23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I purchased an area rug from XXXX  's online on XX/XX/2018. The rug arrived and the color was different that pictured. I tried to return the rug to the downtown store where they sell rugs but they refused to take it. I was forced to ship the rug back which I did. The XXXX tracking indicates the rug arrived at XXXX 's on XX/XX/2018. They have not issued a credit to my credit card and when I call to complain they tell me they have to have the warehouse find it which is ridiculous! While they continue to delay the credit I am being charged interest on the item when they clearly have possession of it.
Product: Vehicle loan or lease

I purchased a car with US Auto Sales in XX/XX/XXXX. This car had a finance charge of nearly XXXX on a XXXX car. The car was financed for nearly XXXX. XX/XX/XXXX the car broke down and left me stranded in XXXX in XXXX. I called about the warranty the following day and the service was denied. 4 times between XX/XX/XXXX and XX/XX/XXXX the car was in the shop for the same light/code. 

I had payments deferred with US Auto because paying for the car with no help from the warranty made it difficult to keep up with the payments. I applied for a trade in in XX/XX/XXXX and was approved but never got the car because the company shut down. The loan moved to Westlake Portfolio management in XXXX, but I was never able to make any payments between the closing of the company and the transfer to WPM. However I had late payments reported on my credit report, then the entire history with the company was completed deleted causing my credit score to drop over XXXX points. 

WPM does not honor the warranties and has no record of my payment history to prove my payments that were made to US Auto. Instead they want me to restart my loan. Additionally, a call to the warranty company on the original contract verified that a warranty was paid for in my end but never purchased by US Auto sales. I purchased a car in good faith and the car company acted fraudulently.
Product: Mortgage

To acquire a mortgage through XXXX XXXX XXXX, they need to connect to my financial account through PNC. They use software called XXXX to connect my account instantly. 

PNC does not connect with XXXX  and therefore can not connect with my financial accounts in quickly.
Product: Mortgage

The home that i purchased in 2015 was just recently deemed unlivable by an insurance adjuster due to Hurricane Laura that hit Louisiana coast. My home like many other 's was destroyed now i am getting calls from 21st mortgage company inc. wanting me to hound the insurance for money to pay off the home and even make payments on the home that is no longer. They are wanting payments and they demanding i call the insurance company demanding payment. I can't make the insurance company complete anything faster than they are already are.
Product: Debt collection

I recieved a collections notice around XX/XX/XXXX in the amount of {$1200.00} from services recieved on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX. It stated on the notice that I was eligible to apply for charity care since my insurance didn't cover everything, so I filled out the application and faxed it over on XX/XX/XXXX. ( I wasn't even aware there was assistance programs like this ). I never recieved any acknowledgement that it was approved or recieved, but I did get hit with another larger collection from a company called PMAB. I recieved itemized bills from another visit on XX/XX/XXXX in the amounts of {$1700.00}, {$29.00}, {$56.00} and an additional itemized bill from XX/XX/XXXX of {$80.00} that does not belong to me. All of the bills that were sent to PMAB generated on XX/XX/XXXX, not long after I applied for charity care. These itemized bills also included HIPAA protected information, including procedures I recieved and medication I recieved.
Product: Vehicle loan or lease

My lease term ended on  XXXX  however there was no date on any of the paperwork when it needed to be turned in and all documentation sent to the house was " lease coming to term please check out incentives '', in the weeks prior to this my husband was diagnosed with  XXXX  on  XXXX  which then we had to see doctor and then surgeries, follow ups, more treatments, more doctor   appointments and we are only the  2 that drive  in our home. My husband was n't on the mend after having  XXXX  and procedures for several weeks. Upon walking out my door ( again no letter or documentation stating turn car in on this date just the lease term date  )  my car was repossessed after stellar payment history. Now it 's on my credit report, explained the whole situation to  Chrsyler Capital and they will not remove t he repo and state that they will get fined by the government if they do this for me and they say they sympathize but it really does n't appear that way. I had to car for my husband, work my fulltime job, take care of my children, keep my husband on track with appointments and all Chrysler wants to say is no sorry repossessed-called on  XXXX  when they took it and reported it stolen because no call, notification on anything to state bring back by just a lease term date which I could n't meet cause of my husband 's health issues and as the government complaint office stated they do n't have to report as repo which is all we are asking to have removed from our credit is the reposession-they are unwilling to work with us and have spoken to every office at the corporate headquarters where they were appauled this was doe but the actual offices of  Santander  who is Chrysler capital wo n't take any of this into consideration or work with us but marking us as repossessed with stellar payment history
Product: Credit card or prepaid card

Hi my name is XXXX XXXX I'm a victim of fraud. On XXXX XXXX around XXXX to XXXX someone took {$1000.00} dollars from my XXXX XXXX XXXX Account. I notice the money missing around XXXX after checking if my money was deposited to my account and I notice it said it was deposited then withdrawn. I immediately called Bank of America to report what happened to my {$1000.00} dollars. They stated that it was withdrawn from my account at a Bank of America ATM Drive thru in the City Of XXXX XXXX. I was like how is that possible if I have my XXXX card with me. They had no response to my question. So I filed a Claim Report with Bank Of America. I advise them I was going to make a Police Report which they advise me to do so. After we hung up I made a Police Report with XXXX XXXX Police Department on the phone and told them what happened. The officer was very kind and helpful and summited the report to his XXXX and was approved the same day. The officer also stated to me that BOFA was shut down but the ATM machines were still in service. So then I called Bank of America back and told them I have the police report number and i ask them if they would note that down on there notes they stated that I have to get the actual police report and fax it to them. Which I did! I was calling BOFA three times a day almost everyday. They had no updates on my claim and then they ask me to go to a BOFA to get verified so they set me up an appt. I went the following day with my I'D, Birth Certificate and XXXX Card and spoke with some lady who knew nothing about what I was talking about so I called BOFA on the phone and spoke to customer service they had me on hold for hours. So I finally get through with a claim representative and ask me to put a manager on the phone so they started the verification process then we were done. I ask the manager when will I receive my {$1000.00} dollars back to my account and they had no answer for me. So I left home I decided to call the bank again and ask them when will I receive my money back they said they couldn't answer me cuz I was flag again for fraud. I told them I just got back from the Bank to get verified they knew nothing about me getting verified. Then I received a letter in the mail couple days later and it stated my claim was closed. So I called a BOFA and spoke with claims department and ask them why my case was closed. They knew nothing about my claim. So they they said we can reopen your claim again. So I refax all my documents and waited another week. I called BOFA again and ask for a update on my claim and documents if they received them. No response from them what they did say to me that my case was closed again with no explanation. And that they could not reopen my claims know more. So I filled a complaint with BOFA. 
Bank Of America made me feel like if I was the perpetrator, very Humiliated and discriminated. I'm so stress out I need my money to support my family and little ones.
Product: Debt collection

Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$740.00} ; XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$520.00} ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$680.00} ; XXXX & XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$760.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$470.00} ; XXXXXXXX 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 XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX # XXXX XXXX XXXX XXXX has violated my rights.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Payday loan, title loan, or personal loan

I have a complaint with the company Lvnv funding. They purchased a old account My ex wife and I had with XXXX XXXX. They stated they tried reach out to me. I never receive any paperwork. Which they sued and started garnishing my wages in XXXX it was for the total of {$13000.00}. I was not aware of who was garnishing. I have been pay right at {$13000.00}. They said still owe {$11000.00}. I have read many complaints on this company and how they scam many people. I need help stopping this company from garnishing my wages. I feel they have falsified information. At one point I loss my jb and could not make payments. They file another suit and adding more fees the garnishment started back when started back working.
Product: Credit reporting, credit repair services, or other personal consumer reports

I use XXXX and XXXX to monitor my credit scores. I have noticed a disturbing trend on my scores. Although everything published says you don't have to use your credit to build a good credit score, I have noticed that when I use 10 % of the limit of one of my credit cards ( it has a high limit ), increasing my credit utilization from a usual 3 %, my credit score jumps over 30 points. When I pay it off the next month, my score drops back down. It would appear that my credit score only goes up when the credit issuers think they will be getting interest from me on the account, not if I am more likely to pay it off. This has happened consistently several times. It would appear the credit bureaus are giving better scores to people who are more likely to have to pay interest on the accounts, not if they are more likely to pay the account off. At worse, this is a conflict of interest indicating that the credit bureaus are being encouraged by financial institutions to promote borrowers who they are more likely to make money on, not actually on their creditworthiness.
Product: Payday loan

Item 1 ) First, The reason I am filing a Complaint against this Payday Loan Company is for several reasons. The first is that there are laws in the state of Illinois that preclude and exclude allowing interest rates greater than 35 %. The interest rates on this loan is very high and some are well above 600 % to 1800 % regarding this loan. And, this should not be allowed by law. 
Secondly, the rates are staggering and they never check to see if I could afford these loans as there are rules stating that a purchaser should not pay on more than XXXX outstanding payday loans at any one time. And, I have been paying on a total of ( XXXX ) Payday loans for well over 9 months in succession with much difficulty. 
Thirdly, I not only continue to pay these loans with exorbitant rates and fees. But, the huge charges were destroying our ability to live after deducting well over 90 % of my take home income for well over 3 months and I have not paid my mortgage since XX/XX/XXXX and XX/XX/XXXX for both the first and second mortgages and I am in jeopardy of foreclosure as of this date, XX/XX/XXXX. 
Lastly, several Companies did not tell me of their extremely high rates they were and some also withdrew from my bank account even though I asked them to STOP future via EFT Revocation Letters. A Couple withdrew funds directly from my account even after it was Bank closed causing me to incur heavy bank fees per day of even {$50.00} or {$60.00} at certain intervals. This was a very stressful time during months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX causing us to be fragmented and close to homeless situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Dear Consumer, Financial Protection Bureau, I wish to complain about the repossession of my four-door white XXXX XXXX XXXX. The repossession took place on XX/XX/XXXX, and I was able to borrow money and get it back on the same day from their secured lot. 
However, I am complaining because even four years later, I am still not able to get approval to purchase a home for myself and my children due to this matter, and my credit report reflects negatively which causes my anxiety to increase and flare frequently due to this lingering burden. To resolve this problem, I would like for someone in your office to contact Bridgecrest and see how this can be resolved and my credit report reflects in a positive manner. 
When I first learned of this problem, I contacted Bridgecrest and spoke with a representative and was told that nothing could be done about my problem. I believe that this response is unfair being that I went without basic needs during that time in XXXX to borrow funds totaling {$1500.00} in order to get my vehicle back. 
I would like a written statement explaining your company 's position and what you will do about my complaint. 
I look forward to hearing from you as soon as possible to resolve this problem. 
Sincerely,
Product: Checking or savings account

I am listed as a signer on a Chase Bank account. Their internal systems are erroneously set up in such a way that it does not allow a signer to withdraw himself from a business some accounts but allows it on other accounts. When presented with the issue, they either don't fully understand the implication of refusing a signer to withdraw on his own, or resort to explaining that's just how their system works. They insist an account owner is the only one who can let a signer off of an account, and that is wrong because the moment a signer no longer wants to be on the account, the signer should not need any permissions to withdraw from that account. This only pertains to the 1 named account in my case. Chase 's software prompts are not sufficiently developed to allow for the retail bankers to make the necessary change. Essnetially the system has to recognize that not all " changes '' to an account need an account owner 's approval, in this case an account " signer '' wanting to be removed.
Product: Credit card

On XX/XX/XXXX, I was charged for a total of {$2300.00} for two back-to-back purchases made on XXXX. The tickets were purchased at XXXX, received at XXXX, and then immediately transferred to an unknown email consisting of random characters at XXXX. I have never made a XXXX account. I was able to log into this account that was fraudulently set up, and the phone number that was associated in no way belongs to me or is familiar. Please see attached. 

I received notice at XXXX from Bank of America of fraudulent activity on my card. I immediately cancel my cards and submit a fraud claim. Bank of America did not request any further details.

I was able to cancel one of the ticket purchases on XXXX ( {$1400.00} ), however, the other purchase ( {$900.00} ) was still showing as transferred. The tickets were for a XXXX XXXX concert in XXXX XXXX at XXXX. I have no interest in XXXX XXXX, and my time is accounted for. Can provide text and photograph proof if necessary. 

Additionally, on XX/XX/XXXX, I received a letter in the mail from XXXX  XXXX ( which I had visited XX/XX/XXXX ) which gave notice of a " Security Incident '', informing me of " an event that may involve your payment card information ''. Please see attached.

It took Bank of America a total of 53 days to investigate this claim, and the result of that was that they were unable to approve the claim as " the merchant provided documentation confirming you received the merchandise or service ''. Please see attached.

I do not agree with this conclusion what so ever and I had {$900.00} fraudulently removed from my account. To re-iterate : 1. ) I have never created a XXXX account for myself 2. ) As soon as I received notice that these expensive tickets were purchased -- I attempted to cancel said tickets, my card, and put in a fraud claim.

3. ) The tickets, upon purchase, were immediately transferred to an unfamiliar email address. The phone number associated with the account is also completely unfamiliar.

4. ) During the time the concert was on-going, I was no where near the event space and my time was accounted for.

5. ) I received notice from XXXX  XXXX that they had faced a security incident, and that my payment card information was involved. This is the same card that was fraudulently used in the XXXX purchase.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

XXXX XXXX XXXX Late Payment $ XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Collection {$1700.00} Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Product: Mortgage

Please refer to CFPB XXXX for a history of the case which I thought was resolved when my mortgage provider, OCWEN sent me documented correspondence acknowledging approval of my request for a loan modification on XX/XX/2017. 

Now OCWEN is reneging on their approval of my loan modification in which they accepted and received trial payment funds in the amount of XXXX on XX/XX/2017. On page XXXX of the new loan modification agreement it clearly states the funds received on XX/XX/2017 were applied to the account for the XX/XX/2017 payment and the next payment is not due until XX/XX/2017 OCWEN is now saying I owe them a payment of XXXX for XX/XX/2017 when clearly the document I am attaching refutes this. They never contacted me nor provided written documentation to support their claim therefore I am not liable for any payment in XX/XX/2017
Product: Debt collection

It has been several months and Professional Credit Management continues to violate the Fair Debt Collection Practice Act and Fair Credit Reporting Act by continuing to report a fraudulent debt to my credit file that was never opened by me. This account was previously deleted from my file and re-sold which is clearly a FCRA violation. Even after being notified this debt was a result of identity fraud Professional Credit Management continues to report this account to the major consumer reporting agencies. In addition in the state of Arkansas, Debts incurred for medical services have a statute of limitations of 2 years from the date the service ( s ) was rendered or from the date in which the most partial payment was made ( A.C.A. 16-56-106 ). I find these actions totally unacceptable and Professional Credit Management must be held accountable for their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit and i notice a car loan from XXXX XXXX XXXX. I immediately contact them, and told them i did not purchase any vehicle nor am i aware of taking a loan from there company. After i went to the police station and made a police report. I never gave permission nor sign any documents with XXXX XXXX XXXX. This is Fraud and want this taking off my credit report. thank you.
Product: Credit card or prepaid card

I went to XXXX XXXX XXXX XXXX store and tried to obtain a credit card from them, but they said my application was denied after a hard pull. I just got the mail from XXXX 's stating that my application was denied due to " Total credit obligations when compared to the total annual income you provided ''. I make {$52000.00} per year with money coming in from XX/XX/XXXX and full-time employment, how is this possible?