23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am an employee of a company that is owned by my husband. On XX/XX/18 around XXXX XXXX I received a phone call from a woman who failed to identify herself or what company she was calling from. She called my personal cell phone asking to speak to my husband and refused to give me any information regarding who she was. I am under no obligation to even speak to someone when they initiate a phone call like this. After a few minutes I decided to call the number back, assuming I would get a main menu type of answer, which would tell me what company was trying to contact me/my husband. The same woman answered and identified herself as XXXX from XXXX XXXX XXXX, and she was immediately rude once she realized it was me calling. I, of course, I then reciprocated the same tone and behavior toward her. She works for a company that supplied a loan to my husband 's business and she wanted to speak to him ( the owner ) regarding said loan. He called her back, spoke to her about her issue and told her to never ever call me on my personal phone number again. She has all corporate contact information and there is no reason for her to contact an employee on their personal phone number. 
Part of my job is to deal with financial aspects of the business, so I sent an email to the original contact used to obtain the loan, asking for direction on other lenders they use. We intend to pull our loans from XXXX XXXX due to the interaction with XXXX yesterday. She decided, after being told never to contact me on my personal phone again, to call me on my personal phone number and complain about how I contacted the original lending company. Her contacting me is completely unnecessary and serves no purpose other than to harass me. She has been told now numerous times to contact only the company phone number if she has an issue. 
My husband let many of his business owner friends and acquaintances know about this company prior to this unprofessional joke contacting me. Now we will begin the process of letting everyone know they are harassing, unprofessional, and bullies. I reside in Colorado, where harassment is illegal. She committed a crime as well as far as my local laws are concerned
Product: Credit card

This is a follow on to complaint XXXX. I made XXXX XXXX XXXX XXXX  promotional purchases, a couple minor purchases during XXXX, and XXXX or XXXX more promotional XXXX XXXX XXXX  promotional purchases. The total amount was {$5500.00}. I have paid {$600.00}. The balance should be {$4900.00}. This is not that difficult. No interested should have been charged due to the promotional purchases and the smaller purchases being paid immediately. You charged me interest on all promotional purchases. You constantly claim you will fix things but don't. Around XXXX - XXXXXXXX XXXX XXXX you made random adjustments. From then on the balance doesn't even match the credit you claim not even accounting for the fact that you fraudulently charged interest. The Lady I spoke with in XXXX at least admitted you screwed up and stated I would be credited the amounts owed and it would be reflected on the XXXX statement. I submitted another complaint with CFPB where you said the errors would be fixed and credit on the XXXX statement. As usual, nothing. While wasting my time on the phone with XXXX XXXX XXXX XXXX again today I was hung up on twice and told both times prior to being hung up on that you can not look that far back. Funny thing is, I can. I can see all of my statements well past then. And I was told I should have called before, that I missed my chance to correct this. I have called numerous times. You can see that I have called numerous times and you can see some random changes you have made as a result of the calls yet you refuse to actually fix the problems. It is pointless. You are clearly not competent and have no intent of fixing your errors. The value of my time wasted dealing with your screw up is around {$3000.00}. Your ongoing negligence should have to cover my time.
Product: Checking or savings account

Overdraft fees return check fees from companies who were not authorized payments
Product: Prepaid card

On XX/XX/2024 I purchased a XXXX gift card with {$500.00} loaded to it. I have tried to use the card to make a purchase in stores. I has declined every attempt. When I call Incomm, thye keep me on hold a long time, and tell me to try the card again, even though it continues to decline.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax leaked my credit information. I am now forever vulnerable to be a victim of identity theft.
Product: Vehicle loan or lease

XXXX paid XXXX towards principal XXXX talked to Exeter representative XXXX paid {$550.00} towards principal XXXX paid XXXX monthly payment due the 14th day of each month XXXX Spoke to Exeter representative XXXX XXXX I spoke to numerous Exeter representatives about my account to make sure my payments were applied right, as I could see on my account they were not. 

XXXX paid XXXX monthly payment. 
XXXX Spoke to Exeter representative asking for a valid invoice from XXXX, as I had not received a billing invoice that shows my payments & how they were applied to my loan. 

I am being robbed!
Product: Checking or savings account

I was notified by XXXX XXXX XXXX that I had to complete an Affidavit of Check Fraud by Payee to dispute a cashed check that I/my company never received ( XXXX is XXXX payer & my company is the payee ). 

The affidavit was completed, notarized & submitted in XX/XX/2023. 

I nor XXXX have heard anything about the status of this affidavit or the cashed check. I need this investigation completed so the funds can be returned to XXXX & XXXX can reissue payment to my company.
Product: Mortgage

I lost my job a year ago and also fell ill, i could not make payments so home went into foreclosure. VA felt my illness was just bad health, i was getting worse and they wanted to hospitalize me but i refused, last visit i mention this to my new provider and he noticed something so he prescribed antibiotics. It turns out i had an XXXX that was causing the XXXX  XXXX XXXX, XXXX XXXX, XXXX problems, etc. During this illness i files for chapter XXXX but was dismissed due to filling out income incorrectly, i filed pro se and was not able to find legal assistance. I corrected the forms and refiled but was denied because i did not pay for the first filing, even though i had no income. 
My foreclosure sale was scheduled for the XX/XX/XXXX and my only hope was to file chapter XXXX, but i had to pay for all filings which was ~XXXX. I had just started working part time since i was recovering. 

i filed on XX/XX/2018, well in advance of the foreclosure sale in 6 days. I calles wells fargo on the XX/XX/XXXX to work on a payment plan and was told sale went through but notation on account stated they were going to rescind sale. It turns out foreclosure trustee denied to reverse the sale because this was the 3 bankruptcy but there was a stay in effect and a chapter XXXX is treated differently than a chapter XXXX.Foreclosure trustee is supposed to be a neutral participant and this was clearly not the case. Wells fargo is the servicer not the lender, i dont believe they had the right to foreclose on my house.
Product: Credit card

XXXX XXXX admittedly charged us improperly ( totaling {$1000.00} ) on our Barclays XXXX XXXX AAdvantage Aviator Mastercard on XX/XX/year>. I have spoken to several representatives on the XXXX XXXX XXXX XXXX line and all have said we are due compensation however they can not issue the refund and only the refund department can do that. The XXXX XXXX XXXX department is non-responsive so we tried to dispute the charge through the credit card company. When filing the initial dispute with Barclays the representative told me it is very difficult to dispute a charge with the affiliate who is branding the card. I asked for the dispute anyways. Barclays sent a letter with the case numbers ( XXXX {$620.00}, XXXX {$620.00}, XXXX {$35.00}, and XXXX {$35.00} ). The letter stated a dispute XXXX was assigned and they would reach out if they needed more information, nowhere in the letter did it provide a way for me to submit information. Seven days later I received a notification in my credit card online account that they closed the dispute due to me not providing them information. I called to ask why nobody ever contacted me and they said the only way to reopen the dispute is to fax or mail in a request to reopen the dispute. I faxed the request in with details of all the ticket numbers and amounts and they still refuse to reopen the dispute. They are clearly not disputing it because it is a co-branded card with the merchant. I have copies of all the letters received, notes from my various calls with XXXX XXXX customer service reps which have all of the reservation and ticket numbers, and finally an XXXX spreadsheet accounting for the improper charges.
Product: Debt collection

Calvary, SPV aka Calvary/Portfolio SPV is attempting to sue me through the Law Offices XXXX XXXX XXXX XXXX XXXX XXXX for a debt of XXXX. This account was closed and part of a class action lawsuits against XXXX ; also Calvary/Portfolio is also the defendant in a class-action lawsuit that I am privy to. I have letters and post card proving that I do not owe the account, as the account was closed per me, noted by XXXX Also class action lawsuit settlement. Their information against me also included a false affidavit. I contacted the County Court with this information, and sent certified letter to XXXX XXXX XXXX XXXX XXXX as of XXXX/XXXX/2017. However, Calvary has resubmitted items on my credit report dated XXXX/XXXX/2017, stating the balance still and that I am disputing it. It is still entered on my report as a debt. No information has yet to be sent to me or reply to the court regarding my answer on their potential judgement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/XXXX XXXX XXXX XXXX  XXXX made a hard inquiry to my credit report without my consents, and without my permission. Someone from XXXX California used my SSN information applied for a XXXX XXXX credit card. I asked them to put fraud alert, and remove this hard inquiry record because it is hurting my credit score but the bank is not taking an action to fix the issue. And this case with XXXX XXXX happened in XX/XX/XXXX as well. Same issue, I did not apply for a credit card but still received a hard inquiry to my credit. The bank till to this day has not removed that record. Please help me remove those unauthorized hard inquiries from my credit report.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with Credit Systems International , Inc plus they did not provide me with the original application like I asked.

Account No : XXXX Amount Disputed : {$55.00}
Product: Credit reporting or other personal consumer reports

I Am asking for the security freeze on my account to be removed.
Product: Student loan

I have student federal student loans which were initially going through XXXX XXXX back in XXXX. Those loans were then transferred by XXXX XXXX to XXXX a few years later. I was set up on and XXXX payment and as told that I would be eligible for loan forgiveness after 25 years. I then went back to school in the fall of XXXX and did not take any more loans during that time. I called XXXX in XXXX to find out all of the details and best options for paying my student loans while I was going to school and was encouraged to put my loans into forbearance. After finishing my schooling in XXXX of XXXX, I started making payments again. At that time I was told that because my loans were put into forbearance, my timeline of loan forgiveness would start over. I was unaware of this or I would never have put my loans into forbearance. I feel that I was misled in what my best options were and feel that those years that I was in forbearance should be counted toward my years leading up to loan forgiveness.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX with XXXX XXXX for the purchase of {$2200.00}. 
XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX I Cancelled furniture on Monday, XX/XX/2023, XXXX via text conversation with XXXX  or XXXX on his personal device after him sending me a picture of another sectional set trying to get me to purchase XXXX XXXX lied and said furniture was delivered to me that same day. XX/XX/XXXX which is a lie Delivery was scheduled for XXXX, XX/XX/XXXX prior to me cancelling. 

Wednesday, XX/XX/2023, XXXX from Koalafi  hooked up a XXXX call with myself, her and a store rep and he stated I signed a document when furniture was delivered on Monday XX/XX/2023. And as XXXX said the signature on the paperwork ( which I was just finding out my signature was forged ) that was submitted by gallery furniture for payment did not match the signature on my affidavit I signed of not receiving the furniture XXXX was never delivered it was cancelled ; XXXX XXXX forged my signature which is a crime to gain payment of {$2200.00} from Koalafi under false pretenses of me as proof that furniture was delivered. This company Koalifi sided with me in XX/XX/2023 which I have in writing that the account would be canceled and I was not responsible for the purchase since it had not been delivered, after I proved furniture was never delivered, Friday XX/XX/XXXX I received another email stating that since XXXX XXXX is fighting the closing of account the are not going to close it the furniture store could not even tell this company what unit I live in. The furniture was never delivered and koalifi has told me to take it up with the store their removing themselves from the dispute ; which is unruly due to this account is with them and soon to damage my credit due to this business who has loans services through them lying about merchandise delivered
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Bank account or service

Chase bank closed my savings account,and sent my money to the state of Texas,without my authorization,or even telling me. When I got my monthly statement it was just gone. This is my life savings.They are telling me I have to file a claim with Texas and it may take 3 To 4 months and cost over 500.00 dollars in processing fee. I feel like I am being scammed. Chase has made a huge error and expects me to correct. very unfair and I will never trust them with my money ever again. Big banks don't care who they hurt.
Product: Debt collection

Continued to call during all hours of the night and repeatedly contacted on Sundays all day
Product: Debt collection

In XX/XX/XXXX, I purchased a computer through an affiliate company with my former employer, by the name of XXXX XXXX. My bi-weekly payments to XXXX XXXX for the computer were made via auto-draft payroll deductions. 

The computer was paid in full prior to my resignation from my former employer in XXXX. In fact, to ensure that there was no outstanding balance owed to XXXX XXXX, prior to my departure, the outstanding balance for the computer was deducted from my final paycheck. 

XXXX XXXX reported to a debt collection agency by the name of Dyck O'Neal that I have an outstanding balance of {$XXXX}. This is false. I made attempts to speak with someone at XXXX XXXX about the billing error but to no avail. I also disputed the charges with the collection agency but to no avail. This error has been reported to XXXX   and must be deleted.
Product: Credit card or prepaid card

After months of inactivity, Barclay card sent me a letter on XX/XX/2019 closing my account and imploring me to contact them to inquire on rewards redemption. After being unable to resolve my issue a case was made to resolve my rewards issue and on XX/XX/XXXX a letter was sent out informing me they were unable to assist me. an inquiry call on XX/XX/XXXX informed me that my rewards had been forfeited, my accounts closed, and that i would still receive another card statement on XX/XX/XXXX despite the account closure. yet the XX/XX/XXXX account statement still shows the XXXX $ worth of travel rewards that had yet to be used and no notice of the account closure. 

Prior to the closure of this account, no warning or impending notice of an upcoming closure was sent.
Product: Checking or savings account

My claim was XXXX submitted on XX/XX/year> and it was denied because of pin use but my purse was stolen and my pin number was written down on a paper in my purse because I have a bad memory please give me my refund these transactions were not made by me or anyone that i authorized
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my personal information to rent an apartment at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX on XX/XX/XXXX left XX/XX/XXXX I came to learn this after i found a collection on my credit report.
Product: Checking or savings account

Hello, I've noticed many unauthorized transactions and brought these matters to the executive office as well. I was promised several calls back and only received 1 out of 5 calls thus far since the month of XXXX. 

I would have a temporarily credit added to my account, that gets reversed without an explanation within a few days later. 

My account is all out of place and it's something that they know and will not tell me. Which I believe is funny business within the company. 

This is a severe issue and I really need someone to look into this company. 

Thank you in advance.
Product: Debt collection

CCS offices called from XXXX asking for a XXXX. I have told them numerous time not to call and I don't know anyone with the name XXXX. 
XX/XX/2019 XXXX XXXX asked for a supervisor since informed numerous of times not to call. Talk with XXXX and explained more than 10 times asked not to call number. Asked who managed the call center she would only provide the name XXXX.
Product: Checking or savings account

My bank card information is leaked and stolen. Someone keeps charging my account but my card is locked.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : 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 XXXXXX/XX/XXXX
Product: Debt collection

I sent a letter to XXXX in XX/XX/XXXX so they could verify what company sent me to their collects and they sent me documents from a hospital but I never had a contract with Aargon so I 'm not sure how they were able to send me documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried multiple time to have Experian fix this error. I rehabilited a XXXX XXXX and consolidate XXXX of them in 2020. Now the old account is showing a missed payment AFTER loan was rehabilited and there is NO MISSED PAYMENTS. Experian is refusing to fix.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA VIOATIONS NOT MINE PLEASE DELETE NOT MY CC XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3500.00} Status Account charged off. {$3500.00} written off. {$2800.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5600.00} Status Account charged off. {$5600.00} written off. {$4200.00} past due as of XX/XX/XXXX. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$2800.00} written off. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$4900.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$6500.00} Status Account charged off. {$6500.00} written off. {$6500.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3400.00} Status Collection account. {$3.00}, NOT MY CHILD SUPPORT OFFICE OF THE ATTY GENER Potentially negative Date opened XX/XX/XXXX Balance {$2700.00} Status Open. {$2700.00} past due NEVER LIVED HERE XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex  XXXX XXXX XXXX  XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type NOT MY PHONE NUMBERS ( XXXX ) XXXX XXXX ( XXXX ) XXXX NOT MY NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT MY WORK PLACE XXXX XXXX XXXX XXXX XXXX XXXX NOT MY INQURIES XXXX XXXX, XXXX  Inquired on XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Product: Credit card

KOHL/ CAPITAL ONE IS REPORTING OUT OF STATUE OF LIMITATIONS THE ACCOUNT WAS LAST PAID XX/XX/2017