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

After signing up with Discover in XXXX, I was unknowingly signed up for " Payment protection '' which charged me XXXX for the service. At the time, this was my first credit card and was hardly used. Over the next XXXX years, I used the card sparingly and always kept the amount charged low, resulting in minimal and unnoticed " payment protection '' fees. It was not until the past XXXX years that I began using the card more frequently thus having higher payments each billing cycle. After closely inspecting the most recent bill, I noticed a high charge for the payment protection program. Not having remembered signing up for this policy, I contacted Discover and began researching the fee on the internet. Discover tells me I signed up for it when I signed up for my card in XXXX. I also find out that shortly after the time I would have signed up, Discover faced legal action over deceptive marketing of this policy. During my call with Discover, they were unable to provide me with proof of my informed consent to enroll in the payment protection program. Discover offered a reimbursement of XXXX billing cycles, which I feel is far too little. If Discover faced legal action and made a large settlement payment in XXXX, after I was enrolled in the program, why was I continued to be enrolled? Why was I not notified that I was enrolled in a program that was the focus of such enormous legal action due to deceptive marketing? I feel that Discover was knowingly deceptive when signing me up for my card and willfully negligent following the settlement as they should have reached out at this time for informed consent, fairly and clearly, after enrolling me fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to the credit bureaus and have been ignored for the past 90 days, I have inaccurate information on my credit report and demanded on several occasions that they be taken off. Starting on XX/XX/2020 I disputed inaccuracies with my mailing addresses and names on the account, on XX/XX/2020 I disputed 5 accounts on each reporting bureau and certified the copies and have yet to hear a response, i also enclosed copies of my drivers license, w2 with social and two forms of residency proof and got one letter saying i failed to identify on my address cleanup. I am in the process of certifying another letter with 5 more disputes per bureaus and I am in frustration and am ready to file a law suit against the agencies for the damage of my report. I would appreciate if you can look into this further.
Product: Bank account or service

I can not get my XXXX from BBVA Compass Bank. I changed my address in XX/XX/XXXX and they have the correct address on file. I have been given the run around, mis information and was hung up on. XXXX different Customer Service Reps have stated the XXXX would be received within 7-10 days. I still dont't have it after a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for credit with XXXX on XX/XX/2020 and was approved at the highest interest rate because Equifax is reporting inaccurate information. They reported that I have serious delinquency and proportion of loan balances to loan amounts too high. I have paid my bills on time and have no serious delinquency ; it's hard to have a XXXX credit score with serious delinquency. I am using 13-15 % of my available credit so I need to understand how my proportion is too high. 

I called Equifax on XX/XX/2020 and was unable le to get an explanation from them regarding the report.
Product: Credit reporting or other personal consumer reports

I have received a handful ( 4-5 new ) hard credit inquiries over the past two weeks. All of these are fraudulent. These are the ones that I have been notified on, but there may be some I've missed. I have not performed any hard inquiry in the last year. 

XXXX XXXX XXXX XXXX XXXX ( spoken with company and will be removed next 72 hours ) Inquiry date : XX/XX/year> Reported by XXXX XXXX XXXX XXXX XXXX XXXX  ( spoken with company and will be removed next 72 hours ) Inquiry date : XX/XX/year> Reported by XXXX XXXX XXXX XXXX XXXX Inquiry date : Notified by XXXX XX/XX/year> but could be up to a few days before then Reported by XXXX XXXX XXXX XXXX  XXXX Inquiry date : Notified by XXXX XX/XX/year> but could be up to a few days before then Reported by XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report, I noticed the following accounts being listed that were not open by me. XXXX ( XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) please delete the following accounts as they were open fraudulently.
Product: Credit card or prepaid card

I was issued a Payday loan on a NetSpend card ( this was my 3rd card with them ).  I'd previously enrolled in the " monthly fee '' plan with my temporary card ( $  XXXX/month ), when i was issued my permanent card ( with my name on card, automatically sends by mail ), it got switched to the " per transaction fee '' plan ( from {$1.00} to {$2.00} each transaction including debit or running as credit ). I called the customer service number, after arguing with the man, he reluctantly have me only HALF of the fees they'd taken from me and stated he'd put me on the " monthly fee '' plan again, starting the NEXT day. Which of course, I was charged for AGAIN after already paying {$32.00} in transaction fees ( and only received {$13.00} credit ), I still got charged more! I only had {$6.00} and some change in there, so they pretty much cleaned me out, I called again complained and said I wasn't paying another fee per transaction and the girl told me they can't issue me a refund due to them already issuing me credit the day prior ( mind you for only half ), so at this point I'd paid almost {$20.00} in fees already, I asked for a supervisor .... She placed me on hold after arguing more with me only to eventually hang up on me. I called back stated what happened AGAIN to another man and he continued to put me on hold for over 40 mins which at the point I did hang up. Then to top it off they put me back on the " monthly fee '' plan after that conversation apparently and took ANOTHER {$5.00}. In the files attached you'll see they charged me the " monthly fee '' at some XXXX that morning and shortly after charged me the " transaction fee ''. I asked the girl how this is allowed and she tried telling me it was the " transaction fee '' first, in the file i attached you can clearly see that's not the case. So they charged me in order, a monthly fee when i opened the temp card, when i received the permanent card they switched to transaction fees, then i called and complained getting me to be charged a monthly fee ( once again ), changed to a transaction fee somehow after my 2nd complaint by phone, then ANOTHER monthly fee during my 3rd complaint by phone ... All within a 30 day period. Within the last 2 days alone they took {$5.00} twice, plus almost {$20.00} in transaction fees, one of which was charged the monthly fee then charger a transaction fee the SAME DAY. This is HIGHLY unethical and deceitful. It violates so many laws that were just filled against them in the lawsuit. How is this STILL GOING ON?! Just plain cowardly and irresponsible that the supervisor or anyone from an authorized position would even come to the phone to speak with me. Not an acceptable impression from a well known company ... But then again, they're not well known for how great they are .... They're cheats and thieves who think they're above the law.
Product: Checking or savings account

Closed my account because of the mistakes make by the fact that they were refunded by your returning refunds they were not supposed to. Closed my account for fraud that you were supposed to protect me from. Lied about making a settlement with me because I was in the hospital again and I didn't get the chance to make a decision..
Product: Checking or savings account

Initially I had business account and it was closed by Wells Fargo. When I went in to inquire about my account I was told no one new why. Each time I attempted to open an account I was denied and given an explanation of why I could not open an account with Wells Fargo. XX/XX/2022, I receive a check for {$150.00} dollars as an apology from Wells Fargo for the confusion on their part. I received a second letter urging me to cash the check.
Product: Credit card or prepaid card

I bought from XXXX an auto starter, charger was for starter and core return. I return starter and was only given credit for core return. I did a dispute, which they did nothing, and never even sent me a letter closing it, just recharged me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done XXXX XXXX by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Checking or savings account

I deposited a {$2300.00} paper payroll check from my employer ( the same employer who direct deposits into my account twice a month ) using First Tech Federal Credit Union 's mobile banking app on XXXX  XX/XX/XXXX. The check was placed on a two day hold with part of the funds being released right away and {$1800.00} being placed on the hold. The funds were on hold through the following XXXX XX/XX/XXXX and a representative did confirm they would be released into my account XXXX  XX/XX/XXXX at XXXX XXXX Six hours prior to the release of the funds, four transactions came through my account for {$31.00}, {$49.00}, {$80.00}, and {$89.00}. For each transaction, I was charged a {$33.00} overdraft fee for a total of {$130.00}. This happened six hours prior to my funds being released and while the funds were on hold and visible in my account balance. The representative offered to refund one fee because " that is all he was authorized '' and " this is just how credit unions do business. '' He also proceeded to interrupt me and tell me that " XXXX  XXXX XXXX does this too. '' I am obviously upset at what appears to be a fairly typical practice in the banking and credit union industry. Over the course of XXXX ( during the hardest part of the pandemic ) and XXXX, First Tech Federal Credit Union has charged me over {$2000.00} in overdraft fees, some the same day my paycheck was deposited because of the banking industry practice of entering all debits first and then processing deposits. This is completely unfair. The banking industry, including more " customer friendly '' credit unions make their money off the backs of people who are in the most vulnerable positions. Accepted practices in this industry are appalling and unchecked because " that is how it is done. '' First Tech FCU, I have never asked for a dime back in my $ XXXX overdraft fees you collected over the past year, but today I am asking for all four of these overdraft fees that were taken while my funds were on hold and six hours from release.
Product: Debt collection

on XXXX I sent out a letter to all 3 credit bureaus letting them know I was unaware of there collection. they are affecting my score and by law the bureaus have 30 day to respond back. I not got any response and do not believe that these collations belong to me.
Product: Mortgage

To Whom It May Concern ; XXXX was my previous loan service company. Today, I am being serviced by XXXX XXXX XXXX XXXX XXXX. The issue begins when XXXX sells mortgage to new company, XXXX XXXX. At the time ( XXXX,2017 ), I had made my regular monthly payments in addition to one large principal payment of {$78000.00}. The issue is that the new company, XXXX XXXX, never received these payments and all of the funds that were paid are currently " lost. '' I have been trying to resolve this issue with both companies for over 2 months and have not been able to get this fixed. I ask that you please review my case and help me with my problem. 

In addition, since the funding of accounts were not properly transferred, all recent payments that have been made have charged a higher interest and I would like for a new amortization schedule to be applied from a " true '' cost of funds. In other words, older loan ( XXXX ) was suppose to transfer funds into the new loan ( XXXX XXXX ), therefore my outstanding principal should have been established at {$310000.00} and not at the amount of {$390000.00} ... there is currently a discrepancy of {$81000.00} + additional interest charges that my account is being charged since the loan started at the higher amount {$390000.00} and I have already made a couple of payments to this amount. 

Thanks in advance.
Product: Debt collection

XXXX XXXX with Arco Collection Services in XXXX TN is harassing me. She has been calling me several times a day for weeks now, and I have called her back and told her to stop calling me. She has continued to harass me and has now escalated to involving my employer. She contacted them on XX/XX/22 and asked for my personal information and employment verification. When she was told she would need a signed consent for them to speak to her, she provided a forged document to them immediately, withon just a coyple minutes. My HR was so suspicious of it that they called me! She is also, as of today XX/XX/22, calling and harassing my coworkers, calling the line that is for our patients to call in and be helped on. She has refused on these calls tp my job to provide any information on who she is or why she is calling, but demands information about me. She has been asked to stop calling ( all of this on a recorded line ) and refuses to stop. This behavior is unprofessional, ILLEGAL, and not to mention alarming and cause for concern for her mental wellbeing. She is complained about in every comment or review of this company that I found today online, complaints, and there were tons. I have the email with the forged document attached, it was forwarded to me by my Human Resources dept.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do NOT have a signed contract nor any contract with XXXX. I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC aftidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.
Product: Credit reporting or other personal consumer reports

Dear XXXX I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, I sent for my free annual credit reports. I received XXXX and XXXX, but nothing from Equifax. 

XXXX XXXX, XXXX I was denied for a loan based on information in an Equifax report. I finally spoke to someone on XXXX/XXXX/XXXX, explained what happened and again requested a copy of my Equifax Credit Report to correct any wrong information they have. I was given confirmation number : XXXX Still, I have not received anything.
Product: Vehicle loan or lease

As of today XXXX XXXX, 2017 I am currently in debt to Ally financial for the sum of XXXX I admitted that because of my bankruptcy and other issues that have occurred hospital bills, etc I was unable to stick to the agreed upon amount initially, although I have been in contact with the lender the only option that I have to make payments was disabled and they are currently attempting to repossess the vehicle. I advised the supervisor last week the vehicle does not run nor is it driveable and I just wanted to resolve the issue so that I can clear my credit. I was advised they would continue repossession attempts and then the account would go to the charge off department if they could not collect since I did n't have the full amount. I called Ally financial today to inquire about the location of my loan the rep that I spoke with initially I am unaware of her name she became rude and irate stating that since I was refusing to give the car back they were going to take legal action. I explained to her that was not what I had been explained last week and I was not refusing anything the car did n't work anyways I just wanted to pay my debt I was transferred to the supervisor who was out until XX/XX/XXXX I then called back got XXXX who advised my account was in the legal department because I refused to surrender the vehicle I then explained to her over a period of five minutes from terminating the last call my account was moved none of this was making any sense to me I repeatedly asked her where the account was located currently she advised me the charge off option was not an option for m since I refused I then advised her again that I was not refusing anything I simply want to pay off the truck and try to work out this matter no I do n't have XXXX to hand over currently but all options for form of payment for me have been cut off by the provider I ca n't make an online payment with my debit card or anything. At this point I have to wait for the supervisor to come back or for my account to move on it 's on because no one is willing to accept my payments. Is this normal for a car that does not run for a creditor to be so rude and try to belittle you? I am only wanting to make payments but they are absolutely like payment in full or nothing. I do n't know if hey have followed the direct channels in this matter my account was not accessible through out this entire time period online for me to make payments and I only made two payments online because I was never told how to make payments online for bankruptcy individuals. I was only allowed to go to western union which is only accessible outside of my work hours. Please help me to resolve this matter or look into this matter so that other consumers do not get treated the way XXXX treated me.
Product: Mortgage

I became aware that SELECT PORTFOLIO SERVICING INC Also know as XXXX, SUCCESSOR TRUSTEE TO XXXX, XXXX, AS TRUSTEE XXXX OF STRUCTURED XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MORTGAGE PASS-THROUGH CERTIFICATES SERIES XXXX with the aide of XXXX filed a fraudulent ASSIGNMENT OF DEED OF TRUST with the Recorder of Deeds for XXXX know as instrument number XXXX. This document has forged signatures for a XXXX XXXX and forged signature for a notary XXXX XXXX XXXX that also has a fake internet purchased notary stamp. I do not have a contract with these people and I am requesting that the CFPB start to investigate this criminal matter.
Product: Debt collection

Below is a complaint submitted in the response. XXXX XXXX XXXX company Viking Billing Service has not refunded the cost I was forced to incur because of their harassment. 
To : XXXX XXXX XXXX Customer Service. Email : XXXX Subject : Rental Car Complaint Re : {$210.00} + {$960.00} fraudulent charges Rental Info : Renter XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX, Ph : XXXX, Email : XXXX. Rental Agreement # : XXXX, Pickup Location : XXXX XXXX Texas, Pickup and Drop-Off Date XXXX. 
Dear XXXX Customer Service Representative, This complaint is being directed to you because your Emergency Roadside Assistance program ( billed XXXX card {$210.00} ) and your Viking Delinquent Billing Service ( billed me {$960.00}, image 1858 ) collectively charged me for {$1100.00}, from XX/XX/XXXX through XX/XX/XXXX, before admitting and dropping the fraudulent charges despite XXXX to XXXX written communiqus telling ( detailed below ) them that these charges were fraudulent. This XXXX activity forced me to protest this behavior by engaging my insurance XXXX agent ( claim # XXXX ), my Politicians ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX Consultants who has billed me $ $ XXXX ( see images 1861 & 1864 ) which I am requesting XXXX to reimburse for. My XXXX XXXX XXXX and my Politicians advised me to send this complaint to XXXX customer service. 
Background On XX/XX/XXXX, I rented a Red XXXX XXXX XXXX from the XXXX XXXX Texas location via my XXXX insurance rental agreement with XXXX. At the time of pickup vehicle had multiple major scratches and 6-7 hail dents which were documented ( see image 1859 ). Twice during the rental the vehicle would not start and roadside service made one call to start the car and at that time we requested a receipt but was told no receipt would be given. Store manager XXXX, checked XXXX and XXXX XXXX XXXX but found no record of the roadside service call. On XX/XX/XXXX, the vehicle was returned and accepted by store manager XXXX XXXX agent # XXXX ) who documented that the car had NO additional damage via XXXX printed statement ( image 1860 ) and that the pre-existing accident damage had been previously reported/filed under RA # XXXX ( see image 1860 ). All of the above was REPEATEDLY presented via XXXX emails ( see images 1885> 1893 ) to XXXX Customer Service XXXX XXXX Viking Billing Service and XXXX XXXX XXXX XXXX But It Was Ignored. 

On XX/XX/XXXX, I received a letter ( image 1894, unmarked envelope ) from Viking Billing Service stating This letter has been sent to confirm that the above referenced claim has been closed. Thank You for renting from XXXX XXXX XXXX XXXXXXXX 

Again, this letter ignored/disregarded the massive amount of WORK and EXPENSE that we were FORCED to endure because of the fraudulent conduct perpetrated by these XXXX representatives XXXX 

Also again I am requesting XXXX XXXX XXXX XXXX & XXXX XXXX Viking billing service to reimburse the $ XXXX bill that I was forced to incur due to all of the above. 

Thanks in advance for your reply via email or mail XXXX XXXX
Product: Credit reporting or other personal consumer reports

Requesting the removal of below unauthorized credit inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX