23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Concern : Questionable business practices conducted by XXXX XXXXwhich facilitate cyber fraud, and require correction to protect all consumers with credit cards. 

Over the past 12 months XXXX XXXX cards that I closed were reopened. In one case the card was charged against, and in the other case it was not. My concern is about what seems to be a new loophole available to XXXX XXXX which permits this practice. 

Here is a brief summary of the details. Please contact me to continue this discussion. 
1. I closed my XXXX XXXX XXXX bank card in XX/XX/2022. This XXXX I renewed my expired XXXX membership and the account reopened. When I spoke to XXXX XXXX customer service today they informed me that in 2022 instead of closing the account the account was archived. They did not know how the account was reopened by my XXXX renewal. 

2. I closed a USAA Visa card due to fraud. This card was used for some monthly donations to non-profits. The non-profits continued to attempt to charge the card, and it was auto-declined for a few months, and then the charges by the non-profits went through. I called the non-profits, and they explained that they had enrolled in a XXXX program that XXXX have facilitated this. 

I am asking for a full investigation into this practice of re-opening closed accounts without the consumer 's permission.
Product: Credit card or prepaid card

Discover reduced my credit limit from {$3000.00} to {$500.00}. I do not have a single late payment on any account and I always pay far more than minimum on my payments. My scores have foolishly lowered because of usage, but now my scores are even lower because Discover lowered my credit limit. Yes, I understand how credit works. That still doesn't mean it's not absolutely foolish. My son who has several judgements and collection accounts has higher credit scores than I do right now, and I have an absolutely perfect payment history. It seems to me this would be a very clear indication of how unfair credit ratings are. I understand a creditor having the option of lowering your limits if you have had late payments or filed bankruptcy. They should not be able to lower your credit limit because of a temporary score. Temporary is the key word there. The scores are fluid and change rapidly, yet a credit card company may check your score once every 6 months to a year and may just happen to come across your score after a major purchase, so the foolish analysts that are paid to predict the future decide to lower your score ( kick you while your down ) and then say this is fair practice even though the consumer has more than lived up to the agreement made when the credit limit was established. Of course, it also depends on which score you're referring to. There are many! It's an absolutely foolish system and it provides very little, if any, financial protection for the consumer. All the protections are for the lender. My limit should not have been lowered. I had a {$3000.00} limit and only a {$30.00} balance. Now because of some overly educated fool who developed an automatic system to protect the bank, I am forced to suffer via my credit scores and good name.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. Someone has been using my personal information to include my name, ss #, DOB to establish credit and other financial transactions in my name. 

I am unaware of being a part of any data breach, however my personal sensitive information has been compromised. 

I have files a identity theft report with the FTC and I have also files an identity theft report with the local police department which I am attaching.
Product: Credit card or prepaid card

I called the company on XX/XX/2022 because I recieved an alert saying that my card was over the limit. Care Credit account # XXXX are using unfair credit card practices. My credit balance was lowered from {$10000.00} which I did not recieve notification about this and it caused my balance to be over the limit on my credit card servely. After my promotional % charges were completed they ballooned my Interest charges to a one-time of fee of {$3300.00} Which to me is a complete shook because I did not know that I was on a promotion also I was made aware that I was recieving a promotion that ended XX/XX/2022 which was not made clear to me when signing up for the card. So every payment I made they took and did not give me credit for. This is predatory and unfair.I have made all my payments with no missed payments to this company they lowered my limit without notification and whitheld that I was on a promotion and on top of everything they intenitionally lowered my limit to take all the money I've paid theme.
Product: Payday loan, title loan, or personal loan

The loan was taken on XX/XX/2022 in the amount of {$2600.00} with an interest rate of 509.46 %. I made a total of 7 bi-weekly payments of {$490.00}, a total of {$3400.00}. Due to financial harship, I am no longer able to make these outrageous payments. I had them remove the ACH withdrawal from the account, but they claim that they will collect the debt aggressively unless the full amount, over {$11000.00} dollars is paid immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY ENTIRE CLAIM WILL BE SUBMITTED ALONG WITH SUPPORTING DOCUMENTS! 

At the end of XXXX I applied and was approved for a credit card issued by USAA with a {$6000.00} credit limit. Several days/weeks later on XX/XX/XXXX I made ONE and only ONE transaction for {$5700.00} at a medical center called " XXXX XXXX XXXX '', before my credit card was due I was fully refunded ( as you 'll see the receipt I 'll attach ) for the full amount. 
USAA simply ignored it and kept on reporting late payments. I tried at least 30 times on different occasions to call them to correct it but they always told me they have no department to speak about these concerns ( it 's all on a recorded phone call, as USAA always said all calls are recorded ). However, they kept on sending me letter that I 'm late and need to make a payment. 

One day I decided it 's enough, and it 's not possible that they do n't have a department to speak to about this. I went ahead and filed a dispute with XXXX, XXXX & XXXX. 
XXXX & XXXX instantly realized the FRAUD USAA is doing and immediately removed and blocked it from reporting. 

However, XXXX kept on coming back to me with the answer that USAA provided supporting documents that there was no refund, which is very contra-dictionary, due to the fact I can proof otherwise. 

I ask the CFPB to uphold my rights and have them remove this entire account from my XXXX Credit Report as it 's having substantial impact on me getting a Mortgage..
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score was lowered by Experian 38 points stating XXXX XXXX XX/XX/21 and XX/XX/21. XXXX XXXX has advised me they did not report me to the credit bureau. Once again I feel targeted by Experian. Experian violated credit laws by not removing a delinquent account off my credit due to a failure of the creditor providing the documentation. Now they are hitting my credit score repeatedly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX CITICARDS CBNA XXXX XXXX XXXX XXXX XXXX, SD XXXX Subject : Request for Form XXXX ( Cancellation of Debt ) Dear CITICARDS CBNA, I am writing to request that you issue a Form 1099-C ( Cancellation of Debt ) for the debt that was canceled in my account XXXX with your institution. As required by IRS regulations, I understand that you must report any canceled debt of {$600.00} or more, and I want to ensure that this is accurately reflected for my tax reporting. 

As reported in my credit reports, the canceled debt relates to the amount of {$8900.00} and was discharged on XXXX. Please send the 1099-C to my address listed above or provide instructions if there are any further steps required to receive the form. 

If you need any additional information, please do not hesitate to contact me. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit card or prepaid card

I filed a complaint on XX/XX/23. Requesting certain actions and clarifications, document attached. I received a response from Amex on XX/XX/XXXX which did not answer my very simple questions and informed me the company would stop responding. I called Amex today to ask the questions on the phone and I was told someone would call me back. For 2 months, Amex has been telling me someone would call me back within 48 hours and only once has that happened out of 5 calls to them. Most recently I have been waiting for almost a month for a callback. Therefore, the only way I seem able to communicate with Amex is through CFPB which is anything but optimal. 

Things I need clarification on : - I understand one of the amounts of {$7700.00} has been credited but not the other. Since they are with the same merchant and the same fraud why has only one been credited and not the other {$7700.00}? 
- how do I know you will not reverse this credit like you did in XXXX. I need this in writing. 
- have I been refunded the interest charges on the {$7700.00} you have credited back to me? What about the interest on the other {$7700.00} - As requested on the phone and in previous CFPB communications I need : Contact and address for service of process Details of mediation process and costs associated Details of arbitration process and costs associated
Product: Debt collection

In reviewing my credit reports, I noticed a collections account from Jefferson Capital for a XXXX XXXX account that is not mine. The original creditor listed is XXXX XXXX. The amount shows as {$2100.00} I have no knowledge of this account. I have never had an account with XXXX XXXX. Upon contacting XXXX, they confirmed that they have no account associated with my name, phone number, or address. This is clearly an unauthorized and fraudulent account. 

I contacted Jefferson Capital and disputed this collection account. They have failed to provide validation of the debt and have not removed it from my credit report. 

This inaccurate information is damaging my credit score and ability to obtain credit. I am requesting that the CFPB immediately open an investigation into this fraudulent account and require Jefferson Capital to validate the debt or remove it from my credit report. Please also require the credit bureaus to delete any reference to this unauthorized collection. 

I have attached copies of my my correspondence with XXXX XXXX, and my dispute letters to Jefferson Capital as evidence. 

Thank you for your assistance in resolving this matter. Please let me know if you need any additional information from me. I look forward to your help correcting this unlawful entry on my credit file
Product: Checking or savings account

I made an in-person branch deposit at Bank of America yesterday ( XX/XX/XXXX ) of a XXXX courtesy check. The teller processed the deposit, and handed me a receipt which indicated Hold Codes and explained part of the balance would be available XX/XX/XXXX ( Hold Code A - " A standard hold was placed on your deposit to help protect you and the bank from losses in event the check is returned unpaid ), and the remainder XX/XX/XXXX ( Hold Code D - " A hold was placed on your deposit because your deposited checks totaled more than {$5500.00} in one day '' ). ( Image attached ). This was expected, as I've used courtesy checks in the past.

Today, I received an email stating that " specific information indicates item may be returned '' and that now they're holding the entire amount until XX/XX/XXXX. One day after the check is required to post. 

It is a XXXX check, and there is nothing that would indicate the check " may be returned. '' That wording would fit with two options on the Hold Codes ( Letters G and L ), but neither were applied to my particular deposit. 

The front of the check clearly gives XX/XX/XXXX as the date by which the check must post. I need the check to post by that date in order to have the 0 % APR, ( which I'm still paying {$600.00} to do ). The BofA customer service representative ( s ) I spoke with claimed that the post date ( now, apparently, XX/XX/XXXX ) could not be changed, nor could I cancel that check, although I was the one who wrote the check. If the check posts to my BofA account after XX/XX/XXXX, I will be subject to XXXX 's variable 16.40 % fee.
Product: Credit card

I have a SYNCB/XXXX  account on my credit report that I did not open and have no knowledge of the account. I also have never received a credit card from Synchrony BankXXXX card in the mail. This account also shows a payment history and Ive never made a payment to this account.
Product: Mortgage

I have been trying to get a payoff amount from my mortgage company for 2 weeks. My mortgage officer has submitted a request. My Title company has requested this 2 times. Each time the rep at Freedom Mortgage states that they are sending the payoff with per diem. The company has not complied with this request despite numerous contact encountered.
Product: Student loan

I signed a loan for my granddaughter because she had no other way to be able to go to XXXX school. She was paying her loan payments after she got her 1st job. She was a single mom raising a XXXX on her own. At times she struggled to pay it. They constantly taunted her and I for payment. My father died in 2007. At that time they filed a claim on me to get payment and succeeded. They took every bit of my portion of my dad 's estate. I am single and on a small income and needed that to survive. That was money my dad had worked hard for. I was XXXX on the job I had and could no longer work. You do not believe how inhuman they are. Letters and calls to me harassing me all the time. Still send letters of abundance just to get more. I tried to talk to attorney over them taking my income away. They do n't care. My granddaughter has recently lost her job and now with little money, they hound me. Help me to stop all this. I deserve my portion of my dads estate back. They are cruel.
Product: Checking or savings account

XXXX which stores checking and debit card info began attempting to withdraw money repeatedly from my Huntington account. I did not authorize this nor did I authorize them submitting it 3-4 times. 

I was charged a total of 10 {$37.00} returned item fees. I changed my debit card number and put a stop ACH on my account for this merchant, and yet they let them continue to try and empty my account without my permission and refused to refund me the TEN fees for one transaction which is ridiculous.
Product: Vehicle loan or lease

I believe my interest rate is way too high for my truck loan this has begun in XXXX XXXX of 2022
Product: Mortgage

I have been trying to get my loan modified for close to a year. Freedom Mortgage has 2 layers of underwriters in place before the submitted docs make their way to the official underwriter who does the review for loss mitigation. I have submitted a full application on a few occasions to have been told that I have a complete file, then the file goes to another underwriter and they need additional information. I provide that, then they say it wasnt received. 
Every time I submit documentation it seems as if they are looking for something to reject their being a full package. 
Also, they keep scheduling my foreclose sale date 30 days out which doesnt give me enough time to get them a full package for them to review as per CFPB guidelines. 
Their process is not streamlined, I do not have a SPOC, and every time I call I get different information. I also have not been receiving mortgage statements, and I have asked for them on a number of occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Addresses : XXXX XXXX XXXX XXXX, XXXX  XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Experian Addresses : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Employer : XXXX XXXX XXXX Inquiries : XXXX  XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecon XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Inquiries : XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I open a bank account online it was a joint account for me and my wife. So a week later I went to deposit a check issued from XXXX  in my wife name we walk into the Citi bank branch on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny deposited the check at a teller because we didnt receive debit cards yet the teller started the process and then went and talk to the bank manger which seem weird then came back and started to have weird small talk 2 hrs after that my account I deposited the check in which was savings was blocked and my checking was account was closed so I called Citi bank got transferred to the fraud department so I asked whats going on with my account they stated that my check was fraud and the bank blocked my account not them so at this point the bank is closed so the next day as soon as the bank open Im there to figure out whats going on the manger looked surprised to see us there so I explained to her whats going on I stated what the fraud department told me and she like oh let me check we dont block accounts at the branch but they back office ( fraud department ) told me it was them so she then say the check couldnt be verified which they never tried to verify the day I deposited it because she mark it off as fraud but now Im there facing what she did she cant from her decision so the check ended up being verified and cleared oh wow now its not fraud what changed we where profiled and discriminated against because we was black coming into to this Indian people bank and thought I wasnt gon na make sure they do they job so my accounts where unblocked and all open back up she apologized many times stating they dont do business like this thats not how its supposed to go I ask for something in writing stating what went wrong she look nervous like we cant give you anything so the next day my checking a account is closed again smh I have screens shots of the process
Product: Debt collection

I have made many attempts to rectify this situation with the credit agencies and XXXX XXXX. This account does not belong to me. I have asked XXXX XXXX to send proof that this account belongs to me and they have failed to do that. I have submitted a FTC Fraud Affidavit to XXXX XXXX and they have failed to remove this account from my credit file. This account was not opened by me. This account is perhaps a mistake in identity or deliberate fraud. Please remove from my credit profile or provide me with proof that this account was opened by me.
Product: Payday loan, title loan, personal loan, or advance loan

Originally, I signed up for a XXXX course with the XXXX XXXX who uses Affirm to allow customers to pay for their classes. However, upon taking my first test I learned that the course content did not follow a linear progression and started in the middle of the XXXX XXXX XXXX curriculum. I had to XXXX most of the quiz questions as the first course did not cover any of the material in the quiz. The XXXX Certification is a professional certification for project management professionals and can greatly improve one 's career. 

I contacted the XXXX XXXX XXXX this issue and they said because I took XXXX section I still had to pay. ( I shouldn't have to pay for a class that doesn't even cover the material in the proper progression and that I have to search online for the answers because it wasn't covered in the course. ) I started a dispute with Affirm who eventually sided with The XXXX XXXX. 

Now, Affirm is saying I missed payments and they will report me to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I have been disputing these accounts for over a year now. Each one of these accounts do not belong to me. Someone took my information and opened up these accounts without my permission. 

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  All of the accounts listed are not my accounts. I have been disputing these accounts for over a year and never got verification.