reinstate and reconcile the account, the over-reliance of automated banking measures haven't made any allowances for these scenarios during COVID-19, and " the bank '' states numerously via various posturing mechanisms after reinforcing it's own protective narrative that they have made several attempts. They have 7 mechanisms for communication including text banking, in app notifications, phone calls, emails direct, emails indirect via secure messaging, in app chat notifications, and written correspondence. They alleged that they sent an email, and with an inbox flooded with marketing blasts, junk, and other bulk data, 42,500 emails were to be sorted while looking for equipment to return home from out of state during the pandemic ( Shortage of XXXX trailers and equipment, etc ). The bank has convieniently scripted a rebuttal for any potential grievance a customer may have for the ambiguous interpretation of the Patriot Act - now rebranded as the " Know your customer '' ( KYC Closures ) ''. While the banks are anticipating a repeat of 2008, they are positioning themselves to waive late fees and leverage people into higher interest categories by either reducing limits, driving up CDU  % - or closing accounts entirely that do not meet certain desirable criteria. Investors have made a stand against the members of the institution, and a mechanism for account restoration needs to be implemented along with a final warning that will set off all available means of communication with the customer - with an account expiration date, and extenuating circumstance allowances made for people being impacted by the pandemic. 

I hope that USAA will start to see the impact that their over-reliance on automation is having on the customers as they close long term members.
Product: Credit reporting or other personal consumer reports

Equifax This is about Equifax 's messed up system. I created an account last year and saw that there were lots of incorrect information which belongs to someone else. I cleaned up using the dispute center. 
This time, I was going to activate the credit monitoring services and found that Equifax updated my profile without any notification. They changed my name to someone else 's and put my name as former name. They also changed the SSN column to that person 's SSN and listed my SSN as other document. I was able to see a SSN that does not belong to me. This is a serious SSN disclosure!! I am concerned due to this messed up system, my critical information like SSN is also shown on other 's account as well. The birth date and address is mine. In the credit card section, it combines both my account and some other accounts that I don't know. I think the system merge my information with someone else. But I don't know why this happens as we have different names and XXXX. And this is an issue only with Equifax. I don't found this issue with XXXX and XXXX as they are both accurate. 
I submitted dispute request for my name, SSN and other information. Ironically, the name requests got disapproved saying the name is verified as reported. I am very curious how it got verified or did it really verify the information. I called the customer services and the lady keeps ignoring my questions and just said they need a copy of my official documents mailed to them before they could answer my questions. I was very XXXX XXXX  by the reply and she just hanged off the call.
Product: Consumer Loan

This issue is with Toyota financial services ( TFS ), their poor customer service, and their excessively harsh response to a single late payment.     I have had  two  loans with them that span a length of 7 years. In that period of time, I have paid off one loan and make timely payments on the second one. I never had a late payment. My payments have always been setup for automated monthly payments.     At the end of last year there was a change with my banking information which I updated online. I assumed it was setup properly as I never received a notice otherwise. Somehow the autopay did not process properly and my account became past due. But I was not given any notice of late payment. I did not know that I had a past due balance until I received a negative hit on my credit report and saw a substantial drop in m y credit score.      I immediately called  TFS  to pay for my past due and current due amounts. After waiting on hold for at lea st 20-30 m inutes, I spoke with customer service and requested to have the negative credit market removed. The agent was very rude and unhelpful. I was told that it could not be done over the phone. However, I could write a letter directly to TFS explaining the situation and the negative marker would be removed. I mailed out a letter shortly thereafter stating my concerns. I later received a return letter denying my request.     I called TFS customer service, was forced to wait on hold for a long time, and was again told to write another letter to request the negative removal. I did this and was again denied via mail.     It is extremely upsetting that a long term customer who never had a late payment was denied a courtesy adjustment. It is frustrating that there was no notice given regarding an error in my autopay account or that my account was past due. It is shocking how poor the customer service is whether phone or mail.     I have always had good credit. Having a negative credit marker has had a substantial impact on my credit and has seriously affected my ability to qualify for credit. It will be a long time before the negative credit market will no longer affect my credit. TFS response to my one and only late payment is excessive and completely unnecessary.
Product: Debt collection

TSC Accounts Receivable Solutions attempts to collect on previously paid bills. They will even charge interest on top of the fake debt. They call repeatedly and send physical bills in what appears to double collect for the bill. They mumble the name of the company and refuse to give you any identification name. A supervisor is not available. They cut off any questions you have with an angry loud voice to intimidate you and push what they want.
Product: Debt collection

I owe XXXX  a debt. So now I owe first source collections. First source called me in XX/XX/2019 to set up a payment plan. I agreed to {$50.00} a month. They took {$50.00} for every month XXXX, XXXX and XXXX then they went ahead and took {$3800.00} on XX/XX/XXXX. It was all of the money I had. It left my account in the negative. I would never agreed to paying that big of amount. Not knowing what the future might bring. With XXXX children. I want my money returned. I have had to write them a email with bank statements and now I have to wait sick to my stomach hoping they return it. This isnt right..
Product: Credit card or prepaid card

After I filed a transaction dispute on XX/XX/2022, Capital One placed my credit card in a hold status denying me the use of a provisional credit as a form of punishment. 

I continued to request for this hold to be released, but was told by a Capital One Dispute Representative that this would not be done until the dispute is completed with the vendor. However, the vendor issued a refund and had participated in a call conference to further verify that the transaction was canceled. See attachments. 

I believe Capital One has retaliated against me just for filing a dispute. This is a bad business practice.
Product: Student loan

I am a public servant in New York, having been employed since XX/XX/XXXX. In XX/XX/XXXX, I reached my XXXX month of qualifying employment with the Public Service Loan Forgiveness ( PSLF ) program. However, because I am enrolled in the SAVE payment plan, I am now unable to receive loan discharge due to pending litigation, remaining stuck at XXXX qualifying payments. 

On XX/XX/XXXX, per the Department of Education 's guidance, I submitted a manual application to Mohela to transfer from SAVE to the XXXXBR ( income-based repayment ) plan. There is no online record of this submission. I again submitted an IBR application electronically via Federal Student Aid ( FSA ) on XX/XX/XXXX. The Department of Education has blocked the processing of these applications. However, this appears to be changing as recently Mohela has sent email correspondences to people, which state We received your application for IBR, detailing that these borrowers on SAVE will now be placed on a 60-day processing forbearance that will count for PSLF. 

To date, people are reporting that they have received these emails the week of XX/XX/XXXX XXXX, having submitted IBR applications to switch out of XXXX at the end of XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, among other dates as indicated at the links below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called Mohela at XXXX XXXX to inquire about the status of my IBR application and to request being placed on an IBR-related 60-day processing forbearance , which counts towards PSLF. During my hold Mohela 's prompt clearly states : " If you have submitted an income-driven repayment IDR application that has not yet been processed, we are in the process of placing a forbearance on your account at the direction of Federal Student Aid. We will send you additional information in the coming weeks. '' When I was transferred to an " advanced agent '' they stated that I was placed in the IBR-related 60-day processing forbearance, which would count towards PSLF on Wednesday, XX/XX/XXXX, backdated for XX/XX/XXXX, and that I should receive an email right away. When I did not receive the email Friday or Monday as suggested, I called Mohela on Tuesday, XX/XX/XXXX at XXXX XXXX. After a nearly XXXX hour wait, I was transferred from the first rep to an advanced agent to the Resolutions Department. During this call, I was told that the prior information given to me was not accurate. The representative also stated that no one on SAVE had received such emails, allowing them to transfer to qualifying IBR processing forbearances, and that they are still being blocked by ED from moving borrowers from the SAVE forbearance into other qualifying plans.

This information is contrary to Mohela 's own automated recording, in addition to the evidence above, which shows that they appear to be randomly or selectively moving some SAVE borrowers into 60-day PSLF qualifying processing forbearances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the tax liens that 's on my file on  XXXX  different occasions as being incorrect asking for verification and validation.  XXXX  told me to contact the court house whom responded with a letter stating they do n't report to the credit bureaus. I sent a certified copy to  XXXX  and  Transuinon  with a redispute, they responded with i need to contact the IRS. After contacting the IRS their response was the information is incorrect and they do n't report to the credit bureaus. Once again i sent a certified letter to the bureaus with the IRS response and ask that since they have not sent me any type of verification or validation to please delete the information from my file. Transunion have not responded ( even though its been over 30 days  ) a nd   XXXX    stated that they recieved the information from  XXXX   XXXX . At this point I feel as though i 'm getting the run around and nothing is being done. It 's very frustrating and stressful.
Product: Debt collection

I am giving Professional Debt Mediation an opportunity to remedy its complicity in assisting  XXXX   XXXX   XXXX  to violate both Federal Law and Florida Statues in an effort to sabotage my credit file on behalf of the local authorities in retaliation for my efforts to address the Federally institutionalized denial of Due Process for groups protected under Federal Fair Housing Laws. As specified in Florida  Statute 83.49 ( 3 ) ( a ) (   www.leg.state.fl.us ) :  " Upon the vacating of the premises for termination of the lease, if the landlord does not intend to impose a claim on the security deposit, the landlord shall have 15 days to return the security deposit together with interest if otherwise required, or the landlord shall have 30 days to give the tenant written notice by certified mail to the tenants last known mailing address of his or her intention to impose a claim on the deposit and the reason for imposing the claim ... .If the landlord fails to give the required notice within th e 30-day period, he or she forfeits the right to impose a claim upon the security deposit and may not seek a setoff against the deposit but may file an actio n for damages after return of the deposit. '' As indicated in the attached official Confirmation of my address change from the United Postal Service, my mail was forwarded from the address specified in the fraudulent itemized bill from  XXXX   XXXX   XXXX  as of  X/XX/2016   . Moreover, I was signed up for automated notification of any mail sent to me that might include tracking information, as is the case with Certified Mail, until after I moved to my new apartment in  XXXX  o f 2016. H ence, if the creditor had indeed fulfilled its obligations under Fl orida Statutes to sen d notification to my last known address of its intent to impose a claim on my deposit via Certified Mail, I would have either received the notice at the residence specified in my change of address Confirmation ( my grandmothers ) or I would have have been notified about it by the  USPS via  text and email.
Product: Credit reporting or other personal consumer reports

There are numerous instances of disobedience with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I dispute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Provide truthful information about accounts or other connections with a customer. 
Provide accurate information about accounts or other interactions you have with customers. 
C - Look at consumer complaints in a reasonable manner According to CRRG, you have to adhere to the Metro 2 compliance guidelines in order to file a legitimate report. 

Furthermore, " Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the CRRG. This implies that discrepancies in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation. 

I'm using my right to object to these erroneous and non-compliant items as a consequence. You will only demonstrate your lack of concern for my rights as a customer if you ignore my demand. Reporting information that hasn't been verified as ethical and compliant with certified reporting standards isn't fair. Once more, I contest these assertions and demand documentation of the appropriate reporting guidelines. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 
XXXX XXXX XXXX XXXX Collection {$650.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Collection {$650.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Collection {$640.00}
Product: Credit card or prepaid card

I have attempted so many times in the past via many organizations including XXXX, Florida attorney general and various other ones and have got nowhere but more annoyed. I have asked multiple times for a supervisor to call me, Ive tried with customer service and still nothing he same issue. 

AVANT indicated by snail mail they would refund me my annual fee due to horrible service : they only have refunded me my late fees and interest Ive called them over and over again, sent multiple emails to only get more annoyed
Product: Debt collection

I have no provided proof under the doctrine of estoppel by silence by Engelhardt v Gravens ( mo ) XXXX XXXX XXXX XXXX Presume no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

This company, Fair Collections Outsourcing calls me indicating I have unpaid debt and continues to try and have me provide my ssn. I don't miss monthly payments for my obligations and any debt they're stating doesn't add up. When XXXX inquiry why they need my ssn if they contacted me they say that they can't locate the account. I feel like I am being scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX fraudulently placed unauthorized inquiries on my consumer report 15usc1681a-4 privacy obligation not met. 15usc1681b no permission or wet ink signature to do this They typed out a letter in office to remove the inquiries. I contacted the 3 main bureaus. XXXX is the only one who removed the inquiries right then. XXXX removed majority of them. Transunion I paid to send mail certified and they received the documents and sent me a XXXX  stall letter stating it was from a third party when I was the one who sent the items. They asked me to resubmit it, meaning I have to pay again to redo this. Ive spent numerous hours on the phone to get this done, so I will be suing for each violation on my consumer report or they need to compensate me for this embarrasing situation. 
Transunion inquiries XXXX XXXX XXXX XXXX  ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX & # XXXX ; XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX Also XXXX XXXX has a fraud late payment on my report, another violation breaking privacy laws, no permissible purpose law, if found they will also be sued for the violation 15usc1666b timing of payment history not allowed unless notified in advance if not notified of the late payment they can not place this on the report 15usc1681a ( i ) a ( 2 ) transaction history is excluded from the report XXXX inquiries Elan XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX - XX/XX/XXXX TRANSUNION XXXX - XX/XX/XXXX TRANSUNION XXXX XXXX - XX/XX/XXXX TRANSUNION XXXX CO XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX - XX/XX/XXXX TRANSUNION XXXX XXXX - XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX - XX/XX/XXXX TRANSUNION XXXX  XXXX XX/XX/XXXX TRANSUNION XXXX - XX/XX/XXXX TRANSUNION XXXX XXXX - XX/XX/XXXX TRANSUNION
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a charged-off XXXX XXXX XXXX credit card on my Experian, XXXX and XXXX reports that is not being removed from my credit reports. The account shows a {$290.00} balance and that it has been charged off. 

My date of birth is XXXX. 
The account was opened on XXXX/XXXX/XXXX. 
I was XXXX years old when this credit card account was opened. 

Since I was n't of legal age to consent to contract I should not be liable for this account and should not have it reported on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I noticed significant drops in my XXXX XXXX ( XXXX TransUnion, XXXX XXXX ) since XX/XX/XXXX. I discovered that my XXXX credit card account had been transferred from XXXX XXXX  to XXXX XXXX without my explicit consent. The account transfer resulted in autopay settings being reset, and XXXX subscription charges ( XXXX and XXXX ) went unpaid. I contacted XXXX XXXX on XX/XX/XXXX, to resolve the issue, but they insisted I should have been notified of the transfer and changes. 

I sent a letter to XXXX XXXX XXXX credit dispute department on XX/XX/XXXX ( attached ), asking them to expunge the delinquent marks and notify credit bureaus of the correction. XXXX XXXX responded, stating they found their report to the credit bureau accurate and no further action was needed. 

I reject this conclusion as I never consented to the transfer, charges on the new card, or voiding of my autopay settings. 

The impact of a damaged credit score can be financially debilitating. I urge XXXX XXXX to review all reported payment delinquencies during the transfer of accounts from XXXX XXXX  XXXX XXXX XXXX. Financial institutions should obtain explicit consent for account transfers and be required to carry over previous account-level agreements like autopay settings. Credit scores have significant socio-economic consequences, and the process should not be treated lightly.