23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I borrowed {$2600.00}, became ill, not working. Lending company got judgment against me for {$5000.00}. Garnished my wages for {$150.00} per month for the last XXXX months. My payroll company stop the garnishment after {$4000.00} was paid ; now they are coming back to garnishing my wages again for another {$2100.00}.
Product: Credit card or prepaid card

Capital One utilizes deceptive practices when provided users with their credit card statement via email. On two occasions my payment has been late due to the fact that the email highlights the " Statement Close Date '' and buries the " Statement Due Date ''. All other credit card email statements I receives highlights the Statement Due Date and payment date. The manner in which Capital One disseminates the information on the email highlight statement it is easy for a user to miss the payment date and incur late fees. After presenting the emails I have received from Capital One to numerous individuals, they all thought the Payment Due Date was the highlighted Statement End Date and missed the Payment Due Date buried in the first paragraph. 

I feel this is done purposefully by Capital One in order to increase their late fee revenue rather than provide the consumer with an easy to understand email highlight statement of when and how much is due.
Product: Credit reporting or other personal consumer reports

I contacted XXXX to try to resolve the issue and I was told by a representative, they did not have access to may account history. I had applied many years ago for XXXX acc, always paid onetime, then used the account again, paid it off and the company continued reporting account not paid. I am asking for complete debt validation claim, with account complete history to match my records, with my original signature. 
XXXX was a store I visit once a year, specially during holidays only and I always paid off my balances.
Product: Credit card or prepaid card

On XX/XX/XXXX, I ordered products with a Free Shipping event. When my order was shipped, I was charged for shipping. My order confirmation clearly shows shipping was " FREE ''. I contacted the company and they replied " Thank you for emailing QVC. I apologize for the confusion we may have caused, our XXXX XXXX  special was for 4 easy pays on all items, not free shipping.Thanks for your understanding. It has been a pleasure assisting you. Thank you for shopping with QVC! '' I sent a copy of my confirmation and the QVC XXXX XXXX Free Shipping Event ad. Still they did not honor the Free Shipping. 

This is false advertising.
Product: Debt collection

These accounts were opened on XX/XX/2023 and XX/XX/2023. They have balances of {$1300.00} and {$640.00} respectively. I have no knowledge of these accounts, and I have no Idea where they came from. I was never notified of these collections. Whats more, these debts are fraudulent and inaccurate.
Product: Credit card or prepaid card

I had a fraudulent claim on my account around XX/XX/XXXX, I quickly reached out to Bank Of America prepaid unemployment card regarding the issue. They put my account in the negative around XX/XX/XXXX and I had a negative balance of XXXX XXXX They told me to file another claim so that I can receive my funds which I did. I had to wait nearly 90 days to hear something back. On XX/XX/XXXX my account was magically out of the negative but I was left with a balance of {$0.00}. I havent received any of my money from BOA from the moment unemployment put the money on the card. Someone has stolen my identity and now I have to hassle BOA for my funds. None of the reps know what theyre talking about Ive called and emailed multiple times only to keep getting the run around. This bank allowed someone to steal my identity and then blame me for it and not letting me see a dime of my money. I am heartbroken and so upset that this has happened and not one of the reps can even show a little compassion. Its like they lie just to get you off the phone. I was told my account will have my money in it by 24 hours and I havent received anything this is beyond ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a XXXX XXXX XXXX in XXXX, Utah, I got a car loan through WELLS FARGO CAR DEALER SERVICES, now called just Wells Fargo. 9 before they used to say there were not part of Wells Fargo and that they were completely separate from them, not true of course ) I have paid my car payment all 60 months. A couple of times 2 weeks late, another time 29 days late ( XX/XX/XXXX, when my mother passed away and I was in XXXX for 6 weeks ) I paid the car off in XXXX and 30 days later received the car title through regular mail. Wells Fargo stated during the whole life of the loan that this car loan has been a " charge off " and it's entirety. That is not true. A charge off means when someone that owes money does not pay or stops paying. That had never happened. If that was the case, how come they sent me the title? How come I never had this car repossessed? How come I still have the same car? I have called them a minimum of 45 times, I have explained this to about 40 different people over the phone. Only to be put on hold and transferred and no one fixes anything. They say they will call me back with a resolution and no one does. I have wasted an incredible amount of time on this issue. I have disputed this with all credit bureaus several times. Even talked to Supervisors, " escalation teams '' to no avail. Credit Bureaus are siding with Wells Fargo even though everyone in this country knows Wells Fargo is an extremely fraudulent bank. The fact that they are reporting my car as a charge off when I have paid every month it's not only wrong, it is also a lie, it is illegal, fraudulent and corrupted it has dropped my credit score by at least 40 points. It has prevented me from renting another place to move ( because of low credit score ), it has also prevented me from getting a newer vehicle and it also due to an excessive amount of stress and anxiety trigerred an XXXX  XXXX which I will have to deal with for the rest of my life. It is called XXXXXXXX XXXX XXXXXXXX. I will have to be on medicine every day for the rest of my life. This XXXX is not curable, it's just maneagable. I have been dealing with this problem for 3 years, I have been on the phone with everyone involved an incredible amount of time to no availability. Please look into it as soon as possible.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit card or prepaid card

Creditor closed my account fir no good reason will not tell me why and now has my money their are severely outstanding dispuites on that card which have been ruled in my favor yet a have not recived my money from the balance that was left on the card. I want my money returned to me the dispuites were ruled in my favor. I also want a complaint on file this creditor is bogus and closes people 's accounts for no reason with no explanation. Ridiculous
Product: Debt collection

I am writing regarding a collection account that is being reported in my credit report on potential violation of fair credit and debt collection laws. 
The collection account in question is reported by DISCOVER Bank has a balance of XXXX. Despite the account remaining on my credit report, I have not received a Form 1099-C ( Cancellation of Debt ) as required when a debt is canceled or discharged in accordance with IRS guidelines XXXX 
Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), creditors and collection agencies must ensure accurate and fair reporting. Reporting a debt without issuing a required 1099-C form raises questions about the validity of the debt and compliance with federal regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company called Ditech Financial LLC will not stop sending me bills of balances that I've never had with this company and my credit is affected by this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed a lot of inquires on my credit report. All these inquires were not authorized by me. I have no idea where these came from. I have contacted transunion and they refuse to remove my inquires, despite the laws. I have no knowledge and they have shown me no proof that these inquires belong to me.
Product: Student loan

On XX/XX/XXXX I recieved a message from Mohela stating that there was a change in repayment terms. I recieved this message on XX/XX/XXXX, but it is dated XX/XX/XXXX. I was previously on REPAYE plan ( IDR approved XX/XX/XXXX ), which was changed to automatically to the SAVE plan. All three of my loans, previous to XX/XX/XXXX were on the SAVE plan and entered into the PSLF tracker. XXXX XX/XX/XXXX, my largest loan was moved from the SAVE plan into the LEVEL or standard repayment plan, with no information why this happened. 

I have been approved on the the PSLF plan since XX/XX/XXXX. I applied for PSLF in XXXX, XXXX. I had to resubmit my PSLF application three times, because I was told that Mohela was having trouble with faxed submissions. I would fax my application. Wait 90 days. Then, after the 90 days, I would have to call them, regarding the status of my application. I would then be told I had to resubmit it. This cycle only ended in XXXX, XXXX, when my application was processed and accepted. 

I called Mohela on XX/XX/XXXX. I was on the phone for two hours. The representative could not tell me why or how my loan was moved from the SAVE plan and to the Standard Plan. This is resulting in an untenable monthly payment. I was told I had to self-recertify and apply for SAVE again. This was puzzling because they should have this information from the approved IDR application from XX/XX/XXXX. I was told I then needed to wait up to ten business days for the self-recertification to be processed. As of XX/XX/XXXX, it is not processed. Nor do I have information on when my payment is set to resume. The representative couldn't tell me that. Moreover, on the Mohela website, there is no due date or amount entered, as of XX/XX/XXXX. 

In summary, I was taken off the SAVE plan and entered into the LEVEL ( standard ) repayment plan with no communication, resulting in a very substatial increase in my monthly payment. Representatives could not tell me why or how this happend. I had to self-recertify over the phone, when my IDR application was accepted almost a year ago. Payments are to resume in 9 days, I have no information regarding the amount I will owe, nor do I have a due date.
Product: Debt collection

We had a Mortgage Audit done around XX/XX/XXXX XXXX have already sent out the information to the parties involved but we are in disagreement as to who has access to the Note under the REAL Property Status recorded in our name XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Pursuant to the XXXX XXXX Supreme Court 's decision in XXXX XXXX Countrywide XXXX XXXX ( XXXX ), 135 S.Ct.790, TILA gives me, as a borrower, the right to rescind the subject loan until midnight of the third business day following the consummation of the transaction or the delivery of the disclosures required under TILA. I am hereby notifying you, as the creditor, of my intention to do so as you and/or your predecessors have failed to satisfy the TILA disclosure requirements, including but not limited to delivery of a written document to me explaining my rights at the time of the transaction. Therefore it my right to Request a NOTICE OF RIGHT TO CANCEL. 
SEE DOCUMENT PRESENTED IN THIS LETTER
Product: Credit card

FIA is reporting a balance that is fraudulent and has arbitrary instead of removing the fraud transactions closed my account, this has caused me great harm and as such to put mildly the final straw
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with equifax on X/X/17 checking the status every couple of weeks and always said pending and an estimated date of completion it 's now X/XX/17 and I have no response well over the 30 days they have no phone numbers to reach them only recorded lines that give you certain options then it hangs up on you
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied for a credit card with XXXX XXXX ( XXXX  ). The deal was for me to spend {$3000.00} within 90 days, and receive a bonus of 60,000 XXXX  miles. I completed my end of the deal, as I had spent nearly {$8000.00} by the end of XX/XX/XXXX. However, as of XX/XX/XXXX, I had not received my bonus miles. 

In early XXXX, I called customer service at XXXX, and spoke with XXXX. She in turn called Citi Card services, and after a 20 minute wait, we had XXXX on the line. XXXX simply said that I was not eligible for that offer, and suggested that I fill out a dispute form if I wished to challenge her finding. 

On XX/XX/XXXX, Citi sent me a letter indicating that I was not eligible for the Bonus offer due to the following clause : Special offers arent available when an existing account in the same product has been approved or closed within 24 months. 
I disagree with that conclusion. The initial ad did not explicitly mention that restriction, and, Citi Card services could have checked for that condition during the review of my application, and rejected me right then, not after I had spent nearly {$20000.00} on the card. 
Therefore, I believe I should be entitled to the 60K bonus miles.
Product: Money transfer, virtual currency, or money service

XXXX settled my XXXX  in a timely manner for the attached amount however they coded the Venmo transaction as " Goods and Services '' which is incorrect. No one at XXXX, XXXX XXXX, or Venmo can help. I've given up on all three of these companies. I find it unacceptable that a multibillion dollar company can not cancel a transaction with my permission ( as I'm the recipient ). I am now in jeopardy of losing my XXXX XXXX thanks to these people. If I could sue for damages and lost time at work, I would. 

Hopefully you can help this common sense problem. 

Regards, XXXX XXXX
Product: Credit card or prepaid card

Best Buy Visa Card was in XXXX balance. Today I received an account statement by mail. Statement up to date XXXX charged a total of {$4.00} for the following transactions : Date Transaction Charge - XXXX ... XXXX XXXX XXXX  XXXX ... .... {$2.00} - XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX ... ... {$1.00} - XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX ... ... {$1.00} I call Best Buy XXXX and report that I notice the above fee charged by them to my account for a transaction that I did not made or authorized. 
They give me the option to close the account. I agree to close the account. 
They told me they will make an investigation. I told them that I was worried of the card being used by other person or the possibility of identity theft. During the phone call some personal questions where made by them like my actives phone numbers, my address and to give a password for contact me for the future for the investigation. I told them to contact me by letter.
Product: Credit card

Formal Complaint and notice of Violation of Credit Card Responsibility and Disclosure Act of XXXX Attn : Office of President U.S. Bank Reference : Account # XXXX Operator : XXXX # XXXX Mr. President, I attempted to call in to your company on XXXX/XXXX/XXXX and make a payment on my account. My account currently shows XXXX separate APR 's and my attempt was to pay off in full the higher interest rate of 23.24 % at the sum of $ XXXX. This would leave the remaining balance of $ XXXX at the lower interest rate of 18.24 %. This would leave me 11 days to pay the " minimum payment due '' before the date of XXXX/XXXX/XXXX. Federal law clearly states the following : Handling of Payments Credit card companies are now required to abide by certain rules regarding how to handle payments made on an account. One of the most important changes is that for customers who have multiple APR 's applying to different types of debt credit card companies must now apply those consumer 's payments to debt in the order of the highest APR first. No longer can companies apply payments to debts with lower APR, while leaving debts with higher APR to accrue interest charges. '' Your operator XXXX # XXXX refused to take my payment and apply it to the higher interest rate today. He was n't refusing to take my payment but did state that he would apply it elsewhere leaving the higher interest rate balance to accrue the higher rate of profit to your company. This is a clear violation of the Credit Card Responsibility and Discloser Act of XXXX and I request your assistance in correcting this complete and total disregard of Federal Law immediately. My goal is to satisfy my debt as soon as possible but when a consumer calls into your company, not only is he met with a total disregard of the law but an obvious attempt to gain the most profit for your company as possible. This is not only illegal but immoral. Furthermore, I request a lower interest rate on the remaining balance as a sign of good faith on your company 's behalf to show that you are trying to at least help your customers who may have experienced a tragedy in their life beyond their control. I do understand that you are in the business to make money and profit to which I have no disagreement. I 'm merely requesting a lower APR on the remaining balance to facilitate a consumer making some progress in paying the debt off faster. This would also show a sign of good faith due to your employee 's total lack of complying with the Federal Law.
Product: Credit reporting or other personal consumer reports

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, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

On XX/XX/2019 at XXXX XXXX  CST, I received a phone call from phone number XXXX-XXXX-XXXX. The lady said she was with I think " Global Locating Services '' and she was looking for XXXX XXXX. I told her that I do not know a XXXX XXXX and she then said that she would " pass this information over to her fraud department as falsified credit information. '' Her tone was very rude and I feel this type of language was not necessary. I don't see the need for her comment after I said that I did not know this person. She should have just said thank you and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

nquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX   Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXXXXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX remove all the inquires
Product: Mortgage

I receive a Breach letter from Selene Finance, knowing my account was not 120 days past due I placed a call to Selene finance to obtain information on why received a notice of default. I was told by a representative of Selene finance that they hold my payment in suspense account due to a previous bankruptcy I filed many many years ago. In disbelief I continued to pay my payments. Today I received my XXXX XXXX billing statement from Selene finance and saw that my payment made on XX/XX/2023 was held in suspense- I made a payment of {$1100.00} my payment is XXXX they held the entire payment from XXXX in suspense. The payment made in XX/XX/2023 wasnt reflected. When communicated to Selene Finance via email I inquired in regards to the breach letter and cost of that breach letter - I didnt receive any response from Selene Finance addressing the breach letter at all. When I called back to Selene the representative was less than helpful and asked me what was I talking about and why it mattered I am paying my payments.