23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Initial I received a flier for this company and i went on their website to find out information regarding the company. The next day I received a call from this company and I asked them general questions because nothing was posted on their website in regards to interest, terms and conditions on their website. The associate said he could n't provide me the information unless my credit was ran so I agreed to it and gave him my information. A few day later the associate emailed me the credit application and XXXX form for me to fill out and they need a recent pay stub from me. After I filled out the required docs and my paystub I received a phone call from their under writer for a customer interview. XXXX minutes later I received and email with all the terms and conditions. When they ran my credit they told me I had a XXXX fico and in the email sent me they quote me a rates of 14.49 % & 15.49 %. the following day the associate sends me a text asking me what I thought about the approval and I told him i was insulted and that i was interested any more. The following day i received a text say that the were sorry and they can get me a rate of 7.49 % and I did n't respond. I received a phone call a week later from their underwriter and informed I was interested and he still was trying to convince me to do the loan. When I asked the underwriter why XXXX day the rate was 14.49 % to 15.49 % and then the next day because I was upset the rate dropped to 7.49 % and he could n't answer my question
Product: Checking or savings account

Couple thousand dollars was stolen from my TD bank account in XXXX via XXXX. I called the bank to notify them and they said we can not due nothing about it due to it being like cash being sent, once sent its gone. 

I am a victim of identity fraud. TD bank notified me about this and on XXXX  XXXX XXXX credit score provider XXXX XXXXe it also says my identity was stolen. 

My crypto was stolen from XXXX back in XXXX. Over {$10000.00} dollars worth of it. Today that would make it worth {$40000.00} plus dollars. They did nothing about it, not even call the other exchange XXXX XXXX owned crypto company. I notified FBI internet crime center with all the details and crypto wallet addresses. 

I was hit hard financially due to theses things. This affected me financially, emotionally and I just founded out this new agency within the government. I hoping you guys can help me with theses two big issues.
Product: Checking or savings account

Bank of America closed my accounts in XXXX of 2017 because of Alleged fraud in my account. They do n't give any information other that the accounts are closed. I would like to clear this negative information from my credit report
Product: Vehicle loan or lease

Bridgecrest Credit Company , LLC holds the loan for my recently totaled XXXX XXXX XXXX. My insurer, XXXX XXXX, issued 2 payments on XX/XX/XXXX, an electronic payment of {$15000.00}, and a paper check payment in the amount of {$2300.00}. The payment of {$15000.00} was credited to my account on XX/XX/XXXX. The paper check for {$2300.00} has not been cashed as of XX/XX/XXXX ; however, my loan balance has been increased by this exact amount, showing up as a returned to sender payment on XX/XX/XXXX. If these payments had been accurately credited, my payoff balance should be approximately {$2300.00} ; at this time, my payoff balance is currently being displayed as {$4400.00}. 

When I contacted Bridgecrest to see why they debited the {$2300.00} from my account instead of crediting the payment, the representative was unable to explain why this happened. He did verify that my account information showing in the app is incorrect, and stated this was because my account has been " placed for work. '' When I asked when I could expect that to be resolved, he stated that the account had been " placed for work '' for an unspecified and indeterminate amount of time. He informed me that I would need to continue making my regular payments toward the loan, or else I would be reported delinquent to the credit bureaus. 

I also requested details of the " work '' being done to my account, which the representative was also unable to provide. Further, he would not provide an estimate of how long this unspecified work tended to last on average. 

After this phone call I contacted XXXX and confirmed that both payments above had been issued on XX/XX/XXXX, and confirmed that the check for {$2300.00} had not yet been cashed by Bridgecrest. At this time, XXXX will not place a stop payment on this check, in order to allow Bridgecrest to process the payment without additional delay once they have resolved this issue. 

I believe that Bridgecrest is withholding the payment issued by XXXX in order to continue forcing monthly payments on the account at 21.072 % interest, which will prevent me from obtaining financing on a new vehicle. I would further be unable to obtain financing on a new vehicle if they were to report me delinquent on my payments, despite them already having received payment for almost the entirety of the loan. 

At this time, because they are refusing to report my loan balance accurately, I am unable to obtain a new vehicle as I can not project the amount of financing necessary to cover a small payoff balance.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and identified multiple billing mistakes, particularly late payments that don't align with my payment history.
Product: Credit reporting or other personal consumer reports

I am a victim of Data Breach and Identity Theft. Please, block and delete the account within 4 business days pursuant to FCRA 605B15 U.S.C. 1681c-2. 
XXXX XXXX XXXX XXXX  Account number : XXXX XXXX. XXXX XXXX XXXXXXXX Account number : XXXX XXXX. XXXX XXXX XXXX  Account number ; XXXX XXXX. XXXX XXXX XXXX  Account number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX  Account number : XXXX XXXX. XXXX XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. Somebody got access to my own data and it's demolishing my credit by applying numerous account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 the first letter was sent to the 3 bureaus asking for an investigation on the following account " XXXXXXXX XXXX  '' Account # XXXX in the amount of {$2700.00}. The company that is reporting me is " XXXX XXXX XXXX '' then I sent letter to the collection company asking to please verify this account. No respond was received within the 45 days period after that. Then, on XX/XX/XXXX changes were made to my credit report showing as the account was closed. On the XX/XX/XXXX it was back on my credit report as active. There was No written notice from any of the Bureaus informing me of the result of the investigation. All my communication with them was sent through certified mail and I do have proof that the date that was delivered. I'm requesting assistances in the verification of the removal of the disputed data from my credit report.
Product: Debt collection

Recently I started receiving requests, missed payments, and debt collection attempts to make payments on a student loan that I do not own. This account has been reported to the credit reporting agencies and is significantly impacting my credit report and my credit score.
Product: Debt collection

Upon reviewing my credit report, I found multiple accounts that appear to be inaccurate and were added without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes online, via letter and by calling to each credit agency to correct my personal information that's on my credit reports. My XXXX, Transunion and XXXX should only have my name, address and employer as followed every other name, address and employer should be removed ASAP per the law. 

Name - XXXX XXXX Address - XXXX XXXX XXXX XXXX, XXXX XXXX OK, XXXX Employer - XXXX I need all other names, address 's and employers removed from my XXXX, XXXX and Transunion credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this account from my credit report as it is inaccurate and I did not authorize anyone to use it.
Product: Checking or savings account

On XX/XX/2019, I made a payment in the amount of {$72.00} to XXXX XXXX in North Carolina. The next month I received my monthly statement. Billed date XX/XX/2019 the previous amount is still showing on my statement {$72.00}. The payment box is XXXX. No payment of {$72.00} from the last month. I go ahead and make from another bank {$130.00} {$72.00} plus {$62.00}. Thinking that I had already made the payment I research and find that I made the payment the prior month in the amount of {$72.00}. I call XXXX and SECU to try and resolve this issue and have not been able to resolve it. 

I was able to talk to SECU personnel in XXXX to give me the information needed which is attached. However, the local bank has yet to resolve or consider any resolution.
Product: Checking or savings account

In XXXX of 2023, I wrote a check in the amount of {$24000.00} and sent it by mail to the Massachusetts XXXX XXXX XXXX. When I received my electronic bank statement in XX/XX/2023, I verified that the amount had cleared the account. However, on XX/XX/2023, the payee contacted me to inquire the status of the payment. On that date, I reexamined the bank statement and the image of the front of the check showed the that the check had been altered. The payee was changed to XXXX XXXX and the word services was added on the memo line. I immediately contacted the Santander Bank fraud department and filed a fraud claim. Santander Bank has denied this claim in reference to a 30 day period during which a customer is expected to report fraud subsequent to the bank posting the statement of activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to apply for credit and was informed that this company has more than one social listed for me. I am a victim of identity theft and only have one social ending in XXXX. Any other socials are fraud or error.
Product: Debt collection

Prior complaint number XXXX The harassment with phone calls continue after I responded in the above complaint, and told them to quit contacting me any further. ( Phone, email, by mail ) They called twice today, and again engaged in threatening tactics. They continue with their unprofessional demeanor, and want to argue and threaten my credit score if I dont pay the debt they claim I owe. 

The employee also brought up the prior complaint I made, clearly establishing they are aware of the complaint I filed, and are purposely targeting me. 

STOP contacting me. I do not wish any further contact by any means.
Product: Debt collection

I requested to join XXXX XXXX online on their website on XX/XX/XXXX, and they sent me XXXX cards for my devices. I did not receive the XXXX cards and requested via online chat for XXXX XXXX to cancel my order and close the account on XX/XX/XXXX. I received email confirmation that my request to cancel was initiated. I decided to try in-store to create my account with XXXX XXXX instead . I went to the store on XX/XX/XXXX and was told that there was still an active account preventing me from opening a new account and was told to try over the phone with XXXX XXXX customer service. On the phone with customer service, I was told until the first account is completely purged from their system, I could not open a new account. My case was forwarded to a supervisor, I was told. I called back a few days later as instructed and was able to open my new account with XXXX XXXX ( which I currently maintain and pay the bill monthly on time ). I was told that whatever account was active before is no longer open and was resolved. In XX/XX/XXXX I received a letter of collection from Afni, XXXX XXXX ' collection agency. I called Afni on XX/XX/XXXX and explained the situation. I was told that the issue would be forwarded for review and instructed to call back. Afni 's hours are during my work hours, and it is not easy for me to call each day. Afni never made any attempt to contact me of their findings or any further action of debt collection. On XX/XX/XXXX I received a notification of change to my credit report for a negative report made on behalf of XXXX XXXX. I contacted Afni on XX/XX/XXXX where I was told that their review determined that the debt was valid?! And that because I did not follow up with them after the initial call, they forwarded my debt to XXXX XXXX! This business practice is very unprofessional. I do not owe anything as I cancelled the XXXX XXXX account within 6 days of requesting it, without any services rendered. I have recently contacted XXXX XXXX and filed a dispute with them on their website, however, they have not allowed for me to upload my proof of documentation. This is a farce, and XXXX XXXX is ruining my credit for an error on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third attempt to reach this company regarding a violation to my credit reporting. They have not responded to any inquiry withing the legal time frame to prove that this account are mine, therefore i am requesting they be removed immediately pursuant to FCRA 623 ( A ) ( 1 ) ( b ). 
Account : XXXX XXXX : {$2300.00} Reported Open Date : XX/XX/2021
Product: Credit card or prepaid card

I called to do a product change from the Venture Card with a {$95.00} annual fee to the VentureOne card with {$0.00} annual fee on XX/XX/2019. I was previously advised that the {$95.00} annual fee would be void as long as the product change happened within 30 days of the renewal. However, after speaking with multiple customer service representatives and managers they said the fee would remain even though they already product changed my card to one with {$0.00} annual fee the day after the fee went on my account. I need a fully refund of the {$95.00} fee.
Product: Checking or savings account

For years, I have been facing persistent issues with Chase Bank, but now I have reached my breaking point. Recently, I made an online clothing purchase using my bank account, only to find that the clothes didn't fit me properly. Consequently, I initiated a return process, which unexpectedly required me to pay for the return shipping. To my dismay, XXXX XXXX, the retailer, informed me that instead of a full refund to my bank account, they would only provide me with a store credit for half the purchase price. 

Expressing my dissatisfaction, I informed XXXX XXXX that I would no longer be conducting business with them, as it was unfair for me to bear the cost of my own return and not receive a complete refund. Seeking resolution, I escalated the matter with my bank, providing them with the necessary evidence. However, to my astonishment, my bank charged my account without conducting a thorough review, even though I had requested to speak with a supervisor. 

When I finally managed to speak with a supervisor named XXXX XXXX, she callously informed me that their decision was final and suggested that I pursue legal action in small claims court if I wanted my money back and hang up the phone. This is so disrespectful to me and my money I put in the bank. Disheartened by this dismissive response, I recall our conversation taking place on Monday, XX/XX/XXXX, between XXXX and XXXX XXXX. 

I am utterly exhausted by Chase Bank 's negligence in safeguarding my funds and their tendency to favor vendors over their own customers. This is precisely why I refrain from using cash, as it seems that people can be deceitful in various ways.
Product: Debt collection

XXXX : XXXX XXXX XXXX called today said I owed Check N Go Quick Loan for {$1500.00} and sent letters to my home, which I do not believe ever received. Stated if I did not pay today the offered settlement of {$600.00} - this would go to collections. I paid with my only funds on a credit card, as my daughter is going to college this XXXX and did not want any credit issues. I feel I did not take this type loan and was unemployed for a few months in XXXX. No action against my credit yet was explained. I have confirmation paid email and credit card authorization form was texted and emailed to me. I believe I was scammed today.
Product: Credit card

I believe I have been wrongfully charged {$2100.00} ( to date ) in interest on a credit card and would like to request an investigation that will hopfully result in Alphaon Credit issuing a refund for the interest charge. As context, I signed up for a 12 months deferred interest payment loan with Alphaeon Credit on XX/XX/XXXX for a total amount of {$10000.00}. On XX/XX/XXXX I made the first payment for {$850.00} and also set up auto pay for XXXX equal monthly payments of {$840.00}. The first auto-payment was scheduled to be pulled on XX/XX/XXXX and subsequently, on the XXXX of every month. I did this with clear intent to repay the loan in full by XX/XX/XXXX ( coinciding with the end of the deferment period ) so that I would not accrue the 29 % interest charge. To my surprise, I received a bill with a statement closing date of XX/XX/XXXX and due on XX/XX/XXXX showing that I not only owed a balance on the account but that they added a {$2100.00} interest charge. After 6 phone calls with agents from both Alphaeon Credit customer service and agents at Comenity Bank ( which owns Alphaeon ), I discovered that the reason my account was not paid in full by XX/XX/XXXX is because they did not pull the auto-payment that was set up for XX/XX/XXXX, unbeknownst to me. Because they neglected to pull that payment, by XX/XX/XXXX their records showed that I had only made XXXX payments and since my account was not paid in full per their records, they assessed the interest charge. After pleading with several agents and supervisors and even telling them that I am currently unemployed, I was told that despite the fact that I set everything up correctly, there was nothing they could do and that they would not waive or refund the interest charge. Because I want to avoid any further interest charges, I will have to take a personal loan to pay this credit card interest charge. However, I do not feel it is valid ( given they did not pull the funds ) and I feel that it is an intentional way to make interest off of unassuming customers. I'd like to humbly request that CFPB investigates this issue with the aim of getting Alphaeon to issue a refund for the {$2100.00} that I'll be paying in interest on this account. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to report that the collection account is listed as an " OPEN ACCOUNT, '' which does not comply with FCRA regulations. This is an inaccurate entry and needs to be removed immediately. Please send me a copy of my credit report once the deletion has been processed. I recently obtained my credit report and noticed that there is inaccurate information regarding my credit and personal details. 
Date XX/XX/year> {$7500.00} XXXX XXXX XXXX  The fair resolution is to delete this immediately
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of hard inquiries that I never authorized, such as XXXX XXXX XXXX on XX/XX/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 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 XXXXXX/XX/XXXX
Product: Debt collection

I spoke to a representative on XX/XX/XXXX. He said he was calling from capital one. They've been calling me since XX/XX/XXXX. They call me several times a day. While I'm in school. I told him that I'm a XXXX XXXX with no job but I was going to pay on XX/XX/XXXX. I told them to stop the calls. He told me that it was impossible. They were going to wait a week and if the debt wasn't paid they will call again. I have been getting about 5 calls a day since then.
Product: Mortgage

We have a mortgage with Wells Fargo. I lost my job on XX/XX/2016. We felt we could continue to meet our obligations for a short period. We felt we would need some help in the near future and filed a request with Wells for forbearance or an adjustment. We where denied even though our net income would not meet future obligations. After six ( 6 ) months of unemployment, I obtained a part-time position. At that time we asked Wells to reduce our rate to current rates ( approximately 3.5 % at the time ) and reduce the amount of the loan to the current balance so that we would be able to meet the obligation. Wells denied that request based on us not missing any payments and stated that they would have made an adjustment if we had been in default. They also suggested we sell our residence. During the process Wells paid our annual property tax without approval from us. Our original loan did not include a tax and insurance payment. We are in the process of refinancing with another company. Since Wells paid our taxes AND we agreed to future payments including property tax and insurance, Wells actual raised our mortgage payment by more than {$1000.00}. If we would have went for a refinance originally, we would have had a rate around 3.5 % and been able to take our XX/XX/2016 annual tax deduction. With Wells illegally paying our taxes and forcing us to wait to refinance at around 4.25 %, they will cost us ten 's of thousands of dollars over the lifetime of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

ProCollect Inc is reporting on my credit reports that I owe them a balance of {$550.00}. I never had a contract or resided in a property ProCollect Inc Manages. I asked them to provide validation and they sent a lease from XXXX XXXX XXXX They werent able to provide any payments or receipts .I was unaware this was going on my credit reports as I was not notified and never had an agreement or contract with Procollect. Per FCRA regulations notice should have been given no agreement or contact stating I owe them and agreed to a certain amount that they request. If item arent deleted I will seek legal counsel as this is a violation of the FCRA regulations.