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

On XX/XX/2023 my checking account with Current Bank an amount of {$800.00} was taken out by XXXX XXXX. My account was compromised and I reported to current bank who did not investigate as they should and failed to return money that was stolen. I reported it immediately once I came back in town and yet my back still did not investigate and see that this was an invalid charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a XXXX XXXX XXXX XXXX through XXXX XXXX in XX/XX/XXXX. The vehicle was involved in an accident on XX/XX/XXXX which resulted in the vehicle being a total loss. My insurer XXXX paid off the balance of the lease and sent me the remaining amount as the car was valued at more than the balance of the lease. The lease balance was satisfied and the account was closed. Since then, XXXX XXXX has reported that the lease was satisfied and closed as of XX/XX/XXXX but in the remarks section it states Early termination ; Insurance loss. As a result of this remark, my XXXX XXXX dropped by almost XXXX points and I have been denied credit from several banks as they stated I have a serious delinquency on my credit report. After further investigation, it was determined and shared by the banks that the reference to an early lease termination is considered a derogatory remark, comparable to a repossession or numerous late payments and it should only be reported as a total loss and not early termination. I have spent countless hours on the phone with XXXX who claims they cant fix it even though its wrong and negatively impacts my credit and according to Transunion, even though its wrong and now considered a negative item on my credit report, they cant remove it until XXXX updates their reporting. I am basically stuck in a circle of finger pointing and unable to have my credit report fixed. Every bank and credit agency says its wrong but XXXX wont remove it or update the remark so it doesnt continue to impact my XXXX XXXX for the next 7 years. I have no where else to turn at this point as Ive exhausted all efforts thru XXXX and Transunion.
Product: Credit reporting or other personal consumer reports

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  I looked at my TRANSUNION credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: Checking or savings account

On XX/XX/2002 I submitted a dispute with USAA for charges of {$280.00} to my checking account via debit card debit that I had not authorized from a company I have had business with and had decided to ilegally charge my account after leaving them a negative review for their services. USAA took over a month to process the dispute, only to request more information, which was information already provided, and then deny the dispute without refunding my money. I have been a USAA customer for over 21 years without issues and now they decide to allow someone to steal from me. Seems like they did not do any investigation whatsoever and just denied the dispute. Have they don't their investigation, they would have seem that the company did not have any right to debit from my account since I had not given them permission to debit anything, so they wouldn't have any receipt or authorization allowed by me. In addition, I did provide documentation of any payments given to the company, which were not even in the same amount of what the company debited without permission. This is simply fraud and USAA is allowing it.
Product: Debt collection

This company threatened to suspend my drivers license on an account that I have been paying monthly on for the last 2 years. I made XXXX payments via check in XX/XX/XXXX and XX/XX/XXXX. Unfortunately the company did n't receive the payments. I told them I would go online and pay the first payment, but my bank told me the other check had been cashed. I was waiting for the copy of the check and I was in constant communication with the company. I left several messages and told them that I would go online and make they payment. Every time I talked to them they threatened they were going to petition the court to suspend my license. I am a law abiding citizen and understand that this debt was my fault and I have been making restitution. To decided to take someone 's license away because they did n't receive a payment or XXXX is ridiculous. I have been doing the right thing and should n't be threatened when I was making payments. The debt was {$2400.00} when we started and it 's now under {$1000.00}. I have certainly been doing my part. This is n't the first time I have had issues with the collection tactics of XXXX. Furthermore this company never notified me in writing that they would have the power to suspend my license if I was behind in anyway in my payments and when I told them they could n't take my license away because they were a debt collection company, XXXX said they were a subrogation company and that was different. On all forms/statements it says they are a collection company trying to collect a debt. So what are they??? I have attached a copy of a statement showing how much I have left to pay on this account. Please help me!!!! This company should not be allowed to do business this way. Especially when someone is communicating with them in regards to the debt.
Product: Vehicle loan or lease

On XXXX XXXX, my vehicle was repossessed by Ally Financial. I immediately contacted the company to determine the total amount required to reinstate my vehicle. However, I was told that it would take 5 to 7 business days just to receive the total payment amount, which caused unnecessary delays.

Once I finally received the amount owed on XX/XX/2025, I made the payment on XX/XX/2025 using my debit card through XXXX XXXX, a third-party payment processor that Ally Financial accepts. When I called to obtain the payment amount, I was not informed that once the payment was made, I would have to wait an additional 5 to 7 business days for the funds to post before I could retrieve my vehicle.

After making the payment, I checked my bank account, and the funds had been deducted. However, Ally Financial refused to release my vehicle, stating that they had not yet received confirmation of the payment. If I had been informed of this processing delay upfront, I would have considered using an alternative, faster payment method.

To resolve the issue, I contacted ACI Payments, and they confirmed that the payment was successfully processed. When I inquired about canceling the payment to make a direct payment
instead, I was given an email address to request a refund. However, when I visited the XXXX XXXX  website, it stated that refund requests should be handled by the company that received the paymentAlly Financial. This resulted in a frustrating cycle of miscommunication and delays.

I believe that Ally Financial failed to properly disclose key payment processing details, leading to unnecessary hardship. The delays in providing the total amount due, the extended wait time for payment processing, and the lack of clear refund procedures have caused significant inconvenience and financial strain. I am seeking an immediate resolution, the release of my vehicle, and compensation for the stress and hardship caused by these delays and miscommunications.
Product: Mortgage

Experienced harassment and unnecessary delays in processing a mortgage from Wells Fargo that resulted in having to walk away from the mortgage. Initially told that I qualified in early meeting XXXX. Provided two years tax statements, paycheck stubs, signed dated gift letters, employment check and credit check info at time of signing early XXXX Had XXXX requests to put gift letter on official form, initial information, provide bank addresses, provide POA letter ( on XXXX different requests weeks apart ) and ALL gifter account numbers ( even though XXXX gifter has already transferred the money ), explain all banking transactions for last 6 months, changed amount personal money required, etc etc. XXXX gifter was told that it was illegal for him to put the gift money into the buyer 's account. Never got a closing date up to less than a week prior to required closing ( XXXX XXXX ) even though every request for information was satisfied within 24hrs of the request. Very Bad experience. Very poor communication. Despite request up front to let us know what was needed, the requests came in piece meal and often several times on the same documents. Never returned calls to elicit the status and requirements. Seemed that since the mortgagee was a single woman, there was indifference to making this process acceptable. Would definitely recommend that individuals seeking mortgages avoid going to Wells Fargo.
Product: Debt collection

I made several attempts to remove SCA collections off my XXXX  credit report and was unsuccessful. There are 2 of the same reportings with the same amount and one different amount but all three accts are from the same company. They failed to verify validity of the account and XXXX failed to respond and remove said reports
Product: Mortgage

I am a housing counselor working with a borrower who 's loan is serviced by Bayview. Bayview under charged about {$3300.00} for escrow in XX/XX/XXXX and the borrower elected to pay this amount in a lump sum in XX/XX/XXXX. However, Bayview continues to charge the borrower a mortgage payment including {$370.00} extra for the escrow repayment. Each time the borrower tried to contact Bayview to find out what happened to his payment, the system hangs up on him and he can not reach a representative. We called Bayview together using a desk number for a Loss Mitigation Representative that we had on file at our office ( because I also experienced the inability to reach a live person ). XXXX, the representative we spoke with, supposedly moved the funds.from a XXXX account where they had been mistakenly placed to the escrow account. However, the borrower continues to be charged the additional {$370.00} for escrow repayment. Each time that we contact Bayview we are unable to reach a representative through their customer service line and they give us the run around about the escrow account.
Product: Checking or savings account

i had received a call from us bank stating that there was a fraud problem with my account. Because i had a problem logging into my account and i was accused of lying about the fact that someone else probably somehow got in to my account. And i told them several times that i didnt know who could have accessed my password because usually write it down so i wouldnt forget. 
And i was also to that my account was overdrawn in which i had know idea about and i had XXXX in my savings account and they wouldnt return that either.
Product: Credit reporting or other personal consumer reports

XXXX charged my account off. I have not received a 1099-C from the company as this is now written off by XXXX and income for me to file on my personal federal taxes. This cancellation of debit is also against the FCRA 604 ( a ) ( 3 ), prohibiting personal income included on my credit report. The in accuracy of this information is causing undo harm to my finances. I have disputed this information with the company XXXX as well as the three major credit bureaus. XXXX, Experian, XXXX.
Product: Debt collection

Under the FDCPA, debt collectors are prohibited from Abusing or harassing a consumer by, for example, repeatedly calling their telephone or letting it ring continually.
Product: Credit reporting or other personal consumer reports

XXXX is reporting two accounts on my credit report that re duplicate accounts of each other. These are the accounts that are reporting, which are duplicates. 

XXXX XXXX {$1300.00} and XXXX XXXX {$1300.00} I have asked them to delete those accounts because they are in error and violation but they refuse to delete them. They sent me a letter and said they would not investigate further but there is nothing to investigate because that is the same account. 

The FCRA states if there is an error on my credit report it must be deleted and that is what they must do.
Product: Checking or savings account

On or about XX/XX/XXXX I was notified that someone had compromised my account totaling about {$150.00} on 2 separate transactions. capital One called me and I was asked if these were my charges and I said no. 
My Social Security check had gone into my account via direct deposit around this time. Capital One has placed a hold on all my funds until XX/XX/XXXX. 
I have call numerous times and been on the phone with them for as much an hour and one half per phone call. 
I am on a limited income and need my money for my personal livelihood. 
Although the people at Capital One are sympathetic to my issue, they say their hands are tied. 
Please help me get my money.
Product: Debt collection

My information was sold to 3rd party company and they have reported it to my credit and added the wrong amount.
Product: Checking or savings account

MY account was over drafted due to an unauthorized payment. I contacted the bank and the bank the overdraft fee of {$36.00}. However, the bank refused t reverse the OD overdraft daily fee on the the original {$36.00} overdraft fee, which makes no sense. 
The bank charged me heft fees of {$7.00} a day totaling to {$77.00} or so, I have a copy of my a printout of my statement that was printer by the Personal Banker of BMO showing the refund of the original {$36.00} OD fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone had tried opening a credit card with multiple banks in my name. I contacted Capital One to which they said they will do an investigation. An investigation concluded and a letter was send. The letter said ( paraphrasing here ) that the attempt to open up the credit card was fraudulent and that they would inform all 3 credit bureaus. The letter I received is in the ATTACHED document section. 

Unfortunately, XXXX  has told me that they never received anything from Capital one and that they would need an electronic message sent over to them in order for XXXX  to remove the inquiry off of my account. Around 3 and a half weeks ago or so I sent a letter to Capital One, asking them to ELECTRONICALLY resend the original letter that was sent over to me in XXXX to XXXX. I have not received anything yet from Capital One confirming that they have sent anything out or that they even received my letter.
Product: Debt collection

This debt is in dispute and has been since XX/XX/XXXX. The original creditor is XXXX XXXX XXXX XXXX XXXX. First Associates Loan Servicing c/o XXXX XXXX XXXX is attempting to collect the debt. XXXX XXXX XXXX began initial written communication about this debt in XX/XX/XXXX and identified their organization as a debt collector. XXXX failed to provide information according to FDCPA 809.a.1-5 [ 15 USC 1692 ] that validates the debt, the original creditor and provide an opportunity for the dispute of this debt since they are not the original creditor as evidenced by the Truth in Lending Disclosure Statement ( attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking over my own credit report I have found a few accounts that I believe are reporting in error. I have requested multiple times proof of ink signature documents according to section XXXX ( a ) ( XXXX ) ( A ) and section XXXX ( a ) ( XXXX ) ( A ) of the Fair Crediting Reporting Act showing that these accounts are indeed verified and belong to me and I am not aware of them. The accounts still haven't been verified legally to standard but continue to be reported on my credit report after months of request to have them removed. 
I am seeking the removal of these negative accounts that are reporting on my credit file or legal verification showing that these accounts belong to me. Please see below the accounts information in question. 

Account XXXX # XXXX Balance : {$20000.00} UNVERIFIED ( past XXXX yrs old )
Product: Debt collection

I dont know this company. I have never had a relationship with this company. This debt is not mine. The company has failed to provide me with any contract bearing my signature. All they did was send me a detailed bill. I requested the original contract bearing my signature. They have failed to do so.
Product: Debt collection

On XXXX XXXX, 2015, I received a letter from Central Credit Services LLC, dated XXXX XXXX, 2015, attempting to collect a debt I allegedly owed XXXX. On XXXX XXXX, 2015, I sent a certified letter to Central Credit Services ( i ) denying that I owed the debt ; XXXX ii XXXX demanding that they cease attempts to collect the debt or contact me until they could satisfactorily demonstrate the validity of this debt ; XXXX iii XXXX stating that any further contact should be in writing to a specified address and only for certain limited purposes ; and XXXX iv ) directing them to refrain from reporting any negative information to a credit agency. This letter was delivered to Central Credit Services on XXXX XXXX, 2015. 
Subsequently, on XXXX XXXX, 2015 XXXX I received a call from XXXX. The caller would not identify herself at first ; only after multiple requests on my part, did the caller acknowledge that she was calling on behalf of Central Credit Services. I told the caller that I had disputed the debt and directed them not to contact me, that calling me was a violation of the FDCPA, and that I would be filing a complaint against the company.
Product: Credit card or prepaid card

Order was placed to a XXXX company called XXXX XXXX XXXX XXXX  XXXX on XX/XX/2020 Amount of purchase was {$3000.00} American Transaction was conducted under XXXX XXXX XXXX program Credit card used was a double cash back citi bank credit card. 
XXXX  XXXX guarantee shipment 50 days from day of purchase. 
The manufacture promised 60 days. 
Manufacture provided false shipping information to prolong process. 
Both XXXX and citi bank are claiming they are waiting on responses from each other for refund. 
As of XXXX still do not have any valid shipping info of product or refund.
Product: Debt collection

Violation of the US Constitution 's Fifth and Fourteenth Amendment : I was not aware of any legal action against me from Capital One Bank prior to a shortage in pay on XX/XX/2019. After noticing my paycheck was minus several hundred dollars, I contacted my employer 's Human Resources Representative to see if they forgot to include my overtime pay. The Representative contacted payroll and then informed me of a GARNISHMENT they had received. I asked for an email copy of all records they had regarding this matter, went online to AZ Public Court Records, and then contacted the Superior/XXXX Justice Court to inquiry how this was possible. On XX/XX/2019, I called the Clerk of Courts and told them I had never been notified ( Served ) a summons, and wasn't aware of any legal action pending against me. The Clerk told me the Process Server 's ( XXXX XXXX ) told the court that I wouldn't open the door for him when he knocked, so Judge XXXX XXXX amended the the summons to where the process server could simply leave it on the door. I work nights and try to sleep during the day time with as much white-noise as possible. I do not get out of bed every time someone knocks on my door as this would be equivalent to someone working day shift being disturbed in the middle of the night ; from it being solicitors selling windshield replacements, newspapers, tamales, etc. The Clerk went on to say that she spoke with me directly about the pending court hearing and that I told her I needed to get back with her after checking some information. This NEVER happened! I go to the court once a month to pay a fine to the Clerk of XXXX Magistrate Court, a different Clerk in the same office. She went on to say that Judge XXXX XXXX then entered a Default Judgement against me because I never got back into contact with the Clerk after this bogus discussion. ARIZONA CASE NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance
transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. ( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance
transaction that is not initiated by a consumer. Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) XXXX XXXX XXXX - XX/XX/XXXX - Unauthorized Hard Pull! Please refer to to Section 604 of the FCRA. I demand immediate DELETION from my credit report. 

XXXX - XX/XX/XXXX - Unauthorized Hard Pull! Please refer to to Section 604 of the FCRA. I demand immediate DELETION from my credit report. 

XXXX XXXX XXXX - XX/XX/XXXX - Unauthorized Hard Pull! Please refer to to Section 604 of the FCRA. I demand immediate DELETION from my credit report. 

XXXX XXXX XXXX XXXX  Unauthorized Hard Pull! Please refer to to Section 604 of the FCRA. I demand immediate DELETION from my credit report.