23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

On XXXX I wrote to you and my complaint number was XXXX in reference to a line of credit I have with TD bank. You reached out to them and they informed you they were going to work with me by reviewing my tax returns to either reconsider the loan or convert my line of credit to a lower interest rate using a property of mine that is free and clear as collateral. They ( via conference call XXXX XXXX and XXXX XXXX from TD bank the vice president XXXX and XXXX the Manager ) reached out to me on XXXX offering these options and requested my signature to pull my credit and 2 years tax returns. I gave them both XXXX due to the holiday weekend. 
Through a series of emails and phone conversations over a few months, always initiated by me and I have track of them all, they have informed me that the bank did in fact make a mistake that there was no problem with my credit report and in fact the original concern of a XXXX charge off was handled and was not charged off, XXXX removed it from my credit report as it was an error. My credit score was never in question that it was XXXX when the line of credit was opened and has since gone to a XXXX with no deviation in the time frames. 
With that being said they never carried out the options they told me they would as per their response to you in my initial complaint. They told me they could not for whatever the internal reasons were re instate the initial line of credit but would then use my property for collateral. They have not done this. I have no idea what they are doing cause every time I call them or email them there is a delay and I believe they are lying to me. The proof is attached cause they have asked me to sign documents sent to me that is stating my loan is XXXX when it is a line of credit for XXXX. They didn't send this to me until XXXX told me I had to have it signed by XXXX. This banking institution cant possibly be following any guidelines and are totally frustrating me as a consumer.They are even charging me over a {$100.00} a month late fees during this process when I am in fact paying on my account. These fees are incorrect. I feel someone should never have to go through this process. If you notice since my last complaint it has taken them 4 months to send something to me of which I thought was relating to my collateral property and that process and it is the original loan I wrote to you about but now at an even higher rate. I please need someone to work with me along with this bank cause nothing is being resolved and I am still paying my monthly interest installment being patient during this whole process.
Product: Credit card

No mention of the {$59.00} annual fee at time of application for card. Just showed up on the first statement and company will not remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX i filed a dispute with the credit bureaus about a Bankrupcty Acct # XXXX and a XXXX XXXX credit card Acct # XXXX opened XX/XX/XXXX that do not belong to me. All three bureaus removed the account but when i checked my most recent report it shows those two accounts back on my credit file.
Product: Payday loan, title loan, or personal loan

Its not the first time they trick me. i get approved they hit my score with credit inquiries and after all they denied the credit. 

The funny thing is that they keep sending me registered cards and letters, even saying that I am approved for. the information is confusing and they create several difficulties after sending the documents. I did the whole process and at the end of that last attempt, I was told that I was denied because my coborrow was from another state, New York in case I reside in NJ in XXXX County on the side of XXXX facing the XXXX XXXX ... I want them to remove the inquiries in my credit report right now
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX  XXXX, FL XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$3800.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX Balance : {$110.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$1300.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX Balance : {$1400.00} ; XXXXXXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Mortgage

I 'm Writing to you again because I wrote to you about two months ago about SunTrust mortgage I complained about them not refinancing my XXXX mortgages I wanted them to combine my XXXX mortgages and lower my interest and they have not gotten back to me I have been with SunTrust for the past nine years and they have not yet tried to help me out on combine my XXXX mortgages or lowering my interest The lowest possible since I have XXXX mortgages they had told me after XXXX years of being with them I was going to be able to combine both of them together but till this day they have not.They refinanced my XXXX mortgages about a year and a half ago with not the best low interests one is over four and the other four percent interest if you combine them both together it 's over all almost nine percent in interest they told me I was going to be able to refinance after a year so I can lower interest and the last time I talk to them now they said I am not able to do you see they say one thing today and yet another thing the next I am so frustrated and depressed they say my house is not worth what I owe for the same reason I owe too much it 's because my interest is so skyhigh and I ca n't afford to make a bigger payment I can barely pay the minimum so with me just paying the minimum and with the sky high interest they are charging me I still owe the same amount as if when I first financed it they say they can not combine both of the mortgages together I do n't understand why if both mortgages that I 'm paying are going to the same company so there has to be something fishy going on which is them making more money off of me with me paying XXXX sky high interests and they do n't care we 're or how I struggle to get my mortgage money as log as they get their Payment 's there are times that I feel like not making the payments but then I do n't want them to take my home away from me and my family especially after all the money I have invested in for the pass nine years I have paid more then one hundred thousand dollars on it and yet I 'm not even half way on paying it if I 'm going to leave this earth and never had a chance to finish paying it off and they are going to end up with my home and my money and yet they get away with it this needs to stop in not letting them do what ever they want with people like me and my family
Product: Credit card or prepaid card

I received a letter from Nordstrom Credit services that an application was denied. The first name was mine but the last name was not. They used my social security number, birthday and home address.

I never applied for any Nordstrom Card or credit. I called Nordstrom they placed fraud on the inquiry. I also contacted XXXX and froze my credit report.
Product: Debt collection

As of XX/XX/2021 Unifund has kept a garnishment on record of a past employer XXXX XXXX I haven't been with for a 15 hr a week pt job in several years due to my physical limitations. From my past complaint they closed the XXXX XXXX garnishment but haven't closed the XXXX XXXX nor explained why they contacted an employer I haven't worked at in several years. I am XXXX only and receive food stamps based on the XXXX income.
Product: Credit card

I attempted a 'time limited ( 5 min ) " online purchase of a product using my Barclays Aviator Mastercard . The attempt failed with a note 'fraudulent credit card info '. A second attempt was made after reentering my credit card info. Again a note saying " frudulent credit card info '. At this point, I suspecting my time limit had expired I decided NOT TO PURCHASE the item. So, I terminated the website connection.

I now received a text message from Barclays asking to confirm an online purchase from the online company. I called Barclays and told them what had happened and refused the charge. Within 5 min of the first text a second Barclays text came about an online purchase from the same company. I called Barclays again and explained the situation and refused the charge. I ALSO REQUESTED BARCLAYS NOT ACCEPT ANY CHARGE FROM THE ONLINE COMPANY THE TWO PREVIOUS BARCLAYS PURCHASE VERIFICATIONS WERE FROM. The next day I checked my account and there was a transaction from the online company for the product I did not want.

I contacted Barclays Dispute Department and explained the entire series of events and I was asked if it was a fraudulent charge. Based on what happened above and the text messages using the words 'fraudulent ' I said I guess. That comment caused my situation to be sent to the Barclays Fraud Department. I again explained the situation and Barclays opened a Fraud report. I was contacted later by the Barclays Fraud Department and explained the situation again to a Barclays Fraud Dep supervisor ( XXXX ). She explained to me that is was not a fraud matter and she said the fraud incident would be CANCELED and told me to submit a dispute. I then went to the dispute department and was told to submit a letter to Barclays Dispute Dep requesting to established a dispute. After 14+ days I got a letter from Barclays denying the dispute. I called the dispute department and explained to the dispute rep that I had contacted the online company and had received a Return Merchandise Authorization ( RMA ) from the online company and that the product had been confirmed returned by the online company. I was asked to generate another letter to Barclays Dispute Department explaining what had occurred and requesting to reopen the dispute. 
I called Barclays on XX/XX/year> and was told the dispute could not be established because the matter was initially treated as a 'fraud ' and once treated as a fraud it could not be handled as a 'dispute '. WHY AFTER TALKING TO A FRAUD DEPARTMENT SUPERVISOR AND TWO DISPUTE DEPARTMENT PERSONNEL THAT BOTH TOLD ME TO WRITE LETTERS TO BARCLAYS TO OPEN THE DISPUTE AM I NOW TOLD A DISPUTE COULD NOT BE ESTABLISHED. I have checked the Barclays Aviator Mastercard Terms and Conditions and have not found any text stating that if a charge is submitted as a 'fraud ' that it can not be later submitted as a 'dispute '.

THIS IS TOTALLY INCONSIDERATE TO THE CREDIT CARD HOLDER AND THIS DISPUTE NEEDS TO BE ACCEPTED AN THE FUNDS RETURNED TO MY ACCOUNT!
Product: Debt collection

I paid a balance and moved out but they said I didnt.I have copies of the money order receipts and sent them in already
Product: Credit reporting

I sent in all my personal information to equifax with proof of who I was and address and they have n't sent me my credit report so I can see what 's on my credit. I put a fraud alert out too cause some of the dealership was letting me know some thing that was listed on my report when they check my credit. I told them that someone had been using my credit
Product: Credit card or prepaid card

Years ago I remember when credit card interest was deductible from your income taxes. But that was when interest rates for credit cards was at 5, 6, 7 %. Now that the interest rates are at 15 % to 25 % the government seems to have no interest in managing it. If the government really wanted to help people who are really living from paycheck to paycheck then they would bring interest rates down on these credit cards. Low income people are the first to use credit cards to make ends meet and to give their families an improved way of life. Yeah the interest can again be tax-deductible. Our government loves businesses but really doesnt like people. It loves developers because they give developers free access to our properties so that they can build multiple dwellings on single-family neighborhoods.Affordability is not something that is even being considered and neither is the quality of life for the community. They are just getting money to pay for their elections so that they can keep their jobs and all the perks that go along with them. THIS should be against the law.
Product: Mortgage

I advised Fay Servicing regarding the double payment of the homeowners insurance in writing. I've been ignored. No action toward resolving this issues has been taken. The most recent escrow analysis indicated a shortage, the shortage was paid in full outside the normal monthly payment. I requested a corrected escrow analysis. There has been no response from Fay Servicing. They have sent an incorrect monthly statement not recognizing the satisfied escrow shortage resulting in an incorrect monthly payment.
Product: Credit card

To whom it may concern : Dear Madam/Sir, I write as I believe Capital One is not acting with the best interest of consumer 's in mind. I say this because I recently tried to change my payment due date, in order to align with broadly adhered to payment scheduled from employers ( XXXX and XXXX of every month ). Capital One does not let Consumers choose payment due dates but rather gives them four/five options generated by " the system '', and where human customer service reps seem to be unable to over-ride this. 

This is not the case for any other credit card lender that I know of I have several credit lines with various banks. It is my belief that this lack of regard for when it makes most sense for a Consumer to pay his/her credit off is a form of predatory lending. One where a bank, in this case Capital One, can allow for a well intentioned Consumer to miss a payment or not meet their min. payment, and thereby charging them interest and a collecting monies unduly. 

I urge the CFPB to connect with CapitalOne and have them implement the industry wide standard of allowing Consumers to choose their payment due date ; a date that works for their financial situations. 

Thank you, XXXX
Product: Money transfer, virtual currency, or money service

Warning disclosures were never present anytime I would attempt a transfer. And if I had an issue with a transfer then I would simply be told that " I had already sent the money and there was nothing that could be done. '' I had done my part reporting suspicious activity when warranted and doing my absolute best to keep my account in good standing. And at the end of the day, my checking account ended up being closed due to " reasons they couldn't disclose. '' When really I believe they were just tired of having me as a client.
Product: Student loan

For the last 24 months I have inquired with American Education Services ( AES ) in regards to lowering my monthly payment, applying for temporary hardship, as well as modifying my repayment plan. Prior to 24 months, my monthly payment was {$370.00} per month. This was manageable as I am a XXXX XXXX XXXX  Over the course of the past two years my loan payment has increased to {$480.00}, {$570.00} and now is {$890.00} per month. I have requested a temporary forebarnce as I am a full time XXXX student, and have been denied. I have missed payments and have requested assitance, and have been denied. AES has sent my account to collections in which payments collected were not applied to all of my loans in which six of my loans are now in default. AES collection agencies are aggressive and intimidating. I have continued to manage paying my monthly installment even if it is past due with little success. There is no support or assistance available to debtors from AES or its associates.
Product: Credit reporting or other personal consumer reports

I am the author of this complaint and I have attached a copy of my driver 's license, social security card, and an identity theft report to verify my identity. I recently applied for a loan and was denied. I checked my credit report and noticed some accounts that are fraudulently on my credit report without my consent or authorization.

These debt collectors are claiming that I owe them and are reporting negative information which is damaging my credit worthiness. They have not validated the debt to show any contract between them and I, to justify their claims that I owe them, and when I contacted them, they sent me frivolous automated responses that did not address my concern.

Also, the credit bureaus are not conducting a reasonable investigation and are allowing the reporting of this fraudulent information XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As indicated what initiated the issue with Experian, is they denied me a credit card from XXXX which I questioned why since I have a credit worthiness. Either intentionally or an disregard for my request they continue to tell me I needed to submit personal identification to authenticate my identity before they can issue me my score. I do not need my credit score, moreover EXPERIAN mailed me a detailed Credit Report which I did not ask for. How did they know they were sending it to the right person ; since I have not complied with their request. I stands to reason that they have put my credit worthiness more at risk despite of their denial. 
.
Product: Debt collection

This complaint was previously filed under CFPB case XXXX, dated XX/XX/XXXX, against LVNV Funding LLC. The case was closed by LVNV claiming the following : " Company 's Response was : We are unable to locate an account under the name of XXXX XXXX XXXX with the information provided. Please provide additional information, such as the account number ( s ), to help us locate the account ( s ) and address XXXX XXXX XXXX concerns. 

The address was previously provided as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 

Today I just received a summons to court ( case no. XXXX ) for the collection of the same debt they claimed they could not find under my name and address. I do not know the account numbers, all they have provided are copies of two XXXX XXXX Bank statements with all but the last four numbers blackout, the last four numbers are XXXX, and XXXX, the address is XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and the dates are for different month in XXXX. Again, I have resided at my current address since XXXX XXXX XXXX XXXX XXXX XXXX since XXXX, and previous to that time I was a resident of XXXX XXXX, and have never done business with XXXX XXXX with according with LVNV is the original credit holder.
Product: Checking or savings account

On XX/XX/XXXX, I was locked out of my bank account and I had low funds which was odd because I had gotten paid a few days prior. My email told me that a XXXX transaction of {$750.00} was made. I could not login to my bank account so I called my bank ( Wells fargo ) who helped me close the checking account and closed my debit card and replaced it. I opened a claim for fraud as this transaction was not done by me. A week goes by and i contact the bank that tells me that XXXX does not have liability financial coverage and my claim was denied. They stated my funds were not going to be given back to me. I was of course upset by the situation and spoke to the Wells fargo fraud escalations department to file a complaint against my situation and tried to reopen my claim, hoping for a different outcome. They denied me again and said the decision was final. I am hoping by complaining here that wells fargo will realize how serious I am about the situation as I had lost {$750.00} and that really set me back as far as bills.
Product: Debt collection

This was a call from a debt collector agency, left a vmail on my office phone. They pretend to be calling from XXXX XXXX XXXX with a delivery and they need to verify the address. HOWEVER they are Hewitt Capital. 
This company Hewitt Capital LLC, has been calling office threatening me. A representative of the company calling himself XXXX at a XXXX phone said he tried to deliver me a summons to my home but was unable to deliver. He would not provide any information other than the sender of this mystery package is H.C & Associates ; another acronym for Hewitt Capital. He was extremely rude and pretended to transfer the call to another department, however he actually hung up. I tried to call back several times, to which there was no answer. He refused to provide me any documentation or information on the summons they are delivering to me. I informed XXXX, I am not permitted to take personal calls at work and to stop harassing me I was not going to deal with them and hung up. They have continued to call my office and leaving voice mails on multiple mail boxes that they are going to issue me papers for summons, none of the voice mail boxes are private so they are sharing private information with staff at my work. 

Desired Settlement : Stop the harassment and provide me with all documentation for me to research if I truly have this debt they claim as the company they claim I owed is not licensed to issue loans in Virginia and Hewitt is not licensed as a bill collector in Virginia.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My profile contains incorrect personal information. Kindly go through all the documents that reflect my accurate details.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions authorized to be placed on my consumer credit file. My privacy rights have been violated. There are variation of account numbers and incomplete, variations of balances. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include Equifax, XXXX and XXXX all three agencies have had data breaches. I have disputed with all the three major credit reporting agencies only to be denied. On XX/XX/2022 my credit score plummeted over 100 points. This company has been on my consumer account with these inaccuracies. It has cost me a great deal of grief, money, time and stress. It has affected my health, credit score has decreased, for years I have been denied credit, denied employment, denied housing opportunities and loans.