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

I Have been with this company for the better part of 3 years. In that time I have been mistreated Half a dozen times. Most recently On XX/XX/23 The company attempted to debit an amount that I had cashed out the previous payday. Like always I made sure that my bank account was able to cover the cashout I always keep enough in my account to cover my debts and all autopays that's all I use that account for so there are never any unexpected withdraws. This is a process im very familiar with and that I expect every payday. I get paid the same every payday so there's no chance I didn't have enough to support a {$500.00} withdraw. However the company insists that in an attempt to collect the amount their system was unable to withdraw the full amount. This is something I understand. Systems malfunction. I offered to pay the remaining amount to keep my payday allowance high ( {$500.00} ). I was told by one associate that I had to pay the remainder and I'd have to do so by contacting a specialist. However he couldn't connect me to a specialist I had to leave the chat and come back in to request one. Only to be told there are no specialist. The next rep I talked to told me there no way to submit a payment that I had to wait till my next payday and my payday allowance would be subject to review. Mind you I've done nothing wrong. Their systems inaccurately collected my debits and there are no systems in place to rectify an error that was made by their network.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my identity a long time ago opened a few accounts which went to collections. The account XXXX XXXX XXXX isnt mine nor do I know who it is. 

The last four of my SSN is XXXX.
Product: Checking or savings account

I am currently awaiting funds to be awarded back to me from capital one bank USA from fraud claims and have provided the necessary information including police report to the company. After filing fraud claims I was notified that my bank would be ending banking relationship, and that was over XXXX months ago. Every time I go into the office I have issues with the customer service and they do not want to give me my funding. Furthermore each transaction was moved into a separate dispute process even though they were reported together and on the same report. This is a sluggish company with incompetence running thru its veins. I have {$500.00} in a bank that is no longer associated with me and I can not get my money out
Product: Mortgage

I make my application and they promise to get my refinance my home. they charge me {$500.00} but they never get my loan ... I called many times but they do not return my phone call.. I make my application over 2 months ago ... I request my {$500.00} refund but what i said before they don't return phone calls. 
First they offer me a loan for XXXX and then they modified to XXXX. I'm Agree all conditions but they never get my loan. 

Here is the name of the company ; AmeriSave Mortgage Corporation XXXX ID # XXXX Agent XXXX XXXX XXXX XXXX XXXX Loan Originator XXXX ID # XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX VA XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$3400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023XX/XX/year> XXXX XX/XX/2023
Product: Debt collection

I have sent XXXX different letters since XXXX of XXXX as well as called on XX/XX/XXXXXXXX  to get validation of this fraudulent debt and ask until i get validation and a new investigation be done to remove from my credit in 30 days and none of those things have been done nor have they responded. 

CB/ Wayfair bank
Product: Credit card

These accounts represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The accounts are : XXXX  XXXX and XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested a security freeze and my report from Clarity Services. I have yet to receive, and I do not agree.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report on XX/XX/2024. I saw some late payments ; they were supposed to be on time. And the creditor said " I wouldn't be marked late because I had things going on not because of the pandemic but because I was XXXX. XXXX XXXX, XXXX XXXX, and XXXX XXXX  XXXX are my missed payments. I sent a letter to TransUnion to get this fix, but they still said everything is reporting correctly. But it's not. Can you help with this situation? Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again the Fraudulent accounts are hindering my everyday life. 
The accounts are ..... 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I was assessed 3 overdraft fees totaling {$100.00} but never had a negative balance on my account. On XX/XX/XXXX my account began with a total balance of {$69.00}, I purchased gas at XXXX for {$40.00} which took my account to XXXX, I then purchased XXXX costing {$8.00} bring the total to {$21.00}, next {$15.00} was spent at XXXX leaving a total of {$6.00}. Later that evening I completed an online transfer of {$44.00} that brought the account to {$460.00} because an online transfer of {$410.00} I made the prior evening, Thursday XX/XX/XXXX, also posted on XX/XX/XXXX. The overdraft fees of {$100.00} left {$360.00}, {$2.00} XXXX made {$350.00}, XXXX XXXX {$11.00} took the account to {$340.00}, XXXX {$29.00} & {$17.00} made the total {$300.00}. These transactions per my statement never caused a negative balance on my account, but due to your overdraft fees my account continues to go into the negative. I have made a total of {$590.00} credits to my account since XX/XX/XXXX, the first online transfer of {$410.00} was made while my account was still in the positive before the transactions in question were made. The online transfer made on XX/XX/XXXX for {$57.00} made the account positive that night and then I woke up to a negative balance of {$19.00}, I then transferred {$43.00} bringing the account positive again at {$23.00} my wife made a purchase at XXXX for {$14.00} leaving me a total of XXXX. The inaccurate overdraft fees cause my account to be negative. I called customer service each time the account went negative but no one could explain how you apply overdraft fees to an account that does not go negative. Not to mention, I was told by different reps different transactions caused the overdraft. My next step in an attempt to get a solution was to go into a branch, upon speaking to the branch manager he understood and agreed that my account should not have any fees, he called into customer service and was given the same explanation they gave me. He ultimately said he would rebate the last overdraft I received of {$35.00} as a form of customer service. Even with him doing so my account is still negative {$26.00} but has a balance of {$8.00} which seems as if there is another overdraft fee that 's going to post to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted three credit disputes to Equifax credit services the first ( dispute # XXXX ) being on XXXX advising them that various accounts have been paid and that they need to update them. I received notification from their company on XXXX stating that they've updated four of the creditors has been updated but not the others. I reached out to the creditors in question just to verify and to be sure that they were reflecting paid. I was advised by creditors in question that the accounts were in fact paid and was reported as such. After learning of this, I took the time to file another online dispute ( dispute # XXXX ) through Equifax 's website again on XXXX. This time around, I attached proof of payments obtained from the creditors in question. I received an electronic notification from Equifax on XXXX stating that the creditors are reporting accurately. I reached to Equifax by phone on XXXX. I spoke with two representatives ( first rep placed me on hold for 40 minutes and never came back to phone ). The second rep that I spoke with assured me that the two accounts in question had been updated and corrected. I gave it a few days and decided to check my credit file, only to find that the same two credit items are still being reported incorrectly and still haven't been updated. Meanwhile, XXXX and XXXX were able to verify, correct, and updated the same information well over a month ago. I reached back out to Equifax by phone on today XXXX, and was advised by rep that the items in question have NOT been updated in spite of the numerous phone calls and request, along with proof of payment that I've submitted. He told me that his name was XXXX and that he rep number was XXXX. He advised that all he could do was to submit another dispute ( dispute # XXXX ) and that it could take another 30 days to get a resolution. Left with no other option, and being totally frustrated with the situation, I had to come to your corporation to file this complaint. This entire situation is impacting me negatively and is discriminatory. I am SERIOUSLY considering pursuing legal action against Equifax. I am sure that if they're doing this to me, that there are others that they are doing this to as well. Please feel free to contact me with any questions or concerns that you might have. Thanks in advance for your help and time in this matter.
Product: Money transfer, virtual currency, or money service

PNC won't allow me to link my bank account to XXXX. This makes it impossible for me to use the app without setting up a new bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not owe XXXX for the mortgage on my credit. My mortgage is released ( see enclosed ). I have never been late or delinquent in any way. Please remove the item pending a thorough investigation. 

XXXX XXXX XXXX  XXXX inaccurate
Product: Credit card or prepaid card

My complaint is with Citi Bank Double Cash Card. I was informed that my available credit would drop by XXXX dollars, during this time I always made timely payments. After the initial drop in available credit, Citi would then cut my available credit limit after each payment I made until I'm left with a XXXX dollar balance. This move is crippling my debt to income ratio. My accounts have always been in good standing, and this amounts to damaging effects on my credit.
Product: Vehicle loan or lease

Called in XX/XX/XXXX to get payoff of loan a guy told me i had ten days to mail in check to M & T Bank in XXXX XXXX XXXX. I did that and shows transaction date of XX/XX/18 payed the {$13000.00} which the guy told me. then on XX/XX/XXXX, got a bill saying that I owed {$160.00}. Called up again waited 20 minutes on hold and the woman that answered she said that they had no record of me asking to pay it off. I asked to talked to supervision and waited over ten minutes and a guy came on said his name was XXXX at XXXX what ever that means, he said that it wasn't called in for payoff so i would have to pay {$89.00}. I as why it was that cost when i owed over {$13000.00} the interested was only {$88.00}. But i sent a check that day to get rid of that bank. Monday XX/XX/XXXX i got a letter from XXXX XXXX i called the bank again and they couldn't explain what this letter meant and would would have XXXX call me if i gave my phone number. No calls so I called back again talked to a XXXX, she said she didn't know anybody by that name and couldn't help me. I told her i wanted to talk to a supervisor or someone that knows what going on. She put me on hold for over 10 minutes and that guy XXXX came on. Said that was a letter stating that they would begin the pay work ten days after the loan was payed in full but would not let me talk to this XXXX, and showed the extra money was payed XX/XX/XXXX and that they have up till ten working days to start this process and could take a while to do. So i wanted to make this know of this and asked how could there be {$89.00} interest on a loan that sent all the money in.
Product: Credit card or prepaid card

I paid my balance in full in the month of XXXX on the XXXX, XXXX  in full in the amount of {$6600.00}. Chase credit services choose to charge me an additional interest charge of {$56.00} for XXXX. When I paid the balance on the card I asked for a current amount due. They showed a balance of {$6600.00}. I called their customer service to dispute the invalid Charge they refuse to refund the invalid charges. I would like a full refund of the {$56.00}, and file any charges against Chase for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem is that all four credit bureaus use the same phone number XXXX XXXX ) and web site XXXX XXXX XXXX to offer options to people who want to opt out of prescreened offers. When I tried to opt out of future advertisement, the automated system kept getting my address wrong. No matter how I repeated my address, it kept miss-repeating my Street address. This kept me from being able to complete the over-the-phone form. This is not an isolated incident, it has happened to me before, two other times over the last few months. This is obviously being done on purpose to eliminate or reduce the number of people who opt out of prescreened offers through the mail. I tried to resolve this problem by contacting the FTC but couldn't fill out the online form because of the multi business and address parties involved. The automated system kept giving me error messages and when I tried to resolve the problem through their chat system, they couldn't help me at all.
Product: Debt collection

I tried reaching out to this company on XX/XX/2020 about this debt in the amount of {$270.00} that does not belong to me. They refuse to remove this from my credit report
Product: Credit reporting or other personal consumer reports

Vehicle was purchased then totaled by tornado 2 months later, GAP coverage was added at time of purchase. The dealership was responsible for sending the GAP payment to XXXX and did not. We followed up at XXXX 3 times. The last time we followed up the check was finally mailed, received and signed for by the recipient. However, XXXX had not been able to locate the check as of my phone call on XX/XX/24. Because the dealership did not mail the GAP refund check in a timely manner ( it took 3 months before they mailed it only for it to not be found ) the account was reported as delinquent. My credit score has been damaged because of this.
Product: Debt collection

I am writing to formally file a complaint regarding the debt collection practices employed by the law firm, Lloyd & McDaniel , PLC, on behalf of XXXXXXXX XXXX. I believe that their actions violate my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), and I seek your assistance in addressing these violations. 

I have outlined the specific issues and the relevant violations below, based on my Affidavit of Truth : Violation of 15 U.S.C. 1692a ( 6 ) - Debt Collector Definition : Lloyd & McDaniel , PLC is acting as a debt collector, yet they have failed to provide proper verification of the debt as required by law.

Violation of 15 U.S.C. 1692c ( a ) - Communication Restrictions : Despite my explicit request to cease all communication, Lloyd & McDaniel , PLC continues to contact me regarding this debt.

Violation of 15 U.S.C. 1692c ( 3 ) - Ceasing Communication After Request : I formally requested that no further communication be made, yet they persist in contacting me regarding this alleged debt. 

Violation of 15 U.S.C. 1692b ( 2 ) - Unauthorized Disclosure of Information : The debt collector has disclosed details of this debt to third parties without my consent, violating my privacy rights.

Violation of 15 U.S.C. 1692b ( 5 ) - Continued Contact with Third Parties : Despite my request, Lloyd & McDaniel , PLC continues to contact individuals not involved in the debt collection process.

Violation of 15 U.S.C. 1692d ( 2 ) - Harassment or Abuse : The conduct of Lloyd & McDaniel , PLC has been excessively harassing, including multiple calls within short periods, unwarranted threats, and verbal aggression.

Violation of 15 U.S.C. 1692g - Failure to Provide Debt Validation : Lloyd & McDaniel , PLC has failed to provide the legally required debt validation notice, including proof of the amount owed and the creditor 's identity. 

As a result of these violations, I have already formally requested debt verification from Lloyd & McDaniel , PLC, and demanded they cease all communication with me. However, they have failed to respond adequately or cease their unlawful actions. 

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that Lloyd & McDaniel , PLC complies with the FDCPA and other relevant consumer protection laws. I have attached a copy of my Affidavit of Truth for your reference, which outlines the full details of these violations. 

Thank you for your attention to this matter. Please keep me informed of any updates regarding this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since at least XXXX of 2012, LexisNexis Risk Solutions Inc. has been reporting outdated information to insurance companies which has adversely affected my ability to obtain auto insurance or has significantly impacted the rates offered or that I pay for insurance. Since 2012 I have requested copies of the information they are storing and reporting about me. In the paperwork that I've received several times, there is no clearly defined process for disputing the information contained in these reports. I have tried contacting them by phone but only ever get routed to an automated system to request a report via mail, with no option to speak with a person or dispute information. I have submitted written requests each year since 2012 for the information they are storing and reporting to be updated. I mailed these requests to the only address that I can find for them at LexisNexis Risk Solutions Inc., XXXX XXXX XXXX, XXXX, GA XXXX through US Mail. It has now been more than 11 years since my first attempt at contacting them and requesting information to be updated.
Product: Debt collection

We had XXXX XXXX as our internet service provider at our prior address. About three years ago we moved to our current address. When we moved we called XXXX to change our service to our new address which they did. We immediately began receiving invoices at our new address which have been paid on time. What I did not know or understand is that the XXXX representative created a new account for our new address. To make matters worse they never changed the address on our old account to our new address so I did not receive the remaining invoice from our old account. From my perspective it was a seamless billing process since I didn't notice the account number change. As a result I now have a collections account for {$93.00} from XXXX XXXX and their 3rd party collections agent Enhanced Recovery Company for {$93.00} on my credit. I can only assume this happens quite often since it is their practice to open a new account when the service address changes. It would seem to me if XXXX was trying to be responsible partner with their customers the first thing their internal collections team would do is cross reference a collections account with current customer accounts and see if their is an open account. This would be a clue to change the address on the old account and invoice the customer at the new address. I guess it is too easy to just send it out to a 3rd party and damage their customers credit.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and request the immediate blocking and deletion of the following accounts and inquiries from my credit report, as required under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were fraudulently opened or made in my name as a result of the breach. 
Below are the affected accounts and inquiries : Accounts to Be Blocked and Deleted : 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: Credit card

I have docs proof of my purchase was canceled and did not hear from Capital One wanting further docs AT ALL. They recharged me for a purchase that was deactivated because I canceled to the software and now I have to repay? XXXX. Are you kidding me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX double inquiry XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX Reached out to the company to inform them of inaccurate information and was turned around. Never received any assistance with incorrect information reflected on the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Statebridge, Attached is the XX/XX/2021 response letter from XXXX XXXX XXXX to CFPB Complaint # XXXX. 

XXXX  has advised that there was transfer of servicing rights from Statebridge to XXXX for account # XXXX. 

XXXX XXXX XXXX issued the attached IRS Form 1099A naming themselves as the lender for account # XXXX for property : XXXX XXXX XXXX XXXX, FL XXXX Please provide proof of the servicing transfer from Statebridge to XXXX XXXX XXXX for account # XXXX. 

Please provide a full accounting and all records pertaining to account # XXXX for property : XXXX XXXX XXXX XXXX, FL XXXX Though there is reference to the property address, the attached XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loan Sale Agreement does not appear to include account # XXXX. 

Thank you for all your assistance in rectifying this IRS Form 1099 reporting matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have asked XXXX XXXX to stop sending in the ACH Payments before the due dates, each policy is due on the XXXX of each month, and they are taking it on the XXXX of each month.