23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

rush card, stated that there was computer maintance on XXXX/XXXX/2015. I was unable to withdraw any money from XXXX/XXXX/2015 untill now XXXX/XXXX/2015, and i still can not with draw any money, or even speak to any one at the XXXX XXXX XXXX, customer service number, the web site constantly goes down, and the only way to get any information is to XXXX, i don not tweet, i have to go on the XXXX page of XXXX and rush card to find infromation, but non is helpful. i have told throught face book that they are still woerking to get the problem solved, i also was told to send my social security number, name and adresson open web site and they would contact me, i did not do this, because i have already no acess to XXXX that is still tied up in this transaction. i have borrowed so far XXXX from co workers and getting alittle fed up with the prcoess, and the way this is beeing handled. please assist meThank you, XXXX XXXX
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. 
These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by XXXX XXXX XXXX XXXX, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Checking or savings account

will have to try to locate any emails that was sent and any mailed statements were lost when my vehicle was impounded in XX/XX/XXXX and I was unable to retrieve my vehicle and items out of it. Bank employees disputed and reversed transactions fraudulently causing my account to overdraft and crediting amounts in error and reversing funds on my accounts without my knowledge and authorization causing my account to overdraft. And when j confronted an employee on phone call, multiple phone calls, they lied, hung up, and did not provide proof in mail or email for me. A {$2200.00} stimulus check I used to open my account was disputed and took from my account and employee stated I made the dispute when I never did. The IRS never received the funds back either. So I three way customer service with IRS on phone and when the employee knew it's was on phone after stating check was sent back to IRS and the IRS employee said no it was not and started asking questions, the employee hung up on us.

I do not remember if my address on file was XXXX XXXX XXXX, XXXX XXXX, Nevada XXXX or if it was a XXXX XXXX XXXX XXXX, Nevada XXXX or a XXXX XXXX XXXX Nevada XXXX. My social security number is XXXX and my d-o-b is XX/XX/XXXX
Product: Debt collection

I do not have a contract with NATIONAL CREDIT SYSTEMS INC. I am not liable for collection. I am not liable for collection from the original debtor XXXX XXXX  XXXX XXXX XXXX. I was a co-signer for a debt that is already paid. This debtor is no longer established. I contacted the new management company who is now XXXX  XXXX XXXX- XXXX XXXX. They stated that they have no contract with my son XXXX XXXX ( signer ) nor myself XXXX XXXX. ( Co-signer ). I also attempted to contact XXXX XXXX who is the debtor. I was intercepted by a voicemail with no return call to request a contract signed to verify the two different amounts that they claim we owe. I have enclosed the info for all 3 parties. MY DESIRED RESOLUTION : DELETE FROM CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding a hard inquiry on my credit report from your institution related to an auto loan application initiated on XX/XX/2024, at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

While I visited the dealership and provided my personal information ( drivers license, Social Security Number, and date of birth ), I was not made fully aware of the impact of these actions on my credit report. I did sign a credit application, but I did not explicitly authorize a hard inquiry from your institution, nor was I informed that multiple inquiries might result. 

The key points of concern are as follows : LACK OF FULL DISCLOSURE : I was not informed that submitting my personal information would result in a hard inquiry from your institution. 
The dealership did not explain the potential negative impact on my credit score caused by these actions. 
DENIED APPLICATION AND UNNECESSARY IMPACT : The credit application was ultimately denied, meaning the hard inquiry served no useful purpose. The continued presence of this inquiry on my credit report is unwarranted and unnecessarily detrimental. 
EXCESSIVE AND UNFAIR PRACTICES : My credit report reflects XXXX hard inquiries related to this single event, which significantly impacts my credit score.

As a stay-at-home parent with responsibilities for providing necessities for my family, this unnecessary credit damage severely hinders my ability to secure credit for important purchases or to conduct essential business activities. 
Failure to Consolidate Inquiries : Credit scoring models typically consolidate multiple inquiries for the same type of loan made within a short period ( e.g., 1445 days ). However, the lenders involved in this process have failed to ensure that these inquiries were consolidated, amplifying the negative impact on my credit. 
GOOD FAITH EFFORTS TO RESOLVE : I am attempting to operate in good faith and obtain a resolution that reflects fairness and transparency. Despite my efforts to contact your institution and others involved, I have been unable to secure a resolution.
Product: Credit reporting

I submitted a Identity Theft affidavit to the company. The address on my XXXX report and the address the company shows i have never lived at. I never opened the line of credit. They will not remove the mark on my credit report. I mailed the affidavit via certified mail to the company. I have changed my name because of Identity theft.
Product: Credit card

In XX/XX/XXXX I received a letter from American Express stating that my APR was going to be increased. I called in XXXX XXXX to object to this increase to 15.24 %. I spoke to a representative named XXXX at XXXX, who put me on hold to speak to his supervisor to discuss my objection. He came back to the line and told me he was happy to tell me that my APR rate would not change and would remain at its original APR which was 10.24 %. I documented the employee 's name, date and time of call, and he gave me a reference number which is XXXX. When I received my XX/XX/XXXX bill I saw that my APR had been increased although I was told it would not be increased. I called and I spoke to XXXX representatives, XXXX supervisors, and a manager. I spoke to XXXX on XXXX/XXXX/15 @ XXXX XXXX ; he passed me on to his supervisor XXXX. XXXX told me he could submit a request for my APR to be reduced and file a complaint, but that was all he could. I was very frustrated as I wasted my time talking to them. I called American Express back during normal business hours the following afternoon, hoping to get better results. I was disappointed. I spoke to XXXX this time and he told me he could not do anything for me, so I asked him if I could speak to his manager. He encouraged me to push the issue as far as I needed to in order to get what I needed. He then passed me to his supervisor named XXXX. XXXX said that all he could do was offer me the XXXX dollars to compensate me for the increased APR on the purchases I made. I then asked to speak to his supervisor and he gave me XXXX. She was based in XXXX XXXX, Florida. She told me the same this XXXX said and was very apologetic. I accepted her apology, but told her that I wanted her company to keep their word and keep reduce my APR back to 10.24 % since they told me it would not be increased. They each told me that they do not know why the representative told me my APR would stay the same because he does not have the authority to do so. I told each of them to listen to the recording of the phone call, because he left to speak to a manger during the call. I am upset by this ; I made purchases on my card believing my purchases would be at my 10.24 %. The American Express employees that I spoke to said the best they could do for me is give me XXXX dollars to cover the difference in the APR for the next few months. XXXX dollars does nothing for me ; I want them to keep their word and reduce my APR back to my original 10.24 %.
Product: Checking or savings account

I was victim of a hostile account takeover in XX/XX/year>. My information was used against me in a fraud case and Citibank accused me of it being my fault. They took calls from someone who wasn't me and gave them my information so that they could get me to transfer them money. My debit card at the time was used at an office depot in Florida and fraudsters used this transaction against me. Since then, Citibank has refused to give me my money back and has blamed me for this incident. The amount of {$14000.00} was stolen from me and Citibank refuses to give me my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company or Organization : XXXXXXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$1100.00} This item was apart of identity fraud. I filled out the affidavit on identity theft. Gov also disputed the accounts and these accounts were not taken off. I have no acknowledgement of these accounts. 

Utility Account Opened by the Thief Company or Organization : XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$240.00} This item was apart of identity fraud. I filled out the affidavit on identity theft. Gov also disputed the accounts and these accounts were not taken off. I have no acknowledgement of these accounts. 

Fraudulent Mobile Phone Account Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$200.00} This item was apart of identity fraud. I filled out the affidavit on identity theft. Gov also disputed the accounts and these accounts were not taken off. I have no acknowledgement of these accounts. 

Credit Card Opened by the Thief Company or Organization : DISCOVER BANK Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$0.00} This item was apart of identity fraud. I filled out the affidavit on identity theft. Gov also disputed the accounts and these accounts were not taken off. I have no acknowledgement of these accounts. 

Credit Card Opened by the Thief Company or organization : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX TOTAL FRAUDULENT AMOUNT : {$0.00} This item was apart of identity fraud. I filled out the affidavit on identity theft. Gov also disputed the accounts and these accounts were not taken off. I have no acknowledgement of these accounts. 


Credit Card Opened by the Thief Company or organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$0.00} This item was apart of identity fraud. I filled out the affidavit on identity theft. Gov also disputed the accounts and these accounts were not taken off. I have no acknowledgement of these accounts. 

Credit Card Opened by the Thief XXXXXXXX XXXX XXXX XXXX company or Organization : Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$170.00} This item was apart of identity fraud. I filled out the affidavit on identity theft. Gov also disputed the accounts and these accounts were not taken off. I have no acknowledgement of these accounts. 


Credit Card Opened by the Thief Company or Organization : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$180.00} This item was apart of identity fraud. I filled out the affidavit on identity theft. Gov also disputed the accounts and these accounts were not taken off. I have no acknowledgement of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. A number of fraudulent tradelines, fraudulent/false personal information, as well as fraudulent inquiries were added to my Equifax credit file. I have made several attempts to resolve this matter with the creditors, as well as with Equifax. Equifax has been complicit with facilitating this fraud, as they repeatedly denied me the opportunity to dispute the fraudulent activity directly through Equifax. Equifax has repeatedly, and routinely updated my credit file with false information. I have complied several times with Equifax 's request to forward a copy of the police report detailing the identity theft that I experienced. I have also complied with responding to several requests by Equifax to verify my identity. I received another letter from Equifax on today that was dated XX/XX/2018 again requesting that I verify my identity. I mailed to them the fourth copy of my driver 's license and social security card. Equifax is stating that my information does not match what they have on file. My response has always been that ; " that should prove that these fraudulent accounts do not belong to me. '' How is Equifax verifying, and updating my credit file without accurate information. Lastly, after contacting Equifax again on today ; I was told that Equifax will not investigate the fraudulent accounts, or fraudulent inquiries listed on my credit file.
Product: Mortgage

I received a letter dated XX/XX/2020 titled Annual Escrow Account Disclosure Statement. On this letter, NewRez Mortgage aka Shellpoint Partners LLC, advised that my escrow account was short by {$910.00}. Due to this shortage, my mortgage payment amount would increase from {$1600.00} to {$1800.00}. If I were to pay the shortage amount of {$910.00}, my new mortgage payment would only be {$1700.00} which takes into consideration a possible increase in property taxes. 

I first sent a payment of {$910.00}, specifically notating that it was an escrow shortage payment. Then two days later, I made the agreed upon payment of {$1700.00}. Both payments were accepted, but the {$910.00} payment remains un-applied and the new mortgage payment amount does not reflect the escrow-only payment I made to the account. 

I have called and spoken to several representatives about this matter - initials provided for privacy ( XXXX XXXX, XXXX XXXX and XXXX XXXX and many others ) When I finally spoke to XXXX XXXX he was able to make a note on my account to apply the {$910.00} to the escrow shortage, but the other representatives were completely useless i.e. transferring me to disconnecting numbers, transferring me to fax lines, or just disconnecting the line once they discovered they were not able to assist me. 

The issue has not been resolved to this point, and my account will show delinquent, though it is not. I am going to continue to pay the amount notated in the XX/XX/2020 letter NewRez sent to me, though their online records reflect a different ( incorrect ) mortgage payment amount due.
Product: Credit reporting, credit repair services, or other personal consumer reports

i submitted a dispute with equifax. they emailed me and said they have the results and i can view them by clicking on icon. i did this and filled out all my personal information, which i am sure is correct i did it 5 times. twice it let me get it to a questionnaire section, with i answered all the questions. the all were on accounts supposedly on my file. this brings a new concern and complaint. i have not applied or opened any accounts from XXXX till XXXX the first account applied to was in XXXX all the questions say i have accounts opened in this 11 year period which would be false. so they wont let me access the results or information or give a number that i can call to speak to somebody to begin to straighten out this mess. this is very aggravating especially know all the credit fraud thats going on, and this is supposed to be the source to correct any, what a joke.
Product: Debt collection

XXXXXXXX XXXX XXXX acting on behalf of American Express has been contacting family members despite a resolved complaint to the CFPB on XX/XX/2020 where Amex stated they would no longer contact at least one family member 's home and cell numbers. They have been doing so in breach of the FDCPA and TCPA by utilizing robocallers as well as spoofed telephone numbers such as XXXX.
Product: Debt collection

I would like to file complaint against Blitt and Gaines PC. This is a third party debit collector. I have a very old debit from 2009. I have proof and documents that I had a payoff and settle agreement with another collector. Blitt and Gaines decided to garnish my wages on the same account. When I recieved notice of the garnishment I submitted proof from the other collector the settlement prior to the court date. Blitt and Gaines advised that they will not except the documents I sent and that if I paid over {$13000.00} to them they will close the account. I told them I dont have {$13000.00} and they told me they were going to go ahead and garnish and there was nothing I could do. Of course I do not know my legal rights and thought that because this stamped paper I had no defense. I then proceed to get multiple calls from other collectors for the same account. One collector advised that they would garnish my wages and I had to send proof. This got me thinking how and why. I called the origional collector and they advised on two seperate occasions that my information can be put back into the system. I called Blitt and Gaines and I guess they have held on to this account for a long time letting it build interest. When I asked why they didnt contact me they said they sent a letter over a year prior which I never recieved. When I asked why they didnt except my proof they acted like they had no idea what I was talking about. When I asked who is collecting the interested they could not give me a answer, when I mentioned I was going to record our call they hung up on me. When I asked for verification they sent me a court paper with some other collector on it, nothing said Blitt and Gaines only the envelope it came in. I found out I can contact court documents and get the same thing, I can also print off a wage garnishment form online as well. I contacted the origional collector XXXX XXXX. I was able tosubmit the proof to them. I got a call the day after I submitted the proof and they advised that this account should be closed. I had a hard time but was able to get to the collector I had the settlement with for a payoff. I submitted this to XXXX and they still havent closed the account. I have now been garnished over {$8000.00} on a settlement of {$2800.00} I also had to pay over {$200.00} in fees. This is extorshion.
Product: Student loan

I attempted to make a principal payment to a student loan through LendKey. The web page does not provide an option to direct the payment, so I contacted Lendkey on XX/XX/21 at approx XXXX EST and spoke to XXXX XXXX . He stated that I could not make a principal payment on the account and that all payments needed to be applied to interest. I asked if this was stated in the loan agreement and specifically where. He could not answer, but stated their accounting system would not allow me to make a payment toward principal balance. 
I believe that this is unfair and predatory to force young people paying student loans at high interest rates ( 6.00 % ) despite having the lowest interest rates in history. I also believe it is unfair to prevent a consumer from paying toward the principal balance at anytime and in any amount. 
Lendkey is continuing to debit her account despite the forbearance on student loans. They are continuing to charge interest and now will not allow a consumer to decide how payments are applied. This loan is > $ XXXX and has been current for 2 years. A consumer should be able to direct their payments as they wish. The company is financially incented to prevent the consumer from doing this and therefore is making more money on the interest it charges.
Product: Debt collection

I sent check into cash an affidavit and invoice stating how they were violating the laws of the FDCPA and that they were liable to remedy me. They took over 30 days to respond and did not rebut my affidavit, meaning they have accepted my claims as true by default. The only legal way to rebut an affidavit is with an affidavit and all they sent me was a contract so this will get resolved in court. Thank you for nothing, looking forward to seeing the Check into Cash representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Debt collection

I have never been notified by your company on regarding an alleged debt. I have reason to believe I do not owe this debt because my family or I have never been a patient at XXXXXXXX XXXX XXXX. Also after investigating, XXXXXXXX XXXX XXXXXXXX was permanently closed on XXXX, XXXX, XXXX and I never heard even received notice of this debt from the hospital either. This debt also keeps being placed on my credit score every year by a new collection agency like its a new debt. This is illegal and I am working with a lawyer to sue. I have seen several complaints on the XXXX about this company and people being charged for a service that was never rendered.

I request all of the following information be provided to me by mail : * 1. The amount of the alleged debt ; * 2. The full name and mailing address of the original creditor for this alleged debt ; * 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; * 4. Documentation showing you are licensed to collect debts in Texas.

Because I am writing, you must cease attempting to collect this alleged debt until after you have provided the requested information. 
If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. 
Sincerely, XXXX XXXX XX/XX/XXXX