23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt. 
Account Number : XXXX Please remove it from my credit report. 

2. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt.

Account Number : XXXX Please remove it from my credit report. 

3. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt.

Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX # XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Checking or savings account

I received a XXXX XXXX  from Citi about a promotion they are running. The terms were roughly as following : - open an account by XX/XX/year>, and make 2 qualifying enhanced deposits and you will get a cash bonus. 

I signed up and was approved. I also received an email confirming as such from Citi. 

I called in today to confirm that I am enrolled in this offer, but to my dismay, the representative both via chat and over the phone told me that there is no promotion offer attached to this account. 

I asked them to fix this, but they refused to rectify the situation. Bait-and-switch, this is a deceptive practice ; in other words, a scam. I would like to report this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I sent them the latter and they have not removed this unauthorized inquiries
Product: Consumer Loan

My Mother In Law and my husband have an outstanding debt for a vehicle. However, the company calls from Exeter Finance phone numbers and from XXXX XXXX 's all day long. They call about every 30 minutes starting at XXXX until XXXX. I feel as if this is a form of harassment. If the company were to call a few times a day, I could understand. They are collecting a debt. I get it, but to call repeatedly throughout the day is unwarranted. I 'd like the excessive calls to end. And, for a reasonable amount of calls to resume.
Product: Credit card or prepaid card

We booked our trip with our American Express Platnium Travel to XXXX. We were on the XXXX XXXX from XXXX XXXX to XXXX XXXX and needed to get back to the United States due to the Covid-19 situation. We called American Express Travel and were on hold for a total over 2 days 412 minutes. The long hold time, incurred a {$1200.00} dollar phone bill with XXXX. I called American Express Platnium to discuss some payment reduction through Amex point system to help with the high XXXX  payment due to their travel department not answering. The whole reason one uses the platnium card and pays the extremely high annual fee is for the services you get as a card holder and the services you get from the Amex travel. This time Amex did not provide the services and because of their inability to do their service correctly, I incurred a {$1200.00} dollar bill. XXXX charged {$290.00} per minute. I spoke with the representative and a manager at Amex on XX/XX/2020. They refused to give any refund except {$100.00}. The calls made were on XX/XX/2020 and XX/XX/2020 and I have included the information in the documentation. I have been an Amex Platnium member for over 20 years. I cancelled the card on XX/XX/2020. American Express is not what they used to be, they should be ashamed and they should pay the {$1200.00} for their lack of holding up their end of the contract for a platnium member. They take {$500.00} a year for platnium and they charge {$39.00} a ticket to use their service, however they neglect to hold their end of the deal.
Product: Debt collection

XXXX originally charged me {$74.00} for a service last year. I originally disputed this bill on XXXX. ( screenshots of my chat with XXXX  attached ). I cancelled my service with them on XX/XX/XXXX and returned the retened equipment, as of that point I could no longer use the service they provided. However, they decided that I had to pay full price for the service that I could no longer recieve. When I disputed the charge they told me it was a subscription and I didn't have a choice. 

Since then XXXX sent the bill to a debt collector, I.C. System Inc. I have spoken to them multiple times and informed them of the situation. I offered to pay the amount up until the cancelation date if they would consider the debt collected in full. The collector agreed over the phone and accepted payment of {$42.00}. 

Dispite this, I am still getting letters from the debt collector asking me to pay the remaining balance.
Product: Vehicle loan or lease

Paid off an auto loan on the XXXX of XXXX due to finding a buyer for my vehicle on the same day. Bank of Hawaii took a very long time sending the title. They did not send it until the XXXX or XXXX of XXXX. As of today XX/XX/2023 I have still not received the title. Bank of Hawaii representatives were not able to help me or send the original because they claimed that the title of the vehicle already has been sent. I had to figure out on my own that the original title may have been lost in the mail. No options have been given to me other than finding out once again on my own that a 'Lein release letter ' was the last option. This bank was incapable of helping me on that either!

Days turned into weeks, and weeks turned into months. Just completely ridiculous for something that is simple. Meanwhile I ( The seller ) and the buyer are subjected to DMV fines in the hundreds due to neglect from this bank. I WILL be suing this Bank on the side! 

How is it that a financial institution is so quick and effective to bill and charge their customers but when it comes to things like this they are either very slow or they come up with multiple excuses and processing times .... Not professional and there is no answer that they can give that would make it right, It would probably be another run around.
Product: Debt collection

Sadly due to the downturn in the ecomony and loss of job we fell behind on our Discover card. Discover wrote the debt off as a write off. 

This XXXX we received a summons to respond to a court filing about this debt. We were not given a case number and we were told in the paperwork not to show up to court but rather to file an answer. Of course the paperwork also asked us to resolve the debt if possible and the paperwork from this random collection agency also stated they would help us to resolve it. 

Along with these requests we informed the agency that we live in an area that does not received USPS mail and provided them with our mailing address. We had not received any communications from them prior to the lawsuit being filed. 

We attempted for 2 months to contect them using every option available. We called, we emailed, we submitted requests through their website, we faxed them, nothing. We did file an answer with the courts and asked for an extention so that we could work this out with them. We received nothing. 

That was until a wage garnishment happened. Now, we are stuck with a wage garnishment, and we are happy to pay off the debt, at this point we have no other choice, that is until we can obtain legal counsil and begin litigation. 

The amounts that they are garnishing us for is NOT being accuratly accounted for by the collection agency. In addition, I've asked to mailed a statement so we can understand why they are not appling the funds correctly. We are and have been prepared to pay this debt in full but they refuse to communite with us, nor will they respond to our requsts. 

Example - Starting Debt was {$9100.00} To Date Wage Garnishments - {$1500.00} Payment Directlty to them - {$5000.00} Total outstanding {$2600.00} Accounding to their website today it is {$3600.00} So again, missues to funds and not being applied to the account. In fact they have only applied the additional payment and have not applied any funds received via almost 2 months of wage garnishments. 

I log in to the account weekly, and update our mailing address, they the debt collector continue to change it back to our physical address. I have emailed, I have faxed, I have called them and they refuse to update our information nor will they send us information about this current debt to a location that we can receive it at. This has been going on for months and there appears to be no end in site. Please help us!!!
Product: Checking or savings account

This has been an on going issue with XXXX I originally filed a dispute back in XX/XX/2022 Im regards to unauthorized charges that fall under regulations E. Guidelines well according to this XXXX never investigated the dispute in the first and documents requested for the decision of this out come show that XXXX is not investigating anything and instead is f protecting customers and investigating issues XXXX has been going against they very own customer I also find they said I had card I originally said No I dont see any of the documents that I sent to support my claim which documents was in fact provided
Product: Credit reporting, credit repair services, or other personal consumer reports

After my information was leaked in the XXXX data breach I've been a constent victom of fraud. Listed below is my FTC report listing all the fraudulent inquiries that were not authorized by me.please delete all inquiries, they're not authorized and are fraudulent. XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, we ( my wife and I ) went to a Timeshare presentation provided by XXXX in XXXX XXXX by XXXX. 

XXXX. When the presentation was finished, we told the sale rep that we were not interested, and were just there for the gift. The sale rep played this game where she said okay, since you are not interested, let 's go ahead and finish the process and they can let us out of there with our gift. She went ahead with her tablet, asking us to put in our social security number and sign. I had a doubt, so I asked : " Are you performing any kind of hard pull ''. She said no, that was just for qualification check. She didn't say what qualification, therefore, based on what she said, we were just assuming she needs it to qualify us for the gift to get us out. 
Please note that in this whole process, she never even mentioned XXXX world called " credit card ''. Soon enough, we saw a hard pull on our credit. A few days later, a new credit card was made in our name. 

XXXX. Sure enough, we went on XXXX and search for this XXXX and found : Countless of people had the same problem where they applied for a credit card and performed hard credit check by tricking people. Please note that with a brand name behind their back ( XXXX ), it is very easy to trick people by manipulating their decision making. For example, If I go to XXXX Bank today to open a checking account, and If I have never gone to a bank before, XXXX could easily apply a credit card for us by telling us to provide SSN and ask us to " sign here '' in their tablet. Nowadays everything can be done electronically, and the signature page is only at the bottom or the last page. Therefore, they can just present us the signature page ( which is what XXXX did to us, they only shown us the signature page asking us to sign to be done ), and we are tricked because we think XXXX is a big company and they wouldn't do that. 

XXXX. Please note that this complaint is about fraudulent activity that XXXX did to manipulate and trick people to sign. This is proven by countless XXXX reviews from different time and clearly, it is not a coincident that many people had the same problem. XXXX knew about this and purposely did this to trick people to apply. We are applying for a loan, and I have more than XXXX credit cards in my name already ( with 0 % utilization ). I clearly know when I want to apply for a credit card and there is absolutely no reason or incentive whatsoever for both of us to apply for XXXX credit card there.
Product: Debt collection

AmSher Collection Services has reported a collection account to my credit profile. They are reporting that I lived at XXXX XXXX XXXX XXXX, NC and have a delinquent account with XXXX XXXX for {$70.00}. My correct address is XXXX XXXX XXXX XXXX, NC. I have provided AmSher with a copy of my lease agreement and a statement from XXXX XXXX for my correct account that both prove my correct address. I have requested multiple disputes with AmSher but they refuse to delete the erroneous account. Most recently, I sent a request for account validation which was ignored by their company. Instead of responding to my request, I received instructions to claim identity theft. Their request for me to claim identity theft would be both immoral and fraudulent and I refuse to complete the documents they requested. I am not a victim of identity theft, I am a victim of a debt collection agency refusing to correct inaccurate reporting.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just look at my credit report again and according to 15 USC 1681e ( b ) you are supposed to provide MAXIMUM accuracy of my credit report. 

THESE ARE THE ACCOUNTS 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 ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX # XXXX I just got my credit report on XX/XX/XXXX and noticed some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ).

They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ). At this point I believe they are doing this on purpose. According to 15 USC 1681e ( b ) 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. 
They must be XXXX because everything is inconsistent.
Product: Checking or savings account

When Chase acquired First Republic Bank, my checking account transferred over. The First Republic checking account had a minimum of {$3000.00}. I read the documents for the new Chase account but did not see minimum balance requirements. After several months of the account being open, I started getting charged fees. Apparently, the account that they automatically opened for me then had a minimum balance requirement of {$15000.00} - dramatically different than the First Republic product I was using.

Chase allowed me to change my account to a lower tier product, but only refunded one of the service fees charged as a result of not carrying a {$15000.00} or greater balance.
Product: Credit reporting or other personal consumer reports

My student loans were transferred to XXXX from Nelnet as part of my public service loan forgiveness. The loans were successfully transferred but upon transfer resulted in duplicate reports on my credit report. The same loans appear on my credit report for both Nelnet and XXXX. Essentially doubling the debt owed. Dispute was opened with XXXX but was not settled satisfactorily. Nelnet account shows balance as XXXX however they continue to report the prior balance to the credit bureaus. Loans have long been transferred to XXXX and forgiven and still appear. Dispute did not result in accurate reporting. XXXX was provided statement showing XXXX balance and dept of education statement reflecting XXXX. Nelnet provided outdated information.
Product: Credit card or prepaid card

capital one give me hard time someone used my name Card opened as result of identity theft or fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday I received a notification that I had a new inquiry on my credit report. I purposely added a fraud alert on all three credit bureaus a few months ago to avoid this from happening. The credit bureaus are out of control right now and do not care about us consumers. I did not authorize anyone to run my credit for any reason yesterday. The following fraudulent inquiry need to be removed immediately. They are violating my privacy rights by just letting anyone pull my credit. XXXX XXXX XXXX - XX/XX/XXXX. Secondly, XXXX is the XXXX. I have constantly complained to them that I had inquiries that I did not authorize. I complained sooooo many times and they do not care!!! The following FRAUDULENT inquiries from my XXXX report need to PROPERLY investigated and removed IMMEDITALELY!!! # 1- XXXX XXXX XX/XX/XXXX # 2- XX/XX/XXXXXX/XX/XXXX, # 3-XX/XX/XXXX XX/XX/XXXX, # 4- XXXX XXXX XXXX  XX/XX/XXXX # 5- XXXX XXXXXX/XX/XXXX, # 6- XXXX XXXXXX/XX/XXXX # 7- XXXX XXXXXX/XX/XXXX, # 8- XXXX XXXX XX/XX/XXXX # 9- XXXX XXXX XX/XX/XXXX, # 10-XXXX XXXX XX/XX/XXXX# 11-XXXX XXXX XX/XX/XXXX, # 12- XXXXXX/XX/XXXX, # 13- XXXX XX/XX/XXXX
Product: Mortgage

Fifth Third states the compliant appears to be a duplicate and then consumerfinance.gov accepts this at face value and closes the complaint. 

Fifth Third is not using my home owners policy with XXXX XXXX, which I paid in full, the annual premium in XX/XX/2018, totaling {$900.00} when Fifth Third calculate my escrow costs. Fifth Third uses a figure of {$1600.00} and I can not determine how they are allowed to use this inflated amount to insist I pay an inflated amount instead of the actual costs of home owners insurance for escrow. I spoke to XXXX in Fifth Third 's insurance division and they now my homeowners policy is with XXXX XXXX and they know the annual premium was paid in XX/XX/2018 for the full amount due of {$900.00}
Product: Debt collection

Received letter from XXXX XXXX XXXX forwarded to my new address. I do not live in XXXX XXXX stating my wages would be garnished for a total garnishment claim of {$3100.00}. Letter stated I had 45 days for an answer. I paid Aldridge Pite Haan a few days later for the exact amount on the letter. After paying the next day I called Aldridge Pite Haan because I did not get a receipt and I wanted them to send a letter of stop garnishment. Spoke to a representative that told me I had to pay more money because interest is daily and they would not stop the garnishment. Despite the total garnishment claim being {$3100.00} which I paid. They also told me they would not stop the garnishment until 45 days later stating there were rules. That week my wages began to be garnished and continue to be. I still have not received receipts a letter of stop of garnishment nothing in reference to this account other than what they sent to the courts despite the updated address I provided them I have also sent Aldridge Pite Haan e-mail communication two weeks ago which still remains unanswered.
Product: Mortgage

I was recommended to XXXX XXXX Funding for a XXXX XXXX FHA loan. When I visited another lender to look at refinancing options they noticed an excessive loan origination fee. The new lender showed me near the bottom of the closing cost page that the original lender XXXX XXXX XXXX had charged me so much that they had to credit me {$2300.00} because they were already over the legal limit. I questioned my loan originator about the amount and was told this is typical for this type of loan. I was told from multiple other companies this was an example of predatory lending and it gives the industry a very poor reputation. XXXX XXXX was my loan originator with XXXX XXXX funding NMLS # XXXX.