23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have an account and store card with QVC and placed XXXX orders with QVC on XX/XX/2017. The order numbers are XXXX and XXXX. I logged in to the website on XX/XX/17 to track my shipment and was unable to log in, so I contacted customer service who said they would research the issue. I found out today XX/XX/17, that my account was cancelled by their corporate office because someone who used to live at my address has a past due balance with their company. The person they are referring to is not me or my spouse and does not live at my current residence, but they are refusing to allow me to use my store credit card or make any purchases with their company until this other person pays their bill. I tried to work with them and advise them that I am not legally responsible for this person but they told me that it did not matter and they would not help me. The service supervisor that I spoke to was extremely rude and did not seem to mind that it was illegal to hold me responsible for someone elses debt and refused to reopen my account so that I can use my existing credit line. I still have the open credit line with them and I am not sure what to do as they will not allow me to use it or any other method of payment.
Product: Student loan

Loans and interest was to high didn't understand the terms and conditions of the loan can't repay the debt
Product: Debt collection

I am reporting the company Cedars Business Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. 

They keep contacting me for the last two years, trying to collect a parking ticket that occurred in XXXX on XX/XX/2015. I paid the ticket on XX/XX/2015, using a wire transfer. The ticket was for XXXX euros. I sent the documentation that the debt has been paid. 

They engage in deceptive practices, adding " late payment fees '', inflating the debt from XXXX euros to {$150.00}, and then with their fees to a total of {$300.00} dollars. Of course, given that the ticket was paid within 4 days, there were no late fees. 

They ignore the documentation that the debt was paid, and try to collect, threatening to report the debt to credit bureaus, hoping that the customer would be willing to pay a ransom to these scammers, to avoid any issues with the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was sent an email from XXXX saying that I was denied because I had a criminal record. 
I was told to call Transunion, so I did. When I did - the gentleman that I spoke to said they wouldnt give that information out.
Product: Checking or savings account

I just want access to my funds. XXXX  XXXX  locked down all withdrawals, XXXX, ATM, everything and many consumers can not access their funds. This took place this past XXXX. The XXXX and still no resolution.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX i ask to remove late payment 30 days in accordance with the law, my rights have been violated. Late payment reports to your consumer reports is illegal. In 15 U.S. code1681a : Definition and rules of construction ( 2 ) Exclusion. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as a transaction or experiences between the consumer and the XXXX making the report ; transaction are not included in the report and request is to remove late payment from the account
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 16 accounts on my credit report that do not belong to me I have tried disputing this with the bureaus since XX/XX/2020 and nothing has been done I need help Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX  CARD Account Number : XXXX Account Name : XXXX  CARD Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX. 
Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Mortgage

I received a letter from Chase mortgage on XXXX/XXXX/15 dated XXXX/XXXX/15 stating that my XX/XX/XXXX mortgage payment was past due on account # XXXX. I called to inquiry why and how is my payment past due when I made the payment online on XXXX/XXXX/15 from my Chase checking account to my Chase mortgage account. The fund was immediately debited from my checking account on XXXX/XXXX/15. When I called the bank they told me my account was in lost mitigation. I have not miss a mortgage payment in years. I make my payment the same way online however it seems they have being crediting my account when they feel like it. I was told by a rep. that my account was up to date and she does n't know why i am not able to make my payment directly from my mortgage account. She told me it was an internet banking issue so i was transferred about four or five time on XXXX/XXXX/15 about XXXX or so. I was eventually told by the internet rep. some one would get bank to me. On XXXX/XXXX/15 at XXXX I received a call from an internet rep who told me my mortgage was with lost mitigation and that 's why I could not make my payment from the mortgage account site. He referred me bank to the mortgage department. I can and requested a supervisor or manager and I was transfer to lost mitigation where the rep asked me to verify myself which I did. However, the process got ridiculous with her asking for my middle initial. She told she could speak to me any longer if I did n't give my middle initial so I asked her to give me some who will. She transferred me to a customer abuse recording which ultimately hung up the phone. i received no help and I think they are trying to commit mortgage fraud by putting me in default when my payment are make on time. I assist in this matter. They have done this to me in the past which result in late payments my credit report in XXXX and XX/XX/XXXX which has affect my ability to get credit even today. This is very disturbing and upsetting and I am afraid they will try to take my house. This is bring great stress to my life, when I am making my payments on time.
Product: Credit reporting or other personal consumer reports

I have credit inquiries on my credit report that i don't recognize. Its hurting my ability to obtain credit. 
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
Product: Debt collection

I am an XXXX age XXXX woman living on Social Security Benefits, with no assets not even a savings account. My daughter has to help me pay some of living-medical needs solely. I have attempted to several times to payoff my high credit card debts with Bank of America. I was successful with making XXXX settlement agreements with XXXX out of the XXXX Bank of America cards. These Bank of America cards I have had over 10 to 15 years and paying interest rates well over 21-29 %, the balance never seem to be going down and because of my fix income I can not afford the payments. I was successful with help from a company with securing a settlement agreement that was accepted by Bank of America, which I have made 2 successful payments towards settling the balance. Please see ( Attachments below ) Due to the fact that I was making schedule payments to settled these Bank of America Accounts, I was assured that once a larger portion of these settlements with the XXXX BofA cards was within good standings, I was offered a settlement arrangement for the last BofA Card. This is where the deception from Bank of America started. Bank of America sent their law firm XXXX XXXX XXXX, XXXX. to threaten with a legal summons and even scared my family member who received the summons that they were going to take my house and seize all my assets. 
I did not believe it, why would Bank of America and XXXX XXXX XXXX, XXXX. say that, the shock cause me to seek medical attention immediately. Why would Bank of America and XXXX XXXX XXXX, XXXX. take threaten me with a summons on a credit card which they have already made settlement agreements on which was agreed on both sides. I am on a fixed income Social Security Benefits with no assets, XXXX, why would Bank of America and XXXX XXXX XXXX, XXXX. make these threats? I feel that it is because of my Age, I have read about companies taking advantage of the XXXX because we age getting older so taking advantage of XXXX and violate our rights. I really feel for all the XXXX and I pray for us, some of us were thought that we should pay what we owe and I have been using the little social security checks to paid off my high rate credit cards and even with me make settlement payments towards the Bank of America cards that they accepted. Bank of America and XXXX XXXX XXXX, XXXX. is still trying to use unfair deceptive and misleading practice, which violates the FDCPA. I pray for my XXXX, I pray for this county. Please see ( Attachments below )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have looked at my report and I have never rented a car in my life.Please delete this off my credit report thank you.
Product: Prepaid card

I have tried during several occasions the past few months to make a purchase with this card or add the card to paypal including recently on XX/XX/2023 for a {$93.00} purchase and today XX/XX/2023 I attempted to add it to my paypal to be used for a purchase but it is declined by the bank for an unknown reason.
Product: Debt collection

I received a notification from XXXX that a collection was placed on my credit report. I have never had an account with the company that the collection is for. I requested a copy of my contract with my signature or anything that says this is my account yet nothing was received. I disputed this with XXXX but it remains on my credit. This is not my debt. The collection agency says the debt was for {$110.00} yet they are requesting I pay over {$1200.00}.
Product: Checking or savings account

Please close my account. I have had nothing but problems with fees on my account and just want it closed at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple times since last year I have been dealing with the three major credit bureaus that deal with reporting credit reports and scores. Since then, I have been filing a dispute due to multiple fraudulent activities were taken against me because I was a victim of identity theft, and my personal information was compromised. During that time, identity thief ( s ) used my information to obtain benefits and services from the listed creditors in this attachment that have been impacting my credit score negatively. The credit bureaus have not been doing anything regarding this issue and only stalling my request. I sent official documents from the Federal Trade Commission and everything they requested. Yet, the credit bureaus kept stalling and denying the fact that they have my documents. The incompetency of their work is affecting my and every other consumer 's financial credibility which they are ought to protect and report accurate information at all times. The listed accounts do NOT belong to me and it is the work of an identity thief.
Product: Mortgage

Hi, I have recently been trying to close on a house with a company by the name of Nationwide  Mortgage Bankers , Inc. since XXXX. I recently was sent a denial letter last week. I have asked for my money back for the FHA appraisal I paid for. To my knowledge per FHA guidelines, I am supposed to received my money back. They have not been cooperative about this situation. I feel like I was just dragged around and cheated out of a deal. They asked my employer for employment verification at least 3 different times. They have also changed my loan type from FHA to Conventional twice. I've had to pay for the conversion and also I have received 4 different closing disclosures. My closing cost increased every  time a closing disclosure came out. They could never give me a valid answer in why this happened and where they got their numbers from. They have aggravated me and the seller of the house. They would never give straight answers when asking about a definite closing date. It was always one excuse after another. I feel like they knew the entire time they would not be able to qualify me for the house, but just had me spend all this money for no reason. I feel extremely shafted and disappointed.
Product: Mortgage

I had a home mortgage with Citadel Servicing corporation and I refinanced by using another mortgage company last XXXX. The new mortgage company has paid off the debt on XX/XX/XXXX. But Citadel deducted the monthly payment {$2600.00} from my bank account on XX/XX/XXXX. That means Citadel changed another month after the loan was paid off. The refund check of the escrow account didn't reflect the amount of the deduction. I called Citadel several times, they insisted the refund amount was right. 

However, I received an email from Citadel on XX/XX/XXXX. It said " During a recent audit it was determined that some additional funds from the Escrow account were still owed to you and we want to confirm an appropriate mailing address to send these funds. '' They asked me to call their office to confirm my current address. I called and provided the address and contact information. However, I still didn't receive the check. I called back several times, they just said it is on the way and it's delayed. Four months have passed. There is still no check.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$9100.00}, {$9700.00}, {$1800.00}, {$1800.00}, {$6100.00}, {$5100.00}, {$22000.00}, {$53000.00}, {$35000.00}, {$7400.00}, {$7800.00}, {$38000.00}, {$41000.00}, {$21000.00}, {$33000.00}, {$38000.00}, {$19000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$11000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$9100.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$9700.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$1800.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$1800.00} -This is not my account. 

6. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a credit Balance of {$6100.00} -This is not my account. 

7. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a credit Balance of {$5100.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$22000.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$53000.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$35000.00} -This is not my account. 

11. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$7400.00} -This is not my account. 

12. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$7800.00} -This is not my account. 

13. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$38000.00} -This is not my account. 

14. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$41000.00} -This is not my account. 

15. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$21000.00} -This is not my account. 

16. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$33000.00} -This is not my account. 

17. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$38000.00} -This is not my account. 

18. XXXX XXXX, XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a credit Balance of {$19000.00} -This is not my account.
Product: Debt collection

Forster & Garbus filed a lawsuit against me at an address I haven't lived at in 4 years. I called the court and let the courts know, and they put a note in my account and also requested that all dates be virtual going forward and they told me to call Forster & Garbus to find out what the lawsuit charges are for. I then called Forster & Garbus to let them know that I do not live in NY state. I also knew nothing about the charges so I asked them what the charges are for. They read off a creditor name that I did not recognize and asked me to pay somewhere upwards of {$3000.00} for the charges ( despite me never seeing a breakdown of these charges ). I informed them that I live across the country, and have for XXXX years. I then asked for the dates of these charges, and the date of delinquency/last payment. They said the date of delinquency was in 2015, which would be past the NY State statute of limitations, which is 3 years. They also never provided the documentation to prove the debt. When I brought this up, the person I spoke to, got agitated when I brought this up, and said they were not a lawyer. I then asked to speak to the lawyer, as I'm a pro se self represented litigant. She said " he's not here right now ''. I mentioned the statute of limitations again, and they tried to strong arm me and give me an ultimatum to pay them, or " just go to the courts then '' knowing I live across the country ( in a completely different zip code ) and I would spend more money on plane tickets and transportation to even get there and back. I also have a XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and can not just fly whenever I feel like it. I have to speak to my doctor who will then tell me if it is safe to fly. I can provide my hospitalization records to show that, if needed.
Product: Vehicle loan or lease

I paid off the truck loan on my deceased brother and provided them with a relinquish of right from my siblings as I am the trustee alone and they still wont relinquish the truck. I dont need the title per the department of motor vehicles just the letter. I paid the loan off on XX/XX/XXXX. The company is Navy Federal Credit Union XXXX XXXX name is XXXX XXXX XXXX. I have contacted them numerous times and they say they need more from my siblings nut the probate court said I dont have to.
Product: Debt collection

I received a letter from Phoenix Financial stating they were trying to collect a debt I owed to " XXXX XXXX XXXX '' from XX/XX/2016. There is no such organization. I have paid my bills and do not owe medical providers, and if I was billed for something 5 years ago, I would have paid it back then. 
This company calls often, and we blocked their phone number, but they change the number they call from. Their letter also names a group " XXXX XXXX XXXX XXXX XXXX. '' A quick search of the Internet shows this group to be disreputable, with numerous complaints lodged against them with the XXXX 
I do not owe this debt and encourage you to stop companies like this from preying on consumers. Thank you.
Product: Checking or savings account

XX/XX/2022 - {$300.00} Someone STOLE my card and got themselves {$300.00} of XXXX XXXX. Called Wells Fargo and made a claim, they responded through mail saying I authorized it through my PIN. In this day and age, spying, thieving, and other XXXX XXXX is easy, its disgusting. Why do they not ask for ID when someone spend over {$100.00} or {$200.00} AT LEAST? 
I already dont have much, this is disappointing. Never again Wells Fargo and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion and XXXX as well as XXXX/XXXX several times for incorrectly reporting a payment was late in XXXX 2017. I have never made a late payment. I disputed it with the the two credit reporting agencies and they still are reporting that I was late in XXXX 2017. The company XXXX/XXXX, claims they have sent Transunion and XXXX  information to remove the late payment reporting for XXXX 2017 but yet it remains. Not only did the company indicate they would not be reporting payments for XX/XX/XXXX as this was the time that we here in Florida were impacted by the hurricane but I have never been late and this is immensely affecting my perfect paying credit history.
Product: Checking or savings account

I was charged overdraft fees when I opted to not have them.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/2023, XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXXXXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXXXXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023 XXXX XXXX Date of Inquiry XX/XX/2023
Product: Money transfer, virtual currency, or money service

I spoke with a professor from an email I received thinking it was for some remote student job. I was told to deposit a check that eventually bounced and send money to this individual for payment to receive some office supplies. I received checks in a total of {$3000.00} which bounced, and I sent {$1000.00} to an individual on XXXX on XX/XX/2024. I already attempted to dispute the transaction with my bank, and they told me that they would be unable to return me the money.
Product: Debt collection

A company named 'everest receievables ' contacted me by phone and by mail to collect a debt for exercise nation, which is a gym that i never had a membership with. Everest claims i owe XXXX dollars. This is a false debt. I am in the process of mailing them a written letter stating such and to cease contact with me.
Product: Credit reporting or other personal consumer reports

Good day, ' EXPERIAN has failed to keep accurate records. They have been told to remove any items that fall under the guidelines of the FCRA ( XXXX ). These are items that should be removed due to being inaccurate, unfounded, out of date, false and/or erroneous. 

ACCOUNTS that have been continuously disputed for over 3 years. SEE ATTACHMENT for XXXX screenshot.