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

I fell victim to a scam on XX/XX/2022, via phone call. While watching TV, I received a call from a male identifying himself as a USAA agent, claiming that there was a fraudulent transaction attempt with my debit card in a store in Florida. He asked where was my present location, to which I responded Georgia. He asked if there were any authorized users on the account and if they were present, I provided my wife 's name. He said he'd have to place me on a brief hold. He returned and said that he will have to cancel my card and issue a new one, but would need my XXXX pin to reset my card or account, I complied and was placed on a brief hold. He returned and said that a new card was being sent out and asked for me to verify the address and phone number on file and I was placed on a brief hold, again. When he returned, he said that he was going to send me a XXXX pin and to read it back to him. That was done each time he returned. He said that he was going to waive the {$8.00} expedited fee to send the new card. That is when I paused the TV and asked him to repeat what he said. That is when I realized that I was being scammed. I hung up and logged on to my account and saw that there were notices for PIN #, security questions, and address changes. I immediately reset everything and then called USAA XXXX Department to notify them about the scam. The scammers managed to deposit a {$25000.00} International Money Order into my savings account, request a Cashiers 's check for {$5600.00} of my remaining balance of {$6000.00}, and forward {$9900.00} to my checking account. I ask the bank to cancel the cashier 's check, but it was never canceled. USAA had not reached out to me since I notified them. I had no access to either account. On XX/XX/XXXX, XXXX, XXXX & XXXXXXXX XXXX I called to inquire about the status of my account. I received a call later on the XXXX from someone asking about the incident. On XX/XX/XXXX, I called USAA to inquire about the status, after not hearing from USAA again, where I was told that USAA has reserved the right to no longer conduct business with me and holds me accountable for any transactions related to the scam. I mentioned to them that I searched the internet about electronic fraud, and found the Electronic Fund Transfer Act, which stated, even if the scam/fraudulent transactions were due to my negligence The Electronic Fund Transfer Act provides consumers relief from fraudulent electronic transactions if I report the loss within two days of discovery. I reported it minutes after it happened. I was told that it did not apply to this incident. My checking account was garnished of {$3200.00} that had accumulated ( income ), to pay the negative balance in my savings account and then they closed the savings account. I last spoke with an Escalation Agent named XXXX, who was trying to resubmit my case to see if the decision could be overturned, had mentioned that the initial agent that took my call submitted the wrong code, which caused my saving account to have a negative balance. Not sure if it's a first or last name.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the " Fair Credit Reporting Act '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; has violated my rights and is reporting information solely as to transactions or experiences between the consumer and the person making the report. ( ie., utilization, payment history, late payments. ) 15 U.S. CODE 1681 section 602 A, states : I have the right to privacy.

15 U.S. CODE 1681 section 604 A section 2 also states : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S. CODE 1681a ( d ) ( 2 ) states : Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include reports containing information solely as to transactions or experiences between the consumer and the person making the report.

15 U.S. CODE 1666b states : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S. CODE 6802-Obligations with respect to disclosures of personal information states : Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A 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.

The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Bank is AGAIN, following it's XXXX status quo history of continuing it's negligent business practice of systemic institutional racism. They have AGAIn for the 2nd time this year erroneously inaccurately report my account number XXXX 60 days late.I have NEVER paid my mortgage account 30, or more days late!!! 

In addition, all this despite the attached documented legal forbearance agreement that I was extended, and agreed too from the date of XX/XX/XXXX2020 to XX/XX/XXXX 2020 3 months still in existence, and Chase Bank having sold the loan per the attached XX/XX/XXXX20 letter notification documentation to XXXX XXXX XXXX XXXX XXXX as of XX/XX/XXXX20, per Also, per the legal forbearance agreement it was/is CLEARLY stated that NO late payments, or late payment charges would be reported to the credit reporting agencies. Which is again, is evident of Chase 's status quo systemic institutional XXXX business practice wrongly attempting to damage, and suppress my credit worthiness, and employment viability with the erroneous inaccurate late payment reporting.
Product: Student loan

Regards to Navient and a statement they made in an article : These documents clearly show that Navient educates our borrowers about income-driven and other repayment options any suggestion otherwise is a distortion of the facts, XXXX XXXX, general counsel for Navient, told the XXXX  XXXX. After a nearly six-year legal process, the CFPB has failed to produce a single student loan borrower to support their baseless claims against Navient. 

They pushed me into Forbearance and also their Income Driven program is a sham. They tried to state that all calculations called for $ 600+ dollars a month. This was out of control.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER XXXX USC XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$5200.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX -- {$5500.00} UNAUTHORIZED INQUIRY : XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXXI attended XXXX XXXX XXXX in XXXX California. I took a leave for 6 months after I gave XXXX   to my child, which left me XXXX! In XX/XX/XXXXI was on perminate XXXX! I have been fighting XXXX, us department of education and XXXX XXXX since XX/XX/XXXXfor my loan to be discharged. I kept telling them I was perminatly XXXX, they would send forms for my dr to fill out, I would send them and would get more forms, for years! The same forms! I had some credit issues so I pay Lexington law to repair my credit. In XX/XX/XXXX- XX/XX/XXXXI got several 120 day late payments on my credit report which were in accurate and cost me! Then this year I got another 120 day late fee and at the same i applied for a fee credit cards! My credit score dropped 25 points, i was denied the cards and got a few hard inquires on my credit report! I got a letter in the mail XX/XX/XXXX stating it was for annual employment income report! They know i dont work but also it says my discharge date was XX/XX/XXXX. I have been harrassed for many years by these student loan company 's and I need everything updated and correct, and discharged! They are still making my gma pay for some of my loan too cause she was cosigner! XXXX XXXX
Product: Debt collection

I received a notice in the mail from my employer 's payroll department on XX/XX/year> dated XX/XX/year> stating that they had received a garnishment notice to garnish my wages beginning XX/XX/year> in the amount of {$550.00}. On XX/XX/XXXX, I received a packet from Portfolio Recovery Associates dated XX/XX/year> about the writ of garnishment, but no other information about the debt I supposedly owe. On XX/XX/year> I received the same packet again, but this one was dated XX/XX/year>. On XX/XX/XXXX, I sent a Verification of Debt letter to Portfolio Recovery Associates that was picked up and signed for on Friday, XX/XX/XXXX. I have not heard anything back from them yet. I want to know if it is legal for them to garnish my wages without prior notice or verification of debt. I don't get paid again until XX/XX/XXXX, so I don't know if my wages will be garnished again or not.
Product: Credit card or prepaid card

On XX/XX/2022 I noticed charges on my Verizon XXXX Card from XXXX. I contacted XXXX and managed to stop 4 of the charges however 6 others were still processed. I contacted the Verizon card Fraud department ( 15 mins after the charges were placed ) canceled the card and filed a report. The orders were placed to a company called XXXX ( i did attempt to contact them however never received a reply ) for at least 9 charges of {$190.00} for night vision camaras. All orders were Fraud and i explained to the investigators that as well as that it appears the orders were still being sent to me which made no sense. A claim was opened and i was told they would get back to me. I called multiple times after to check status of the claim and make sure it was understood that it was not me that placed these orders. On XX/XX/XXXX i received an envelope with a blank paper inside. The envelope had the tracking number that matches the orders placed in XXXX. I called again and informed them of this and was told that i did not need to send them Proof that they understood and were processing the claim and i would not be charged. Yesterday I found out that they closed the case and refused to reverse the charges because something was in fact delivered to me. I did manage to send them images proving the false packages but when i spoke over the phone to manages while they said they will reopen the claim it was stated the outcome will more than likely not change. The charges amounted to over {$1100.00} that i am unable to and should not have to pay.
Product: Credit card

XXXX  XXXX sends regular offers through the mail for a new credit card. These offers are facilitated by Bank of America. I have contacted both companies in in an effort to stop these offers through the mail, and both companies have told me there's nothing they can do. I have opted out of all credit card offers through the opt out pre screen. Yet these offers from XXXX  and BofA have never stopped.
Product: Credit reporting or other personal consumer reports

This evening, I was stunned to discover discrepancies in my credit report, with inaccurate accounts showing up without any reason I can see. I checked my credit report as usual, but this time there were issues that werent there before. I refreshed my browser, hoping it was just a glitch, but the incorrect accounts were still there. I urgently request a thorough review of my documents to put my mind at ease and prevent this from recurring.
Product: Money transfers

I requested PayPal to send me a check of {$500.00}. Estimated arrival was 2 weeks and it has been 2 months already with no check arriving, yet they still withdrew the funds from my account. I called and asked them to cancel the check and refund the money to my PayPal account so that I can transfer it. 

Their solution? I need to wait one week for the to trace the check and cancel it. After waiting a week they will then notify me of a timeframe in which they can reimburse me my money. 

This business practice is almost criminal. I never withdrew my money, I never cashed a check, yet the money is gone from my account. Why do they need to track the check? Why does it take a week to cancel it when it takes me a couple minutes with my bank? How come they ca n't give me a timeframe of when I will receive my money and why do i need to wait months to withdraw money that is mine? Absolutely ridiculous!!!
Product: Credit card

This is a complaint against Bloomingdale 's Credit Card and Bloomingdale 's Credit Card ( American Express ). The motive of this complaint is because I have both of the credit cards blocked for about 2 to XXXX weeks. I have a high frustration for the personnel that functions these credit cards. Every time I buy something in the store, I have to keep calling the Department of Fraud to keep verifying my identity. I can understand that it would happen a couple times by error, but it has happened 10 times. I am insanely mad with the waste of my time and credit because of the frustration of this situation. What else do they need? They keep calling and I have to keep verifying my identity every time. They send me messages with codes, I give them codes and this keeps going on. I ask them, how far will this go? I ca n't do anything or check anything because of the constant blockage. 10 days ago I had bought a large amount of items and when I went to pay the account was blocked once again, and once again I had to do the whole process over again. But this is the limit that I 'm going to take with my patience. This department of fraud says that I have to receive a letter and follow those steps to get my account to normal. They told me that I had an account for Macy 's and it was opened by fraud, which is true because I was a victim of identity theft but this problem was resolved with the Department of Fraud of Macy 's. And everything was resolved through that department and Consumer Financial Protection Bureau. I am tired of the lack of respect with so many verification that I have to do.
Product: Credit card or prepaid card

I have had issues with TD Bank credit card and bank account services since opening in XX/XX/XXXX. I have already closed my bank accounts. I have made several attempts to close my credit card. There are excessive hold times. On my 4th attempt, I got through to a representative and provided all details to close my credit card ending XXXX and expiration XX/XX/XXXX. The representative provided the required disclosure information verbally and advised she was closing the account. The call was placed on XX/XX/XXXX at XXXX. As of today, XX/XX/XXXX, the account is still open with an available balance of {$10000.00}. It was supposed to be closed immediately. I am requesting CFPB send notification to TD Bank requesting account closure.
Product: Debt collection

LVNV COLLECTIONS. 
{$300.00} credit limit This company is doubled the amount I don not understand why they doubled the amount. They continue to state on my credit report that I keep missing payments. I've done research on this company ... .and doesn't look like it's a credible company.
Product: Debt collection

Detailed personal information was sent to a third party via text suggesting further legal litigations due to the Alleged Allegations of the ( intent to defraud a financial institution )
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaints, and I'm including it again. 
XXXX XXXX XXXX Balance Owed : {$810.00}, XXXX XXXX XXXX Balance Owed : {$6000.00}, XXXX XXXXXXXX XXXX Balance Owed : {$450.00}, XXXX XXXX Balance XXXX : {$110.00}, XXXX XXXX Balance Owed : {$46.00}, XXXX XXXX XXXX Balance Owed : {$1200.00}, XXXX XXXX XXXX XXXX Balance Owed : {$36000.00}, XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX XXXXXXXX Balance Owed : {$3400.00}, XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

I have tried to contact XXXX on multiple occasions regarding an account they are reporting on my credit report. I have called and each time I call they say they don't have information on the account that Machol & Johannes does, and they transfer me to them and then I cant get ahold of anyone at this office, This debt was paid XXXX of XXXX I am submitting the settlement letter from machol & Johannes dated XX/XX/2021 and the confirmation of payment made.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am writing this complaint in response to complaint XXXX. You stated that my credit report was updated and that the late payment reporting XX/XX/XXXX was removed but it is still reporting on my most recent credit report which I will attach for your reference. I will be suing Experian and XXXX if this account is not updated or removed from my credit report. Please see the attached loan payment schedule from the company XXXX and remove the account from my credit report. This account has been paid satisfactorily. You are reporting this account as 90 days past delinquent when it was only 30 days past delinquent. Your incorrect reporting caused this account to be considered a charged off account per the status on my credit report. Charge offs/ collections are removed 7 years from the date of my first missed payment. My first missed payment according to the payment schedule ( which I will attach for your reference ) was XX/XX/XXXX. This account should have been removed in XXXX yet it is still reporting. All of the payment history in XXXX is incorrect. I am sure you understand that this is a FCRA violation. XXXX has since removed this outdated and inaccurate account and I am requesting that Experian and XXXX follow suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several discrepancies that Ive disputed with the credit bureau and they refuse to fix or remove them in a timely manner. The first is the XXXX XXXX account. This account was disputed years ago and it was allegedly removed but XXXX and Experian has not removed it from my report. The second is XXXX XXXX. I have not conducted any kind of business with this organization. I dont know if they purchased an old debt of mine of whatever the case may be but that would enter XXXX and that organization into an agreement not XXXX and I. I also have a bankruptcy on my report that has been there over seven years that the bureaus have verified through XXXX XXXX but there is currently a freeze on the information being verified through XXXX XXXX. They are a third party and not allowed to verify damaging information. I asked the bureaus to remove the bankruptcy due to inaccuracies in the case filing details and there are no laws that say that a public record has to stay on my report for a minimum amount of time. There are laws that refer to the maximum amount of time they can report the public record but it has been well over seven years. If the bankruptcy was verified through the court, I would like the name of the person spoken to, the court called and the phone number used to verify the information. There are student loans on my credit report that I would also like removed per FERPA, I dont have to reveal any information regarding my education if I dont want to do therefore I would like those removed as well. My report should have been updated long ago about XXXX XXXX XXXX. This account needs to be removed based on me filing a dispute and it not being resolved until over 60 days later. I have attached the canceled check showing that I paid that debt over two months ago and it was showing delinquent and hurting my score and there was nothing done about it.
Product: Credit reporting or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ) the Experian shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Please block this information from my credit report, pursuant to section 605B of Fair credit reporting Act and send the required notification to all furnishers of this information.
Product: Vehicle loan or lease

On XX/XX/2018 Exeter Finance Corp were paid in full by XXXX and the cap protection for a auto loan. EXETER Finance promise to report the loan as paid in full. Exeter Finance Corp is still reporting a balance of XXXX owed. Exeter Finance has recently sent an overpayment refund check in the amount of {$220.00} approximately. I have documented proof from Exeter Finance that the  debt has been paid in full. On XX/XX/2018 this account is showing open with a balance after being closed with XXXX balance on all three credit reports.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Debt collection

I am writing regarding a prior dispute with XXXX, where they failed to provide proof or evidence of the accuracy of the reported item in question. Despite their claim of completing an investigation, no documentation or validation was provided to substantiate the accuracy of this item. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are required to verify disputed information with clear evidence or remove the item. Since XXXXXXXX has not fulfilled this obligation, I request that your agency conduct a thorough investigation and ensure compliance with the FCRA. If the item can not be verified, it should be removed from my credit report immediately.
Product: Money transfer, virtual currency, or money service

All of my stimulus checks weren't sent to an old cash app account they are not letting me access my old account or funds which are a significant amount.