23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Flagship Credit Acceptance has now put themselves below the bar in expectations and how they handle matters.

Even though I have filed numerous complaints against them, the continue to violate FDCPA practices. In addition, even though my husband isn't on the loan paperwork or vehicle registration paperwork, they are demanding that he makes payment on the account.

In addition, they have failed to mail via USPS any Notice to Cure letters on the account, which is required in my state.

They have illegally put the my vehicle out for repossession, without following Missouri laws. 

In addition as another scare tactic, they have stated on two occasions that they have filed for XXXX on the vehicle even though they haven't. 

Flagship Credit Acceptance LLC has failed to follow proper protocol when handling this account. 

In addition Flagship Credit Acceptance has called my husbands phone number for four other people with accounts from Flagship and left nasty messages, such as the messages they've left me on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XX/XX/2023, XXXX, XXXX, XXXX XXXX XXXXXX/XX/2023
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year>
Product: Credit card or prepaid card

Fortiva Retail Credit is charging me interest on an item I returned because it was damaged. They received the credit back on XX/XX/2019 but are telling me I have to continue to pay interest on the balance. The company refuses to refund me the money that is credited on the account and the interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent a dispute letter to XXXX  and Equifax dated XX/XX/XXXX, letting them know that I was a victim of identity theft and the XXXX XXXX XXXX charge/offs needs to be removed, but neither Bureau hasn't yet responded after 30 days, so now I'm filing this complaint because, federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

Experian failed to fulfilled its legal obligation under the FCAR and is still reporting negative results
Product: Credit reporting or other personal consumer reports

Paid an amount of XXXX on card card due amount for XXXX XXXX XXXX  card under XXXX XXXX XXXX XXXX card XXXX. They are saying they will refund the penalty on payment of XXXX but they say no record of XXXX on XX/XX/year> from online bank payment system with my bank XXXX XXXX Bank XXXX They told me after an investigation at XXXX card payment that they are not responsible because I payment was never received by XXXX. XXXX Bank, XXXX Bank XXXX XXXX says they see it as posted ( I have a copy posted XX/XX/XXXX from same ) confirmation number XXXX from checking account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX phone XXXX.
Product: Checking or savings account

My bank has a new Digital Banking login, it is hard to understand and does not show balance after transactions or pending payments in a way that helps show how transactions are being posted. I was expecting to get   XXXX   overdraft fee this month, instead I have gotten  XXXX . This is because they pay the highest amount item first and the smaller amounts after causing the fees to be {$200.00}!!!! They should really get an account at   XXXX   XXXX   and see how an online banking account should work. The fees are out of control and should not be allowed, I need a refund of all but  XXXX  of these fees as soon as possible!
Product: Credit card

American Express sent me an email saying I was over my preset credit limit, I had a " No Limit '' Platinum Card which I paid {$750.00} for the service a year for over 10 years. 

At the end of XXXX XXXX my purchase power was {$75000.00}, on XXXX I received an email saying that I was over my limit at $ XXXX not even have of the purchasing power I was told a few days before. I have been told {$75000.00} was my purching power from the beginning of the card, Amex said that it is now {$28000.00} which I have never had a preset limit with that card, so how can you be over the limit. 

I have never had a late fee or a late payment, perfect record with Amex. This time of year I run the balance higher and then pay off through the year. Now I am unable to use and they want $ XXXX before even being able to use. Why never late for 10+ years and/or completely paid more months than carrying a balance.

Deceptive marketing, I was paying {$750.00} a year, Amex is saying I had a preset limit. Not true.

I called and tried working it out with customer service and they did nothing to help. I have moved all business to another card. The problem is I can not pay the amount they want me to pay because they tripled the minimum amount for being over the preset limit. Again, no limit for 10+ years, why now?

However they are not working with me because to date I do not have a late payment. I tried calling 2 days before the due date however the customer service person would not do anything even when I told him Amex tripled my payment and I could not afford that at this time.

I believe that they did to many people to bring in large amount of cash for the first quarter. Really bad business plan by someone getting rid of loyal, perfect paying, never late paying customers.
Product: Debt collection

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This company has tried contacting me multiple times and has even left me voicemails. The gentleman I spoke to was extremely rude he told me I owed a random debt of {$3300.00} from a old apartment i havent lived at in 6 months. He threatened me if I did not pay said debt it would go on my credit report. I didnt not receive any letter until weeks later. The letter had a random amount and did was not itemized and did not specify what the charges were for or when it was for. This company is not an accredited debt collector. They have been sued numerous times. I refuse to pay a debt that is not mine or one that has little to no information. I have filled a dispute with the company and have yet to hear back.
Product: Credit card

JP Morgan Chase credit card company did not send a monthly statement so I had no information when my payment was due. This was done to scam me so that they could charge a " late fee '' for my not making a payment in time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called XXXX XXXX to get assistance for my XX/XX/XXXX payment for my mortgage loan. I spoke to XXXX XXXX a Home Preservation Specialist with XXXX XXXX. I told her my payment was due and that I was out of work for a month due to a full XXXX  XXXX. 
XXXX XXXX then said she for sure was able to assist me gave me two different options and one of the options was to commit to a payment arrangement. The payment arrangement consists of splitting the month of XXXX regular payment of {$1600.00} in two payments. First payment in a half of {$2500.00} would be paid on XX/XX/XXXX and the second payment would be paid on XX/XX/XXXX for the same amount of {$2500.00}. I asked the representative if this would affect my credit and she replied no because they would help me get on track. I felt in great relief with the assistance. 
My daughter XXXX XXXX is the cosigners to the loan. My daughter is a XXXX XXXX for the City of XXXX CA. In the month XXXX I received a call from my daughter the cosigner of the loan told me how upset she was feeling and asking me why I was late for three months on the mortgage payment she stated her credit score dropped about 80 points. At this point her credit was ruined her and possibly not able to purchase another home for her family since she is soon to get married. 
I have contacted XXXX XXXX several times and have gotten the run around. I spoke to a representative and she was rude just continued to say I was late and would not listen to my concerns and facts. On XX/XX/XXXX I contacted the XXXX XXXX in the external department and asked him to please pull the calls and prove that XXXX XXXX gave me false and misleading information about credit reporting. XXXX XXXX has proof of payment plan letter and payments made to them on time per the payment arrangement letter from XXXX XXXX. I have also contacted Experian and XXXX  and downloaded proof of the payment arrangement from XXXX XXXX and a copy of my bank statement from XXXX XXXX XXXX showing proof that it had been paid on time. 
My daughter and my financial future are in Jeopardy. We are not at peace and all we did is trust our mortgage lender.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 
15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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: Credit reporting, credit repair services, or other personal consumer reports

After pulling my credit report in XX/XX/XXXX I noticed that there was a single late payment on my account that was incorrect. Within the next two months several more had been added to my account showing 30 day late payments. I contacted US Bank and the credit agencies multiple times showing my payments were made on time. I have filed several disputes with the credit agencies and US Bank. As of today XXXX is still showing four 30 day late payments. 

Due date XX/XX/XXXX : Paid XX/XX/XXXX ( {$160.00} ) Reporting 30 day late Paid XX/XX/XXXX ( {$180.00} ) Reporting 30 day late Paid XX/XX/XXXX ( {$190.00} ) Reporting 30 day late Paid XX/XX/XXXX ( {$610.00} ) Reporting 30 day late
Product: Debt collection

I am a victim of identity theft and noticed a collection from pinnacle LLC. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against Pinnacle LLC in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit card or prepaid card

This is a complaint regarding to Discover credit card ( XXXX XXXX : XXXX ). 

In XX/XX/2023, I got an offer that spending {$250.00} on digital wallets, I would receive {$25.00} cash back. I called Discover telephone number on the back of my credit card XXXX. A gentleman answered my phone and he confirmed with me I did have that offer under my account. I asked him whether I can use XXXX to compete that task. He answered YES. 

XX/XX/2023, I called XXXX again. The phone connected with XXXX XXXX, who told me that she is a specialist based in XXXX Office. She said I should receive the {$25.00} cash back bonus on XXXX Statement on XX/XX/2023 because the {$25.00} cash back bonus applies to my account after two billing cycles. However, I did not receive the {$25.00} cash back on my XXXX Statement. 

Therefore, XX/XX/2023 I called XXXX again. The phone connected with XXXX XXXX She said that because there are some returns so the amount I spent is less than {$250.00} ; therefore, I am not eligible for the {$25.00} cash back. I explained to her that your Discover credit card does not take back cash back when there are returns, but now the fact that you told me you do take back cash back is too late. If I knew you took back the returns, I would have spent more to make up the amount. 

Please see attached XX/XX/2023 cash back summary, which shows very clearly that the XXXX returns does NOT take back from cash back. Now because Discover does not want to pay, they said they do, which not match with the attached summary. 

I asked XXXX XXXX to escalate the case. After XXXX days, XXXX called me, treated me very badly. I asked her what is her last name. I just want to use it as a reference. She even didnt want to provide it to me. Everyone in Discover I talked before was able to provide last name, why is she so nervous? It does not make any sense. 

I want Discover to give the {$25.00} cash back because I have spent the time to call Discover, and then I did all the work already. If there are any information misinformed by Discover representatives, I should not be the one who takes the responsibility.
Product: Debt collection

XXXX : My account was sent to collection. I was told that the regional director would be calling me to resolve the issue and never did. 
Forgot to call me after admitting the property manager was screwing up and he had to fire her over the issue. I want my deposit back and the collections removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

had ID theft done hacking, sent all reports I had to move this has taken over my life SENT FTC, cfpb complaints noone will help just turn down after turn down not taken in consideration of the ID theft Banks telling to remove my fraud alert uneducated people that these people have hired that don't even belong in a branch have you guys really ever shopped your own banks? 
Walk into one very rarely do I get a trained profession. Cutting pay for what? to get people that don't XXXX about banking? You guys are the bread and butter of the American economy but you rather cut pay and make the government spare your expense cfpb should be the higher ups of the banks protect our economy not try to XXXX us. YES its sad to walk around with the knowledge I have and walk into a bank. XXXX when people are put in the wrong position I'm sure XXXXXXXX XXXX wouldn't be a very good RB or XXXX XXXX a great WR, so put people in the right position to succeed. STOP having the government monitor every. You guys owe it to us get this stuff right no reason why you guys only do something b/c youre afraid of the cfpb do it b/c its the right thing to DOOOOOO
Product: Credit card or prepaid card

Went to make my payment with many of my community store charge accounts ( recently XXXX and XXXX XXXX store credit cards ). My due date was XX/XX/2023, went to pay at XXXXXXXX XXXX, and their was a message statement saying " Please submit your payment by XXXX E.T. '' I selected my payment options, the payment schedule showing my due date, and would not let proceed, until I had to pick the date of the XXXX of XX/XX/2023. Which made my payment late! No another late fee. How can they ALL get away with these early cut off times, how is fair to the comsumers trying to keep their budgets and credit scores in good shape. I personally can not auto pay I have a tight current budget. If the DUE DATE is the XXXX then you should be considered on time! Because you paided on the correct date. The greed ... Now late fees are piling up, Same with XXXX XXXX Department stores, Just happened to my mother 4-5 months ago, And that was a nightmare completely. With them they add a late fee, if they credit it back to you it will not show up until next billing cycle, and they demand the late fee no matter what ; or your account is considered behind, what a bunch of crooks! Even though your payment were done on it's due date, but on early evening the consider it the next day! The greed, where are the Comsumers WATCHDOGS, someone needs to reel the greedy creditors in. Most comsumers are on a tight budget and the unnecessary late fees can destroy your budget V/r XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute information on my credit report that I believe is inaccurate and should be removed. These mistakes that you are reporting are affecting my character and reputation as a consumer.
Product: Money transfer, virtual currency, or money service

Whenever I logged into the XXXX XXXX app, I went to go make a Zelle payment to pay somebody and then it ended up not showing me the fraudulent scam and that shows you like if you send this payment itll it might be a fraudulent or scam so be careful like the caution for so I ended up not sending it because they just sent through and then whenever I asked for the money back and never came back and they said well youve made the payment so we cant pay like we cant give it back and I was like well. It wasnt a fraudulent scam notification.
Product: Credit card or prepaid card

I filed 2 separate claims on XX/XX/XXXX. 
BOA made me file 2 separate claims for the same charges. I appealed both and they were all rejected with no reason given. BOA did not attempt to reach out to the company to verify the charges prior to rejecting them. 

Claim 1 was Claim ID XXXX and Claim 2 was Claim ID XXXX. 
XXXX I was charged {$42.00} every month from early XX/XX/XXXX to XX/XX/XXXX. The charge is from something called " XXXX XXXX MA ''. The total amount was over {$600.00} On XX/XX/XXXX I contacted the company in attempt to get info on what this charge was for. I spoke with XXXX with badge ID XXXX. XXXX was unable to find my name, CC #, email, phone # or anything that associated me with XXXX and he told me that there was nothing he could do and that I needed to contact my CC company ( BOA ) to dispute the charges. I did that and everything was rejected by BOA. BOA never attempted to contact XXXX for details and the only reason they provided as to why my claims were rejected was because this was a " subscription or reoccurring bill that i have paid in the past. '' The only reason I paid it in the past is because I never caught the charge on my credit card so it was always paid. This does not change the fact that this is a fraudulent charge.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX a false application for credit was entered on to my credit report. i did not apply for credit through Capital One - someone has my information to apply with. a second application was submitted a day or two later. capital one identified the hard inquiries on my credit as applications made, denied them both, and i requested documentation of the same. they said they do not provide such documentation. this complaint is XXXX  : someone is making applications in my name and i can not confirm that capital one has denied said applications.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Date of Opening : XXXX XXXX, XXXX Outstanding Balance : {$970.00} Bank Name : XXXXXXXX XXXX Date of Reporting : XX/XX/XXXX Status : CLOSED BAL : {$5700.00} XXXX XXXX XXXX Date of Opening : XXXX XXXX, XXXX Outstanding Balance : {$2500.00} XXXX XXXX XXXX / XXXX Amount of debt : {$0.00} Date of Service : XXXX. XXXX, XXXX And all 14 hard inquiries thats added to credit report that was not done by me
Product: Credit reporting, credit repair services, or other personal consumer reports

ALLY BANK, XXXX XXXXXXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX HAVE VIOLATED THE UNITEDS STATES CODE. 
THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY XXXX. XXXX XXXX REMOVE IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX.ALLY FINANCIAL XXXX XXXX XXXX 15 U.S. Code 1681e - Compliance procedures U.S. Code Notes prev | next ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit card

We've been trying to use this {$100.00} card. When we tried to use the card, it wouldn't process the transaction. I tried calling the helpline in the back and they told me that the card had already been spent. Upon checking the details, they found that the card was spent in a different state ( XXXX ) from where we received it ( XXXX ). We told them that we didn't spend the amount because we dont live in XXXX  and we weren't in XXXX during the time of that transaction. We also have proof that we were located elsewhere. They asked us to file a dispute to : INCOMM Disputes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We filed it with a case number XXXX. We received an email reply that they did not approve our dispute and no reasons why. We've been trying to reach Customer Service since to understand why our case was denied when we weren't the ones that spent it. We just want a replacement card with our funds on it back and we can not receive any response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing the inquiry from Comenity Bank since XX/XX/20. I did not apply or have credit with Comenity Bank.