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

I contacted Penfed and submitted the FTC report to confirm that my account was used fraudulent. I am not 100 % of whom might have used my account but I am only assuming because the bank was pressing me for information. Within 5 days my dispute for XXXX and XXXX XXXX were declined. They said it was declined because I knew the person who commented this crime. I am making a guess as I do not know who could have 100 % done these transactions totaling over 1,000.
Product: Checking or savings account

I opened an account around XX/XX/year> with {$200.00} and due to checking account maintenance fees, I now owe them {$20.00} after they already have taken {$200.00} in fees. Truist bank will now not close my account unless I bring the balance back to a XXXX dollar balance. I do not think their terms of service should allow blackmail and creating overdrafts based on fees. This bank is completely fraudulent. 

They will not place a hold on the account and their customer service reps have no authority to hold or close the account. So basically I am being blackmailed for opening a bank account with Truist Bank.
Product: Vehicle loan or lease

On , or about XX/XX/XXXX Global Lending Services (GLS) did repossess my vehicle (XXXX XXXX XXXX). When I made contact with the "Reinstatement Department" on the same day, I spoke to several agents ( XXXX, XXXX); first both agents refused to properly identify themselves when ask of their employee ID#s; secondly both agents made false statements concerning the status of the account.1. That a "Right to Cure" letter was sent out on or about XX/XX/XXXX, and then in XX/XX/XXXX. The account was put into a "Deferred Payment" status (90 days;) late XX/XX/XXXX, which meant no payments would come due until XX/XX/XXXX. This reason for the deferred status was that I was impacted by the Federal Government shutdown.Extension dates: XX/XX/XXXX ; XX/XX/XXXX; XX/XX/XXXX - 4 other payments were made, with the origination of the loan being XX/XX/XXXX - Payment was deferred 45 days from that date as 1st due XX/XX/XXXX  - The account was only 59 days past due but the show it as 122 days, which does not align with the deferments and payments... Again the lender did not send via mail, email, or text messaging any information pertaining to the account status. 2. During the same conversations with both representatives, I inquired about the past due about to bring the account current, both refused to give the balance on two separate calls, and both refused to cooperate with how I could bring the account current - they both hung up the phone, but before that told me that there is nothing they would do to help with my concerns in recovering my vehicle. 3. When asked, both representatives refused to give information on where the vehicle was located, that I had personal belongings, money, etc. in the vehicle and I also informed them that I was on travel in another city stating at a hotel where the vehicle was picked up; their response on two separate calls was that, " you are considered a skip, and we will not release your vehicle" They also stated that, " since you are in another city traveling we consider you a skip". I explained to them that I was not a skip, that I was on travel for business for my employer (XXXX); they both refused to reconsider in reinstating the loan and turning over the vehicle, both then hanging up the phone. Global Lending Service did not send a letter, no call. I have been in contact with this lender throughout the life of the loan. A substantial amount was put down on this vehicle and payments were refused by the lender when I tried to process online and during my call to the lender on multiple occasions.
Product: Debt collection

Thousands of dollars of bills were reported to my credit as a collection by Nationwide Recovery Service, I reached out to my insurance and confirmed I was fully covered for these bills, I disputed but Nationwide Recovery Service did not remove. I then spoke to the original creditor, XXXX XXXX XXXX and XXXX XXXX billing departments, I spoke to a representative named XXXX, the original creditor confirmed with me that this account is not in their records under my name, nor do they have an outstanding debt for me. I requested a debt validation from this collection agency, they sent me an itemized bill that states I owe {$0.00} awaiting insurance response. Again, the creditor confirmed that there were no balances outstanding under my name, my children 's names, or our social security numbers. I sent this proof and verification to the credit bureau and to the collection agency. 
It is not ethical or legal to collect a bill for patients fully covered by Medicaid ( also proven ), the original creditor does not have any bills in my name. The accounts are still being fraudulently reported to my credit report even though I do not owe any money which is causing harm to my finances and adversely affecting my credit report and costing me thousands of dollars in interest every year. I have sent a package of proof and verification to this collection agency of which they have ignored. I will take every step needed to hold this agency responsible, these items should not be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with TransUnion on an account that shouldn't even be on my report from XXXX, due to the account in question first of all not being mine. There are XXXX issues with this account, XXXX has no knowledge of the account information they reported to credit bureaus and after submitting a dispute with TransUnion on XXXX XXXX, 2022, now 10 days later there is no record of my dispute submission. This seems to be an ongoing issue with TransUnion as well, due to the fact that I have had many other issues ( some that required previous complaints with you agency ) with submitting complaints with them. What is the point of putting rules and laws in place if they aren't consistently upheld? I assume this is only meant for people not in affluence, or a place of power.
Product: Debt collection

In XXXX, my identity was stollen and used to open a number of fraudulent accounts. I was diligent about following up regarding these accounts and getting them closed as fraudulent, by compiling the following information : - Signed and notarized Identity Theft Report ( form provided by FTC ) - Copy of the police report I filed - Copy of my photo identification - Copy of a utility bill at the time the debt was reported to serve as proof of alternate residence Every account except for one was closed as soon as I sent the debt collector this information. However, ProCollect refuses to acknowledge that this account is fraudulent and close it. 

I submitted this packet to ProCollect on XX/XX/XXXX. 
I did not hear back from ProCollect until XX/XX/XXXX when I called them back to inquire about the status of my account. 
They claim that they reviewed the packet and decided it was still a valid debt on XX/XX/XXXX, but did not provide any details for how they reached that decision, despite me providing them with all the evidence that they requested.
Product: Mortgage

Dear Madam or Sir : I am writing a formal Notice of Dispute and a Notice of Violations pertaining to Specialized Loan Servicing denying me my 30 day legal right to Dispute and Appeal for a modification and the illegal actions of Specialized Loan Servicing pertaining to my primary residence located at XXXX XXXX XXXX, XXXX, XXXX WA XXXX, and Loan # XXXX. 


On several occasions during my phone calls with Specialized Loan Servicing ( SLS ) for updates and reviews, I was told in uncertain terms from SLS representatives that I only had until a XX/XX/2019 deadline to submit my Appeal/Dispute letter into their department for review. I have had to explain to these SLS representatives that I didnt receive their Letter of Denial until I had requested a SLS representative to fax it to me on XX/XX/2019, since it was never mailed out and this was the first I had heard about the denial! Once I received this Denial it didnt state any details of how I was denied, what information was used by SLS to come to their conclusion. I have a right to check these facts for accuracy since I have recently qualified for 4 other modifications ; therefore, I am suspicious that there was an error in their calculations which resulted in a denial decision. 

On XX/XX/2019 SLS Rep. XXXX ( refused to give me an ID or last name ), at XXXX and again at XXXX XX/XX/2019, denied me the right to speak to a supervisor on both occasions. She stated that SLS had sent out their Denial Letter on XX/XX/2019 and that I had no options but to adhere to a short sale or deed in lieu, and the fact that I didnt actually receive it until SLS faxed it to me didnt matter to her. 

It is very clear to me that SLS has intended to steal my property away from me by not informing me of this Denial in order to trip me up on getting my Appeal out before XX/XX/XXXX, ( which I have caught and sent out already to them prior to this cut-off date ), but have yet to receive the facts pertaining to this denial. 

I am disputing their violations of my right to 30 days to review ONCE I have actually received the information that I have repeatedly asked for verbally and in writing. Once I receive this information I legally have a right to 30 days to seek legal counsel and review this decision to be sure the facts they used to determine this denial are based in accuracy and is current. SLS is using these illegal tactics in order to go through with a set sale date of XX/XX/2019 instead of working with me in good faith for a fair modification. These actions are obvious, as SLS is desperately attempting to bend the rules and laws set in place so that they can deny a homeowner the actual time to respond and the transparency of fairly providing the details of the alleged denial facts it was based on. 


Thank you for your time and efforts and I do intend to keep my property.
Product: Credit card

After receiving a letter from CITI indicating that my credit limit was decreased, I decided to call the XXXX number provided in the letter to discuss the information contained therein. The XXXX time I called, I spoke to representative XXXX. Right off the bat I was given the impression that customer service is n't top priority for their service department as she refused to pronounce my name indicating it was too hard. Shortly thereafter I explained to her the sequence of events that took place and was instructed to hold while servicing notes were being reviewed. Once reviewed, the rep apologized and gave me the option to have my credit limit reinstated, but my cash advance amount to remain at zero. I was told by the rep that this was company policy. I proceeded to explain my anguish with a company policy that penalizes customers for technical issues and requested to speak with a manager/supervisor. I was placed on hold numerous times and waited roughly XXXX minutes before the same rep came back to inform me of how nobody was available to assist me at this time. I refused to leave my call back number and demanded to speak with a supervisor immediately. I tried explaining my discontent with the process at which time I was told that CITI is in fact a big company with a lot going on, insinuating that I should be more patient. At this point I lost all faith with the rep in question and decided to hang up and try back again, hoping to get another rep with a better skill set and stronger ability to perform his/her duties. Unfortunately again I came across the same scenario. At this point I notified the rep that I would be contacting CFPB with the aforementioned information. Here i am.
Product: Credit reporting

I was sued and placed in collections with this company but the case was dismissed and placed in my favor. I disputed this account with Experian and they came back and said that the account remains. I provided my court documents in the dispute showing that the collection was dismissed in legal litigation. The report number was XXXX. Please remove the XXXX XXXX collections from my credit report.
Product: Checking or savings account

There were unrecognized unauthorized transactions and I contacted Chase to stop the transactions but the representatives said there's nothing they can do, and didn't offer any alternative or advice. It has been months and there were still recurrent monthly withdrawal transactions. As frustrated and inconvenient as it can gets, I had to take the time to personally go into the local branch last week and demanded the stop of transaction. A banker assisted me to stop the unauthorized transaction. Anyhow, the unauthorized transaction went through again yesterday. I spoke with multiple bankers including the branch manager, and they all said there's nothing they can do. If this is Chase 's company policy, to unable to stop / still allow any transaction to go through even with the account holder personally went into the local branch to put a stop on it, then you lost our confidence in banking with Chase. There are no customer service obligations and definitely not a respectable business practice for an established financial institution. Up till now, Chase is still allowing the transaction to withdraw from the company account against my will even after I personally ordered a stop. I will demand a refund for all unauthorized transactions and file a complaint for this illegal practice of consumer fraud.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received a notification from XXXX XXXX that I had a new inquiry on my credit report. So I looked into it and noticed that XXXX XXXX had ran my credit and caused a hard inquiry on my report. On XX/XX/year> I called XXXX XXXX and told them that I did not authorize anyone to run my credit, so they sent me to the fraud dept and they asked me if I had applied for XXXX XXXX XXXX XXXX Credit Card and I said no I have not applied for anything. It is now under investigation and I have put a fraud alert and a security freeze on my credit report. There is an address from XXXX Nevada and a phone number ( XXXX ) also labeled on my credit report that is not my phone number. I have never had that phone number and I have never lived in XXXX Nevada
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to remove fraud alerts and statements from both my Equifax and XXXX credit reports and I haven't been able to. I would like to delete all fraud alerts and statements from my credit reports
Product: Credit card

I have a credit card through capital one. I have two different payment accounts available for making online payments through the capital one app. 1st is my capital one checking account, and the 2nd is referred to by them as my XXXX account ..... 

The problem is they charged me a nonpayment fee for the month of XXXX, when I made multiple payments in XXXX that did not go through due to some kind of error on their end, which they've refused to acknowledge. They say it's not a widespread issue but idk how it can be reported as a widepsread issue when they refuse to acknoedge any reports of it happening!! I just reported it to 2 different supervisors on 2 separate phone calls and nobody said they would even look into the issue, they just denied that it happens and acted like I was lying to them ..... 


I added the 2nd payment account to my profile back on XX/XX/year>, and every payment I made or attempted to make between then and XX/XX/year> was supposed to be drawn from that account. They will not allow me to remove the capital one checking as the default payment account, so I have to manually select the XXXX account as the payment account every time I make a payment, and that's what I've been doing every time. The first few payments I made that way went through fine, but then at some point, every payment I made would initially be approved and then after a few days it gets reversed. They tell me that their records are showing that all of those reversed payments were attempting to draw the funds from the wrong payment account, and they were reversed because that account didnt have funds. I'm trying to tell them this is a problem with their app because I KNOW for a fact that I was seelcting the XXXX payment account, and there must be some kind of problem on their end causing them to try to pull the funds from the wrong account, but they are not believing me..... 

For the month of XXXX, they charged me a nonpayment fee because every payment I attempted to make got reversed. I called to ask them whats going on, and to ask them to reverse that fee since its not my fault they keep rejecting my payments. They told me that all of these rejected payments had been attempting to draw the funds from my capital one checking account, which is NOT the payment account I had selected at the time I made the payment. I advised them of this and, like I said earlier, they essentially called me liar and said this was my fault. They refused to reverse the fee and they didnt even document this technical issue that I'm reporting to them ..... 

I will have proof that this is their error soon because I just attempted to make another payment from the XXXX account. I have a screen recording to prove that I selected the XXXX account when I put the payment through, and screenshots to prove that it is currently showing as a pending payment from the XXXX account. However if nothing has changed then the payment will be reveresed in a few days, and their records will say that it was attempting to draw the funds from the capital one account instead of the XXXX account.
Product: Debt collection

XXXX XXXX is a small lending company that operates in my city. A few years ago, I received a loan from them, and it's been nothing but a nightmare since. 

For starters, the staff at the XXXX office has used abusive practices including demeaning me when I fall even a week behind on my monthly payment. I've been hounded and harassed by their regional managers ( I believe they're called this ) and even been threatened with action against my credit report - even when I was on time! 

I believe fees were unnecessarily put on my account, although I've been denied access to my account to prove such. The amount they purport I owe is almost as much as I borrowed - almost two years later. 

Yesterday, XX/XX/XXXX, I received an alert by XXXX XXXX that a " civil action '' entry was put on my credit report - and there are NO open cases in XXXX County, Indiana which was initiated by XXXX XXXX. This is an abuse of power to harm my credit. 

Today, XX/XX/2018, I received an alert from XXXX XXXX that a hard inquiry was made on my credit file. I have not applied for a XXXX XXXX product, and there is no permissible purpose for pulling my credit as a hard inquiry. This has done unnecessary damage to my credit report, and I will be seeking redress for this. 

I wanted this complaint on file with the XXXX XXXX XXXX XXXX. I will be seeking private counsel to take civil action against XXXX XXXX for the damages they have done to my credit report.
Product: Debt collection

I, XXXX XXXX am speaking for myself in this claim. CREDIT COLLECTION SERV is illegally reporting on my account. Cease and Desist all forms of communication. You lack my permission to communicate on any debt pursuant to 15 usc 1692c ( a ). Negative reporting is defamation of character. according to 15 usc 1692k ( a ) ( 1 ) I have the right to collect ACTUAL DAMAGES. this negative reporting on my credit report has cost me securing a new car. CREDIT COLLECTION SERV is extorting me by reporting on my credit for this alleged debt. Cease and desist communication. You will receive a letter in writing via certified mail. To avoid any statements about this not pertaining to CREDIT COLLECTION SERV for whatever the reason, I have include, for your convenience the laws stated. I am entitled to remedy as a federally protected consumer and simply request you remove your reporting or I will full exercise my rights and seek remedy in full.
Product: Credit reporting

I went for a mortgage, and found out that every time one of you does a " hard inquiry '' it affects my credit! That 's absurd! I 'm not putting anything into motion except... Can I get a home! This is so very wrong. No one 's credi should take a hit of any kind when you are trying to buy a home, auto, etc. I ask that all inquiries be taken off my credit report, and a new copy be sent to me via email : XXXXXXXXXXXX. Thank you.
Product: Vehicle loan or lease

I bought a Toyota XXXX  from XXXX XXXX dealership on XX/XX/2020. My dealer 's name is XXXX, he is the finance manager there. When I bought the car he lied to me about the process of buying a car from their dealership. He told me that I would have to just sign a few documents at the time of the purchase and that he'll forward the contract to my address by mail within a couple of days and if I have questions about it he told me to contact him. So he never told me about any optional service agreements other than the gap insurance. So I bought the car on XX/XX/2020. The contract documents never arrived at my address so I called him, emailed him so many times, but he never answered or replied. So I went to the dealership and got a copy for my self and that's when I learned about the optional service agreements. So again I called, texted and emailed him to remove the optional agreements that cost additional {$7000.00} on top of the car price. He never answered or replied to me. Every time I went to the dealership they would say he's on vacation or out or something. After visiting the dealership about 20 times other than calling, emailing and texting about a XXXX times. I finally found him at his office on XX/XX/2020. He agreed to remove the optional service agreements and he gave me a signed paper with a cancelation date. Eventhough it has been almost a year, the service agreements were never canceled. I'm paying additional {$7000.00} with interest for 60 months because he refused to cancel. Please I need help or I'll have to find a lawyer and sue the company and him for fraud.