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

Regions=I have been banking with this organization for over 20 years and have never had any major problems which is why I have stayed with them so long. Recently, I started getting an $ XXXX  monthly fee without any explanation. I have now talked to XXXX different people in person about why this is happening and have received various responses back : XXXX. I was told this was happening because I am no longer receiving direct deposit regularly like I have been ( which is correct, to be fair ). I was told at that time that if I use my debit card 10 times per month, it would fix the problem and, paying bills with the debit card DOES count. This was false and the charge kept on. XXXX. The next person explained to me that paying bills with the debit card does NOT count and the card has to be physically swiped XXXX times. I explained to this person that I have started a new job and will be getting direct deposit again and they stated that the problem would be fixed then. This was also false and the charge continued. XXXX. The XXXX person simply stated that they had to change my account again and then the direct deposits would fix the monthly fee. Again, false. The fee continued. XXXX. Highly frustrated at this point, the 4th person explained something that I had not been told before in regards to having to have a certain dollar amount in my account and/or a certain dollar amount deposit for the month in order to not get the fee. I calmly explained to this person that it would be my final time coming into a bank to speak to someone to assist me on this matter and that I would be taking action if the fee continued ; here I am..... 
In the paperwork I received, I see that a change was done effective XX/XX/year> in regards to this matter. The issue is that I never received any notification of this taking place and I have never signed anything agreeing to let the bank take any kind of fee from my account without my permission first. This is wrong and banks should not have the power to randomly start charging their customers any fees without warning, especially on accounts that have existed a long time and NEVER agreed to these changes. " Breach of Contract '' =an act of breaking the terms set out in a contract.
Product: Credit card or prepaid card

I received a California Middle-Class Tax Refund Visa Debit Card from XXXX XXXX XXXX XXXX a service of XXXX XXXX XXXXXXXX XXXX for {$1000.00} and managed by Money Network . 
I activated the card 10 days ago and created an online account with the Money Network. 
They requested the last 6 numbers of my social security to create the account. That was already weird. I waited 4 days for a balance transfer to my XXXXXXXX XXXX account. 
When I logged back to Money Network the balance was ZERO dollars because the card had been used five times at XXXX store in XXXX, CA on XX/XX/XXXX in the afternoon. 
I called the number on the back of the card and the representative told me they could not do anything about it and were taking notes of my issue and they did not know when this will be resolved. 
I also called the California FranchiseTax Board which has an arrangement with these fraudulent companies and every time you selected money network you will be directed to Money Network to tell you the same thing : " they can not do anything about it '' I need to get that relief money back into my account to use it as it was meant to be : a relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Dealer SVC # XXXX is reporting lates that should not be on my account. The lates are XX/XX/18, XX/XX/18, XX/XX/18 and XX/XX/18. I have my account on auto payment and there is no reason for these lates to exist.
Product: Checking or savings account

In XX/XX/2023, I got notified that a transaction of {$1200.00} was made to buy airline tickets. This transaction was not approved by me so I filed a dispute against the transaction. Huntington National Bank investigated my account, credited back my money, and gave me a new debit card. 
In XX/XX/2023, I was going to pay a tab when the waiter told my my card had been declined. I got a phone call from Huntington asking me if I approved of a {$1000.00} XXXX XXXX purchase, which I immediately declined. The proceeded to lock my card and send me a new one. 

I had this new card for less than two weeks. On XX/XX/2023, I was going to buy food when again, my card was declined. I checked my bank account and realized I had an overdraft. XXXX unauthorized purchases had been made. XXXX to XXXX XXXX for {$1200.00} and the second to XXXX XXXX for {$540.00}. I immediately called my bank and disputed the charges. I also asked for a provisional credit since I had bills to pay. They said that since my bills were linked to my checking account, I can still make those charges since by the time they submitted the provisional credit, they would have it covered. I went XXXX weeks without receiving any type of credit or getting any updates about my disputes. I called every day to follow up but they dismissed me and said they couldn't do anything to help me. During this time, I followed their advice and got charged 3 times with overdraft fees. 

On XX/XX/2023 I got a letter in the mail saying they had completed their research on their end and determined that the transactions were authorized. I immediately called Huntington on XX/XX/2023 and asked them to send me the documents that they used to come to this determination. I also asked them to open up the case and continue the investigation. They said they would and would follow up with new information. On XX/XX/2023, 5 days later I called to get updates, which Huntington can not provide. I expressed that I still have bills to pay and need some sort of credit to ensure my account didn't go overdraft again. They said they couldn't along with not being able to provide the documents that I asked for on XX/XX/XXXX. 

I've called Huntington a total of XXXX times throughout this month. I have been dismissed and treated like I have been the careless one for having my information stolen. 
My complaint is that they have been rude, and I believe someone within the company is the one targeting customers and stealing their information to make these unauthorized purchases. This is not {$5.00} or {$50.00} or {$100.00}. This is almost {$2000.00} that were STOLEN from my checking account, and that has yet to be resolved or given further explanation on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fair Collections has violated in multiple ways. 
15 USC 1692d ( 2 ) The use of Obscene & Profane language 15 USC 1692c ( a ) Without the prior consent of a consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with any debt. 

15 USC 1692b ( 5 ) not use any language symbol on any envelope or in content of any communication effected by mail or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of debt.
Product: Student loan

The associates at the new servicer Utah Higher Education XXXX refused to allow me to put my loan into forbearance and further, have blocked from using their website. I never had any problems and have never been late on any payment with the prior servicer XXXX. The representative XXXX ID # XXXX refused to let me speak with a supervisor or manager and disconnected me. 
As I am not working, I just wanted to put my loan into forbearance as I have that right but this new servicer comply.
Product: Checking or savings account

During the whole time that I had Wells Fargo Ive experienced on going issues that has never been res & was forced to close my account with a balance that did not belong to me. Theres been a lot of unauthorized transactions & money being withdrawn from my account and nobody knew why.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding what you said, and I quote " Please note, in order to investigate information contained in your report, please provide us with the specific account name and number, and specify why you are disputing it. '' I already included this information 4 times now. But I will include it all again. As you are required to check with that company yourself requesting proof please actually do so. XXXX/XXXX, XXXX ( XX/XX/XXXX ) -XXXX  XXXX XXXX ( XX/XX/XXXX ) -XXXX  ( XX/XX/XXXX ) -XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX ( XX/XX/XXXX ) -XXXX ( XX/XX/XXXX ) -XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX ( XX/XX/XXXX ). I am disputing these because they are not mine, I dont have any accounts with any of them so I can not add any account numbers. I never authorized a hard credit pull for any of these companies as my authorization is required as none of these fell under permissible purpose. I can not contact each individual company as for the same reason I can not provide you with an account number. These inquiries are fraud, and I am getting sick of you not doing your job.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX Has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. states I have the right of 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Department of Education Account # XXXXXXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX  Bank Account # XXXX, XXXX XXXXXXXX XXXX  Card Account # XXXX and # XXXX, XXXX Bank Account # 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: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to rectify incorrect/ old information on my credit report and have been unsuccessful, even though they have failed to provide proof from these companies. They also old accounts older than 7 years on my report. 
Below is a list of items I have attempted to resolve with the last 2 years.

-Page ( s ) 2.1 and 4.15. XXXX XXXX unknown account number on report-shows charge off but was told by Equifax that they could not locate this account. Also letter from XXXX states they sold this alleged debt to XXXX XXXX ( letter attached ). 
-Page 2.3 XX/XX/XXXXXXXXpaid in full as stated on other credit Bureau reports//company , but shows transferred or sold and charged off on Equifax report. 
-Page 2.4 -XX/XX/XXXX- Included in Bankruptcy and not a Charge off. 
-Page 4.1-XX/XX/XXXX-Id Theft from California that I was unaware of and unable to resolve which has been discharged by bankruptcy. 
XXXX XXXX XXXX-Never had any account with this company/person. Company was Unable to provide me any information, nor Equifax. 
-page ( s ) 4,3 thru 4.5, 4.8, 4.9, 4.10, 4.11, 4.12 -Duplicate Department of XXXX accounts on report. I have 2 loans not 5. review as these are same amounts. 
-Page 4.6XXXX XXXX XXXXEx husband XXXX XXXX debt that was included in divorce XX/XX/2018. 
page 5- I XXXX XXXX XXXX XXXX older than 7 years. Remove by law. 
Current name is XXXX XXXX XXXX
Product: Consumer Loan

I have used PayPal Credit on line for a few purchases, totaling approximately {$280.00}, i have sent checks to the address i was given by their Customer Service located in Georgia. My first payment was received and credited to my balance in XXXX, 2015, since that time i have sent XXXX 3 XXXX more payments, totaling another {$180.00}, but they tell me that they never received any of these payments, and i am now accruing finance charges. I find it hard to believe that no mail is being delivered in the state of Georgia. I have checked with my financial institution and they report that the checks have not been cashed. I believe PayPal is holding so that i accrue finance charges. I saw a lawsuit which was filed against PayPal, and am looking into joining this suit. Any info you could provide would be gratefully appreciated. Thank you. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During rst week of XX/XX/2022, I was planning to take advantage of the current automotive market condition and sell or trade in my vehicle to purchase a new XXXX vehicle. I called my banks and credit unions to see what the current rates are and to get information of obtaining a pre-approval. I was told that my rates would me higher due to my credit le. I pulled my credit les from XXXX, Experian, and XXXX and found that someone has been using my identity to obtain credit from several creditors. These creditors include the US Department of Education ( {$110000.00} for was looks like student loans ), XXXX XXXX XXXX ( {$20000.00} ), XXXX XXXX XXXX ( {$21000.00} ), XXXX XXXXXXXX XXXX XXXX ( {$30000.00} ), XXXX XXXX XXXX ( {$5200.00} ), and XXXX XXXX and XXXX XXXX ( {$490.00} ). Also within my credit les, I found furnished information ( names, addresses, phone numbers ) that do not belong to me.
Product: Credit reporting

XXXX XXXX and XXXX pulled my credit without authorization and has lowered my Credit Score and prevented me from receiving a much needed loan with XXXX XXXX to expand my business. This intentional error in reporting and unauthorized inquiry has caused me monetary harm and inflicted undue stress and embarrassment to my family. Further we due to the nature of the inquiry we believe that the reason for this action was punitive in an effort to lower our credit scores to make us pay more for a loan with a different contractor. 

I was approved for a loan by XXXX in XXXX. The loan had a window of six months to add the costs of the project into the loan before it closed. XXXX did not complete the project in time and when they finally finished the loan had been closed to any more charges. So at that point and without our permission, written or otherwise, XXXX and XXXX decided to create a new loan account without authorization. At that time BOTH XXXX and XXXX pulled a copy of my credit report. This was a full seven months after we agreed to be considered for the first loan by XXXX, NOT XXXX. We were not contacted other than to tell us that a new loan have been made and our old account had been closed. 

I received notification through Experian credit watch tool that XXXX had ran my credit. I contacted XXXX about it and they basically told me to contact the credit reporting agency and they would remove the inquiry as they had made an error. As for XXXX they just automatically did a hard inquiry as though I had authorized them to create a new loan, I had not. 

This is unfair, punitive, and mindless assault on my family 's credibility and financial well being. I want those inquiries removed and the damages incurred remedied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX over the phone and they deleted the inquiries that werent mine. 

XXXX XXXX and equifax are a night mare to deal with. 

I should have only these 2 inquiries. 

XXXX XXXX on XX/XX/2022 XXXX card XX/XX/2022 I dont even own a car so why would I try and get a XXXX XXXX XXXX XXXX. XXXX happened the same day as XXXX XXXX and I hadnt run a credit report in 12 years. There is also a XXXX XXXX and a XXXX I have a service called XXXX XXXX through XXXX XXXX that says they ran a scan in the dark web and my SS # and email password had been compromised.
Product: Credit reporting or other personal consumer reports

Today, I noticed errors on my credit report, and Im heartbroken because I dont know how this happened. Ive always been careful about monitoring my report, yet now there are accounts that shouldnt be there. I tried refreshing the page, hoping it was a glitch, but the errors remain. I need you to thoroughly check the documents I sent so I can finally find relief from this overwhelming stress.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my credit report that I would like removed. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I and my son purchased a 36 month lease from Ally Bank on a new XXXX XXXX on XX/XX/XXXX. We also purchased the Lease Protect insurance for damages and excess mileage. In the 1st year, the car was badly scratched and we decided to have it professionally repaired as it was an eyesore. The repair job was adequate and not noticeable. We returned the vehicle at the end of the lease in XX/XX/XXXX glad we had the damage insurance because there were some additional scratches we decided not to fix. 

Much to our surprise, Ally Bank sent us a bill for {$390.00} with no reason or details about what the charge was for. I figured they didn't realize that we had the damage insurance, so I sent them a copy of the receipt. They proceeded to send another bill. I called them and talked to an agent. She informed me that the bill was for improper repair. I told her we had the repair done at a professional shop, and she said it would only be waived if the repair was done at a XXXX approved dealership. Since I did not have it done at XXXX, I could not get the waiver. 

Instead I asked for proof that the repair was done improperly. I wanted some sort of independent auto inspector to make the decision. Ally gave me no proof and no means to verify their claim. What they did give me was another bill in the mail and threats to notify the credit agencies. I just received notice that my and my son 's credit scores are now significantly lower because of the negative report. 

They want me to just pay the {$390.00} even though they won't give me any proof that I really owe it. I'm not going to just roll over and pay. Ally Bank needs to be held accountable and show proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past two weeks I have contacted Equifax repeatedly to place a security freeze on my credit report. I have been repeatedly told that a system security update is being performed and that I must call back. I want to place a security freeze on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed two items on my TransUnion, XXXX and XXXX credit reports on XX/XX/21. It has been over 30 days with no resolution. 

I sent a 30 day demand to comply letter to TransUnion, XXXX  and XXXX, on XX/XX/21.
Product: Payday loan, title loan, personal loan, or advance loan

I made a purchase with RXXXX and decided to use Acima leasing, instead of XXXX 's payment option. I was taxed on the purchase in store and now I am being taxed on the payments as well. I have tried calling Acima and using chat but it's all XXXX generated responses.
Product: Debt collection

I have contacted Capital One is advised that they can not locate the account or my information associated to the account however they have refused to remove the negative item from my report. I have called Capital One as well as sent dispute letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Syncs/PayPal has inquiry on my credit report that I didnt authorize.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my credit report that i would like to remove off my credit report. 

Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

I have disputed this account with XXXX and received response the account was verified. XXXX  has also refused to reinvestigate my account unless I provide new supporting documentation. I do not have any documentation because the account is inaccurate. I have reached out to the third party source XXXX and the agent states they use a third party verification via XXXX. I have also spoke with the courts who do not have any account information and states they do not verify information via credit bureaus or anyone for that matter. I am going to have my attorney have them sign a document stating that the account is not mine and that they did not verify this information with any of the credit bureaus. I am requesting documents bearing my signature showing that I have legally binding contractual obligation to this account and the method of verification. Any automated or XXXX verification is unacceptable. Under the new law effective XXXX XXXX, 2017 any public record data must include name, address, SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report. CC : XXXX, Equifax & XXXX
Product: Money transfer, virtual currency, or money service

I got scam by XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX told me to send her {$650.00} via cash  apps  on XXXX. I was able to sent {$400.00} via cash  apps  the XXXX XXXX was adamant that I need to send her {$250.00} to complete the total of {$650.00} via XXXX. I paid the total amount of {$650.00} for XXXX  reading and XXXX  since she was going to remove the XXXX  on me. On XXXX XXXX XXXX called me again that I need to put {$2500.00} downpayment for the materials she needs and the church is helping to remove the XXXX  but I need to put {$2500.00} as downpayment and she will return my money within 10days I sent the money through XXXX. Since XXXX has no limit consumer protection program I was able to send {$2500.00} to XXXX XXXX. After I noticed that she just scammed me I filed a report with XXXX if they can return my money back and XXXX denied my dispute. Something needs to get done with the scammer and XXXX and cash apps need to have a better proctection to protect innocent customer like me.