23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/2019 Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX BANK ACCOUNT XXXX Dear Midland Credit Management I received information from you attempting to collect the Above Listed alleged debt. Your initial communication to me of this alleged debt was within 30 days ago. Please be further advised, I dispute the validity of this alleged debt in it entirety. Be further advised that I request the name and address of the original creditor along with an agreement with my original signature binding me to this alleged debt.You are illegally attempting to collect an alleged debt and money at that I do not owe. As per the law seized in desist all collection activities including credit reporting agencys Please comply. 

Also I sent out Certified mail receipt On XX/XX/2019 not sure if the post office is on strike there or Guys have a bad address listed per the Tracking # XXXX XXXX XXXX XXXX XXXX is why I reached out via this site because I dont have time to get another letter to you in time. 

Thanks,
Product: Checking or savings account

On XXXX XXXX, XXXX I applied for a small business checking account online with BBVA Compass. I specifically chose BBVA Compass because they stated on their website that one could open a new business checking account online. I completed the application process successfully. 

On XXXX XXXX, I received an email from XXXX XXXX at BBVA. She asked some questions XXXX answers to which had been supplied during their online application process ), including whether I wanted to use my Social Security number or my business EIN number for the tax reporting on my account. I had supplied my Social Security number during the online application process, but also provided my company XXXX number for the tax reporting in a response email the same day. It does not matter to me if my XXXX or XXXX is used for tax reporting purposes for this account. Since I am a sole proprietor of this business, the tax process is the same for either number. 

On XXXX XXXX, I received a response from XXXX XXXX stating that since I had provided my EIN number, they would not be able to open the account. Instead, she said I would need to visit a BBVA branch location to open the account. She informed me that she had canceled my online application. 

I feel that BBVA was deceptive in this case by offering to open up a checking account online, but failing to do so. If the representative from BBVA would have explained to me the difference between using my SSN vs the EIN for the business, I would have chosen to use my SSN to open the account. I suspect that this offer to open the account online was just a bait and switch tactic in order to drive people to their physical branch locations where they would be able to use additional high-pressure sales tactics in person.
Product: Credit card

After using my credit card to make purchases, and paying off the balance in-store as allowed by the terms and conditions, my card was locked for review. I created a negative balance inadvertently on my account. I intended to make future purchases to rectify that, but once my account was locked for review i could no longer make purchases. After my second phone call inquiring about when my card would be unlocked, i was told " not to hold my breath '' and that I should request a credit for my credit balance. I replied that i didnt want a credit refund, i wanted to use my card again. On my third call, i requested a refund check for my negative balance, as directed by the representative. On my fourth call, after about 4 weeks of not having the ability to use my card, i called again today. I was told that my card was still under review, with no way to tell when the review would end.
Product: Credit card or prepaid card

City National bank crystal visa credit card account Account does not have online access to view transactions and statements. Have contacted banker XXXX XXXX who has failed to respond or resolve the issue over the last 3 months. 

Mr. XXXX XXXX is a delinquent, unresponsive, and incompetent banker.
Product: Payday loan, title loan, or personal loan

Last year I had to move. I didnt have the money to move so I went to the title loan company. I got {$1500.00} from them. I ran into issues and was having problems paying so I had to refinance. Which of course they screwed me over even more. They told me on a {$1500.00} loan that it would cost {$6000.00} to pay them back. Fast forward to now. They repossessed my only vehicle Saturday XX/XX/2019. Without warning. I also havent recieved a phone call from them in over a month. Nor have a I revived a call about them wanting to repossess my vehicle. The vehicle is my only mode of transportation. It has all of my tools and work material in it. They are refusing to tell me where the truck is so I can get all of my tools. And they are refusing to work with me. Saying they need a minimum of {$1200.00} up front just to release the truck. I have worked less than 40 hours this year and have no way to pay that kind of money. I cant even pay rent this month let alone pay {$1200.00} to a company that is in it to XXXX people over. I need my vehicle back as soon as possible so I can start to pay them back. I cant pay them back without the vehicle because I can not get to work.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Re : Inquiry I was looking over my credit report and noticed I have an inquiry from your financial institution dated XX/XX/XXXX. Your inquiry is an indication you access my credit profile without my written consent as a result you received benefit for the use of my consumer credit application and was compensated. However, the consumer was denied. Please make note that adverse action against a consumer is against the law according to the Equal Credit Opportunity Credit Act which codified in 15 USC 1691c and Pursuant to liability under 15 USC 1692k.

You are subjected to criminally liability for violating 15 USC 1691 has I have proof that I was discriminated against based off the inquiry date from my consumer report and I received no benefit from your corporation.

Your financial institution is in violations of 15 USC Code 1642, 15 USC 1681m and 12 C.F.R. 1001 because I, the consumer, made an application in good faith but no credit was granted. 
Further, because my social security number ( credit card ) was used, and I received NO benefit is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of your XXXX XXXX. The is an act of Aggravated Identity Theft. 
If youXXXX XXXX XXXX fails to make reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make your financial instiution criminally and civilly liability for all he actual damages pursuant to 15 USC 1681n and 15 USC 1681o. 
You will remove this inquiry from XXXX, XXXX, and XXXX. XXXX XXXX XXXX XXXX, XXXX Without Recourse
Product: Debt collection

On XX/XX/2023 I called to accept a settlement agree with patenaude & Felix I was honest I owed the debt from more that 20 years ago and I wanted to take the settlement offer but not the amount they stated also stated this to each representative.

I gave the representative on the phone my bank information which he repeated everything back to me including the bank name. 
He gave me a confirmation number and told me a total of {$300.00} dollars would be debited from my account monthly on the XXXX of each month. 
When the XXXX of XXXX came no money was drafted I look at my bank statement online nothing was drafted I call the law office of patenaude and Felix. No one answered I called 13 times and left messages the phone calls were never returned and also emailed them. 
I called on my off day Thursday XXXX XXXX a representative name XXXX XXXX answered I said I called you several times and they had been no responses I even sent an email I asked why my payment never posted and she stated it was still pending I said I called my bank and they said nothing was pending she continued to give me a confirmation number and a cheaper amount which the court settlement was for years ago and a smaller settlement offer. And she stated the payment was still pending and it would take 7 day because of the holidays. 
I said ok, she said on Monday it would clear I knew she was lying because my bank said nothing was even pending. 
On tue XX/XX/XXXX she called me on my job and said to call her back immediately because my payment never went through my check bounced I returned the call once I got my lunch break she said my check bounced and I said youre lying because the money is in the bank she said I committed check fraud against there company and I didnt have the funds I said no that not true youre continuing to making excuses and lie. 
She said oh it because your paying with a pay card I said that a lie also other creditor having been paid off with this same pay card she continued to talk over me and ignored me and said I did not have money I said I can pay today by my debit card she took my information and all payments went through I stated I knew the money was there she said oh well continue to make this payment up until XXXX I spent my whole lunch break speaking with this company they have a lot of deceptive practices and lie constantly to consumers and needs an investigation done I hope something is done for people like me and other But I will continue to push for this company to be investigated because fraudulent practices are against the law.
Product: Debt collection

Hello, This communication is to file a complaint against of Universal Account Servicing , LLC debit collector who charged my debit card for 6 consecutive months in amount of {$66.00} ( total charge {$400.00} ) since XX/XX/XXXX till XX/XX/XXXX. 
Reason for a complain is to refund all charges back to XXXX XXXX due to Vendor ( XXXX XXXX XXXX XXXX XXXX XXXX has never provided services to me, closed my account and their business. 
I am attaching my account summary that is showing monthly charge on the account in addition to account #, holder name, business address with their contact information. 
I will greatly appreciate if you can help me to resolve this issue and to have Universal Account Servicing , LLC to refund all charges back to me as I never received serviced that I was charged for. 

Complaint against of : Universal Account Servicing , LLC XXXX XXXX XXXX XXXX  XXXX, MO XXXX Account # XXXX  Case # XXXX XXXX Phone : XXXX Manager name : XXXX Claimer information : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Unit XXXX XXXX, TX XXXX Claim amount : {$400.00} Thank you for your time and assistance! 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting ace. The List of accounts below has violated my federally protected consumer privacy and confidentiality under 15 USC 1681.

Here are the following inquiries : On the following Dates : 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 XXXXXX/XX/XXXX : Experian on behalf of XXXX 15 U.S.C 1681 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 make 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On or around XX/XX/XXXX, I reviewed my credit report The Macy 's account was closed on my report. I was concerned because i previously spoke to a representation on XXXX who told me if I made a payment of {$160.00} that my account would not be closed. My report shows on XX/XX/XXXX the account was closed. XX/XX/XXXX, a XXXX called from Macys again threatened me if i do not make a payment by XX/XX/XXXX that y account would be closed. I verified with a credit counselor that the account is in fact. I explained back in XXXX that I was going through a divorce and had an apartment fire in XXXX. I was really hopping that they would have kept my account open since i recently paid off half of my account in XX/XX/XXXX. It's unfortunate that Macy; decided to not help and chose to make it worst.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I requested a freeze and fraud alerts to be placed on my credit file due to potential identity theft. However, as of XX/XX/year>, I decided to remove all security measures, including locks, freezes, and fraud alerts, to allow access to my credit information. 

On XX/XX/year>, I contacted each major credit bureauXXXX, Experian, and XXXXto formally request the removal of these security measures. Despite my request, the measures have not been removed, and the process has been delayed without clear communication from the companies involved. 

In response, I have called customer service, sent follow-up letters, and submitted online requests to address the issue. 

I am seeking assistance to ensure that these security measures are fully removed from my credit files so that authorized parties can access my credit information without restriction. 

Thank you for your attention to this matter, and I appreciate your prompt assistance in resolving it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, has violated my rights. 


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 1666B : States 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 card or prepaid card

I applied the American Express XXXX XXXX  credit card at XX/XX/2018. According to the advertise of this credit card, I should be able to Earn XXXX XXXX XXXX  Bonus Points as welcome bonus after you spend {$2000.00} in purchases on the Card within first 3 months of Card Membership, and I am charged with {$95.00} membership fee.

However, after I spend more than {$3000.00} in first 3 months, I didn't get XXXX XXXX XXXX  Bonus Points. I call the company and I am told that the welcome bonus of XXXX XXXX XXXX   Bonus Points was rejected when the card was approved at XX/XX/2018, without any notice to me. I am not informed with this rejection till recent and I spend a lot of money on this card after the card is approved. If I was noticed the rejection of the welcome bonus, I will not use this card last year.

I already call the American Express twice to solve this issue but they refuse to refund me the XXXX XXXX XXXX XXXX  Bonus Points.
Product: Debt collection

I am writing to file a formal complaint against the three major credit bureaus [ XXXX, XXXX, XXXX ] for failing to properly investigate and address inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

I disputed multiple third-party debt collector accounts on my credit report, as these accounts were purchased by debt collectors, and the current status, balance, and payment details are incorrect. Specifically, my credit report fails to reflect the amount paid by the debt collector, which results in incomplete and misleading information. Despite these inaccuracies, all three credit bureaus have responded by simply marking these entries as " verified '' without providing any proof or evidence of a proper investigation into my dispute. 

The information listed on my credit report regarding these collection accounts is inaccurate and misleading, which constitutes a clear violation of the FCRA. I have not received any substantiated documentation supporting the verification of these accounts. As a result, I am requesting that these inaccurate entries be removed immediately. 

I respectfully ask that the CFPB look into this matter and help ensure my rights under the FCRA are upheld. 

Thank you for your time and assistance.
Product: Mortgage

On XXXX XXXX, 2015 I received a letter from Reverse Mortgage Solutions , Inc. notifying me that my loan was in serious default due to lender placed flood insurance. I was originally notified of the flood insurance requirement in 2015. I am XXXX years old and live on a fixed income. The amount needed to bring my account out of default is listed on the letter as {$6400.00}, which will increase. I made several calls to Reverse Mortgage Solutions, Inc to get more information in which I was not able to get in contact with them until weeks after receiving this letter. The representative assigned to my account is XXXX XXXX XXXX Ext. XXXX. I looked through my documents and realized that this amount is extremely high and could have been reduced had the company paid attention to the ELEVATION CERTIFICATE that was made part of my initial response to them upon being charged for lender placed insurance. I had my daughter call to see if she could get information from them and am in jeopardy of losing my home in a matter of days. The representative spoke with me on XX/XX/2015 to confirm that it was okay for my daughter to speak on my behalf and since then my daughter has not been able to contact them.
Product: Prepaid card

I purchased 3 AMEX giftcards on XX/XX/24, total $ XXXX on order number XXXX. These gift cards are useless! You can not use them online YET the documentation from AMEX states you can use it online. I was going to give these away as XXXX gifts but I was keeping one for myself. I have tried to use the giftcard online and it is not accepted online. You do not gather the person 's information like XXXX and the giftcard is not accepted. You are docking my card XXXX each time it is refused at an online retailer. This is ridiculous and no wonder you have a promotion with free fees and shipping right now because the card is useless. I can not give these away as gifts now! Terrible product! I would please like {$120.00} refunded and these cards cancelled. I put a complaint in with XXXX  and they have ignored it. Upon reading online, it says to notify consumer protection so that is what I am doing now. 
The website and paperwork with the giftcards say can be used online! That is the main reason I purchased these!
Product: Credit card

Purchased jewelry at XXXX and sales associate split the credit on XXXX cards XXXX being XXXX account and other being synchrony.We were not informed of the interest rate on the synchrony until after we made the purchase being at XXXX it will take us 10 years to pay the XXXX dollar depth off.Knowing that we would of not made the purchase, I feel they did n't properly explain this to us now we 're stuck with this terrible account.
Product: Debt collection

Per court order the amount needed to collect from the original creditor is not the {$3300.00}. It is {$1500.00}.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXXXXXX Balanced {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

This involves a banking issue with a checking account with the following bank : PNC Bank National Association ( Routing Number : XXXX ) XXXX XXXX XXXX XXXX, XXXX, PA XXXX, XXXX ( XXXX ) XXXX Check forgery/fraud incident not resolved after 8 months ; funds fraudulently withdrawn ( stolen ) from account have not been reimbursed. I am filing this complaint on behalf of my XXXX old mother. Her statement is below : I have banked with PNC over 25 years, and it was not until XX/XX/XXXX that I experienced check fraud. Checks written out to pay various service providers had been intercepted in the mail, forged and cashed. This happened three separate times - XX/XX/XXXX, XX/XX/XXXX and then again in XX/XX/XXXX. The first time it occurred, PNC opened an investigation and promptly refunded the amount fraudulently withdrawn from my account. The second time, PNC investigated and quickly refunded the account. When it happened the second time I went ahead and placed a stop payment on all of the checks that were mailed out at the same time. However even though I put a stop payment on the checks, there was a third incident involving a check I requested to stop payment on a check that was written in an amount less than {$100.00}. The forger changed the amount to {$850.00}. A new investigation was open ; however, PNC has not refunded my account for that stolen {$850.00}. Apparently, there is an ongoing dispute with XXXX Bank to get the money back and that is what's holding up the reimbursement to my account. It has been more than 8 months with no movement or resolution. Meanwhile, adding insult to injury, PNC Bank started charging insufficient funds fees to my compromised account, even though the bank was aware that my money had been transferred out to another new checking account while investigation underway. I have contacted the branch manager multiple times as she has helped with documenting the previous investigations. She has continued to state that the investigation is ongoing. I escalated multiple times within PNC just to get no response or the run-around. PNC refuses to reimburse the lost funds until XXXX XXXX ( the bank which cashed the fraudulent check ) finishes their investigation ( no timetable ). It has been far too long, and I should not have to continue to endure this inconvenience. I am XXXX XXXX XXXX and need my money. Being out of {$850.00} for this many months is a complete hardship for a person on a fixed income. 
I am submitting this complaint with the hope that the CFPB can influence PNC and XXXX Banks to resolve this matter before years-end with reimbursement to my account and prosecution of the forger. 
Thank you.
Product: Credit reporting or other personal consumer reports

I'm trying to contact Jefferson Capital Syst because it was notified the XXXX XXXX sold fraudulent account regarding the purchase of a XXXX  XXXX XXXX ( Vehicle ) with XXXX XXXX XXXX in XXXX, FL. this is a fraud because I received an adverse information by XXXX XXXX in my account credit report that is a fraudulent information, it's kind of defamation and damaging my integrity of my family. From XXXX I had a XXXX and had not any bank account on that period of time and this is a Fraud. I DON'T HAD ANY PROPERTY ; he had XXXX XXXX. Please, I am encouraging you in good faith to send all the information to review, since I don't have any. I will appreciate your input to avoid more damage, this is a fraud and damaging my family. 
Before XXXX XXXX sold fraudulent account, I spoke with a representant of XXXX XXXX  and told me that everything was resolved, no debt, as explained that's a Car lender fraud, maybe conducted by XXXX agent or others. It looks like scheme or artifice '' to cheat somebody.