23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX KikOff IncXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX Attention : Office of General Counsel Enclosed & Attached- XXXX XXXXSelf Annotated Member Agreement- Please Address Each Section Highlighted Exhibits Of Late Payments From XXXX XXXX & XXXX XXXX XXXX XXXX Power of Attorney Document KikOff Support Case Emails Page 13 Under Kikoff Card Member Agreement Under Subsection Governing Law : Governing Law THE TERMS AND ENFORCEMENT OF THIS AGREEMENT AND KIKOFF ACCOUNT SHALL BE GOVERNED AND INTERPRETED IN ACCORDANCE WITH FEDERAL LAW AND, TO THE EXTENT STATE LAW APPLIES, THE LAW OF THE STATE OF WASHINGTON, WITHOUT REGARD TO CONFLICT-OF-LAW PRINCIPLES. THE LAW OF THE STATE OF WASHINGTON, WHERE WE AND YOUR DEPOSIT ACCOUNT AND CARD ARE LOCATED AND FROM WHICH WE EXTEND CREDIT TO YOU, WILL APPLY NO MATTER WHERE YOU LIVE OR USE THE DEPOSIT ACCOUNT AND/OR CARD. 

Page 2 On KikOff Terms Of Service Subsection Consent To Receive and Use Consumer Information : I understand that I am providing written instructions in accordance with the Fair Credit Reporting Act and other applicable law for Kikoff and its affiliated companies to request and receive copies of consumer reports, scores, and other information about me from third parties, including, but not limited to, XXXX, XXXX and XXXX. I understand that my instructions permit Kikoff and affiliated companies to obtain such information at any time for as long as I have a registered Kikoff account and to use it as described in the Terms of Service and Privacy Policy. 

The specific late payment in question, which is reflected in my account records, does not comply with the prescribed timelines for processing payments under the law. I request that you promptly review the relevant records and adjust the principal, XXXX XXXX payment history accordingly to reflect accurate and lawful reporting PER Federal Law 15 U.S.SC. 1666b.Opt Out : Per Federal Law, 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. Per Federal Law 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. 

I, XXXX XXXX XXXXAuthorized Representative here on behalf of /principal. I XXXX XXXX : XXXX accepts all Titles, All Rights, All Interest, and Guaranteed Equity owed to Principal XXXX XXXX I hereby instruct you to apply the Principals Balance to Principals Account Number : XXXX
Product: Credit card

my JCPenny has been altered on their online site someone used my old email address as their user name " XXXXXXXXXXXX '' my real address now is XXXXXXXXXXXX this makes it diffcult to get info online at synchrony bank not JCPenny where I signed up
Product: Payday loan, title loan, or personal loan

Had gotten aprrove for another loan on Saturday.. representative never called me back to finish the process.. went on line and it said I was approved but never received it. Call today to see what was going on and I was on hol d 20 m ins and more the 3 times I called. When I call back th e 4th tim e the lady knew who I was before I even said  hello..At  this time I 'm frustrated due to the improper customer service I ask her anyway I could cancel it and she rudely said we will have someone handle it and hung up
Product: Debt collection

NATIONAL BUSINESS FACTOR  XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Once again ; I have never incured debt with XXXX Nevada XXXX XXXX XXXX I have disputed this successfully with both XXXX and XXXX ; XXXX, for some reason they are still on my Trans Union report XXXX I have no clue why they would bill me for XXXX separate instances XXXX years apart. Especially when XXXX has already removed some reports with regards to alleged debts to XXXX Nevada XXXX XXXX. 

At the time of the alleged debt that was incured I had full medicaid for myself and my family and had for many years prior. Even if there was medical services rendered- it should have been well handled by my XXXX. This is clearly a billing error that I was not aware of and then was pushed to collections. 

What's more this is an open ended non contractual debt ; which in Nevada, the statute of limitations states that it can only be collected and reported upon for XXXX years after the service was rendered or last payment recieved. As most companies take a minimum of XXXX to XXXX months to collect debt privately and this debt was accquired by XXXX XXXX XXXX of XXXX Nevada on XX/XX/2018 it would make it WELL beyond statute for both unsecured open ended debt of 4 years and be very close to the end of Statute for written and secured closed end debt contracts in the state of Nevada.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$760.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00}
Product: Debt collection

I have had three specific problems with an company called Rent Debt Automated Collections ( " RDAC '' ). First, they did not let me know about my option to dispute the debt. Second, after I made a payment, they refused to provide any payment confirmation, receipt, or even copy of the payment arrangement. Third, they provided my confidential information to my attorney without any information release or proof of identity. My debt with RDAC is based on an old rent balance at a apartment complex in XXXX, North Carolina called XXXX XXXX XXXX. I did not know about the balance or debt until I was applying for housing and it came up on my background check. I did not receive any court summons, notification of a judgment, or option to contest the debt once RDAC took possession. In order to resolve a current housing problem, I decided to try to set up a payment plan with RDAC. They stated the total amount was XXXX, and I gave them my bank account information to draft {$100.00} per month on the XXXX of every month. After the first payment was made, I called RDAC to  request a receipt or payment confirmation. They refused to provide that information. I asked why they would not give me any proof that I had made a payment, and they told me it was their company policy to never provide anything in writing. I asked if I could see a copy of the policy, but they declined to provide that as well. After I was unable to get any proof of payment or payment arrangement, I contact XXXX XXXX of XXXX XXXX. An attorney at XXXX XXXX, XXXX XXXX, contacted RDAC to find out more information. According to him, he provided them my name and Social Security number, and they spoke with him about my account details. When he asked for a receipt, payment confirmation, or account history, they declined to provide it. When he asked why they declined, they said it was because of company policy. Again according to XXXX XXXX, he then escalated the call to a manager. XXXX XXXX again requested a receipt, payment confirmation, or payment history, and was again advised it was against their policy to provide anything in writing, " Because we found that once we provide proof of one payment, people stop making payments. So our policy is that we never provide proof of anything until there is a {$0.00} balance. '' XXXX XXXX then found a customer login portal on RDAC 's website, and asked for my login information. They provided both a username and password without receiving any information release from me or proof of identity from XXXX XXXX, only my name and SSN. Once XXXX XXXX was able to log in, he was able to access a payment history which he printed and provided to me.
Product: Debt collection

Conserve # XXXX I'm unaware of this debt of this debt. I did not receive proper notification to dispute this debt, if you believe you have supplied as such information please provided certified mail with receipt. Please remove ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan in XXXX of 2019 for {$5000.00} in XX/XX/2019 I paid {$4000.00} and put the rest on auto payment to be taken out at {$130.00} a month. The {$4000.00} payment was supposed to go towards principle and payments were to continue as scheduled the bank never took out any money out of my account for auto payments and notified me three years later that the payments were being deducted from that {$4000.00} amount so no payment was due I received no statements stating that a payment was due I signed up for online statements and every time I check the app the balance was zero so I assumed that the automatic payments were being deducted it was not until three years later that I was called and notified that the payment was due and upon notification I paid the balance of in full. I was charged an unknown amount of interest on payments that should have been made through auto payment and also they reported my account being 30 days past due in XXXX of this year. I spoke to a gentleman on XX/XX/XXXX and he notified me of this I immediately paid the balance that they said was due and asked for it to be escalated for review. I was also told on a recorded line that discover never reported my payments as delinquent To any of the credit bureaus as of that date and after the payment was made there would be no further action needed. A few days later I checked the loan account on the Discover app and it showed that I had a negative balance of {$.00} noted that the pay off of the loan was complete. Today on XX/XX/XXXX I received a credit alert stating that my account was 30 days past due and I noticed that there was a balance of {$24.00} on the loan account. This has caused me to drop my credit score via almost XXXX points while Im currently in the process of closing on the mortgage. I explicitly inquired about this on XX/XX/XXXX when I spoke to the customer service representative and I was assured that this would not happen but it did.
Product: Payday loan, title loan, personal loan, or advance loan

On Friday XX/XX/2023 I contacted Service Loan located at XXXX XXXX XXXX XXXX XXXX TN XXXX and spoke with XXXX XXXX to let them know that I was highly upset because they had contacted my job 5 times and left a voicemail after I had previously told them that I wasnt allowed personal calls. I also mentioned how upset I was because not only did they call my job they had also called my cell phone 3 times and also left a voicemail after reaching out to my sister to let her know I needed to get in contact with them bc my loan was past due all within an hour. He stated my loan was past due and that there wasnt a grace period. I told him to cease and desist all collections because what they did was very unprofessional and against privacy laws. He threatened me that I would be hearing from his attorney and hung up on me, before he hung up I was going to make my payment so I called back made my payment and asked for a supervisor phone number named XXXX. After the payment I wanted to get my payoff balance and he hung up again before I could ask for my balance and conformation code. He was very rude and unprofessional and shouldnt be threatening a customer especially when I was only 6 days late. I have been a great customer but this was unacceptable. He does not need to talk or threaten anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

The letter you sent state you conducted a thorough investigation into this matter and concluded that someone did obtain a loan with your company using XXXX XXXX XXXX personal information first that fraud m name is XXXX XXXX Second you state i open a loan at your branch XXXX in XXXX Mo on XX/XX/XXXX but my report states the acct was open XX/XX/XXXX so you wrote a letter that falsely saying i had number 3 then it says the acct-was transferred to Branch XXXX XX/XX/XXXX the letter makes no sense and its all over the place i will fight you in court and i will not stop this is fraud and miss use of my rights XXXX XXXX XXXX has stated in a documented letter of their inaccuracies also included my personal info and id to show im not XXXX XXXX this is on m acct inaccurate I also added Sectary of State XXXX XXXX i also included my info for awareness
Product: Debt collection

Since Im 100 % permanently XXXX and on heavy XXXX, my memory is not up to par however about XXXX XXXX years ago, I received a signed by XXXX XXXX XXXX judge judgement t in favor of LVNV in the amount of {$1300.00}. I was shocked because I was never made aware I had a court appointment. This was done behind my back without my knowledge. Then every XXXX months, Id receive the same letter. Then, yesterday, my bank, XXXX emailed me that a legal hold was placed on my account. After talking to XXXX, they told me that since I am direct deposit XXXX that my funds are protected but they took my XXXX XXXX XXXX daughters money from her high school checking account. She works XXXX hours most days and had {$110.00} dollars. I called LVNV a d they said this was an old XXXX XXXX credit card for {$500.00} but they now are representing XXXX XXXX and they need {$2000.00} to release the lien on my bank account. I explained this judgement was done behind my back and it actually was fir {$1300.00} and he said now more attorneys fees added to it and they will continue to take my XXXX XXXX XXXX money until I pay. The other option is that he will release the lien if I pay {$1500.00} up front. I told him I only have {$940.00} per month on XXXX and my rent is {$870.00}. I ha e to rely on family to help me survive.I get food at food closets. I have no car. Im extremely poor. I need your help please. This is an outrage that LVNV are getting away with this.
Product: Debt collection

I received calls from Monarch Recovery. At first, I would receive a message for XXXX ( unknown last name ) trying to collect a debt. This occured last year. I would receive a message now and then. I decided to block the number. Can not recall the number. I started receiving a number from Monarch Recovery on this caller ID XXXX. It will just ring and no one would be on the other line or the line would disconnect.
Product: Checking or savings account

On XX/XX/year> I was going to send some money to a crypto forum and it showed that it was pending then I decided not too so I called Bank of America and spoke to a gentleman that worked for Bank of America and asked him if the transaction had went thru he said no it hasn't so I said ok great I do not authorize this transaction please cancel it I do not approve this transaction he said okay yea the money is still in ur account I said ok good please don't let that transaction go thru at all he even said don't worry it won't go thru and even said as a matter of fact I can block them I said yes please do that .and just made sure so it's still in. My account my funds he said yes don't worry about it I said okay no that's it ty..so few days later my money is not in my account I immediately called Bank of America and said what happened I didn't authorize this transaction I even called u guys to tell u that I didn't approve it and the guy I spoke Too even said that he blocked the merchant and the agent said yea I don't know it went thru she couldn't do anything they said to file a claim and I did and they denied my claim so I disputed the claim again and they denied me again I said I called and u guys said my money is in my account if I would of known that same day I would of transferred my money to a different account..exactly what I said that's how it happened I asked them for the phone call recordings and they didn't want to give me that so is there anything I can do I trusted them I trusted the agent took his word my money is in my account if I would of known it was going to go thru I would of gone to the bank right away to withdrawl my money .. so I lost those XXXX it was close to XXXX it was fraud .. that money was lended to me by my family I even got loans to get that much money and it was got done crypto I made doing some trading but turned out to be fraud.. Bank of America didn't give a XXXX and cus of that my family won't speak to me cus I lost there money and I'm in debt cus of it too I went into XXXX and am still going thru it
Product: Checking or savings account

I opened a savings and checking account year XX/XX/XXXX. The savings is linked to the checking account. Below are the transactions : Savings XXXX Deposit Date Amount Withdrawal Balance XX/XX/XXXX {$50.00} {$50.00} XX/XX/XXXX {$770.00} {$820.00} XX/XX/XXXX {$760.00} {$1500.00} XX/XX/XXXX {$490.00} {$2000.00} XX/XX/XXXX {$1000.00} {$1000.00} Checking XXXX Deposit Date Amount Withdrawal Balance XX/XX/XXXX {$730.00} {$730.00} XX/XX/XXXX {$500.00} {$230.00} XX/XX/XXXX {$230.00} {$0.00} Closed When I opened the accounts on XX/XX/XXXX, I told the manager I do not like a debit card for these accounts. She said that is okay. She told me I could have an ATM card. The ATM card will be for deposit and withdrawal only. She also gave me two ( 2 ) small pieces of papers with routing numbers. In addition, she gave a Deposit Record booklet. 

I received a mail with an ATM card ending XXXX linked to the checking account which state that the card could be used for purchases at retailers, deposit and withdraw at ATMs, and print mini-statements. I was surprised to see the card and the accompanying letter since I told the manager that I do not want a debit card or an ATM card that acts like a debit card. I was very disappointed that my instructions were not honored by the bank. 

I closed the checking account on XX/XX/XXXX.

I withdrew from my savings account on XX/XX/XXXX.  The teller asked for an identification and I showed her my drivers license which I used when I opened the account. The teller asked me to swipe my drivers license card which I did and regretted doing it. I felt she tricked me in using my drivers license like a debit card. I do not like my drivers license to be used this way. It would be enough just to show her my drivers license. 

There are so many tricks out there that could duplicate any cards with magnetic strips. The bank opened my drivers license to this malicious practice. 

What are the routing numbers for? Please note that I had never used any routing numbers. I only went to your bank to deposit and withdraw. 

Issues : 1. You issued me an ATM card that acts like a debit card without my approval. What is your action on this and how will you prevent similar incidents? 
2. You tricked me to swipe my drivers license in your machine. Presenting my drivers license as I did when I opened my account should be sufficient for you. I suppose your personnel are trained to do this. 
3. Regarding the routing numbers, please assure me that there are no other accounts that used my identity. That there are no accounts linked to my accounts 4.  Regarding the Deposit Record booklet, is there a way that the bank could print on it all the deposits, withdrawal and balances? This is a very good security for both the bank and the customer.
Product: Debt collection

On XX/XX/XXXX, I received an email indicating there would be legal action against me about a debt I knew nothing about! I let them know I was a victim of identity fraud and would like the debts deleted from my credit!
Product: Debt collection

There is a collection with this company called Debt Recovery Solutions which is unknown and I do not owe this company anything. I have disputed and requested verification and nothing has been received. I need some help. 

Debt Recovery Solutions {$1000.00}
Product: Credit reporting or other personal consumer reports

I have a lot of inquiries in my credit that not authaurized by me 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 XXXXXX/XX/XXXX
Product: Debt collection

While living in XXXX california. I stayed in a shared apartment. At that time while I was at work the other guy name XXXX XXXX ( XXXX ) used my personal laptop which was in my room and collected all of my personal details which include my ssn, passport and my XXXX forms. I came to know about this after checking my credit history. he open my accounts under my name. he kept my id 's in opening XXXX, XXXX and in some financial online banking accounts. I lately came to know that many people got effected by this person XXXX.
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX, I established an account with UBS through an entity called XXXX  XXXX XXXX, with an approximate value of XXXX XXXX, and later added to that account an additional XXXX  XXXX approx, resulting in a total value of XXXX  XXXX deposited with XXXX XXXX of XXXX XXXX XXXX. In XX/XX/XXXX, I was fraudulently induced by XXXX XXXX to transfer this account to XXXX, where XXXX XXXX XXXX was then situated. I acceded to XXXX XXXX 's instructions to leave UBS because I received no alternative proposal from UBS to preserve and grow this account, and issued instructions to UBS to transfer the full amount in this portfolio to XXXX. However, UBS ignored these instructions ( for unknown reason ) and retained a portion of this money, exact amount unknown, in a retirement account XXXX XXXX XXXX. For several years, I received zero communications from UBS about this account, and was unaware of the fact that the money had not been transferred in accordance with XXXX XXXX 's instructions. I then started to receive monthly statements from UBS as to the value of the account, roughly {$6500.00}. I asked UBS to transfer this money to XXXX  XXXX XXXX, but they stated that this could not be done. Since that discussion, this account has remained at UBS, has been totally unmanaged, yet has been charged quarterly maintenance and annual account management fees. No one has managed this money despite these fees, and I now wish to get back from UBS the full amount of the value of the account from the date I requested transfer to XXXX, plus statutory interest.
Product: Vehicle loan or lease

I was stunned when I looked at my XXXX, XXXX and XXXX credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XXXX XXXX, XXXX XXXX and XXXX XXXX ; 60 days past due as of XXXX XXXX and XXXX XXXX ; 90 days past due as of XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.