23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I was nearly XXXX  in a car accident caused by an XXXX driver  who made an illegal turn, while onXXXX the clock & t-boned us into a pole. I was XXXX XXXX XXXX for almost a XXXX  after the XXXX  unit for a XXXX. Im waiting for my XXXX  XXXX, Im still recovering over XXXX yrs later. 
Westlake has had no empathy or compassion for my circumstances. 
XXXX XXXX XXXX insurance cut Westlake a check but it wasnt enough for Westlake, I bought gap coverage from Westlake that was supposed to cover the difference. My lawyer tried to contact Westlake to make sure it was taken care of and even with proof of representation they wouldnt speak to him, so he assumed it was taken care of they refused to deal with the person who payed everything when my settlement came in.
They just took the balance and threw it on my credit report as not paid, being late XXXX XXXX & XXXX  days. Now being XXXX as a bad debt which is a complete lie. 
Its not my fault that they refused to speak to my lawyer who dealt with everything when I was unable. 
My list of injuries include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc etc etc etc.. I was in no position to deal with bills & Im still not.

I was unable to return to my career that accident ended my XXXX yr career. 
Ive disputed this information repeatedly and they just keep throwing it back onto my credit report, Ive included the check from XXXX XXXX and the gap information from XXXX that is supposed to cover the balance if the insurance didnt. Ive also included the email from my lawyer stating that he has tried to contact Westlake but they refused to talk to him. Everything is always ignored and the bad report is never changed. 
I went to XXXX XXXX  and wrote a review to find out that Westlake definitely has predatory loan behaviors and has consumers begging others to not get loans through Westlake.

Ive also filed a complaint with the XXXX, Westlakes response was that even with the gap the car wasnt paid off but thats what the gap was for to cover what the insurance doesnt. XXXX XXXX paid over {$11000.00} the car only had around {$15000.00} so the gap couldnt cover around XXXX XXXX Isnt that what its for? If there was a balance still owed they refused to speak to my lawyer who was in charge of the payouts from my settlement, how is that my fault?

Theyre claiming I still owe over {$1800.00}, which I dont.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX until XX/XX/XXXX, I had been making regular, timely payments above the monthly limit, to this credit card account, effectively paying off the credit card in XX/XX/XXXX. I even had a credit from the company for overpaying in XX/XX/XXXX. 
On or about XX/XX/XXXX, I received a letter from " XXXX XXXX '' stating my account was " past due '' and " because of [ my ] payment history, we have reduced your credit limit to {$500.00}. '' I had a late payment for the month of XXXX, apparently. However, the suggestion that my payment history was anything other than exemplary was false and inflammatory. 

Further, the letter did not come from the company with whom I had the credit card, but rather from an anonymous-looking, and frankly, fraudulent-looking " Cardmember Service ''. In no place in the letter did it identify the company I had the card with, and only provided the last four digits of the card. The address of this " Cardmember Service '' did not even match the address of the credit card company to whom I send payments, further raising my suspicion about the legitimacy of the letter. 

My previous credit limit was {$24000.00}. By reducing my credit limit by {$23000.00}, Elan Financial Services effectively lowered my credit score from XXXX, an " Excellent '' rating to XXXX, a " Average '' rating. This extreme reduction in my credit score eliminated my ability to qualify for a competitive mortgage refinancing interest rate, thereby costing me thousands of dollars by eliminating my ability to apply for mortgage refinancing. 

I called the company on XX/XX/XXXX to inquire as to the reason for the extreme reduction of credit, to express my frustration with their action, explain the detrimental effects of their action, and request a reinstatement of my credit limit. The representative suggested I speak with their " consumer recovery '' department. When I was transferred to this department, my call was routed then back to start over at customer service. Their only response was to suggest I reapply for a credit increase. Such an action would reflect a hard check on my credit report and further diminish my credit score, so I firmly declined this action. 
On XX/XX/XXXX, I called again after my account being fully paid off to request a return of my original credit line, and they again said I would need to reapply for a credit increase. 
Due to their misleading, unjust and personally damaging actions, I promptly closed the credit card and will never do business again with any credit company affiliated with Elan Financial Services.
Product: Debt collection

Got a collection from XXXX XXXX XXXX in the sum of {$2300.00} for a credit card issued by XXXX Bank, when I call the agency I was told it was for a credit card I opened in 2003 however never owned a credit card from this bank, I was told I also have a judgment against me and I was threatened with court action this is the first time I am even hearing about this debt after 14 years.
Product: Debt collection

Debt collection for an old credit card debt, portfolio recovery associates has been harassing me with phone calls. I explained to them over a year ago I was very sick and was not working. I told them not to call me. Every time they call me I tell them I have repeatedly told them to not call me. They start yelling at me so I usually yell first now, tell them I have told them not to call me and I hang up. Sometimes they call up to 3 times in one day. Most of the time I ignore unknown phone numbers because of this one company, but recently I missed an important call because I didnt answer. I just want this company to stop calling me daily and harassing me. They can communicate with me via US mail if they wish.
Product: Credit card or prepaid card

I went to Comenity Banks web site and redeemed XXXX points and I should have received two XXXX gift cards. I did this back on XX/XX/2022 and I have called several times to get an update on the cards. Today I was given a different XXXX to call and I called them and then they gave me another XXXX number to call and they could not help me. So then I made one more call to Comenity Bank and was placed on hold and then hug up on. I ordered these gift cards so that I could have them in time for the holidays. It shows on there web page that they have deducted XXXX points from my total but I have not received the gift cards as of today.
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem is actually very simple. We have two credit cards. a personal card with a credit limit of {$19000.00} and a business card with a limit of {$29000.00}. This gives a total credit limit of {$48000.00}. Each month our total balance for both cards is approximately {$10000.00}. Both Equifax and XXXX, according to XXXX XXXX, calculate the balance to limit ratio and If this number is over 30 % it is a " high impact '' factor for determining the credit score. This would be fine except that each month the " limit '' number used is shown as {$19000.00} instead of {$48000.00}. The " balance '' number used is always the sum of that of both cards, usually around {$10000.00}. $ XXXX {$19000.00} = 51.3 %, well over the 30 % guideline. The actual number should be, of course, $ XXXX {$48000.00} = 20.6 %, well under the guideline. It should be noted that we pay each card off completely every month so that in reality our " balance '' is XXXX. We haven't paid any interest charges in years. In any case I would simply ask that the proper number showing the sum of the limits of both cards be used in the calculation. The system for resolving disputes with these companies is very opaque and seems to allow only the most determined to make any progress. Thankyou for your kind attention in this important matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information thats on my credit report that is a result of identity theft. I did not provide written information or instructions for the identified transactions to be reported on my consumer report. I have never signed a contract with US Dept. of Education and they have failed to validate the debt. You have violated and compromised my private information according to the Gramm-Leach-Bliley Act. Please send me copies of the original contract with my signature. If you can not find any of the info above immediately remove this account from my credit report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. The identified transaction is not information related to any transaction by me as the consumer : US Dept. of Education and 2 addresses I have never associated with showing XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This transaction and addresses should be removed according to 15 U.S. Code 1681c-2. You are required to do what I am asking and block these transactions from being report to my consumer report within 4 days from the date of the receipt of this notice. I have attached the FTC report and proof of my identity. I look forward to your response. Thank you.
Product: Debt collection

On XX/XX/XXXX I was sued by XXXX XXXX for a defaulted credit card. The attorney that was suing me for {$1600.00} and XXXX dollars for court costs on behalf on XXXX XXXX was XXXX XXXX XXXX XXXX XXXX and that was the last I heard about it until XX/XX/XXXX when I received a letter of garnishment from the law firm Cooling & Winter informing me that they have gotten a judgement against my employer on XX/XX/XXXX and will be garnishing my paychecks.for XXXX principal and XXXX in post judgement interest, and XXXX in other fees. After frequently calling them trying ( and failing in both aspects ) to have the garnishment stopped and a payment arrangement agreed on I posted a complaint on the XXXX website ( XX/XX/XXXX ) where they finally respond " We appreciate the opportunity to respond to this review. Fair customer treatment is a high priority for our office and we prefer to resolve debts with consumers voluntarily, without using the garnishment process. However, in this case, no payments were made toward the debt in response to the lawsuit or judgment in XXXX, or at any time since then. We evaluate settlement offers and payment plans based on the particular facts and circumstances of each case and invite you to contact our office to discuss repayment options ''. ( XX/XX/XXXX ). 

After 28 days of multiple phone calls and emails sent to the person handling my file explaining my problem with 25 percent of my paychecks being seized I get a phone call from a XXXX XXXX who tells me that in XXXX Cooling and Winter tried to call me numerous times and in XXXX they sent me a letter to settle, but to have the guy actually in charge to decide if its okay to reduce the amount they are taking out of my checks I will need to submit 3 of my paycheck stubs.That very day I email 3 of my paychecks stubs to XXXX XXXX and wait. Wanting to know if a decision has been made I email XXXX XXXX XXXX on XX/XX/XXXX to find out on the XXXX of XXXX that XXXX didn't send my paycheck stubs to him. It has been six days since then and I haven't received a email or a phone call. 

It has been almost 2 months since I was invited to discuss repayment options. Every time Cooling and Winter takes the full 25 % of my paycheck I not able to afford my living expenses
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent a validation of debt letter to XXXX XXXX because I noticed an erroneous reporting from them. I received a response back from the company, that stated I owed the debt and that it was validated. I received a print out of charges and also a contract that I DID NOT fill out and my social security number is CLEARLY missing from this alleged application that I completed. 

In response to the companies erroneous report, I sent an additional letter On XX/XX/2019, letting them know that I have never heard of their company, done business with their company and advised them that I was certain that they did NOT own an athletic club. I asked them when did they started running an athletic club and ask them to provide me the dates and times or video footage of m XXXX working out. 

Furthermore, on this alleged contract, it DOES NOT state in any capacity that I agreed to pay any interest on any debt owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 and XX/XX/2021 I sent a dispute letter to Equifax to remove incorrect information that is in direct violation federal law. 
This is a collection account, that is reporting as " OPEN '' collection accounts should not report as an OPEN account. There is a past due account reporting which on a collection account it can not be past due, this should be at a XXXX balance, In XXXX of 2021 in the two-year history randomly a 120 day late was reported, which is impossible to do on a collection account. 
They have not investigated this, nor corrected it. its been over 4 months and by law this account should be removed.
Product: Debt collection

XXXX XXXX XXXX filed suit against me in my county without supplying validation that I requested on numerous occasions. I requested original signed contract, original signed agreement, chain of authority, proof of charged off chain of assignment. So far no evidence of any.
Product: Credit card or prepaid card

As you can see below, the autopay paid the minimum {$160.00} payment required to cover my 0 % balance. I paid {$45.00} to cover the new purchases that month ( totaling {$44.00} ). However, I was still charged interest from Citi.  They refunded the interest after I asked about it on the website chat, but this may be a systemic issue. 


Statement closed XX/XX/2018 Posted Total {$160.00} Date sort by descending Description sort by descending Amount sort by descending XX/XX/2018 MINIMUM INTEREST CHARGE {$0.00} XX/XX/2018 AUTOPAY ... AUTO-PMT {$160.00} XX/XX/2018 ONLINE PAYMENT, THANK YOU {$45.00} <various purchases, totaling $ XXXX End of activity Total activity Statement closed XX/XX/2018 {$160.00} {$160.00} Pending purchases {$0.00} {$0.00} Purchases {$44.00} {$44.00} Cash advances {$0.00} {$0.00} Payments/credits {$210.00} {$210.00} Fees/interest {$0.00} {$0.00}
Product: Vehicle loan or lease

Bank in XX/XX/XXXX, my auto loans from Honda Financial Services was reported as being late to XXXX, XXXX and XXXX. I have a very good payment history with Honda. However i don't recall ever missing a payment with Honda. Having this late payment on my reports, ( Honda plans to remove late payment in XXXX, that's a long time. ) is causing me to be denied for new credit. I believe this late payment is an error because i have never missed a payment before or after. When other lender see my profile this missed payment is sending the wrong message, which is not a reflection of my true credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and misused. I complained to the FTC. My complaint ID is XXXX. The account and inquiries listed below do not belong to me and must be removed immediately. 

Fraudulent Account : XXXX XXXX {$1700.00} Opened XX/XX/2017 Fraudulent Inquiries : XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I attempted to use on of my First National Bank of Omaha credit cards and the purchase was denied. I then checked the website and app and it said there were technical issues and to try again later. I called in and was transferred to department that said my account was currently under review and they would let me know when the review was complete. 

On XX/XX/XXXX I logged in to the website again to redeem my balance of rewards which were XXXX on card ending XXXX and XXXX on card ending XXXX. Again, it said there technical issues and to try again later. I was unable to redeem my rewards at this time because my account was still locked. 

On XX/XX/XXXX I called in to FNBO and asked for an update. I talked with XXXX in the high risk group and he told me that my accounts were still under review and that I would get a call when completed. 

On XX/XX/XXXX I called FNBO again and was able to get transferred over to the rewards group ( XXXX ). They informed me that FNBO closed my cards on XX/XX/XXXX and my rewards balance was forfeited as a result. I explained that I was trying to redeem my rewards prior to closure. They transferred me back to customer service. I asked customer service to please allow me to use my rewards and they told me the same thing. 

Its clear that FNBO used the locking of my account as a way to disallow me to redeem my rewards.
Product: Checking or savings account

Someone was attempting to make A transaction on my account for about a month ever single time it was attempted itwas denied due to suspicious activity after about XXXX month of it being denied the transaction was finally allowed i don't understand as to why i cant get my money
Product: Debt collection

I got nothing owed from XXXX company since I cancelled my account from them on 2012. 
Do not know how they got it I am just tired dealing with this collection agency. So, I reported these matter to stop! 

Thanks, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the continued presence of inaccurately reported late open accounts on my credit report, despite many attempts to have them corrected. As a consumer, I am deeply concerned about the accuracy and integrity of the information contained in my credit report. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies thoroughly investigate and promptly correct any inaccuracies brought to their attention. However, your agency has not fulfilled these legal obligations in handling my case. The ongoing presence of these late open accounts on my credit report has caused significant distress and financial harm. It has negatively impacted my credit score and hindered my ability to access credit and financial services.

I appreciate that you would help conducts an immediate and thorough review of my disputes and expedites the correction of the late open accounts on my credit report. Furthermore, I request written confirmation detailing the steps taken to address this matter and the resolution thereof. Please help me correct this account immediately : XXXX XXXX XXXX Balance : {$10000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Exsperian is reporting an acceptance know account was settled through a bankruptcy. Which is false
Product: Checking or savings account

Funds were taken away from my account without me realizing it. I was unaware that this was happening. Never gave anyone my information about my debit card. Havent used my debit card it was locked in. I called the bank to let them know my problem they told me well get back to you in 5-9 days, since the amount was of XXXX dollars. I told them okay now I am checking my email now that 9 days have passed to see that my claim was closed and no money was given back. They did no help me at all and do not want to give me back any amount when I clearly told them it was not me. I need help because its not affair that theyre not helping me. I need my money back were not in the time for me to lose this much money when it wasnt me.
Product: Debt collection

I received a call from a restricted telephone number with the caller identifying themselves as XXXX XXXX. He stated that he was calling about a pending claim with my name and would be showing up at my listed address if I failed to call XXXX with pending claim # XXXX. They did not state what the claim was about or who I was calling at the given number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an offer from XXXX offering XXXX XXXX with soft pull inquiry using data provided from credit bureau ( XXXX ). I agreed to the offer for soft pull inquiry and entered my personal information, including full social security number. Somewhere along the line a hard pull inquiry was submitted to XXXX without my consent. I was alerted the next day that there was a hard pull on my XXXX report. I immediately called XXXX XXXX rep who stated the offer may have began as soft pull but once I was approved they ran a hard inquiry on my credit. This hard inquiry was obtained without my consent. I only agreed to soft pull as I'm not interested in obtaining any unnecessary personal credit cards currently. The rep said the card was already sent in the mail and there was nothing XXXX XXXX ( processor of XXXX XXXX ) could do about it. I never activated the card because I didn't agree to a hard pull nor did I agree to open the account once I saw the unauthorized hard pull on my XXXX report. However, XXXX is reporting that I opened an account on XXXX ( which I immediately called to cancel due to fraud on their end ). The XXXX card still came in the mail and didn't show as closed in their system 2 weeks later on XX/XX/22. Please investigate the matter as this practice is very deceptive and being advertised as soft pull, only to lead customers blindly into a hard pull against their knowledge. This partnership with XXXX and XXXX XXXX XXXX card fraudulently obtains credit information with hard pull after advertising to consumer as soft pull. XXXX XXXX  exact wording in emails received states : " XXXX XXXX is a different kind of credit cardyou can see your credit limit and interest rate offer without impact to your credit score ''. I've attached proof of the advertisement that I received for regularly for months before deciding to accept. I've reached out to XXXX multiple times about reporting this inaccurate account and tried to dispute but they say I need to reach out to XXXX XXXX. XXXX XXXX states they will not change anything on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXX I have been sending out letters with the credit laws asking for verification for months with no response to the situation and XXXX will not remove the unverified items.This letter was sent on XXXX.
Product: Debt collection

Eagle Recovery Associates , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX I sent a cease and desist letter for no further contact about a debt owed on XX/XX/2019 via certified mail. The card was signed by an employee upon return to me to notify of it's receipt. Eagle Recovery Associates in turn did not provide me a letter after about proving debt to the address I had requested IF debt was valid. All credit reports state no debt is owed and no derogatory marks are listed. I had informed them in my letter that if they contact me again that I will file a complaint with the Federal Trade Commission and all calls will be screened. At XX/XX/2019 they had contacted me again. They were informed of recorded calls again ( via XXXX XXXX XXXX ) and disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following false accounts with the credit bureaus but have not received and response : 1. XXXX XXXX account XXXX 2. XXXX XXXX XXXX account XXXX 3. XXXX  XXXX account # XXXX 4. XXXX  XXXX account # XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.