23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

As agreed with XXXX XXXX XXXX on XX/XX/XXXX, I have been paying {$50.00} at the end of every month for a settlement with Best Buy. I lost my job on XXXX, and I informed this agency of my financial issues. However, I told them, I would make every effort possible continue making the payment as agreed. I have done so, and now XXXX of their employees is calling me on the phone asking about the payment, and calling me a liar. I process the payment through the bank payment services, and I tried to tell him that, and that I had done that several days before. The guy started yelling at me on the phone repetitively calling me a liar. I do n't deserve to be talked to that way, so I hanged up.
Product: Debt collection

LVNV Funding has been attempting to collect a debt that was settled in 2018. They have tried to collect on this account through the use of incessant calls, threats of a judgement etc., and refuse to remove this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have this on my XXXX report that i requested a inquire but i was in a XXXX  and its not mine i have never applied for credit with this company and need this inquire to be removed ASAP its effecting my report. i would like this inquire to be removed asap police report attached. Or I'm left to file a lawsuit for Fraudulent running my credit without my permission. because it was Fraudulent. I NEED IT REMOVED IN 10 DAYS..
Product: Credit card

I told my wife to close the account in XXXX when I found out about the account when I was XXXX with the XXXX XXXX XXXXXXXX. She didn't. She was instructed to close it during the divorce process in XXXX. She refused. It's now four years after the divorce, she's remarried, but she's still using the card that I never authorized. The balance is now nearly $ XXXX. She refuses to close the count or remove me from the above. Care Credit refuses to accept my claim of get fraudulent use of the card. Even if she had a POA at the time of opening the account, per FEDERAL LAW, I am supposed to approve every purchase, and any purchase made is supposed to be for my benefit. I will be filing a police report against my ex-wife. We will also be contacting an attorney to pursue damages. However, per regulations of the Federal Trade Commission, Care Credit is required to investigate claims of fraud ( which ties to Power of Attorney abuse ). Care Credit has done absolutely nothing to help me. They continue to say my only option is to pay off the account so it can be closed. They have don't nothing to protect me and seem to only be interested in getting their money regardless of the laws that have been broken by my ex-wife.
Product: Credit card or prepaid card

Offer was a bait and switch - wouldn't honor discount and terms as listed. I have a copy of the terms, but when requested to honor fee terms it was denied. The crux of the offer was the first year fee, {$450.00}, waived. One representative said it was a short time window and suggested I now pay the {$450.00}, the other said an error. Which is it? 

Went to read terms ( I did print them out ) than later apply on the same day XX/XX/2019 Called in to AMEX XX/XX/2019 https : //www.americanexpress.com/us/credit-cards/card-application/apply/hilton-honors-aspire-credit-card/XXXX XXXX XXXX XXXX
Product: Checking or savings account

This complaint is about Axos bank I filed to liquidate my investment account with Axos bank and send the cash proceeds to me on XX/XX/2022. I was told this would be done within 5 to 7 business days. Ive called them four times now and they keep telling me itll be one or two days. I called them originally on the XXXX of XXXX, then on the XXXX XXXX XXXX, the XXXX XXXX XXXX and lastly on the XXXX. They told me the money is just sitting there and theres no reason why it cant be transferred. 
Since it has been a such a hassle with his bank I put in a transfer of all my funds in my savings account. To date theyve only send a portion of it and not the full amount. The portion that was sent was received by my bank on the XXXX. Why didnt they send the full amount.
Product: Vehicle loan or lease

Date opened XX/XX/XXXX, XXXX Due to financial hardship payments were late. XXXX, XXXX Total amount XXXX. Past due amount XXXX. I have XXXX missed payments. Company will not delete off credit report.
Product: Credit reporting or other personal consumer reports

I am writing to request your kind assistance with an important matter concerning my credit report. Due to the unprecedented circumstances of the COVID-19 pandemic, I experienced significant personal and financial hardship, which has inadvertently affected my credit history. During the peak of the pandemic, I XXXX  XXXX and faced a life-threatening situation that left me incapacitated  for an extended period. As a result, I was unable to manage my financial obligations effectively. It is my understanding, During the pandemic, the CARES Act amended the Fair Credit Reporting Act ( FCRA ) to address accommodations for consumers impacted by COVID-19. An accommodation includes relief granted to those affected by the pandemic between XX/XX/year>, and 120 days after the termination of the COVID-19 national emergency. 

During this time, my vehicle was totaled, and the responsibility for the associated loan was transferred to my ex-partner as part of our separation agreement. Unfortunately, there was a delay in the insurance payout for the totaled vehicle, and the loan servicer did not communicate this situation to the credit bureaus. I have been informed that the loan was eventually settled in full by the insurance company. However, the lack of communication from the loan servicer during the insurance claim process has resulted in late payment entries on my credit report. 

In light of these extraordinary circumstances, I respectfully request that Experian invoke the protections afforded by the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act. The CARES Act includes provisions for consumers who have been impacted by the COVID-19 pandemic, allowing for accommodations to be made regarding the reporting of certain credit information. 

XXXX XXXX XXXX XXXX
Product: Debt collection

I've owned a time share for over 20 years and always been on time on my payments, due to hardship I've fallen a bit behind on my payments ( 3 payments ) so my debt of {$470.00} was transferred to debt collector " Pinnacle Recovery, IncXXXX '' on XX/XX/2020. I called them to settle my account and they now tell me {$750.00} because they charge monthly collection fees of {$140.00}, so they charged me for XXXX and XXXX and they will continue to charge me every month till my debt is paid. 
According to federal law a debt collector should just collect what is owed originally and can't charge fees nor interest which is what I'm filing this complaint about, Pinnacle is unlawfully trying to scam me into paying them more than what I actually owe and is backed up by my time share agency XXXX XXXX XX/XX/XXXX) because they tell me that as long as I owe pinnacle my 20+ year old account with them is frozen, can't use it AND will continue to rack up monthly payments.
Product: Credit card or prepaid card

American express violated the cares act. Reoorted my card late during.the covid.19.time.frame.I was affected XXXX to XXXX.i.had.informed them.that we were under a stay at home.order an they said.they would waive late fees an.give forberence on payments but.interest would incurr. They charged.late fees an repoerted neg late.to.the bureaus. I.owed XXXX my BilL XX/XX/XXXX was for.XXXX I paid XXXX an once I made that payment they cancelled my card an.closed my.account with no notice. They have slanderd my credit.an. person.tthey they violated the cares act.
Product: Student loan

I get regular emails from Navient about my student loan. I have no student loans. I am XXXX years old. I paid my student loans off about 40 years ago. Why are they hassling me? How many others are they hassling? I have not responded to the email because their website wants me to log in to contact them and I am concerned it could be a phishing attempt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XXXX I order a XXXX XXXX XXXXXXXX XXXX XXXX XXXX The driver never showed up so I canceled for a refund. The company sent a email that I would get my money back. I uploaded the email to Chase supporting documents. Chase said the company sent a copy of the cancellation policy. I canceled to get my money back because no services were provided.
Product: Debt collection

I was attempting to obtain a line of credit at XXXX XXXX and was denied, after going over my report. I've noticed a collection account that was open XX/XX/2019 reporting on my consumer report from Fidelity Creditor Services. Fidelity Creditor Services is alleging I owe their company a debit of XXXX. Ive requested for Fidelity to stop all reporting and validate debit.
Product: Bank account or service

I went to work on XX/XX/2017 like it was a normal day. Usually I have hectic mornings being I am a single mother of XXXX kids that I deal with in the mornings which can be very chaotic at times. When I got off at XXXX I did my usual and picked up all XXXX of my kids by the time I got home it was about XXXX, I started looking for my debit card and could not find it, because I switch purses a lot I tried to not think the worst so to give myself peace of mind I went online to confirm my balance because I had just got my income tax refund, also I had just went to jack in the box around XXXX so I was n't to concerned I was being real careful on how I spend it because I am dealing with foreclosure and that 's when my current nightmare began my balance went from XXXX $ to {$1000.00}. I immediately called my bank and of course it was not open so I canceled card thru the automated system. The next morning I did n't even go to work I went to one of the XXXX these people went to and waited all day for a officer that finally arrive by XXXX or so and took my statement. He stated the people went to so many XXXX most of them was from XXXX County. I have submitted my proof of Police report and Proof of me being at work and they are still not willing to refund my money. They said because these people used my pin and went to al the stores I have been to that there are no errors found, I have spoken to Agents and Supervisors and everyone is not willing to make this right. Can you please tell me what I need to do to get some justice thats a lot of money and I need to give that to my mortgage company I been unemployed since XX/XX/XXXX and started working for XXXX XX/XX/XXXX of this year and I did n't deserve this and now I see no hope in getting Any of my money back. This cant be legal.
Product: Credit card or prepaid card

I rented a car in XXXX and the car rental agency made a fraudulent charge to my card for a fake damage claim. I provided the credit card company with a mountain of evidence about the fraudulent activities at this rental car company but they simply ignored my dispute and quietly snuck the charge back on my statement about 60 days later on XX/XX/XXXX. This is absolutely criminal fraud, there is no way I am legally responsible for it. I have provided a huge amount of evidence and even before and after pictures of the car. Online reviews show that this company is completely fraudulent, basically they charge all renters huge sums for fake damage on their old broken cars. 

It's also relevant that the company charged my card XXXX DAYS AFTER RETURNING THE CAR. This alone should not be allowed. 

I have extensive photos of the car upon return but this form doesn't allow XXXX XXXX.
Product: Credit card

I received a letter from Synchrony Bank ( formerly GE Financial ). In the letter, it lists reasons why they reduced my credit limit such as number of times credit used in 12 months, number of months credit card has been opened, amount of payment to low over 12 months, and used too much of credit limit within 6 months. And, at least XXXX of these reasons are false. 

I called the phone number listed to obtain further clarification and dispute action. Initially, I was told to contact XXXX to get further clarification. After tell them, I knew my credit score. Then, I was told they have their only credit scoring. When I asks them for further details, I was told they do n't give out information about their scoring. I would also like to note : I have made more than the credit payment they required every month on time ; they lowered my credit limit so low that I would have went over the limit the next time a finance charge was assessed ; and over they past 6 months I had used less than 50 % of my credit limit.
Product: Debt collection

On XX/XX/XXXX, our daughter had a hair tourniquet around her toe. We used XXXX to try and remove it at home. After a while, the indention was still there, so we decided to take her to XXXX XXXX XXXX. When we arrived we signed in. We looked at her toe again under the fluorescent lights at the hospital and determined that the hair actually had dissolved and only the indention was left behind. We told the hospital that under the lighting, we could tell that the tourniquet was no longer there. Since we already signed in, they had us sign something that said we no longer needed to receive treatment from them. We went home and received a few bills a month or so later. They totaled around {$170.00}. I called the hospital to speak to the billing department. They said it was a mistake on their part and said that it was taken care of on their end. Apparently {$120.00} of the entire bill was eradicated because we have received no bills whatsoever in probably a year or so. Now, after all this time, we are getting a bill from a debt collector for {$47.00}. I called the debt collector, XXXX, on XX/XX/XXXX and explained to them the situation and told them I wanted to dispute the debt. They told me they will continue to contact me for the debt. I spoke with the Patient Advocate at XXXX XXXX XXXX in XX/XX/XXXX and she told me she would do what she can to help me get this resolved. Nothing came of it and she never contacted me again. Nobody can even give me any other phone numbers or information or help me to resolve this and XXXX continues to harass me.
Product: Mortgage

In XXXX my husband and I claimed a bankruptcy due to loss of employment. Part of that bankruptcy was a stipulation or modification with BMO Harris ( BMO Harris attorney was at the hearing ). The stipulation was that we pay XXXX per Month for 36 months with no interest and XXXX per month beginning on XXXX/XXXX/XXXX with an interest rate of XXXX %. My husband and I followed the stipulation and now that our bankruptcy is discharged and our credit rating a little better decided to refinance for a lower rate and combine the first and second mortgage. 
We had to request a payment history from BMO to show we had paid our payments timely. When the payment history was provided the payments were not recorded timely. Sometimes a whole month was skipped and two payments recorded the next month. Sometimes the payments were recorded late in the month. This did not show a consistent payment so I had to reach out to my bank for the history from the bill pay with chase bank to show that I had paid on time each month. This almost affected my ability to get a refi. On the payment history provided by BMO it showed a balance of XXXX. While I understand that this is not a payoff, it is usually pretty close. Prior to closing we requested a payoff. We were first told it would take 3 weeks. After some argument they said 5-10 days. When the payoff was finally sent it showed a balance of XXXX. This was a huge surprise. BMO despite that fact that my BK had discharged and I had requested statements did not send any.
When calling BMO Harris I spoke with XXXX who said that they had applied my whole payment to principle and had not followed the XXXX % that they were supposed to. This was another obstacle for us to be able to refinance as the amount was XXXX over what was on the payment history sheet sent previously. They did not follow the court order of the Bankruptcy, and were now wanting to back charge me all of that interest. This also will affect my taxes. I am trying to better my financial situation as a responsible consumer and kept my home instead of adding to the ugliness of the home crisis at that time. BMO Harris seems to have been irresponsible and I am now paying for that.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX Credit Bureau, TransUnion Credit Bureau and XXXX XXXX Credit Bureau You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly, states that I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end Consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I co-signed for my daughter in XXXX. In XXXX she allowed her vehicle to be repossessed. The name of the company is XXXX XXXX XXXX XXXX. I have constantly disputed this on several occasions. I noticed that they opened a new loan with a different account number on my report with both showing as repossessions, which has caused me the inability to get a car loan or any type of loan. Both of the account numbers are partial and incorrect. 

XXXX XXXX XXXX was closed out in XXXX. They have been contacted as well. This account also reports a partial account number. 

Amongst other derogatory accounts with partial numbers on my credit file as well.
Product: Credit card

I applied for a PenFed Credit Card and got denied regardless of the reason I was denied. I have the right to credit, withholding my access to my security is SECURITIES FRAUD! You are violating the Equal Credit Opportunity Act and Consumer Credit Protection Act since you are denying me my credit PLEASE RETRACT MY APPLICATION. 

THANK YOU XXXX XXXX Attorney in Fact for XXXX XXXX
Product: Mortgage

In XXXX 2013 I sold my home in XXXX CO. Since that time HUD contacted me regarding a balance I owed to them for an additional debt. I have worked out an agreement with HUD and paying that debt. Now Avalanche Title has began contacting me repeatedly demanding that I pay this debt immediately and I have no means of do so. They have contacted me via phone and now have began emailing me at my place of employment demanding that I settle this debt with HUD. I have other financial obligations and this was proven to HUD and this why they agreeded to accept the payment arrangements. I feel that Avalanche and the realtor did not do their due diligence in obtaining this debt information from HUD and now they are placing the blame on me. During the time of the sale I was dealing with a XXXX parent and stated honestly and without reservation that I was not sure of any other debt and truly could not remember any addtional monies owed on the property. I do not want to face any type of judicial issues regarding this sell and would like for Avalanche title to stop harrassing me regarding my payment arrangement with HUD.
Product: Credit card or prepaid card

I have been paying a closed account down with UBS bank. Even though I have made a payment every month, UBS has retained a law firm that is continually harassing me and is not abiding by the cardholder agreement. I would like UBS to CEASE and DESIST from this harassing activity immediately. And be appropriately sanctioned by the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my twelve endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 ; XXXX Inquiry : XXXX XXXX, 2021 ; XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 ; XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, 2021 XXXX XXXX XXXX XXXXInquiry : XXXX XXXX, 2021 ; XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX Balance {$1100.00} ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX ) XXXX Balance {$950.00} XXXX XXXX XXXX Balance {$2200.00} 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 Balance {$1500.00} ; XXXXXXXX XXXX XXXX Balance {$630.00} ; XXXX XXXX XXXX Balance {$690.00} ; XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX XXXX Balance {$4500.00}.
Product: Credit reporting

I continually experienced additional fraud to my name and social in spite of the efforts made to prevent it. The following additional accounts are a result of my identity being stolen and need to be documented and removed from my credit report. 



XXXX
Product: Credit reporting or other personal consumer reports

For the past six months i have written to all three bureaus asking them to review the inaccuracy on my report one company under two different names they are allowing to report on my credit profile information thats not accurate XXXX and XXXX are the same company the Bureau is allowing them to report debt that isnt mines They allow them to report on my acct when i have never entered into any contract and they allow them to report the same date twice all the company did was change the amount of debt they also allowed them access to my credit file when i have a do not share on file i have security alerts on file XXXX been compromised several times by hackers i asked all 3 bureaus to send me documentation showing what they received that allowed them to allow this behavior and i have told them that i dont have no payments due to these companies Im not late because i have no open accts with these people they reporting so many things wrong open acct, late payments and i have never made a payment or signed any contracts but they do nothing leave on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Transunion a letter ( see attachments ) on XX/XX/2022 informing them to update my personal information.