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

I believe Rushcard is scamming customers again. I tried to use my RUSHCARD on XX/XX/XXXX about XXXX. My purchase declined although my direct deposit had just been posted. I called Rushcard customer service right then in XXXX at the checkout counter. An agent told me my card had been locked on XX/XX/XXXX due to suspected fraudulent activity. No one contacted me to tell me about the account lock. The agent says they called, texted and emailed, but I never received ANY type of communication from them. They said they were unable to transfer the funds to my wife ; s Rushcard and the only thing they could do was send me a new card to be activated. This takes 7-10 business days and I ca n't wait that long for my money. They said they could send the card with 2 day shipping, but there would be a {$30.00} charge. I refused to accept this and asked for a supervisor. The supervisor told me they would waive the {$30.00} fee since I was upset. I called them back this morning to make sure my card was getting sent out. The agent got a supervisor on the line because the card had not been sent out yet. The supervisor told me they can not waive the {$30.00} fee so I had to pay {$30.00} to get my new card sent to me. I was told the card would be sent out today and arrive by Thursday. However, at this point, I have no trust in their word whatsoever.They have no right to charge me for this. If I had known on XX/XX/XXXX that the account was locked, I would have had time to get the new card before my direct deposit on XX/XX/XXXX. Why would they lock my account and not send a new card right away? I plan to cancel my account as soon as I can get my money out of it. Please investigate this business as I know they wrongfully locked customers accounts in 2015. I have not seen any type of fraudulent activity on the account whatsoever so I fell like this is a cover story for their mistakes. To put the icing on the cake, Rushcard was able to deduct their monthly fee while the account has been so called " locked '' and unable to withdraw from. Due to this issue, I am unable to buy groceries or pay bills for my family. I have XXXX children and a wife to provide for. There is over {$900.00} in my account and I ca n't access it until I receive a new card by mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVED! 
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: Consumer Loan

CashCall is an illegal payday loan. It is being sued in court. I am wondering should i still be repaying my loan if its illegal
Product: Credit card

I am unable to log into my Chase Amazon cred account. ( I also could n't apply my promised rewards to my amazon purchase ). I can not logon and see my bill, so I called customer service. They told me I owed {$3900.00}, which I paid on XXXX XXXX. I did n't want to deal with this credit card anymore, so I paid it off. I called back on XXXX/XXXX/17 because I still could not log in and wanted to make sure I did n't owe some small amount that would end up on my credit report or have a positive balance that I was never refunded. I call customer service who told me I overpaid by {$220.00} and they could direct it back during business hours. The service agent transferred me to a manager. I got a customer service manager in " Central FL named XXXX ''. He told me he could n't tell me his last name or employee id #. He still could n't get my online account to work. He told me that they could not direct deposit my money back. This is fraud. I ca n't access my account, they ca n't fix my account, and they wo n't immediately refund the money they fraudulently collected.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I completed my first time homebuyer program. When the counselor pulled my credit we found out that I had in my credit more than 19 accounts that don't belong to me. Immediately I contacted the 3 bureau and asked them to remove the information from my credit report. We sent a package with my drivers license, copy of the credit report, ITIN letter from the IRS, and the police report.

After sending all the mentioned information we call the 3 bureaus and they told me that they didn't have any records or information on my name in their system.

As you can verify in my credit the names and date of birth didn't match with my ITIN and Drivers License.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> Experian and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on.
Product: Credit reporting or other personal consumer reports

I gain a free copy of my credit report from XXXX and I noticed that my XXXX XXXX account is reporting my account as closed. 

I would not have known my account with XXXX was closed had I not checked my free credit report because the company did not alert me before they updated my account status as closed. The only notifications I have been receiving from XXXX XXXX upcoming due dates or past due dates prompting me to pay my bill. They have been sending me my bill statements via email, text and mail since XX/XX/2022. 

At no point has XXXX informed me that they would be reporting my account as closed when I have just had their card for one year. I explained to the company that my business income fluctuated tremendously this year and I did not make as much money in the last few months. I had to make adjustments to catch up and now I am able to pay in increments to get my bill back under control. 

Due to the lack of communication with XXXX  in reference to closing my account I feel this is an inaccurate report without resolving it with me, the consumer, first. 

I would like to see XXXX reopen my account and update this status on my credit report.
Product: Credit card or prepaid card

They have reported my account as charged off but I am making payments
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX XXXXXX/XX/year> XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Affilliated Acceptance is a collection company that had tried to contact me in order to have me pay a debt that I was unaware of, thanks to having a gym membership that charged to a card that was closed for fraud activity. I had also cancelled said gym membership. Despite this, the gym continued to attempt to charge me for several months ( without contacting me for anything ) before finally pushing to collections through A.A. This collection company never reached out to me about this entire process. They never tried contacting me via mail, or phone or email, for months, until I found their account on my credit report months later. Upon notice of my outstanding debt, I called them that day, and I paid it on my next paycheck. After speaking to the company about why I was never notified about why I was never contacted regarding this debt, they explained that they had the wrong email address for me ( they had put the letter " XXXX '' instead of the letter " XXXX '' ) and all contact was sent to an email that was n't mine. Before this event, I had never missed a payment on any account, and had a perfect track record of on time payments. My score dropped substantially, and all of my financial plans have been brought to an abrupt halt.
Product: Student loan

- XX/XX/2023 received an email notice from Nelnet that my student loan had been transferred from Great Lakes to Nelnet. At this time, though, by student loan balance was {$0.00}, as it had already been paid off. 
- XX/XX/2023 I checked my credit report via XXXX XXXX and saw several increases in my student loan balance, reported by Nelnet. Between XXXX to XXXX, the balance went to {$350.00}, then to {$410.00}, to {$2000.00}, to {$3400.00}. 
- When I tried to log into my Nelnet account, I received the message We do not have a current, valid email address or phone number on file for you to send the authentication code to, despite proof that they already have my correct email address ( hence their original email to me ) and my phone number has not changed. 
- There should be absolutely no balance owed on my student loans, and certainly not over {$3000.00} after only 3 months of student loan payments starting again in XXXX.
Product: Bank account or service

Despite repeated phone calls to TD Bank, complaining that reordering transactions from High to Low, has resulted in hundreds of dollars of overdraft fees, I was told that I did not " fully opt out ''. 

I do not understand. They wanted me to listen to a recording and " consent '' at the end. Yet, their recording stated that I may still be charged {$35.00} per transaction, even after I sign up! I immediately denied this and I can prove this because I recorded the conversation. This is lawful because I live in New Jersey, which is a one party state. 

I also read that despite TD Bank paying a {$62.00} XXXX dollar settlement for reordering transactions, they continue the practice to this day. TD Bank remains the only bank who still reorders transactions from High to Low. 

I 've tried several times to work this out with TD Bank, to no avail. This is horrific and this predatory practice preys on those who, like me, live paycheck to paycheck, for they know we are also the least likely to fight back. We are unable to close the account with a negative balance yet unable to pay. Meanwhile, they continue to add fees and it feels as if I 'm in TD Bank Prison and I 'm unable to break free. There are two proposed class action lawsuits filed against TD Bank this year alone and one of them is for -- you guessed it -- excessive fees. The other is for their coin counting machines. In my humble opinion, TD Bank has engaged in the predatory practices of Bad Faith and Breach of Contract and it is no accident that the most damage has been levied at those least able to fight back : the working poor. This is unconscionable and they need to be held accountable. Please help us. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax, XXXX and XXXX have a negative report on my credit report which is fraudulent to pg and e colected by affiliated group for {$370.00} .... not my address and my pg and e bill is up to  date at my home address,,, they used my social security number to open the account affilitated group account number is XXXX
Product: Debt collection

The debt of {$110.00} was paid directly to the medical provider. I mailed a letter stating that to the debt collector. On XX/XX/ I called the number listed on the debt collection letter and the number did not work, so I am unable to confirm the receipt of my letter or to speak with a real person to explain that the debt has been paid. It seems unfair to list a number that does not even work. 

RevMD Partners LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is attorney XXXX XXXX XXXX, I contacted XXXX XXXX XXXX to help with a pro bono case in which I 'm representing a relative who has experienced a financial hardship. XXXX XXXX XXXX required that I file a power of attorney with the bank prior to discussing any of my client 's account information. Thus, I filed a power of attorney. 

It has now come to my attention that XXXX XXXX XXXX has improperly added me without my consent as an authorized user on my client 's account in question ( XXXX ). I did not authorize and or provide my social security number, but was just alerted that the account in question is now appearing on my personal credit profile. I was just denied refinancing on my mortgage because of this unauthorized credit reporting by XXXX XXXX XXXX. 

It is my opinion that XXXX XXXX XXXX has violated the Fair Credit Reporting Act. I require that XXXX XXXX XXXX immediately remove this information from my credit profile. It was explicitly clear in my power of attorney letter to XXXX XXXX XXXX that I represented my client specifically as to the financial hardship with the purpose of resolving past due payments, and at no time did I request to be added as an authorized user. I believe XXXX XXXX XXXX 's operational procedures are skewed and that one of  the front line agent 's improperly added me as an authorized user and subsequently damaged my credit profile. 

Again, my communication with XXXX XXXX XXXX was very clear that I was ( 1 ) representing my client in attempt to resolve a financial hardship and ( 2 ) did not provide any consent to be added as an authorized user. I want to bring this to the attention of the CFPB, as I believe there are operational issues within this bank, that can lead to violations of the Fair Credit Reporting Act.

I will also be invoking any legal rights I may have in pursuing damages outside of this complaint process, not limited to but including litigation.
Product: Debt collection

I am writing to formally bring to your attention a concerning matter I have recently encountered. 
On XX/XX/XXXX, I received a voicemail from a purported legal dispatch department regarding a non-payment issue dating back toXX/XX/XXXXXX/XX/XXXX with CitiBank-CreditCard. The message threatened property XXXX at XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, if I failed to respond. Furthermore, I was informed of potential court subpoenas and property XXXX in the absence of action. 
Understandably alarmed, I immediately contacted CitiBank to verify the authenticity of these claims. However, neither the collections nor the recovery department at CitiBank had any record of this alleged debt, nor did they possess any information related to my Social Security Number, even though my account was sold to another debt collection department, they also have no information, including my SS #, especially considering the statute of limitations has passed since the incident. 
Upon further investigation, it became evident that this communication XXXX be a scam. The entity claiming to represent XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX, provided me with the following details : Case Number : XXXX Original Creditor : CitiBank-Credit Card Amount Alleged : {$10000.00} Proposed Settlement : {$6200.00} Given the gravity of these threats and the lack of corroborating information from CitiBank, I am deeply concerned about the legitimacy of these claims and the methods employed by XXXX & XXXX XXXX I seek your urgent intervention to investigate this matter thoroughly and provide clarity on the validity of these assertions. 
Please acknowledge receipt of this complaint at your earliest convenience and provide me with guidance on how best to proceed to resolve this issue promptly. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was disclosed to a third party without my permissible purpose! 

As per the FCRA, as a Federally Protected Consumer, I am now OPTING OUT of ANY and ALL Authorization ( s ) that I, XXXX XXXX XXXX, may have given the data furnisher ; whether written, unwritten, verbal or non-verbal as per : 12 CFR 1016.7 ( a ) ( 1 ) ( ii ) - Form of opt-out notice to consumers ; opt-out methods 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information ***This Opt-Out Authorization is effective IMMEDIATELY and INDEFINITELY!
Product: Credit card

I received a bill for a purchase that I didn't receive any goods or services. I immediately contacted Boeing employees credit union many times in writing and several phone calls asking for this fraudulent charge to be reimbursed to my credit card. Becu has not returned my money becu has not sent any proof that this is a valid debt. I have asked several times this is fraud and the bank knows it and has no signature or contract.
Product: Credit card or prepaid card

During the covid 19 pandemic my work hours where cut and i was struggling with paying all my bills. Credit cards, House, Car etc. so i had to pick and choose what bills i was paying that month. 

Bank of America card, was hit the hardest i was making my payments all of XXXX, XXXX XXXX is when i started to have issues with paying it. all my cards are now managed by a company and being paid on time. i would like to remove all my late payments for this account as it was due to the pandemic, my account was in good standing before the pandemic and remains to be paid monthly now. 

XXXX XXXX Credit Card, that was paid late due to the pandemic XX/XX/XXXX and XXXX XXXX account was in good standing before pandemic and is currently still getting paid by a dept management company monthly. 


as you can see on my credit report, all bills are no longer being paid late, as the only time i had to pay them late was due to the pandemic. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent certified letters to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. The letters were received on XX/XX/XXXX ( XXXX XXXX XXXX ) and XX/XX/XXXX ( XXXX XXXX XXXX ). I disputed their claim that I owe them these debts and asked them to validate the accounts they are reporting to XXXX, Experian and XXXX. It's now XX/XX/XXXX and I have not received any response from either company by mail, email or any other type of notification. Under The Fair Debt Collection Practices Act 15 USC 1692g, Sec. 809 ( b ), I have the right to request validation of debt they say I owe them. Both Companies have failed to validate the debts and provide the information I requested in my letters. See attached letters and certified mail receipts.
Product: Other financial service

BackGround : I provided a real estate agent with XXXX cashier 's checks to help my son move into an apartment. Both checks were made payable to the apartment management company. The agent rented the apartment to someone else. I made an inquiry to my bank about the checks and they told me they had been paid. 
I contacted the apartment management company to ask them about the situation. They knew the agent, but had no knowledge of the checks and never received the funds. The bank was able to obtain copies of the checks and from them they determined the checks had been negotiated in a Citibank branch without having been endorsed on the back. 
I wanted to find out who had received the funds so I initiated a fraud inquiry through my bank. The apartment management company, the " Payee '', returned a notarized affidavit to the bank, which, in turn, contacted Citibank to ascertain who negotiated the checks, and into what account the funds were deposited. 

Issue : Citibank refuses to respond to the Fraud Inquiry from my bank.
Product: Vehicle loan or lease

I leased a new XXXX Kia XXXX on XX/XX/XXXX and have made all payments on time. On XX/XX/XXXX I was hit while driving on the freeway in a 3 car accident that resulted in my car being totaled by my insurance company. At the time of my accident I was not in default of my lease. 
Since the Car was totaled, Kia Financal infomed me that at owner of the vehicle, they were entitled to XXXX percent of the insurance proceeds. The amount the insurance company offered, the XXXX of the vehicle, was determined to be {$43000.00}. However, the early termination payoff amount from the Kia Finance website on that date was {$35000.00} giving KIA {$8100.00} gain from the excess depreciation I had paid during the course of my lease. In addition the payoff included an additional {$3300.00} in sales tax. 
On XXXX XXXX I exercised my option in the lease agreement ( paragraph XXXX ) to purchase the vehicle before maturity, making me now the owner of the vehicle. I sent payment of {$39000.00} to Kia Finance via their web portal. This purchase option ( before XXXX ) was unrestricted and only conditioned upon me not being in default. 
Kia refused to send me the title to the car claiming my contractual right to early payoff of the lease was not applicable when the car was totaled, even though no such language exists in the lease document. 
In addition, since the car was totaled, I informed KIA that sales tax on the transaction was not applicable and asked for a full refund of the {$3300.00} that was included in the pay off number. Note that in the settlement offer with my insurance company KIA did not charge sales tax because this was viewed as a financial transaction for insurance purposes, not a resale of a car since the car is now a salvage vehicle. 
On XX/XX/XXXX received a check from KIA in the amount of {$25000.00} XXXX XXXX months after I Paid {$39000.00} to KIA or {$14000.00} less than what was determined to the the pay off amount on XXXX XXXX, XXXX the check was labeled Lease Refund?
Product: Debt collection

I have disputed a couple of collection account w/gold Key Credit. They have removed XXXX item but are refusing to remove an additional Medical collection account in 2014. I advised them that 1 ) I never received documentation of the bill XXXX ) My family and I receive Medicaid and Food stamps because we are low income. I recently spoke to them advising them I can provide them with my medicaid number and they refused to speak to me futher. This collection on my account has caused signficant damage to my credit anc my chances of enrolling in the 1st time Home Buyer Pram for low income familes. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notice that my insurance paid 100 % of the contracted payment amount permitted for a surgical procedure. Subsequently I received a credit alert showing a collection account on my credit bureau. I immediately contacted & resolved the discrepancy with XXXX @ XXXX XXXX XXXX XXXX with the assistance of my insurance company. XXXX assured us that the collection reporting would be removed from my credit reports, but, it was only removed from 1 credit bureau not all 3.
Product: Credit reporting

I have sent dispute letters to the listed organizations on the Experian report, but none of them VAL : IDATE the alleged debt. 
After the Default notices sent to above organizations, I sent letters to Experian, but no response so far.