23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On Tuesday, XXXX XXXX, I applied for a checking and savings accounts online with BBVA Compass Bank. I was accepted and asked to deposit {$25.00} for each account ( {$50.00} total ). The next day, I authorized BBVA Compass bank to withdraw the funds from my account. They withdrew the funds and verified this via email. In addition, I checked my account the verified that the funds had been withdrawn. Once that was completed, I was given the information to set up online. I did that by creating a user name and password. I was told that the funds would not be available for 2- 3 days and I would receive a debit card in 7-14 business days. Again, this communication was via email. I logged into my account via the web on Wednesday and Thursday. On Thursday, XXXX XXXX, I received an email stating that my user access had been disabled. There was no indication on the email as to why it had been disabled. However, the email stated that, " If you believe this change was made in error, or if you have further questions, please contact ... '' I contacted the number in the email 3 times. The first call was answered but I had been on hold for nearly 10 minutes before a representative answered the line. By that time, I had to go ( I was on a break at work ). I called in the afternoon and waited 30 minutes on hold before hanging up. Finally, later that day, I was able to speak with a representative. Her name was XXXX and I explained to her from the beginning that I did not have the account number. This was because this information was not given in an email ( I understand completely ) and I had not received any written documentation at the time. She said that was fine and she would be able to verify me in other ways. Which she did. Once that was completed, she placed me on hold and said that more documentation was needed. She told me what information was needed and where to email it. During this interaction, I began to feel as if I was getting the run around. The representative told me they had not received payment from me. I explained to her that her company sent emails stating they had received funds. In addition, the funds were taken from my account. I began to feel uneasy and told her I wanted to cancel the accounts and receive a refund. I asked to speak with a supervisor. She placed me on hold and said that a supervisor would call me back in 48 hours. I questioned this because it was Thursday evening. I asked her if they made calls on the weekends and she said they did. On Friday, XXXX XXXX, I emailed the required documentation to BBVA and requested that the accounts be closed and I receive a refund immediately. I later received an email from XXXX XXXX stating that they had received my information and that my information had been forwarded it to 'corporate investigations ' for review but my concerns have not been addressed by this bank ( why the online access was disable and why they show they had received no funds ). In closing, I want to close these accounts and I want my money returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I reviewed my credit report and noticed several accounts i believe to be fraudulent. I believe these accounts come from one of two security breaches i was involved in the XXXX data security breach of XX/XX/XXXX and the XXXX XXXX network breach of XX/XX/XXXX. i would like these items removed from my report as soon as possible. I am a victim of identity theft and need these items removed immediately.
Product: Debt collection

Trans world Systems Inc call nonstop from numerous different numbers several times a day, both robot calls and human callers. They never leave a message, when spoken with they refuse to give any info just want me to pay them I do n't know if I even owe as they refuse to send any info to validate. They threaten legal action w the courts, wage garnishment and use bullying tactics to get me to give my personal SS & DOB but refuse to give me any proof I owe any money.
Product: Payday loan, title loan, personal loan, or advance loan

I have a short-term installment loan with Klarna. I had a payment due on XX/XX/XXXX for {$87.00}, which was missed. Today, XX/XX/XXXX, I received an email stating that this missed payment would be added to my installment due on XX/XX/XXXX. I accessed the Klarna app to make the past-due payment, however, there is no option to pay this past-due installment now. 

I chatted with a Klarna agent named XXXX who stated that Klarna 's system limitations do not allow for " partial payments ''. The total now due on XX/XX/XXXX is {$180.00}, with no ability to pay the past-due amount before then. 

Refusing to accept the payment adds considerable interest charges to the total balance of the loan. I believe that this is predatory behavior on Klarna 's part, and a system limitation should be no excuse for predatory lending practices such as this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received my credit file from XXXX/results from their investigation regarding XXXX XXXX XXXX XXXX account number XXXX and XXXX Confirmation number XXXX investigation is inaccurate.On XX/XX/XXXX, I opened XXXX XXXX credit and is now called XXXX XXXX XXXX XXXX for XXXX tire in XXXX XXXX Michigan for XXXX XXXX and in XX/XX/XXXX this account was closed and paid in full.It is now XXXX, well over the 10 years and this account should have dropped off from XXXX as well as XXXX and Experian , but it hasn't.On XX/XX/XXXX around XXXX, I called XXXX XXXX XXXX XXXX and spoke to customer service agent XXXX @ XXXX, and she stated that XXXX, XXXX and Experian should have removed this old account from your credit reports.I asked XXXX @ XXXX what is the the date it was closed because it does not show on my XXXX file and she stated that the closing date is not in their system but the last activity XXXXI know this account is more than XXXX XXXX old.Therefore, XXXX investigation is inaccurate.This closed account that's paid is hurting my credit score and overall credit and must be removed.
Product: Mortgage

So complicated. I had a mortgage with XXXX which I fought a 4 year foreclosure issue on. Got 2 lawyers to settle things. Things were settled. Amount was settled- which included escrowed Flood. Keep in mind I bought my house well before XXXX or even XXXX. In XX/XX/XXXX Shellpoint MOrtgage took over my loan- so after 4 years now my payment jumped to over {$3000.00}! This is after a legal suit that they just changed the payment AGAIN. I called latest lawyer to help- they initially said - " oh this is wrong ''. They said they would help figure it out- then backed down and said it wasn't in their best interest- after getting paid. I am upset - as you can imagine. I have tried to deal with Shellpoint- Still dealing with Shellpoint- just different answers constantly. Very hard to reach escrow dept. 
I was told there was a delinquence in my escrow account and in order to go back to make my payment back to XXXX XXXX XXXX I would have to pay $ XXXX this included 2 months ( which I think should be much more! ) I did anyway with a promise I would get refund- I have gotten {$130.00}?? I don't even know what that is for? Not escrows~ I have called literally everyday last week and emailed. This is a bunch of junk. They have over anywhere from XXXX XXXX_- {$8000.00} in my account. I need my money. I have volunteered always to pay my XXXX XXXX XXXX- They have plenty in Escrow. I need help. 

OK, I am currently STUCK in XXXX XXXX  XXXX . I have been since Covid. I am waiting on a Visa ( different from passport- which I have ). It is a long process. I can be reached via email- XXXX. I have an app called Text Now- XXXX. Other US numbers would be have to be answered by my friend taking care of my house. 

Shellpoint Mortgage XXXX XXXX XXXX, SC XXXX Account XXXX Ph- XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, FL XXXX Don't know what you might need. I have only been with Shellpoint since XXXX XXXX a mess ever since. It is my understanding that when a mortgage gets transferred without any knowledge of mortgage holder- the terms of previous loan! And if the new mortgage holder changes/ and or/ does not pay the ONLY bill ( Flood ) which was in XXXX correctly- it should give me permission to pay my own bills. I pay XXXX, XXXX, Property tax- why do they mess it up so badly- granted- it is a XXXX XXXX compound- not one can get it! I can. I want control! If I don't pay- got ahead add escrows- but that won't happen.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I emailed the company Innovative Auto Finance for their failure to report my auto loan to the credit bureaus. On XX/XX/year> they replied Good afternoon I forwarded your email to our credit department. 

Despite consistent on-time payments, my credit report does not show any activity related to this auto loan. This loan is completely absence from my credit report. I have previously filed XXXX complaints with the XXXX XXXX XXXX regarding these issues. In the first complaint Initially, Innovative Auto Finance experienced a system error that incorrectly reported my payments as well as other customers payments as late. This issue was eventually resolved, the fundamental problem of the loan 's absence from my credit report persists. I have been more than patient this is a XXXX loan and I'm in it more than XXXX  years. Also I'm worried when I finish paying this off that they won't give me my title.
Product: Credit card or prepaid card

I was charged interest in the latest billing cycle, even though I paid the full statement balance. This is my BBVA Compass credit card. I tried numerous times to contact the Customer Service. There is no Customer Service email address published on BBVA website. The advertised phone number XXXX does not connect to a live operator. They just say after several minutes of waiting that no operator is available, Good Bye! If I were able to discuss the issue with the customer service, I would not make this complaint. Please help. 
I understand that no employees come to work these days, but they can answer the phones and assist customers from home. Or accept and answer emails.
Product: Checking or savings account

I can not link my PNC bank account to other services digitally.
Product: Debt collection

This is a second complaint on another issue with the same account. In the first complaint I had expressed that I was being over charged interest which is true but nothing was done by either the attorneys office or the collections company there is a second complaint that I would like to present is on XX/XX/2010 a civil judgement was granted for a credit card in the amount of XXXX who was owned by XXXX  XXXX XXXX and this judgement was a default judgement because I did not go to court to defend myself I have went to the XXXX district court in XXXX XXXX Michigan and there I had ordered and paid for a copy of the file on the debt in question after going through each and every page of what was filed with the court back in XX/XX/2010 there is no loan documents showing that I owe this debt so the court turns a blind eye and stamps a judgement with out proper documentation I call resurgent and have asked for a print out of what they believe I owe and am yet to recieve any documentation on this debt, the attorney 's office who is now handling the account says that it takes complaints very serously so do they have any documentation on this account I am asking for proof that I owe this account and that proof is not a default judgement that I am asking for I would like proper documentation that I owe this account I have attached the proof that was submitted to the court in order to get this judgement, a bill of sale from XXXX  XXXX XXXX with no account number or amount on it, a statement of account which is a blank piece of paper with numbers created by someone I'm not sure who, an Affidavit saying I owe this account by someone I don't even know from an attorneys office XXXX XXXX XXXX XXXX XXXX which is now being handled by XXXX XXXX XXXX. Now my complaint is very serious I have a collection company and an attorneys office with a garnishment on my wages my tax return from the state of Michigan was garnished by Resurgent I am asking for proof that this money is owed and that's why I am bringing this in front of the Consumer Financial protections Beauru these company 's need to be exposed for not following the law and providing the courts proper documentation of the debt these collection companies prey on people who don't show up to the courtroom for various reasons and get a judgement from a court who turns blind eye to not having the proper documentation.
Product: Debt collection

This company ( Portfolio Recovery Associates, LLC ) which I hold no contract with nor have I received services from reported a collection account against my SSN in the amount of XXXX on XXXX/XXXX/XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However the business failed to provide adequate proof. Considering this business does not have a binding signed contract with me for goods or services that they have provided. Therefore I am not obligated to pay the alleged debt.
Product: Checking or savings account

Wells Fargo put money in my account XXXX approximately and then took it out for no reason now my account is XXXX. This was done in XXXX of this year XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries appearing on my credit report. I am a victim of a data breach, and these accounts and inquiries are the result of identity theft. 
Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I have the right to request the blocking and removal of any information that has been identified as fraudulent. The following accounts and inquiries were not authorized by me and should be removed from my credit file : Fraudulent Accounts : XXXX. XXXX - Account Number : XXXX - Open Date : XX/XX/XXXX - Balance : {$1700.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Open Date : XX/XX/XXXX - Balance : {$660.00} XXXX. XXXXXXXX XXXXXXXX - Account Number : XXXX - Open Date : XX/XX/XXXX - Balance : {$1000.00} Fraudulent Inquiries : XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Checking or savings account

On XX/XX/year> I set up via Discover online banking my Discover credit card payment for {$XXXX} to post XX/XX/year>. The automatic Bank Account to pull from was selected as my Discover XXXX account. I forgot to switch this to my other financials account. I was unaware of this error until XX/XX/year> at XXXX XXXX XXXX 

My Discover XXXX account as of XX/XX/year> was {$XXXX}. 

On XX/XX/year> at XXXX I received an email that titled " Alert : Your account may have insufficient funds '' and then proceeded to advise me of some steps I could take to ensure my ACH item gets paid ( The {$XXXX} payment ). But the email advised of steps that needed to be taken prior to XXXX XXXX  ET ( XXXX XXXX XXXX XXXX  XXXX hours after receiving the email ). The other steps advised had to be completed before XXXX the following business day- however those steps were not actions that I was capable of making. This email alone I believe is in violation of XXXX since the actions that were available to me to avoid injury was not available and injury was unavoidable. 

On XX/XX/year> at XXXX, I made a mobile deposit for {$XXXX} ( since I already had {$XXXX} in my account ) to cover the funds for my ACH payment. I have deposited checks in the past and funds were available immediately. After the deposit I received an email stating they received my mobile check deposit and that checks submitted before XXXX XXXX on a business day will be deposited on the same day. 
at XXXX AM I received another email stating I had an insufficient funds notice and that my {$XXXX} payment was returned. 

I secure messaged Discover asking for a reason and was not provided XXXX. 

I researched their XXXX XXXX XXXX XXXX Agreement Addendum and it stated that XXXX Treasury Checks, Special Check, and Other Checks for Existing Customers up to {$XXXX} would be available Business Day of Deposit. It then continued that the availability of funds from checks deposited may be delayed for a longer period of time as provided in Section 15 ( a ) ( ii ) of the Deposit Account Agreement.

Upon researching Section 15 ( a ) ( ii ) of the Deposit Account Agreement, I found that it states, " We will notify you if we delay your ability to withdraw funds for any of the reasons set forth in this Section 15 ( a ) ( ii ), and we will tell you when the funds will be available. I did not receive such notification that my funds were delayed, therefore my funds should have been available at XXXX when I made the deposit. Therefore, my XXXX payment should not have returned at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am one of the huge number of people who was affected by the data breach with Equifax. To say that I am disgusted is an understatement. They are offering protection for a year ... but what happens after that? I never agreed to them even having my information and yet they allowed this to happen without my consent. Something needs to be done to protect those of us who were part of the issue. There needs to be a solution beyond the hope and pray and forcing us to pay for protection to the company that leaked the information in the first place. Sounds a bit like a great way to boost business. Leak information an then charge people to protect them from the leak.
Product: Checking or savings account

Received a mailing offer, open a business checking account with US bank with promo code, and receive {$500.00} bonus. 

Went ahead and opened the account on XX/XX/22 and funded {$5000.00}, enrolled to online banking, and made 5 {$10.00} bill pay transactions. So all qualifying conditions are met but US bank never honored the {$500.00} bonus. Proceeded to call the US bank customer service ( XXXX ) 4 separate times, each time they promised to looking into the issue and follow up, each time no follow up occurred and still no {$500.00} bonus was given.
Product: Credit card

I applied for my carecredit card at a dental office, not knowing about promotional purchases and the deferred interest because nobody explained it to me, they checked my score and said i was approved, which i got XXXX different procedures done. Ive never been late, i pay the payments and then i get an email that i have promotional purchases that are about to expire, which they did and it affected my credit report and the interest tacked on is higher than the minimum payment, even when i pay more, it does nothing. I was misinformed about the care card
Product: Debt collection

I contacted XXXX to file a dispute about American First Finance, which damaged my credit. Not only that, but I do not owe anything to them. Therefore, credit profiling should be considered. I filed a dispute with XXXX for investigation on XX/XX/XXXX, and on XX/XX/XXXX, the amount stated that I owed {$1400.00} turned into {$5100.00}, which also turned into a student loan. I do not understand if this is not credit profiling. American First Finance is a predatory company that marked my account as a charge of {$1400.00} on my credit report. The account listed as open on XX/XX/XXXX ( XXXX years and XXXX month later ) was eventually sold to a debt collection agency, which started contacting me non-stop to get me to pay up. They continued to harass me through the phone, email, and text. And not one of those messages arranged for me to pay the settlement amount offered. I just filed a dispute with the credit bureau, asking the collection agency to validate everything surrounding the debt before they could continue their collection efforts. This is one of the worst forms of derogatory fraud. However, this can not be considered legal. It is a common fraudulent business practice in which Americans first engage in finance. I do not owe anything to them. They must be investigated, and a class-action lawsuit must be filed against them. 
State in my report in the Remarks : " Charged off as bad debt. '' The profit and loss write-off XXXX did not investigate this, and caused more harm and good. This is credit profiling and the rights are violated. Under Consumer Rights. 
I have no Student Loan with them copy of the resolution : COMPLETED ON XX/XX/XXXX ITEM IN DISPUTE : AMERICAN FIRST FINANCE I DISPUTE REASON : Accuracy This account is settled.

CONTACT INFORMATION AMERICAN FIRST FINANCE I XXXX W. XXXX XXXX NORTH, XXXX XXXX XXXX XXXX, KS XXXX RESULT : Disputed information was verified as accurate XXXX investigated your dispute, but the information was verified as accurate. Other information was also updated. 
See your current report
Product: Credit reporting

Hello, I am not certain this complaint is being posted in the correct area, but this is the closest area I could find related to my complaint. My complaint concerns the credit score reductions for no legitimate reason.Let me start by saying, I am not understanding why my credit score declines if someone simply inquires as to what it is. If my credit score is XXXX and someone runs my credit to see if I qualify for credit with them, it brings my score down XXXX points. Which now means my score is XXXX. This seems so unfair to me. A credit score should be diminished for failure to pay, slow payment, or bankruptcy. A credit score should not be decreased because someone inquires as to what it is. Example : : I decide to purchase a home, they run my credit, it is XXXX, borderline fair and poor. That lender is not meeting my needs and I decide to change lenders, and the new lender runs my credit and it has gone down XXXX points to XXXX which is now reflect the score as poor, which now means I ca n't get a house at all because my score has to be at least XXXX. I have not done anything wrong to cause this. I have not failed to pay anyone, or been delinquent with any payments. It 's as though you 're taking away my right to change my mind, and destroying my chance at home ownership just because of a credit inquiry. It does not seem to me that the services are making any money when a business inquires as to what your score is. If that is not correct, please enlighten me. This is a matter that needs some serious revamping, not later but as soon as possible. It is unfair to all consumers, whether the credit score is XXXX or XXXX. 
I will be sending this request for change to you every day until my voice is heard and also looking for other sources to voice my complaint to in the meantime. 


Thank you,
Product: Credit reporting or other personal consumer reports

I decided to voluntarily surrender the vehicle in XXXXXX/XX/2022 due to the increasing vehicle theft of any XXXX model. Unfortunately I did not have insurance or the money to fix the repairs I had no choice but to surrender the vehicle. 

I feel like since the uprise of XXXX vehicles thefts, my credit should not be affected or Damaged due to something that was beyond my control. I understand that I am financially responsible for the remaining balance on my account however since the account status is now written off as bad debt I shouldnt be penalized as far as credit wise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX Open Date XX/XX/2013 Balance : {$0.00}