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

On XXXX XXXX XXXX I was a victim of president declared disaster # XXXX which caused me to fall XXXX days behind on my car note with XXXX XXXX XXXX XXXX The loan was originally due on XX/XX/year>. I was able to pay the past due payment that I owed to XXXX on XX/XX/year>. The disaster releif efforts caused a personal and household hardship. 

The president declared the above mentioned disaster on XX/XX/year>, and my car was repossessed by XXXX on XX/XX/year>. I immediately redeemed my vehicle and became current on all payments. I currently caught up and have a credit on my account due to extra payments made. 

Unfortunately the comment was added to my account that states " repossessed redeemed " which is hurting my credit score. When I called to request the company 's policy as it relates to derogatory remarks or late payments being removed due to hardships caused by a federally declared disasters. 

I was told by the representative of Cinch that yes, they were currently assisting victims of another federally declared disaster in the State of Florida, but because I lived in XXXX Illinois, she did not believe I could qualify for assistance. I let her know that if that was true that is very discriminatory and against the law. 

I asked her where I could file a complaint. She sent me a form to request a deferment which i sent to Cinch to request that the XXXX XXXX remark be removed from my credit report due to the repossession being a direct cause of a declared disaster. I asked to be sent the policy as it relates to credit reporting as it relates to disasters but I was given discriminatory information.
Product: Debt collection

I have sent the collection agency on several occasions my Identity Theft Report, including police report, FTC Fraud Affidavit and my statement. I have also explained I was in federal prison the past 10 years while this account was opened in my name. They refuse to accept this and instead say that the FTC Fraud Affidavit doesn't contain the full account number. I DON'T KNOW IT!! The name of the creditor is right, the exact dollar amount. They just want to play games. They are in clear violation of the FDCPA and the Rosenthal Act in CA. They are trying to collect on a debt they know is ID Theft and is not mine. They are also trying to make me have to notarize additional documents that are NOT required under law.
Product: Checking or savings account

A bank account was opened under my name at TD Bank. So far I don't see anything else being opened as such and no funds are missing from my account. I was able to call TD Bank and get the account closed. It seems this was opened on XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my report from XXXX XXXX XXXX XXXX and from XXXX XXXX. I contacted XXXX XXXX XXXX @ XXXX and spoke with XXXX employee # XXXX and he was unable to find any applications for me, and he even checked the archives. I contacted XXXX XXXX and they are going to be sending something to have the inquiries removed, but they told me to contact creditor to see about getting them removed sooner. Here are the inquiries : XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX XXXX NA Inquiry : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX. Please remove all of these inquiries because they do not belong to me, and were not authorized by me.
Product: Money transfer, virtual currency, or money service

I'm a XXXX. Through PayPal I received my salary. This XX/XX/2021 I received an email from PayPal says that my account was permanently limited. My money was hold there amounting XXXX pesos. I have to wait 180 days for me to withdraw my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the inquiries referenced below and demanded verifiable proof bearing my electronic signature. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. These inquiries are not accurate since I never authorized them. The FCRA requires Credit bureaus to follow up and investigate those inquiries in question and remove. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act sec 604 as well as a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrence and remove immediately for non-compliance. Under the laws of the FCRA,XX/XX/XXXX is required by the FCRA to follow up with the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Global Lending Services ( GLS ) is reporting inaccurate information monthly to Credit Bureaus in order to purposefully have a negative impact on my credit record. This was originally an auto loan in which GLS is reporting as a Foreclosure to XXXX and XXXX. They also reported an address of XXXX XXXX XXXX XXXX, XXXX, TN XXXX, to which I have never resided, to XXXX. Auto was repossessed with no letter sent to provide details on how, when, where to redeem property prior to auction. GLS has also reported to XXXX a date of last activity of XX/XX/XXXX while XXXX shows XX/XX/XXXX.
Product: Debt collection

Today I looked at my on-line check stub for payday this coming Friday, XX/XX/XXXX, and was very surprised to see a garnishment attached. I contacted my HR and was told that there was a garnishment by court order. HR then referred me to XXXX XXXX, XXXX. They in turn gave me a Case Number and referred me to the law firm of COOLING AND WINTER. This firm was rude, difficult and, hung up on me. I then called back to XXXX XXXX. This time, they told me that the garnishment was in relation to credit card debt with XXXX XXXX XXXX. I have not had a credit card with XXXX since early XXXX or somewhere in that time frame. I was never notified of any pending court action and thus had no way to refute any claims that were made. At the time that I got credit cards with XXXX, I was a resident of XXXX. In XXXX, the Statute of Limitations on credit card debt is 6 years ( OCGA 9-3-24 ). I am now a resident of XXXX XXXX and have been since XXXX. In XXXX XXXX, the Statute of Limitations is 3 years ( Civil Procedure 1-52.1 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISCOVERED NUMEROUS ACCOUNTS REPORTING ON MY CREDIT THAT DO NOT BELONG TO ME. ADVISED THE BUREAUS AND CREDITORS.
Product: Money transfer, virtual currency, or money service

XXXX XXXX I wired {$20000.00} for insurance from wells fargo to XXXX XXXX XXXX XXXX XXXX and the wire was lost and after over a week of trying to locate the wire I recalled the wire, then the recipient bank said that it was in their bank from the expected date and although they said it was not there repeatedly it was they then said that the account holder refused the withdrawal for the recalled wire. The transaction was a scam and when wells fargo investigated the wire I was refunded the fees associated with the wire and not the {$20000.00} I wired.
Product: Mortgage

I am asking for a few minutes of your attention. Please. I am coming to you as my last hope of being heard. I am frustrated. I have looked for help in different places : HUD, FHA, CA-HOPE to name a few of those places, as soon as I started telling them that I needed help with my mortgage lender, who ended up selling the property at an auction sale. I can no longer continue when they tell me that everything is already lost. In pain I have already learned to live, in frustration I am afraid to live. 

It's not fair this, impotence, with sadness that I feel seems not to move anyone.. More empathy for each other. Please, all of us, in one way or another, share the same pain that covid left us. XXXX  took my father away from me, a little earlier I had lost my younger sister, the mourning process led me to a deep XXXX that prevented me from working and unfortunately I missed payments on my mortgage. in my vulnerability and ignorance it did not allow me to avoid being scammed by fake people promising to help me with the loan modification that I did not have to talk to the bank. They took money from me and made me waste my time. The bank started the foreclosure process with a sale date on XX/XX/2022 a few days before. I contacted the XXXX XXXXXXXX XXXX. They told me that they would stop the sale so that the bank would give me the opportunity to reach a settlement. 

I do not intend to get rid of my payments. I want the property returned to me. I am working. I can show that I can continue with the payments. I also applied for Mortgage Relief. It is pending. I need legal help as soon as possible to see everything from the sale of the property and review the loan contract. I feel that something is wrong with the contract because they started the loan with a 9.99 % interest rate for just one year. They raised the interest rate to 20.87 %, the rate they never mentioned to me when signing the contract. Today I only heard it say that I had already lost the property. I need help, please, somehow recover the property. I can show that I will not have problems with future payments, but the bank did not listen to me... Please help me with information, with a lawyer with something to help me. Do not ignore me. I beg you to help me. It is a plea for help. 




If someone speaks XXXX it would be better but if not, it's fine I can understand everything, because of my accent it's difficult for me. Thank you again.
Product: Credit card or prepaid card

If there is EVER a class action lawsuit against Sychrony Bank, I will be first in line! Today I received notice that they closed an account of mine, which is now the FOURTH TIME, theyve done this which affects my credit score! This time it was my Care Credit card. The last three were XXXX XXXX, Sams Club and XXXX. They always put this in the letters : Too Many Revolving Accounts With High Balance Compared To Credit Limit Lack Of Real Estate Secured Loan Information Too Many Bankcards With High Balance Compared To Credit Limit Delinquent Or Derogatory Accounts The problem I have with this is that I DO NOT have delinquent or derogatory accounts, and NONE of this was a problem when I opened the cards! Our home is in my husbands name and the cards that they closed ALL HAD XXXX BALANCES when they closed them! Our bankruptcy was in XXXX  and every single card I opened was AFTER that so what has changed? I do not have negative payment history because I have been crazy vigilant about my payments and credit. Yet when they close these accounts, it does affect my debt to income ratio and the way credit scores are calculated, this is harmful. So even though I dont owe anything on these cards, its different if theyre closed vs just dormant! There has GOT to be something that can be done about the way they do business.
Product: Credit card or prepaid card

In XX/XX/2018, I went to a XXXX 's store in Downtown XXXX XXXX and made a purchase with my XXXX XXXX XXXX credit card. The sales associate asked me if I wanted to upgrade my XXXX   card to a XXXX XXXX XXXX XXXX credit card. I asked her if the upgrade would result in having one or two credit card accounts with XXXX XXXX and she told me that the XXXX credit card would merge into the XXXX XXXX resulting in only one account. I agreed to the upgrade under the belief that I would have only one XXXX 's account. Several days later, I received a letter from XXXX 's informing me that my application was denied because I was attempting to open a second store credit card account ; this was confusing to me because I was told that I was not opening a second account. A few days later, I received the XXXX XXXX XXXX XXXX card in the mail. I called XXXX 's and asked if both accounts would merge into the XXXX XXXX XXXX XXXX like the sales associate told me. The customer representative told me that they were no longer doing upgrades that resulted in only one account and that I now would have two accounts. Additionally, XXXX XXXX own website states that an upgrade to an XXXX XXXX account results only in one account : XXXX   : XXXX % XXXX. I told them that I was misled to believe I would only have one account, and that if I would have known I was opening two accounts, I would not have upgraded to a XXXX XXXX XXXX XXXX. I did not agree to two accounts. Now, I am concerned that if I close one of the accounts, my credit score will be adversely affected, as that's usually the result of closing a credit card account. I also submitted a complaint via the XXXX XXXX customer service website, and never received a response. I just got off the phone ( second call to XXXX XXXX customer service ) and filed yet another complaint. Thank you for your help.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates ( insert date. Always add month and year ). I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Money transfer, virtual currency, or money service

I was contacted to purchase goods that I was selling on XXXX. XXXX contacted me via email that he was interested & then sent a text from XXXX. He then contacted me from the number listed above telling me that he was sending a check for {$3000.00} to purchase the goods I was selling & pay to ship. I informed him when the check arrived & he asked me to deposit & wire the remainder of the money to the movers. I deposited into my Savings account & transferred what I charged for the goods, {$250.00}, & the rest needed to send the movers into my Checking account. I sent 3 Zelle transactions totaling {$2500.00}. The first transaction on XX/XX/2022 to XXXX XXXX for {$1000.00} & a 2nd transaction to XXXX XXXX of {$1000.00} on XX/XX/2022. After the final wire on XX/XX/2022 to an XXXX XXXX, I checked my Savings account & it was negative for {$3000.00}. I contacted XXXX & asked him about his bank, & he said there must be some mistake. I followed up with him after I left work that evening & his phone was disconnected.
Product: Debt collection

A judgment was entered against me in the XXXX XXXX Court on XX/XX/2022 by XXXX XXXX XXXX on behalf of Bank of America for {$27000.00}. The issue is that On XX/XX/2022 I entered into a payment agreement with XXXX XXXX XXXX to make 24 monthly payments of {$820.00} on a settlement balance of {$19000.00}. I made the first installment payment of the agreement on that same day, XX/XX/2022. I had previously paid one payment of {$500.00} and have made a subsequent monthly installment payment of {$820.00} on XX/XX/2022 due on the XXXX of each month. 

I am concerned that XXXX XXXX XXXX will attempt to collect more than the {$19000.00} in the full settlement document ( included ) after I have paid off the amount agreed.
Product: Credit card

Caller from XXXX has called XXXX times in the last XXXX minutes. She said she is from Consumer fraud and someone applied for a Sam 's Credit Card in XXXX in my name. I don't live in XXXX She wanted information from me to fix it and asked if I wanted to decline the card. I hung up each time. She continues to call for my own good.
Product: Debt collection

Moneylion is violating my federally protected consumer rights and unfairly impacting my credit for an account I never opened. The phone number and bank account attached to that account do not belong to me. I have disputed this account numerous times to no avail. Please see the attached Affidavit of Truth and invoice. I am invoking remedy pursuant to 15 USC 1692. Moneylion is liable for {$1000.00} per violation in addition to fees relating damages sustained to my personal reputation. I have submitted a police report to XXXX  documenting the theft of my identity documents and I was apart of the XXXX data breach. Moneylion has made no reasonable effort to actually investigate whether this account is mine or belongs to someone else. They only assume that it is mine because its listed under my name and address. Whoever signed for this account was not required to provide an actual signature, only a TYPED digital signature for which they can't even provide a digital certificate proving that it came from a computer belonging to me! The person who signed for this account was obviously not required to provide any identifying documentation ; no picture of my license or ss card and MoneyLion allowed them to open an account in my name. The ESIGN act states that there must be evidence of the signers intent to execute or accept the agreement & a record of the electronic signature must be created at the time of execution and must show the process by which the document was accepted by the signer. Moneylion is required to have the appropriate authentications and certification to prove that I signed an e- agreement with them which they do not have. They've provided a document with a typed signature which they could have created themselves. ANYONE can type a name on a computer, this is not verification of an account belonging to me. 

Because I have stated that this account is related to identity theft under 15 USC 1681c-2 it was to be immediately blocked from any consumer file but it remains. This is my final time requesting that this information be removed from my credit report before pursuing further legal avenues. This is not the first time that Moneylion has been accuse of fraudulent and deceptive practices ; see the class action lawsuit DiCarlo V MoneyLion as well as the growing number of XXXX XXXX XXXX Complaints against this company.
Product: Credit card

I purchased items from Kohls in XXXX 2023- some that I returned. There was a {$10.00} birthday voucher ( not Kohls Cash ) that I used on the transaction. I was billed back the {$10.00} after I paid my bill in full. 
I got mad after years of Kohls and the Kohls Cash scams and didn't deal with it as promptly as I should have ( and it was only {$10.00} ), my brother was XXXX XXXXXXXX, and I work XXXX hour weeks. This was a low priority. 
The {$10.00} Birthday Voucher accrued {$2.00} additional in interest- all of which I then paid. I do not have access to any of the details as I was mad and disgusted after being a 20+ year customer - so I shut down my account. ( And I was in an emotional state. ) This TANKED my excellent credit score. My credit score shows no signs of improvement after 6 months. HELP!
Product: Credit reporting or other personal consumer reports

I woke up to an alarming discoveryan unauthorized inquiry on my credit report that I did not approve. I always monitor my credit report, yet this time, something was clearly wrong. Hoping it was a simple error, I refreshed my browser, but the issue persisted. I am beyond frustrated with this situation, and I insist that my submitted documents be carefully reviewed to resolve this once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and called the service provider to help me audit the charges for a 6 mile  ambulance trip, but have been ignored. As an inactive XXXX I encountered billing errors over 50 % of the time ; however, this company, instead of cooperating, they send me to the credit beaureau and lower my score when I'm in the middle of a house purchase. I have found in the High Desert ; whether is a service provider or retailer, especially in the medical field, that they are ruthless, uncaring and corrupt. In fact ; the XXXX XXXX XXXX is investigating it. Since ; It took us over a year and a half to find a competent doctor! We are XXXX senior citizens. It is alarming how many service providers, including doctors and so called nurse practitioners and especially landlords they victimize the XXXX seniors and the poor. In other words ; they practice here becaseu they know that they can victimize the defensless poor and the XXXX. There are quite few XXXX poor people in this county and have no qualms in the abusers victimizing us. Therefore ; I'm trying to address so many issues of corruptions. Even the hospital here ; one of the feedback reads : " I'd rather drive 40 miles to a XXXX XXXX than go here to XXXX XXXX XXXX! ''
Product: Checking or savings account

I am missing my paycheck due to the ach error that is happening. Wellsfargo and XXXX have not sent out any correspondence or given their employees any guidance as how to handle questions about this. The customer service representative didnt even know whats going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1666B Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
15 USC 1681 Section 602 : States that I have a right to privacy.

15 USC 1681 Section 604 A section 2 : A consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

This company, now acting as Pioneer Credit Recovery , Inc, but still the same Navient we have REPEATEDLY filed complaints against just called AGAIN this morning looking for someone who DOES NOT LIVE HERE to collect some debt. We do NOT owe these criminals anything. We have told them REPEATEDLY to stop calling. We have filed complaints with the XXXX and AG 's office, and were told the calls would stop, yet they continue. I don't know what the heck it's going to take for this company to finally, ONCE AND FOR ALL, be put OUT of ours and the rest of the public 's misery. They are CRIMINALS. They are a FRAUD and a SCAM. They serve ZERO legitimate purpose other than to annoy and harass people. DO SOMETHING ABOUT IT!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this dispute because XXXX XXXX  reported I missed XX/XX/2022 payment when in fact I made the payment on XX/XX/2022 and funds were available. XXXXXXXX XXXX XXXX advised me that my personal checking account was frozen when the payment tried to post. I advised them that I wasn't aware of any freeze regarding my account and that I deposited funds for this payment that was available. XXXX customer service advised me to contact a local Branch Manager to provide a letter stating this bank error. I scheduled a meeting on XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX in XXXXXXXX XXXX XXXX XXXX  XX/XX/2022 with XXXX XXXX. I explained to XXXX XXXX what customer service stated I need to correct the mortgage payment reporting for XXXX. XXXX XXXX ( Branch Mgr ) provided XXXX XXXX XXXX XXXX Customer Service Rep ) the attached email stating this was a bank error and my account status at the time of posting. This delinquent reporting should be removed immediately.
Product: Credit card

I wanted to do a balance transfer from my XXXX credit card to FNBO credit card, I called the customer service to do it, first of all there was a lot of wait, when I was able to speak to the customer service agent, the customer service agent told me that its better I do it online, because if Iwant to do it on the phone then he would have to transfer me again, and I didnt want to wait for XXXX more minutes, so I went online, but I didnt see any option of balance transfer on the FNBO website.