23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was contacted by an unsolicited telemarketing phone call on XXXX XXXX 2014, by a salesperson named XXXX from XXXX, she asked me to pay {$390.00} for a package including XXXX websites : XXXX for shopping, XXXX for travel and XXXX for green products, and I would make 15 % commission on anything sold on these sites, including commission on my own purchases, I paid the fee with my Amazon Visa Card, later on about a week after XXXX called me again and offered me a new package, It would cost me {$10000.00}, she said I would be part of a special group of customers that would participate in a year long marketing campaign. I would be paid a referral bonus of {$100.00} for any new people that signed up for a website package like I did.I was also told that I would receive a 5 % commission anytime anyone clicked on a banner and placed an order linked to my website. She told me this program would also push to each of my websites and that I would be able to monitor that traffic. I was told that this service would also include a lot of work on my new websites to make them more unique. Needless to say I ended up paying that fee once again with my Amazon Visa Card. 

I checked my websites and they were all spelled incorrectly, from what me and XXXX talked in the beginning, so any traffic being pushed there would be a waste of time, I contact them and requested that they correct the problem.They did a couple of weeks later but also I got notified on XXXX XXXX that my " year long '' advertising campaign had ended, I paid for a year and I got that notification 3 months after, I informed them I paid for a year and I expected a year 's worth of service, they ignored my request. They were stringing me along with excuses every time I called them. I contacted customer service around XX/XX/XXXX and found out I had a new account manager named XXXX XXXX. He told me that my websites were being totally reworked and that I would be happy with the results. I have n't heard from him in the next weeks.Then I got an email from Customer Service talking about " the new affiliate process ''. It was then I saw that my XXXX websites had been transformed without my permission or knowledge to an Amazon affiliate site. I called and asked what was going on and XXXX told me the company has changed hands, I was not happy with the site at all. I told him that this materially changed the contract I had entered with AOD XX/XX/XXXX and that I was n't happy with the change, after I sent that email XXXX did not return any more calls from me, then I found out later that my site was switched to XXXX. They breached the contract and they effectively put me out of business by shutting down my website.
Product: Debt collection

I had a debt from XXXX XXXX XXXX that went into collections and was contacted by Alpha Recovery Corp for the balance of {$1200.00}. I agreed to settle this debt for a lower amount of {$1000.00} in XXXX of 2022 and a payment plan was set up which was completed in XX/XX/2022. I have now been informed through my credit report that I owe a balance of {$360.00} to XXXX XXXX XXXX. Alpha recovery Corp has since been permanently closed and I am unable to obtain records through them. I have asked XXXX XXXX XXXX where the {$360.00} came from as this amount does not match my records. They were unable to obtain a breakdown of where the {$360.00} balance came from or how it was calculated. Instead, I was given another opportunity to settle the debt that had already been paid for {$100.00} stating this was the balance still owed per the settlement agreement. I have email correspondence from Alpha Recovery Corp outlining the initial settlement agreement and I have bank statements showing proof of my payments. I never received any correspondence from Alpha Recovery Corp or XXXX XXXX XXXX that this debt has not been paid or settled as agreed and the only correspondence I have received was through the credit reporting bureaus.
Product: Vehicle loan or lease

Bought a car on XX/XX/XXXX with US auto sales in the amount of {$21000.00}. Company then filed bankruptcy and sold my lease/loan to another company Westlake Portfolio Management for the same amount when we first purchased the vehicle. We were already making payments on the vehicle but when Westlake purchased the loan/lease it started over. Westlake did not have GAP insurance coverage like we did with US Auto and paid for in the original lease/loan amount and we were supposed to have some kind of coverage for repairs and a place to take the car specifically for said repairs, unsure as well as to what other coverage or costs were supposed to be taken over by Westlake from original contract with US Auto Sales . Made many attempts to reach out to US Auto Sales but since they closed down and filed bankruptcy could not get a hold of anyone and did not know how. I also tried speaking with Westlake but they basically told me that there is nothing that can be done. On my Westlake profile the only info I can get is the amount financed which is the {$21000.00}. Maturity date XX/XX/XXXX. Original term XXXX. Annual percentage rate 19 %. Bi weekly payment amount {$230.00}. I also tried speaking to Westlake about changing my payment date from XXXX XXXX XXXXXXXX because my husbands payday changed and they said it couldnt be done because thats the way my original contract was set up but they dont honor everything else we paid for in said contract.
Product: Bank account or service

I have a CD maturing at Ally Bank in 2 days. I called to renew it. 
XXXX told me she would renew a 5 yr CD @ 2 %, with a 2 month interest penalty for premature withdrawal. I asked her to put it in writing ( email ), she said she could not. Her word is good enough??? Are you kidding?? 
I suspect they are lying on the phone.
Product: Checking or savings account

Hello CFPB, I am a victim of online ID theft. My full legal name is XXXX XXXX and my CA Driver 's License # is XXXX. 

Unauthorized XXXX transactions fraudulently transferred from my Bank Of America Checking Account with Account # : XXXX and two Bank Of America Debit Card Accounts with Card Account # s : XXXX and XXXX. I did not create the XXXX account and I did not transfer money at all using this XXXX account online. 

Transactions started on XX/XX/XXXX and ended on XX/XX/XXXX. The total # of transactions that are fraudulent and unauthorized in nature is 18 across all 3 accounts numbers mentioned above. 

I detected the fraud in XX/XX/XXXX/XX/XX/XXXX but could file final Claims with Bank Of America for reclamation and refund of money only in XX/XX/XXXX and XX/XX/XXXX. The total amount of money transferred fraudulently from my Bank Of America Checking Account with Account # : XXXX is {$6900.00}. The total amount of money transferred fraudulently from my Bank Of America Debit Card with Account # : XXXX is {$2000.00}. The total amount of money transferred fraudulently from my Bank of America Debit Card with Account # : XXXX is {$6900.00}. 

The total amount of money transferred fraudulently and without authorization across all 3 Accounts is {$15000.00}. I have filed 3 Claims with Bank Of America to get my total money back. Bank Of America has so far only done a temporary credit for the transactions against my Checking Account with Account # : XXXX for {$6900.00} and against my Debit Card with Account # : XXXX for {$2000.00}. 

Bank Of America has rejected my 3rd Claim for credit of money against my Debit Card Account with Account # : XXXX for {$6900.00}. 

I have an Affidavit signed with a Notary Officer of the XXXX XXXX County, CA as well as a Police Report filed with XXXX XXXX PD with Report # : XXXX as well as a Police Report filed with XXXX PD with Report ID : XXXX to use as reports for my ID Theft case. 

Please look into making sure justice is served here and that I get total money of {$15000.00} back including the pending amount from the rejected 3rd Claim of {$6900.00} AS SOON AS POSSIBLE from BANK OF AMERICA. 

Thank you, XXXX XXXX, Mobile # : ( XXXX ) XXXX Email ID : XXXX XXXX
Product: Credit card or prepaid card

To Whom It May Concern : The reason for me filing this complaint with your agency is due to Conn 's store refusing to issue a credit to my credit card for a purchase I had cancel. The business practice of Conn 's is unacceptable and they don't have the right to withhold refunding my money back onto my credit card, but instead, Conn 's decided to retaliate and hold my credit card hostage due to the fact I change my mind about purchasing the appliances. This is fraudulently and I request that Conn 's issue a refund {$1900.00} immediately to resolve this complaint. 

Respectfully, XXXX XXXX
Product: Mortgage

I had automatic payments set up to pay my mortgage monthly. On XX/XX/2020, I submitted documentation ( as requested by NewRez Shellpoint located in PA ) to have my monthly payments be switched to biweekly payments. Despite filling out all paperwork correctly, and following exactly what I was told to do, some type of human error was made and my account number was incorrectly listed. 

Because of this mistake on their end, I have now been late on four payments and have been charged four NSF fees. I have been in contact with this company repeatedly during the month of XXXX. I have made 10 phone calls and have 4-5 email conversations with them. Each time, they say the issue has been resolved, and within the next 2 weeks, another NSF fee is charged because an attempt is made to pull money from the wrong account. 

Payments from the wrong account were attempted on : XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. Four NSF fees were charged accordingly with each one of these attempts. 

On XX/XX/2020, I requested to be removed from automatic payments, because I would prefer to handle the situation on my own if the company can not. During a pressing time in our nation with the COVID outbreak, I am trying to make payments and not hurt my credit score. NewRez Shellpoint, however, seems uninterested in fixing the issue and actually receiving a proper payment from me so that they can continue to charge NSF fees. Despite my verbal and written requests to be removed from automatic payments on XX/XX/2020, an attempt was still made to pull money from an account that is listed incorrectly on XX/XX/2020 and fee was charged. 

Every time I call them, I am told that the issue has been taken care of. Then, within ten days, the same issue arises. This should not be an a problem that is taking over 50 days to resolve. Every single person I speak to is incredibly rude, despite admitting that I am not at fault here. I have been promised eight times that a supervisor would call me back, but have never received any phone calls. I have never experienced such poor customer service from a company that should be serving its clients. 

This feels like a purposeful attempt to prevent me from paying off my mortgage in a timely manner. All emails that have been sent have to be sent through their online portal, so I am unable to have those access to those documents myself. The emails are usually referenced by the specialist on the phone with me, so I know they are receiving them.
Product: Credit reporting or other personal consumer reports

My information was sold and brought illegally because I was a victim of Equifax data breach. I want all my information deleted from my credit report effective immediately. I have proof that Equifax has admitted that I was in fact a victim of this data breach. They haven't done nothing. Please help me to delete illegal accounts from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also 12 hard inquiries. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has listed debt as deliquent and charged off. The same debt appears on my credit report under another company, XXXX XXXX. These duplicative entries on my credit report are illegal and should be removed. The debt has also been re-aged as another date than XXXX XXXX XXXX. See attached screenshots my credit report from Experian.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX BALANCED {$440.00} XXXX XXXX BALANCED {$710.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00} XXXX  XXXX XXXX BALANCED {$710.00} XXXX XXXX BALANCED {$0.00}
Product: Debt collection

Credit Control. LLC at XXXX calls constantly to collect a debt from someone Ido not know.
Product: Credit reporting or other personal consumer reports

After receiving a copy of my monthly consumer report I've noticed information that's inaccurate and doesn't belong to me. I reached out to Equifax asking them to investigate this information and accounts in which they didn't. I have accounts reporting that never had my consent to report in the first place. They say that I owe a debt but how can a debt occur if there was never a mutual agreement that took place? There was never a balance agreed to pay for a debt to occur. I believe that it is Equifax duty to ensure the maximum accuracy possible. They must do what's fair and equitable for the consumer. I am aware that I have a right to privacy in which that right was violated. By reporting this inaccurate information, my credit score is being negatively impacted which limits my ability to obtain relationships with potential lenders and institutions. Numerous violations are being reported. 

Violations committed by Equifax : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information
Product: Credit card or prepaid card

I have always made my payment on the XXXX of the month. ( I keep track of my payments in a calendar set aside just for bills. ) I always go right to the Capital One website to make my credit card payment. In XXXX, I went to the website to make my monthly payment. I discovered that my due date had been changed! What!! I had not been notified of this change. I called Capital One. They made an adjustment to my account. Taking back the late fee, for not having made my payment on the XXXX of the month! I told them, that I did NOT want my due date changed, it has worked for me for as long as I have had the card. The woman I spoke to, said, its the new program and I can not have my payment due date on the XXXX, but I can have the XXXX. I said, okay. I will make that work. 
Along comes XXXX, and what happens once again?! Yes, the due date was the XXXX!! And yes, I got yet, another late fee! I called and went around and around in circles. I was on the phone for at least 45 minutes. Speaking with a supervisor as well. My minimum has been, I'm not sure. Usually around {$35.00} I think. I usually pay {$40.00} or {$50.00} a month. Now this month, XXXX, my minimum due is {$130.00}! What!! The supervisor could not tell me why. Even if it was the minimum due and the late fee, it would only be {$84.00}. But, I don't feel that I should have to pay ANY late fee. I was never notified that my due date was changing, then calling, I was told it was changing to the XXXX. Isn't there something that says we as consumers, should be notified that a due date is being changed?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you because I found accounts on my credit report that does not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  continues to maintain Hard Credit Inquiries on my Credit Report that are unauthorized. I have notified each company by mail and phone more than once more than twice. Dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX etc. I contacted XXXX  Credit Bureau by phone and mail. I was told by XXXX  that credit inquiries are FACTUAL, I don't ' know what that means and when asking the XXXX  representative the explanation I got was that the credit inquiry had to be authorized by me and that the credit inquiry must remain for two or more years. So my question is if a hard inquiry is not connected to any accounts on my credit report and the same hard inquiries are displaying more than one time, why would that be factual? Please help me. With all these security breaches and Hurricane Florence I have been displaced from my home and now living with family. This is a hardship for me as I am trying to make sure that my credit reports are displaying the correct information.
Product: Checking or savings account

I tried three times calling BoA to close my saving account. However, I have never been connected to a customer representative for over 20 minutes waiting time.

Every time I made a phone call, the system asked me to wait, but finally, the background music stopped and no customer representative spoke to me.
Product: Credit reporting or other personal consumer reports

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be updated as agreed in this payment history. Else, DELETE this account immediately! 

XXXX XXXX  - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be updated as agreed in this payment history. Else, DELETE this account immediately! 

XXXX XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be updated as agreed in this payment history. Else, DELETE this account immediately!
Product: Credit card or prepaid card

While at XXXX XXXX on XX/XX/2021, I witnessed a cashier encourage a consumer to apply for a new XXXX XXXX card in order to get a 50 % discount on her purchase that day. The cashier and the consumer both acknowledged that the consumer already had a XXXX XXXX credit card but agreed that she should get a second one to get this discount. It seems like a terrible practice to encourage consumers to get multiple credit cards from the same store. It is not reasonable to assume the average American can manage multiple cards from the same store. It is more likely they will run up larger credit card bills by using both cards. XXXX XXXX should strongly discourage their cashiers from this practice. It is not in the best interests of their customers.
Product: Debt collection

There is a company Sequium Asset Solutions who have contacted me via mail on multiple occasions initially when I received the letter I tried reaching out to them this was XX/XX/2017. They have yet to answer the phone I have called them, sent letters and have disputed the account with all three credit bureaus. It was removed from one and not the other two I have even reached out to the original creditor in regards to the account. They could not give me any information because none of the info I gave them matched this account. This is NOT my account I had no knowledge of it prior to XX/XX/2017 and had not given anyone permission to use my info for this company I would like them to be removed off of my credit files ASAP.