23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Today XX/XX/XXXX at XXXXXXXX XXXX I was picking up my room and found a debit card issued by XXXX XXXX XXXX, which is linked to my PayPal business account, under my bed. In the past few weeks I have had fraudulent activity on my personal bank account so I called PayPal customer service " ( XXXX ) XXXX '' to see if I could gain access to my account so I could log in and check the transaction records but was told that they could not do that because of some restriction I did however convince the first representative I spoke with to verbally give me some transactions on my account and I noticed ; as she was telling me the transactions on my account, that there were for sure TWO ATM withdrawals and 2 deposits that I did not make OR AUTHORIZE myself. One transaction was for {$160.00} on XX/XX/XXXX the other was for {$200.00} which occurred on XX/XX/XXXX I understand and realize that these transactions happened more than 5 years ago, but I lost access to the email and phone number associated with my PayPal business account around XX/XX/XXXX, so I wasn't able to monitor the transactions that were taking place on my account. Otherwise I would have brought this to their attention much sooner so that this could get resolved. While speaking with them I was repeatedly transferred for no apparent reason other than to get me off the phone, I was hung up on twice, and ultimately I wasn't able to update my phone number or email address on file with my account so that I can access my online transaction records without having to call customer service for help, which they were none of! Seeing how PayPal business accounts and debit cards are covered by the FDIC I assumed that I would get a refund or at least an account credit to resolve the issue since it was a transaction not authorized or done by me. The ONLY person legally allowed to authorize transactions on this account. 

My name is XXXX XXXX and I can be reached at ( XXXX ) XXXX or XXXX.
Product: Money transfer, virtual currency, or money service

In 2022 Bank of America scammed me out of {$5700.00} and claimed that a XXXX was sent out for {$5700.00} however Ive never in my life used XXXX especially not sending that amount and I didnt have more than {$100.00} in that account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/2022 ; XXXX XXXX XXXX Balance : {$4400.00} ; XXXX XXXX XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I applied for 3 credit cards through XXXX XXXX. I was denied because my credit was frozen. I unfroze it and ran it again. They informed me that since I was declined I could not get it. However, I was told it would not effect my credit to apply. Instead of a soft pull they did a hard pull which did effect my credit. XXXX points are added for every hard pull. 
The cards were : Milestone, Destiny, and Indigo. 
I have sent numerous emails requesting them to remove this from my credit account and have not received a reply from them. 
I feel that if I was declined the first time because my credit was froze and declined the second time due to the first decline, then why would they pull my credit? It doesn't make sense why it's on my credit report. 
I disputed it with XXXX and was told that the companies have to remove it. How can anyone contact them when there is no contact information? 
I hope you can help me with this issue. 
Thank you
Product: Debt collection

In XX/XX/XXXX, I sent in writing, a dispute to the debt, believing I did not owe the debt. Sequium did not obtain any verification of the debt nor did they mail this verification to me. However, Sequium continues to contact me both via email and phone to attempt to settle the debt, despite them never being able to obtain verification of the debt in the first place. They have sent emails on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Additionally, this unproven debt has now been reported to the credit bureaus and my credit score has dramatically decreased as a result and I am no longer in good credit standing, and I can not get any further credit, including a mortgage. I feel that they are in violation of the fair debt collection practices act.
Product: Credit reporting

Account is more than 7 years old. My car was repossessed in 2008 from original creditor. Collection agency claims they do not have any records of this account, however it is still on my credit report from XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Recently looked at my credit report It has come to my attention that ( XXXX XXXX XXXX, and FAIR COLLECTIONS & OUT ) has acquired and shared my information to other companies without my written permission. According to 15 USC 1681b - Permissible purposes of consumer reports, any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. This is also a violation of 15 USC 1681 ( a ) ( 4 ) Infringed Upon a Consumers Right to Privacy.
Product: Student loan

I applied for XXXX in XX/XX/XXXX. Only one of my 3 loans was eligible for it ( a subsidized XXXX XXXX, disbursed in XX/XX/XXXX ). My application was approved in XX/XX/XXXX, giving me a monthly payment of {$200.00} on this loan. Barely two weeks later, I got another email from Aidvantage saying that my loan terms had changed, and my monthly payment on my SAVE-eligible loan was now {$770.00}. Please find attached the pdf correspondence from Aidvantage documenting this timeline of events. 

I am a model debtor : Ive never been in default over the life of my loan. I have excellent credit. I just got engaged and am trying to save up for my wedding, and a total monthly payment of over {$900.00} would make that impossible for me. I applied for the XXXX program because it was supposed to lower my monthly payment, not increase it by over 700 %! 

If I may speculate, it appears to me as though Aidvantage deliberately shortened that loans payback time, so that I would have to pay it off quicker, thereby raising my monthly payment. Is that even legal? While its true that paying off any of my loans faster technically saves me money in the long run, I did not agree to those terms, ever. My other 2 loans are stafford unsubsidized, and according to Aidvantage, they are scheduled to be paid off in XXXX ( see pdfs labeled " stafford '' as documentation ). The loan thats the subject of complaint is currently scheduled to be paid off at the end of XXXX! 

I have the following questions : XXXX. Why did the payment due date change from XXXX, to XXXX, to back to XXXX? 
XXXX. Why did my payment jump from {$200.00} to {$770.00}? 
XXXX. How can this be remedied? 
XXXX. Finally, is it advisable to refuse to pay Aidvantage until my complaint is addressed? I do not wish to accidentally agree to a monthly payment of {$770.00} by paying my other loans. 

Im very upset. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I went to a car dealership to discuss getting a new vehicle and trading in my existing vehicle. When running # s, I was told that my vehicle has no trade value as it was involved in an accident. According to an XXXX report from Experian, my vehicle was listed as having been in a " Multiple Impact Collision '' on XX/XX/XXXX. I was never in an accident in NY. I called the XXXX County Police XXXX Precinct Auto Accident Clerk 's office and the records department and both confirmed that there were no records of an accident under my name or the accident report number cited in the report. The false information has monetarily hurt me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to remove this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following inquiries : 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
Product: Credit reporting or other personal consumer reports

XX/XX/2019 XX/XX/2019 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am not participating in the collection of this alleged debt.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

Upon reviewing of my credit reports I have come across the account that you are negatively reporting on my credit report ( XXXX ). Upon further investigation I have discovered that you are claiming to have charged-off this account. I am writing this correspondence to request my 1099-C that is associated with this charge off that is in their books. This has been owed to me because the debt that you charged off was more than {$600.00}.
Product: Debt collection

XXXX XXXX failed to cancel my policy when asked. Out of nowhere this debt is listed on my credit without any written notification. How can XXXX XXXX XXXX  report a collection on someone's credit when this is not a financed account?
Product: Debt collection

I received a call from Nissan on or about Monday, XX/XX/2019, I spoke to the representative and advised that I would be making my payment before the end of the month online. The representative gave me a breakdown of all the charges including late fees, and personal property taxes the representative recapped the call several times and also asked when I would be paying next month 's payment. I advised when I pay it, I gave this response because I was frustrated and didn't want to continue the call and also asked why Nissan had not contacted me with regard to my mileage not being correct on my lease or offer an apology. The representative just blamed the dealership. I reminded the representative that the dealership would not be involved if I go over my mileage I would be paying Nissan Finance. At any rate, I promised to pay with a method, amount and date on that call. I then received two subsequent calls from Nissan attempting to collect a debt when I informed them that I would pay. I gave specific instructions and calling and harassing me is a clear violation of the FDCPA.
Product: Checking or savings account

Well Horrible experience, If I can give in -ve I will give it. 
They did not open my checking account in a proper way ( Either the  person who opened my account did not know how to open for non immigrant or XXXX XXXX is wrong ) and chase bank deduct {$72.00} as tax withholding from my account. 
I have provided all correct information on very first day with all proofs. Then once i got the withholding I called the customer service they said I need to fill form and contact the branch then everything ll be sought out. 
I called the branch and the the person said they will take care of it. They asked me to fill some another form and it failed again because they forgot to take signature once more. I went again to fill the form. 
After few days I again got a letter from Chase that I have a incomplete form, I called the branch and they said come again and we will fill it again. I was like why again and again it's not a rocket science. 
I called customer care gain and they said they have it and i do not need to send it again ( Branch was not even smart enough to do it ). 
Now by god 's grace in 2.5 month bank and branch is able to fill my correct forms but they are not going to refund my money which they keep for withholding. 
Branch is not even taking a responsibility for working on my refund and said they have called the bank and we have a case number, Now you can follow up with them. 
Really I have keep following up with you and branch for you mess up when you and your system can not do job right at first time. It's not my mistake then why I have to pay for someone else mess up. 
Customer service it saying that you can hire a tax representative for XX/XX/2018 tax refund and get your money back from federal government. So now I will spend around 200-300 to get my {$72.00} back This branch has no inexperienced people and bank is also not taking the responsibility. 
Do anyone know what can I do more and get my money back from bank and branch ... ... 
I am going to post this as many place I can and ask people what to do ... ..This is the only option I have now ....
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Bank account or service

I deposited a check at my Bank  's ( Regions Bank ) ATM  on the  XXXX  of  XXXX . This check was an insurance check that was issued to me  by my Insurance co mpany -  XXXX . The check has my vehicle finance company on as lien holder which requires their endorsement. This was the  first  XXXX  party ch eck I have ever received and I had deposited without the lien holder. I reached out to my Insurance company  XXXX  to see if they can cancel the check and re-issue a n ew one tha  t  I can get proper endorsement from my lien holder.  XXXX  informed me that Regions has taken the funds from their account and currently possess the funds, as such, They can not cancel the initial check and re-issue another  one. My B ank sent me a letter advising that they will make my funds available after    XXXX   days on th e  XXXX  of  XXXX . This was extremely disappointing and I cou ld n't imagine why  my bank would hold my funds for more than   XXXX    days. Today is  XXXX   XXXX  (    XXXX   XXXX   days aft er my deposit ) and I still have not received my funds from Regions. Regions Bank have treated me and my family like  XXXX , they could care less what financial or emotional impact their terrible treatments have on their clients. At this point I feel completely powerless and I am hoping that the CFPB can help to get my funds from Regions immediately.
Product: Credit card or prepaid card

I have had a Kohls Charge Credit Card for 9 years. For the 9 years of having this credit card I either went to the store and made a payment in person, or I called on the phone or did a one-time payment on the website. 

In XX/XX/2021 I forgot to make my payment by a few days, once I remembered I called Kohls, they reversed the late fee no problem and I processed my payment for the minimum due. After almost forgetting to make that payment, I decided I should just sign up for automatic payments so this didnt happen again. My bank account information was already saved in my account so all I had to do was set it up for the automatic payments, which I thought I had done. Next payment for XX/XX/2021 was suppose to be automatically drafted from my account, and then XX/XX/2021. Apparently the automatic payments didnt process. The 9 years of having this charge card this was my first time setting up the automatic payments and for some reason it didnt go through, possibly could have been an error on Kohls end. I was unaware of the XXXX and XXXX payment not going through, until I received a call from Kohls saying I was 2 months late, which I thought was a mistake and this was a scam caller because at that time, which I had thought I made my automatic payments. The rep. Told me I didnt make the payments, He told me if I paid the balance in full he would waive the late fees and the late payment wouldnt be reported. The late fees got waived but the late payment was reported which drastically dropped my credit XXXX points! 9 years I have never had an issue like this with Kohls, and after the late payment got reported I reached out several times to kohls and they said they cant do anything, even though they said they wouldnt report the late payment especially since this hasnt happened to me before and Ive never called them with a problem like this. This late payment is the only thing affecting my credit score, I havent had a late payment like this in 6-7 years and because of their website thats already difficult enough navigating through and didnt process with my automatic payments, I have to go through this. Not hard enough that at that time it was still COVID-19 and considered a natural disaster like everybody wasnt struggling enough, they couldnt even do a 1 time courtesy, or a good will adjustment due to all the circumstances.
Product: Debt collection

Without any notice, debt collector XXXX XXXX XXXX placed a collection on my personal credit report even though the age of the debt was very old. They didn't allow me at least 30 days to dispute the debt as it doesn't belong to me, but to XXXX XXXX XXXX. Bank statements from the original creditor doesn't even have my name anywhere on it. I feel they deceptively did this to pressure me into paying for something that I am not responsible for. I don't even know where they came up with the amount they say I owe. 

On XX/XX/2018 I have sent them a certified letter stating that the debt is not mine and requested documentation to showed that I personally agreed to be responsible for the credit card, but they never responded to me. 

There actions have caused me financially as I am unable to get decent credit for myself and my business.
Product: Credit card

Chase deleted, without notice, my phone number from a internal sub-system customers do not have access to preventing me from logging into my account as there is no phone number to send the code to. 

Instead I am told to call a number that asks for information I do not have. Specifically a debit card number ( the credit card I have with them does not work ) or account number ( which does not exist for my account ) and hangs up if this information can not be provided.

After multiple calls to various departments one was finally able to give me a code but not resolve the issue. Forcing me to have to spend hours on the phone anytime I wish to interact with my account in any way.

As NY is a one party recording state I have recordings of all the calls that can be provided upon request. It is a large volume of data and as such not included in the initial report as I fear it will overwhelm the upload limit.
Product: Checking or savings account

USAA has continued to reorder transactions to maximize their fees in my account and delay USAA to USAA transfers to bounce transactions. I am " opted out '' and thus if I do not have enough money, debit transactions should be declined. Instead, they reorder charges to always process ACH transactions last, so debits always go through and they can charge overdraft fees on the ACH transactions. On XX/XX/XXXX I added {$200.00} to my USAA account from USAA brokerage. On XX/XX/XXXX a {$90.00} ach was bounced because even though USAA had my money and had taken it from my brokerage, they did not credit it to me until XX/XX/XXXX, essentially holding it themselves on the day of XX/XX/XXXX so it was available in neither USAA account and resulting in a {$29.00} NSF fee. Then, they charged another {$25.00} overdraft fee by reordering transactions that same day they had my money not credited to clear the ACH last instead of a debit last, which would have resulted in no fee, to say I was - {$1.00} because of an ACH. They continuously reorder fees to process ACHs last on people that are opted out to maximize fees, and also process largest to smallest then to maximize fees. In addition, they delay USAA to USAA transfers making the money available in neither account to hold money for a day to bounce items.
Product: Credit reporting or other personal consumer reports

there are many fraudulant address reporting on current credit report, i have called experian, XXXX  & XXXX  muliplie times to remove personal information that is reporting on my report but the companies are refusing to remove these fruadulant address off my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I was charged {$10.00} by XXXX, and {$10.00} by Experian to freeze my credit information accounts. 

In the wake of this massive credit information breach, I feel it is completely absurd that I have to pay for XXXX XXXX massive mistakes. XXXX and Experian did not/will not waive their credit freeze fees as XXXX did ( after receiving massive pressure to do so ). The problem is that all of them store THE SAME information, so only freezing with XXXX is useless. I feel that either XXXX and Experian should ALSO waive/refund their fees in response to this disaster, or XXXX should cover the price of freezing credit with their competitors. 

Not only am I ( and 143 million other people ) at risk for fraud and identity theft, but I have to pad the pockets of the very companies who collect, store, and sell my information without my consent in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

First I am a Identity Theft Victim. Not just a plain victim. My profile was stolen and IRS is working on this to help get a new social security number. 
XXXX XXXX stated they sent info., to you to be checked. I did not authorize that. You should have looked for the authorization. But, you should have immediately known I was a Identity Theft Victim. Then you come out and give them some bogus score number, after I have had my car financed with XXXX XXXX and have a perfect account. This seems to be a pattern where the finance co. can approve the loan but charge a higher interest rate. My loan with XXXX today is at XXXX XXXX 
I can see from the multiple complaints that this is going to turn into a mass litigation lawsuit! 
I tried to get my credit report from you and have not received it. I just called you again, but will not call anymore. I am requesting a full investigation of your company, to include employees-where and how you obtain your information-length of time in business and the number of complaints filed against you.