23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My husband was XXXX XXXX XXXX in XX/XX/XXXX, during this time we utilized a XXXX XXXX XXXX. We had the ability to pay at the time, until life decided to show us otherwise. Sadly we did not have the money to feed our kids, let alone pay a credit card bill. We tried to work with XXXX XXXX, but they kept garnishing my husbands military pay. Which we understand and are somewhat okay with now. During the next year we still were unable to pay our debt, our XX/XX/XXXX tax return was fully garnished to pay off our debt. Our debt was almost fully paid off and we thought things were pretty much finished. It wasn't for a few months later that we found out that XXXX XXXX was still charging us interest each month on the small amount of debt, they then hired XXXX to collect the said debt. XXXX added their crazy fees to the mix and we still owe over {$900.00} on a debt that was very close to being paid off. We tried to contact XXXX several times because XXXX XXXX told us that they could no longer handle our account. XXXX laughed in our face stating " its a XXXX XXXX, if you don't pay we will garnish all of your wages, then what? '' We sent a letter to XXXX requesting a hearing ( never heard anything back in months ), we have tried numerous times calling them, emailing them, each with nothing back. The last time we were able to actually contact them ( to where they actually talked to us ), we told them we could only afford {$50.00} a month in payments, they were quick to shoot us down and threaten that if we couldn't do {$100.00} a month, they would just take the full {$900.00} straight from our paycheck. For goodness sake, I have three young children, I served 13 years in the Military, I am a civilian XXXX XXXX making very little to live off of, but I am trying to make right on my debts the best that I can. I am so beyond dealing with this company, currently I am looking into an Attorney because several other AAFES card holders are experiencing similar issues and I don't see how this is fair. The card is too easy to obtain, because they know they can add as many fees as they want and either way it will be paid to them through garnishment. We have people struggling, but yet AAFES has enough money to hand out THOUSANDS of " STAR GIFT CARDS '' each month to winners of the contest, but someone who can not afford to feed their children due to an issue with Military Pay can suffer. If they make enough money to afford these lavish contests, maybe they need to reconsider their stand on life.
Product: Prepaid card

I purchased XXXX XXXX cards, {$50.00} each, late XXXX or early XXXX of 2023 as holiday gifts for my son and daughter in law in XXXX Va. I live in New Jersey. 

My son and daughter in law informed me that when they tried to use the cards, there was no money on it. They were drained. They called the number on the card and were informed that the cards were used at a XXXX store in California. They continued to call and ask for the cards to be restored but got nowhere. The last XXXX numbers on the cards were XXXX and XXXX. 

I wrote on several occasions to the CEO of XXXX I'm reasonably sure he never got the letters. The answers I got were that XXXX is not responsible. I have to talk to the bank. I contend that XXXX  is the enabler in these thefts as their name is on the front of the card. No one would buy these cards from some unknown bank. They buy because it says XXXX  or XXXX or XXXX. i got nowhere. I have also written to XXXX XXXX and my Representative XXXX XXXX concerning this. 

I did call the service provider Incomm and after several hours of waiting and talking I got someone who said they would send me a new card. And they did but not only did it have no money on it the card said it was non reloadable so it is useless. Although it is good The last XXXX of the card is XXXX. All cards were issued by XXXX XXXX XXXX. The cards are distributed and serviced by Incomm Financial Services Inc. 

Also, I emailed the city attorney of XXXX XXXX who has a lawsuit against Incomm and Vanilla because they do not have the proper security on these cards to prevent them from being drained.
Product: Checking or savings account

On Thursday afternoon XX/XX/2023 around XXXX my husband received a phone call from a teller at a regions bank in XXXX Tennessee asking him if we wrote a check for {$4700.00} to a XXXX for jewelry bc she had a suspicious feeling about the person trying to cash this check and he said no and she advised him to contact our local regions where we live in XXXX XXXX At that time when we went to call it was too late a check was already pending in our account for {$4800.00}. I was able to find out this specific check was cashed in XXXX Tennessee at the XXXX XXXX XXXX. The check number used was check # XXXX which I still have in my checkbook ( the last check I wrote was check # XXXX to a company ) and it appears this is not a washed check but an actual fake check, on this check the font is different, and wording and safety thing next to the amount and things missing just a fake check altogether with my account info and name. I noticed a transfer from my savings to my checkings account in the amount of {$3000.00} was made immediately before the teller cashed the check. I filed a police report with a detective at the XXXX ga police department Friday XXXX XXXXXX/XX/2023 and then went to directly to regions bank in XXXX XXXX and filed a fraud claim for the check. I have not been refunded my fraudulent stolen money and am very upset that when presented everything I have to wait 30+ days to receive my funds back without a provisional credit given to my account because the amount is too large well how do you think I feel when my bank was drained and I have kids and a mortgage and bills to pay. I have contacted regions customer service who was the one who gave me all the information on where the check was cashed, presented me with that specific tellers ID # and how the transfer occurred the transfer was not an internal transfer thru electronic banking but occurred in the form of an ACH deposit which they said took place in the branch or over the phone, and they said over the phone they can not transfer more than {$1000.00} which left only one other option the teller who cashed the fraudulent check at the XXXX XXXX transferred the funds from my savings to my checkings in order to cash this check. Is she did not do that transfer the check would not have been able to be cashed and I would still have my money. This is now an fdic issue and Im just very disappointed in the lack of urgency to resolve this claim and return my money to me and my next step is hiring an attorney if I do not receive my money back by the weekend.
Product: Checking or savings account

I received notice that chime was ending my banking relationship and closing account on XX/XX/scrub>XXXX XXXX XXXX  I spoke with them several times asking for a reason why because I felt this was an error. Chime said theyd mail a letter detailing everything to me. What they sent was a letter stating my account was closed without explanation ( emailed ).
Product: Mortgage

DATE OF LETTER ; XXXX They put too many obstacles in place to pay down your mortgage. Wen you set up your account for them to make pay bi-weekly thru auto withdraw from checking account they do not post payment until the whole payment is in. I was just informed they will no longer be accepting bi-weekly payment, after I set up automatic withdraws over a year ago and have been taking payments out bi-weekly that they control. I had not wanted them to have access to my account but it was the only way they would accept bi-weekly payment and post them in a timely manner. I feel that they want the consumer to spend 30 years paying the mortgage at this point and i have had nothing other then problems with this company since my home loan was assumed by them due to it being sold off to them. I have worked with many other mortgage companies and never had so many problems.my complaint is why are they dropping or saying they no longer accept bi-weekly payments and is it even legal do pull this stunt? 
i attempted to contact them but after being on hold for about a 1/2hr. i finally hung up.
Product: Debt collection

Budget Control svcs Derogatory marks from unknown sources Inaccurate information added to my credit report with out my knowledge Dispute charges for unknown collection
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX consumer and natural person, am aware of all rights that I have, and which are protected by the Congress under the Fair Credit Reporting Act. ( FCRA ) XXXX XXXX XXXX, and XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. XXXX XXXX XXXX, and XXXX  Illegally obtained personal and private information and sold it to other reporting agencies, including XXXX, Equifax, and XXXX. I did not grant XXXX XXXX XXXX, and XXXX permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders. 

AS the consumer and natural person, I am invoking specified remedy and make the following demands : Cease and desist reporting of XXXX XXXX XXXX, and XXXX  filings to all consumer report agencies. 
Remove reporting of XXXX XXXX XXXX, and XXXX from all consumer reports. 
Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA Regards, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Permanently limited my Paypal account XX/XX/2022 2022
Product: Checking or savings account

I am having issues opening up a Capital One Bank 360 Checking Account. Capital One Bank is discriminating against me deny me credit and an opportunity to open up a checking account due to a previous Capital One Bank 360 Checking Account that was discharged in bankruptcy court under Chapter XXXX. Capital One Bank is also discriminating against me because of my race, me being XXXX American ( XXXX ). Capital One Bank is in violation of of the 1974 Equal Credit Opportunity Act ( ECOA ) under federal law. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - The company will not place a security freeze on my file even though I have explained that there have been attempts in the USA to steal my identity. I completed the online security freeze form, which requested proof of my current address in the USA. I have lived abroad and XXXX, XXXX has been my home since XX/XX/XXXX. 

XX/XX/XXXX - I called the company about the security freeze explaining that I could not provide proof of XXXX residence since I live abroad but still deserved to have my consumer file frozen. I explained I was trying to stop attempts in the USA of stealing my identity or identity fraud. I do use my family address to receive my bank statements ; however, I do not have any bills or any other form of mail in the United States and my license has long expired.

The woman screamed at me to listen to her. She said she had to verify my US address. How can a US citizen living abroad prevent ID theft if they can not show proof of US residence? Others credit reporting agencies have asked me security questions which I was able to answer to authenticate my identity. Why can not this company do the same??
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Accounts : 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 Inquiries : 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: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I began shopping around for a vehicle and I visited 3 different dealerships. I visited XXXX  XXXX XXXX XXXX XXXX, XXXX, and XXXX. At XXXX, I was approved for a new car. Upon looking at my credit report, all three dealerships ran my credit through several credit approval companies. I have a total of 46 credit inquires across the three credit bureaus within a 7-day time frame. XXXX  XXXX XXXX XXXX XXXX XXXX placed a hard inquire on my credit 22 times. I sent letters to each of the individual companies and received a letter stating I agreed to them running my credit by providing the merchant my driver 's license. I did not agree or approve these companies to run my credit 46 times through several different companies, including those I have never heard of. XXXX XXXX could have used the first inquire as it remains available in the system for 30 days. I was preapproved through XXXX XXXX and presented my preapproval to each of the dealerships. Unfortunately, all three of the dealerships ran my credit through several agencies without my consent. I did not authorize these companies to run my credit or view my credit report. I have contacted these companies several times to request the removal of the inquire and even hired a law firm to help, but they will not budge. I also contacted the three major credit bureaus and I did not receive a response. 46 inquires across 3 credit bureaus within 7 days are truly excessive and violates several consumer laws. I would like all 46 inquires removed from my credit. I did not provide written or verbal consent for this to happen and I am saddened and truly devastation I am not being heard. These companies have caused unnecessary harm. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX/MAIL-Date of Inquiry XX/XX/XXXX XXXX  XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After filing a dispute with XXXX about inquiries that are located on my credit report also supplying documentation from companies stating that the information on my credit report was incorrect and should be deleted all they did was update information instead of deleting the incorrect information. They receive documentation XX/XX/XXXX and updated the information the same date without verification
Product: Credit reporting or other personal consumer reports

I have sent many disputes and need this account by Midland and XXXX XXXX removed from all reporting agencies. My previous dispute letters and other documentation are in the attachments.
Product: Credit reporting or other personal consumer reports

I see inquiries reported on my credit that wasnt me
Product: Checking or savings account

Was quoted a XXXX apy and I confirmed with with banker the source of funds numerous times and went ahead with opening the new account. Transferred my money into the account and was bait XXXX switched.
Product: Credit reporting

On XXXX/XXXX/15 I received an e-mail from XXXX regarding a change in my credit history. When I typed in my user name and password it was rejected twice. I was then directed to a form which asked for my social security number and birthdate. I typed in the first XXXX numbers of my social and then stopped, fearing this was a phishing fraud. I have contacted Equifax regarding next steps I should take to protect my information but have received no response.
Product: Debt collection

Sunrise Credit Serviced collects for XXXX XXXX XXXX  a utility company. 
I have not lived in this apartment for XXXX years. I called XXXX XXXX when I moved out and closed the account. I have contacted them numerous times. They confirmed it was an internal error on their part and the account was not fully closed. The new tenants never opened and account or paid a bill and were accruing monthly bills on my account that was suppose to be closed. Sunrise Credit Services are using harassment techniques calling more than XXXX a day at all hours as early as XXXX and as late as XXXX. I have spoken with them also the female representative was nasty, used abuse language, threatened my credit report and this is the third time doing this that I have to dispute to get it off my credit.. Each time it is removed. This must stop.
Product: Credit card or prepaid card

XXXX Bank closed credit card against my will and without reporting to me because of " delinquency '' -harming my credit, while an active dispute of fees and interest was still going on due to XXXX directly affecting managing of bill payment correctly ( not lack of funds ). Need correction of " delinquency '' report to credit and approval of reopening of card ( as I need it to use my unexpired reward certificate ) XXXX-Reward certificate expired for companion fare that had already been paid for with annual fee, due to active XXXX symptoms preventing recreational travel planning. Requesting either reinstatement of certificate with 1 year of eligibility from reissue date, or refund of {$75.00} annual fee
Product: Credit card or prepaid card

On XX/XX/XXXX, I phoned Bank of America Credit Card Claims to notify the Bank of a potential dispute involving charges assessed during the previous XX/XX/XXXX and XX/XX/XXXX by a landlord that charges " accelerated rent '' and had been endeavoring throughout my three-and-half years as a tenant -- as such landlords are wont to do -- to manufacture a pretext for either evicting me or forcing to vacate prematurely in order to maximize the illicit profits to be derived from Clause # 27 of the Lease Agreement that allows the landlord to collect the full rent due under the remainder of the original lease term if a tenant breaks the lease without the landlord 's permission for any reason, without any obligation to re-let the apartment after the tenant vacates. I was told by the Bank at the time that the credit card payments I had made pending the landlord 's response to my request from XX/XX/XXXX to terminate the lease by mutual consent over the landlord 's most recent efforts to defraud me by forcing me to vacate prematurely through willful negligence -- by steadfastly refusing to address a toxic mold infestation in my apartment that I had initially reported to the landlord on XX/XX/XXXX, even after complaining to Municipal Code Compliance on XX/XX/XXXX and XX/XX/XXXX -- were not too old to dispute and that the Bank " had my back '' in the likely event that I was not able to come to terms with the landlord. Nonetheless, when I followed up with the Bank on XX/XX/XXXX to formalize my disputes upon being forced to vacate on XX/XX/XXXX after the landlord falsely alleged on XX/XX/XXXX that I was a holdover tenant without assessing the double-the-rent penalty provided for under Clause # 12 of the Lease Agreement in the event of holdover tenancy and demanded that I vacate my apartment within ten days ( my initial lease term had expired at the end of the previous year, at which point I became a month-to-month tenant while addressing fallout from the sudden demise of my mother on XX/XX/XXXX from XXXX XXXX ), I wound up ultimately being informed on XX/XX/XXXX by the Bank that the charges were indeed too old to dispute ( after being previously informed on XX/XX/XXXX and XX/XX/XXXX that my disputes had been closed because of failure to provide documentation, while also being incongruously notified the previous day that I would need to submit supporting documentation by XX/XX/XXXX ) and that since the charges did not involve fraud, the bank could not uphold my disputed charges and that they would therefore not be forwarded back to the merchant to seek clarification regarding why they were legitimate in the face of the new ( as of XX/XX/XXXX ) Georgia Code 44-7-24 that allows landlords who engage in retaliatory conduct to be penalized as much as {$500.00} and one month 's rent ( or {$580.00}, in my case ) for each separate incident of retaliation in response to tenants reporting a landlord 's negligence to local or federal authorities.
Product: Mortgage

Selene Finance is not abiding by any rules that were enacted to help homeowners experiencing a hardship during Covid. They state i filled out and already submitted a mortgage assistance application request which is impossible. I have not filled out anything yet for much needed mortgage assistance and am trying to do so now. Only Selene states that XXXX is the one who informed of them of such mortgage assistance application that i filled out as they transferred me over to them at the beginning of the year on XXXX Am I missing something? When did word of mouth between servicers become acceptable for something like this? I need to see these documents that XXXX states I supposedly filled out. 

Please note, anything that is produced that is being used as an submitted application for assistance from me is going to be 100 % false and constitutes fraud. I have not filled out any such application yet and am trying to do so now. 

Aren't there rules XXXX must follow? How can they just state and do whatever they want? When is word of mouth from another servicer good enough over the actual homeowner who would know if he or she filled out something and submitted it or not. 

Please submit these documents for mortgage assistance that i supposedly filled out and submitted. If there are such docs that can be produced, those docs were not filled out by me and that constitutes fraud. 

Please see attached docs for backup to what i say.
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX, I have not added any accounts, loans, or used any credit cards, my score was XXXX. There was just one account that was closed in XXXX and I've made no changes. In XXXX months time ( XX/XX/XXXX to XX/XX/XXXX ) Transunion lowered my score from XXXX to XXXX. 
The account I had closed in XXXX reappeared onto my credit report. 
I disputed this account with them and they removed it off my credit report. However, it's now been XXXX months and they have made no changes to my score after they made the initial error.