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

I had a savings, checking, auto insurance and investment accounts with USAA since XXXX. I cancelled my auto insurance policy and moved it to XXXX for a better rate. Despite the cancellation of my policy, USAA continued to attempt to debit my checking account for the USAA insurance. I sent documentation on 4 ( four ) occasions to prove that the policy had been cancelled-USAA refuses to correct their error and has now frozen my access to my banking accounts and my investment accounts. They also refuse to timely process any investment transactions I request. My last transaction was not only late in processing, but they also sold the wrong stock ( requested the sale of XXXX XXXX but XXXX XXXX XXXX was sold ) and they witheld extra fees. I have had a XXXX on file since the inception of my investment account, no change has been authorized by me since XX/XX/XXXX. In XX/XX/XXXX, more than {$320.00} in backup withholdings were held from a sale of stock ; my social security number has not changed and has not been questioned in prior sales. Currently, USAA is holding my accounts XXXX by blocking online access to my accounts. This is causing me much distress because I have no other means of accessing my accounts.
Product: Mortgage

XX/XX/2023 contacted Truist Bank who aquired SunTrust who aquired XXXX XXXXXXXX XXXX and XXXX XXXX. The mortgage is located at XXXX XXXX XXXX XXXX XXXX XXXX Register of Deeds. The loan closing is delayed due to the satisfaction not being filed timely. The unabilty of Truist to complete in a timely manner due to lack of loan number on their part for companies previous aquisition it an issue.
Product: Checking or savings account

I had a checking account with Suntrust Bank that was closed and charged off. Much of those charges were bank charges that got out of control. 

An unrelated checking account held by me with the same bank just did a " Force Pay Debit Memo '' reference XXXX took {$2900.00} from my checking account without permission and notice. This money was to pay my car payment, utilities, and Food. I am now in a destitute situation because of this unauthorized transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I signed up for Fraud Alert with Transunion. I also received a free credit report from them. In the Transunion Interactive Service Agreement, it states : YOU HAVE THE RIGHT TO REJECT THIS ARBITRATION AGREEMENT, BUT YOU MUST EXERCISE THIS RIGHT PROMPTLY. You must notify us in writing within sixty ( 60 ) days after the date you click-on to " Accept '' the Agreement. You must send your request to : TransUnion XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX   XXXX. This request must include your 16-digit account number and a clear statement of your intent, such as " I reject the arbitration clause in the TransUnion Interactive Service Agreement. '' As requested in the agreement to reject the arbitration clause, my 16-digit account number either does not exist, or is nowhere to be found. I called XXXX and spoke with Supervisor XXXX whom was not aware of an account number. Instead, he gave me a FIN number ( that was not 16-digits ). I could not understand his dialect, so, I am not sure it was even a FIN number ; it may have been a PIN number. Furthermore, he advised me to call XXXX for my account number. The representative at that telephone number knew nothing of a 16-digit account number, however, he gave me my User ID which was not 16-digits long. I searched all of the Transunion websites I could find, past Transunion e-mails, as well XXXX searches for where to locate said information, and still could not find my 16-digit account number. 

I 've included in my letter sent via certified mail on XX/XX/XXXX to Transunion all relevant information I could think of including my name, address, User ID ( according to the representative I spoke with on the phone ), and the last 4-digits of my social security number, in hopes of legally rejecting the binding arbitration agreement. It is unacceptable for Transunion to require this account number to reject the Arbitration clause if this number does not exist or if I have no reasonable means of locating the number.
Product: Checking or savings account

On XX/XX/2018, my account NCSECU North Carolina State Employee Credit Union withdrew {$410.00} from my checking account ending XXXX for payments missed in XX/XX/XXXX. This caused several items to be overdrawn and several returned check fees acquired on my behalf. I was never notified of this transaction prior to it being processed an was told by XXXX XXXX XXXX XXXX XXXX officer that the transaction was made due to the funds being available. Upon investigation the amount being auto drafted was changed 3 times by State Employee Credit Union in XX/XX/XXXX, XX/XX/XXXX, and again XX/XX/XXXX. These actions were erroneous and cost me the lender. I visited several branches and made several phone calls hoping to negotiate a payment plan, have my funds returned to my account, and have the return check fee paid on the banks behalf because these insufficent funds were not due to my actions. I was denied and the loan officers were unwilling to negotiate because the fee was already collected. I am contacting your office in final attempt to correct this error. Please contact me should you require any further information regarding this manner. 

Thank you, XXXX XXXX XXXX
Product: Vehicle loan or lease

I traded in my XXXX to a Kia XXXX the loan was XXXX and I traded for a newer vehicle. I made my payment on its due date. 
They were paying off full vehicle and I drove off in a newer vehicle. Signed all releases of liability and documents. 
They did not process payoff for over 30 days and are reporting delinquent on my credit. 
I took the new car the same day and financed new car with Kia Finance America as well. they won't respond or provide information and i've sent contract copies, written letters, called. 
This is an error and they won't fix it. 
XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filling 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, there dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : 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: Checking or savings account

On XX/XX/2018I bring a TAX REFUND CHECK and give a CAPITAL ONE BANK tailor at following address XXXX XXXX XXXX, XXXX XXXX, NY, XXXX. 
Because in heavy snow a check was wet. A tailor XXXX XXXX put a check in a check in a check riding machine and check was shrined for a small pieces. 
I am not shore now which way Capital One bank process this check and who first this happen. 
Check was amount XXXX dollars and issue from New Jersey Department of Treasure.
Product: Checking or savings account

On XX/XX/2018 I went to my Citizen bank branch in XXXX Michigan, tried to get back my money I sent to XXXX XXXX of {$300.00} because she was no longer had XXXX XXXX. I made a claim and also they recommended to call XXXX XXXX. I called the phone number of XXXX XXXX found on web but the person I spoke too instead of helping to get my money back they took following transaction of {$500.00}, {$750.00}, {$500.00}, {$500.00}, {$2000.00}, {$500.00} and {$500.00} at the same time to the person named XXXX through my debit card which was on XXXX XXXX. Immediately I called my bank same day to let them know that was fraud do not release those transactions and person I spoke too assured that marked red flag but I still need to call next business day to make sure matter resolved. But still bank released those transactions on XX/XX/2018 and bank asked me to make another claim. After two weeks I got those transactions back to my account. on XXXXI received letter from bank stated that they going to debited back those transactions because XXXX XXXX said that was valid transactions which was never valid transactions. After few days bank debited all transaction with fees. I will send all documents. Thanks.
Product: Debt collection

XXXX XXXX XXXX XXXX sent a disputed medical debt of {$3300.00} to their collections agency NRS, without ever having sent me a bill. The entire amount is being disputed as it is still pending an appeal with insurance and XXXX is breaking the law by claiming and billing me as if they are an Out Of Network provider when in fact I and my insurance company have proven and informed them of their In-Network Status using an EOB dated XX/XX/20 wherein they were denied due to untimely filing. It seems XXXX is only claiming Out Of Network status to bill me for the entire amount because they failed to bill my insurance correctly and on time their and the account has become their loss. XXXX has claimed they took the disputed bill out of collections with NRS but NRS says it is still with them as of XX/XX/20. I have provided NRS with a copy of XXXX statement to the XXXX regarding this same complaint. And I have provided the EOB proof of In-Network status denied for untimely filing to both companies as well. Hopefully the evidence I have provided will convince NRS to close the account and XXXX to cease fraudulent Out Of Network billing practices.
Product: Student loan

n XX/XX/XXXX, Nelnet Servicing , LLC experienced a significant data breach that exposed the personal information of over 2.5 million student loan borrowers. Unauthorized access to Nelnet 's systems occurred from early XXXX until XX/XX/XXXX, compromising data such as names, addresses, phone numbers, and Social Security numbers.

It was in the response from XXXX XXXX. : XXXX that sparked many interesting confessions on their end. 

The debt in question, assigned to the Department 's Default Resolution Group in XXXX, originated in XXXX. This timeline places it within a period that should render it uncollectible under Illinois state law for private debts and raises significant concerns about its continuing collection status under federal law.

Federal law may lack a statute of limitations, but this does not exempt servicers or the Department from adhering to ethical standards or addressing the fraudulent practices of institutions like XXXX XXXX during that time. 
As a student during the documented years of fraudulent practices by XXXX, I should have been considered for relief under the related class-action settlement and the Borrower Defense to Repayment program. Yet, no such relief has been offered.

On a side note, very relevant in it own way to this, but equally troublesome I was also affected by the XXXX XXXX data breach but received no relief or settlement compensation. This incident, coupled with the mishandling of my student loan account, exemplifies a broader pattern of neglect toward consumer protections and accountability..
Product: Mortgage

We repaid our Mortgage through a refinancing on XX/XX/XXXX of this year. When we contacted our lender we were advised that they anticipate 30-60 days for refund of our escrow account. My understanding is that under Regulation X mortgage lenders have up to 20 business days for such refunds. The lenders response in light of this seems unreasonable to say the least.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently tried to obtain a vehicle loan and was denied. There is an account reporting as mine and it is incorrect. This account is a Victorias secret opened my my husband and he listed me as authorized signer without my authorization.
Product: Credit reporting or other personal consumer reports

I checked my credit report and saw some discrepancies which are the unauthorized inquiries from my credit report. Please look at the attached documents I've sent because of this.
Product: Credit card or prepaid card

Fortiva has opened a credit card under a fake name and has been paying off the debt from my bank account/
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX account number XXXX, XXXX XXXX account number XXXX and DPT EDXXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the rights to privacy 15 U.S.C 1681 section 604 A section 2. States a consumer reporting agency Can not furnish a account without my written instruction
Product: Checking or savings account

On XX/XX/XXXX I have noticed all my funds has been withdrawn and Citibank customer representative confirmed that my checking and savings accounts has been closed due to reason they can not share. The representative confirmed my billing address and told me that I will know the reason of account closure in mail. Until today XX/XX/XXXX I have not received this mail. 

I went to a local branch ( the exact location where I opened my account ) XXXX XXXX XXXX XXXX Citi branch on XX/XX/XXXX and the banker told me that they have mailed ( XXXX ) my remaining funds in checking/savings account in two separate shipments. Even today I still have not received this check. I then chatted with online chat person to check on my shipment and told me that the shipment has been returned. No exact reason was mentioned and yet again confirmed that my billing address is correct. 

I then went to the branch again today XX/XX/XXXX to talk about my funds. The personal banker told me that they will have to resend it and the resending process will need to be done manual my the banker in present. The banker was extremely eager to talk to new customers and wanted to get rid of me due to the fact that I am no longer their client and don't bank with Citi. Yet again, I have not received confirmation from the bank officer that the resending process has been initiated and don't know the status on my funds. I want to emphasize this point that there is a clear discrimination/priority against closed client vs. new clients. In certain extent I understand this but, the account was closed by the bank and not by me. This is no way a person should be treated after being a loyal customer. 

This total ups to 3 separate attempts for me to re-collect my funds and Citi has been avoiding/not giving clear status/deferring action against the return on my fund. This seems like a clear violation of Reg and who  knows if they are using my funds to for prop trading/bank loans etc. CFPB please investigate this
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already disputed XXXX XXXX XXXX on XXXX XXXX and it was successfully removed. It still shows on Experian. After a voluntary repossession, XXXX XXXX XXXX allowed someone else to keep the car and pay it off in my name. XXXX XXXX XXXX left this on my credit in good standing during that period of XXXX and XXXX. Once the debt was paid by whomever took over the car, XXXX XXXX XXXX negatively impacted my score. XXXX XXXX XXXX committed fraud using my credit to finance someone else for 2 years. I do not feel responsible for this debt and would like it permanently deleted with no negative impact. I feel like they stole my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

After the Equifax hack, I visited : https : //www.equifaxsecurity2017.com. The page reads : " See if your personal information is potentially impacted. 

To determine if your personal information may have been impacted by this incident, please follow the below steps : Click on the below link, Check Potential Impact, and provide your last name and the last six digits of your Social Security number.
Based on that information, you will receive a message indicating whether your personal information may have been impacted by this incident.
Regardless of whether your information may have been impacted, we will provide you the option to enroll in TrustedID Premier. You will receive an enrollment date. You should return to this site and follow the How do I enroll? instructions below on or after that date to continue the enrollment and activation process. The enrollment period ends on Tuesday, XX/XX/XXXX. 
CHECK POTENTIAL IMPACT Thank you for allowing us this opportunity to assist you. We appreciate your patience during this time. '' The page asks for last name and last 6 of SSN. Then it says : " Your enrollment date for TrustedID Premier is : XX/XX/XXXX Please be sure to mark your calendar as you will not receive additional reminders. On or after your enrollment date, please return to faq.trustedidpremier.com and click the link to continue through the enrollment process. '' The website says it would tell you how you were affected and give you an option to opt-in to TrustedID Premier. It does neither. 
False advertising and enrollment without consent.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

I recently investigated my credit report and found several items there to be inaccurate under 15 US Code 1681e ( b ) Accuracy of Report- Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 US Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate based on the results of the reinvestigation and ( ii ) promptly notify the furniture of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX This account was charged off on XX/XX/year>. Since then the account has repeatedly updated as charged off every month. This is an update in the payment history. A charge off account should not include inactive payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this properly after I asked to have this removed TWICE. This neglect has violated my rights. I am demanding DELETION of this account : XXXX XXXX account number XXXX Their are different account balance amounts, different account open dates, repeatedly reporting charges and inaccurate dates of last payment.
Product: Debt collection

Portfolio Recovery is stating I owe a debt of {$260.00}. I repeatedly disputed this claim several times via mail over the past 2 years because this is not my debt and fraudulent activity with this account. I have never signed a contract or even received any paperwork from Portfolio Recovery stating that I owe the debt or details of the debt .
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 4 XXXX XXXX XXXX error 30 day late payments reporting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX which need to be updated to on time. Due to XXXX XXXX Error payments were made on time.
Product: Student loan

I have submitted an application for XXXX through XXXX. I have loans serviced by MOHELA ( XXXX loans ) and Aidvantage ( XXXX loan ). 

MOHELA sent me a letter dated XX/XX/2023 saying I am now in an income-driven repayment ( XXXX ) plan for XXXX of my loans. They say the monthly payment is {$78.00}. That monthly payment relates to a loan I have with XXXX, not with MOHELA. Neither of my monthly MOHELA payments is {$78.00}, nor do they add up to {$78.00}. 

XXXX ) Why is XXXX sending me letters regarding loans they do not service? How did they get that information? 
XXXX ) Are either or both of my MOHELA loans in an income-driven repayment ( XXXX  ) plan? 
XXXX ) Why is MOHELA not communicating with me about the loans I have with them? 

The end of the student loan repayment freeze has been a financial and emotional hardship. MOHELA, XXXX, XXXX, and CFPB have refused/ been unable to communicate clearly or effectively. They are mixing up accounts. Cancel my debt please.