23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX purchases old charge offs from financial services and then sues the individual for garnishment for the entire amount. In this complaint, I've attempted to negotiate. Instead they withdrew money from a joint savings account for the full amount. 

The funds were originally from the XXXX XXXX XXXX as my wife is a XXXX XXXX The funds were to be used for us to catch up with our mortgage as I am trying to find work. I've attended every court appearance for garnishing wages. I did not know that they went ahead through the court system to extract funds from our joint savings account.and was surprised by our bank that this transaction occurred. 

I was unaware that they use the XXXX of Virginia court system to garnish old debt as this debt was purchased from another debt collector. As this is a charge off from XXXX XXXX XXXXXXXX and off their books, I do question why they tend to use the name of the former institution as plaintiff instead of using the firm 's name as they acquired this debt. It seems disingenuous.
Product: Checking or savings account

I was a victim of a scam so chase closed the account opened a new one but the branch manager blocked both accounts my direct deposit was sent to the scam account he lied and said my direct deposit would be forced to go in the new account then he said my employer has to force my direct deposit now its been three days I have not received my direct deposit he blocked both accounts now no direct deposit cant even be issued for the new account he is a liar I have my pay stub that shows my direct deposit did try to go thru but chase did something to my mo he and I want my payroll check I have bills to pay and I just worked for free and they refuse to investigate why I have not received my payroll check indicating there is nothing they can do
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a dispute letter to Equifax and XXXX on XX/XX/2021, now it's XX/XX/XXXX and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Product: Debt collection

This is reporting on my XXXX Credence resource Account status collection Date opened XX/XX/XXXX  Past due {$320.00} I have reached out to the company to inform them that this transaction was a fraudulent transaction and I would like them to investigate and send me any forms with my signature on it. 

This is reporting on my XXXX account Credence resource Account status collection Date opened XX/XX/XXXX  Past due XXXX This is the same charge that I reported for fraud. 
Also under the ( Fair credit reporting Act 15 U.S.C. 1681 and follow ) creditors or collectors are not allowed to report inaccurate information to your credit reports. I would like these accounts removed and deleted from my credit reports immediately or I will be pursuing actions under this law. 

THIS IS AN INQUIRY THAT I DID NOT APPLY FOR. 
XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX XXXX morning I noticed 50 fraudulent transactions in my Bank of America checking account. All transactions were fraudulent and made by XXXX. I visited BOAA XXXX branch and spoke to concerned department over phone with the help of an officer. They assured me that my account was protected and they would refund my money. On the same day evening I found more fraudulent transaction in my same account. I called the bank and they said they have locked my account and they will look into the matter. Next morning I found more fraudulent transactions. I called the bank again and they said they will take care of everything. In the meantime all my money were transferred to fraud account.
Product: Credit reporting

I have disputed several times the following items which are PAST THE STATUTE OF LIMITATIONS AND THE CREDIT REPORTING AGENCIES ARE LISTING INACCURATE DATA WHICH VIOLATES MY RIGHTS ON THE FOLLOWING XXXX XXXX XXXX XXXX XXXX original DLA is PAST THE STATUTE OF LIMITATIONS XXXX XXXX # XXXX {$46000.00} XXXX XXXX XXXX # XXXX Original DLA is PAST THE STATUTE OF LIMITATIONS XXXX XXXX $ XXXX DUPLICATION AND PAST THE STATUTE OF LIMITATIONS XXXX XXXX # XXXX XXXX PAST DUE $ XXXX DUPLICATE AND PAST THE STATUTE OF LIMITATIONS XXXX XXXX XXXX # XXXX NO SUCH DEBT OWED REMOVE AS REQUESTED SEVERAL TIMES XXXX XXXX ORIGINAL DLA IS PAST THE STATUTE AND YOUR COMPANY HAS SAME ACCOUNT LISTED TWICE WHICH IS A DUPLICATION REMOVE AS REQUESTED SEVERAL TIMES
Product: Debt collection

I honestly don't know how to categorize my issue. I received a letter back in XX/XX/2019 from Fair Collections and Out saying I owe {$2800.00}. I called them on XX/XX/2019 saying I didn't owe the balance and that I had proof that I moved out the date I moved out and that I received a utility bill for the same time that the company is trying to collect from me. The lady I think her name was XXXX ( I'm not fully sure ) told me that I could dispute and submit to her my proof and that they will reach out to the company. She also stated that the on XX/XX/2019 the collection will be added to my credit report. I called back in XX/XX/2019 to check the status of the dispute. She told me the company haven't replied yet and that she will contact me once the counter suit was submitted. I call back again the first week of XX/XX/2019 to check the status again. I told the lady that is was days before this collection is suppose to be reported to my credit and I still haven't received anything as proof showing I owe anything. The lady told me that the company didn't have to prove anything to me with a nasty attitude. When she said that I told her that because they cant prove to me that i'm responsible for the debt the debt didn't belong to me. I still haven't received anything and about this debt other then the bill from the debt collector and the collection is now on my credit.
Product: Debt collection

I was contacted by Jefferson Capital Systems. They informed me that i had a debt in collections from XXXX. I only have one XXXX account and it is in good standing with the company. ( i called XXXX to confirm ) Jefferson Capital Systems offered me a 30 % discount to pay my balance off. They frequently call and have sent a certified letter in the mail. XXXX has confirmed that I do only have one account with my social security number and noted on my account that there was a phishing attempt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information being reported on my credit file- showing old late payments-
Product: Debt collection

My ex-girlfriend got a credit card in my name and maxed it out and now the creditor seized my bank account and took {$400.00} out of my bank account from a card that I did not authorize her to get so I consider that a fraudulent case and it is making a big impact on my credit score. I filed charges on this woman it was years ago and they just now seized up my bank account about a year ago and took {$400.00} when the debt was only for XXXX something I would really like this to be taken care of it's for it was for XXXX XXXX but now it's for portfolio something.
Product: Debt collection

XX/XX/2022 I ordered XXXX XXXX XXXX internet installation service at my service address. 
XX/XX/202XXXX XXXX XXXX XXXX promised installation but their installation crew never showed up XX/XX/20XXXX XXXX XXXX XXXX  customer service informed their crew will be available XX/XX/2022. 
I immediately canceled service - service cancellation confirmation number XXXX was generated by XXXX XXXX XXXX for an account that gets activated XXXX XXXX. They added notes to this confirmation number since the account was being cancelled without getting activated ( please note : XX/XX/XXXX to XX/XX/XXXX the account was not active ) Account cancellation related survey requested by XXXX XXXX XXXX on XX/XX/2022. 
Equipment was returned unused. 

Since no crew showed up to install the service, the service never started. 
XXXX XXXX XXXX has since XXXX the online account and their customer service never gets any answers regarding this matter. 

In XX/XX/2022, I started getting incessant calls from a number in XXXX, eventually when I picked up it was Credence Resource Management  calling to collect an XXXX XXXX XXXX XXXX claim for debt for services ( *that never got installed and never used ). This was promptly disputed over email. 

I am getting contacted regularly by credence over email and phone that I still owe them the money for services that I never received and I need to again dispute the claim. 

How do I stop XXXX XXXX XXXX XXXX Credence from XXXX XXXX into paying the money for the services that were never started?
Product: Credit reporting, credit repair services, or other personal consumer reports

J Jefferson system capital added a fraudulent collection to my report, a XXXX by the name of XXXX XXXX XXXX XXXX. I received grants and financial aid that covered my expenses and they randomly added a collection to my credit report
Product: Debt collection

First federal credit control inc Do engage in deceptive practices I received notification of that on XX/XX/year> date. The letter is dated XX/XX/year> and give the right to dispute until XX/XX/year>. 
I received the letter after the deadline and its impossible that the letter months in the mail This is the deceptive practice and should be investigated
Product: Checking or savings account

Reference : CFPB Case No. XXXX I received a letter from Citibank ( XXXX XXXX ). 

At no time for the promotion was I advised that there was a " Know Your Customer Program '' for purposes of marketing strategies to understand clients financial needs which required a series of personal financial questions which was not the business of Citibank nor did I wish to answer. 

This should have been disclosed ahead of time not lure people in with a bonus for a checking account and then get a run down on all their personal and private information. 

This is deceptive and a hardship to people who need to arrange transportatation to the bank,. etc.. Banks give you the option of opting out of sharing information with third parties or not engaging the help of financial advisors. You do not automatically get set up like this without the permission and disclosure to the customer. This is a disgrace for Citibank in keeping customers in the dark ; manipulating customers and not disclosing the truth about promotional offers ahead of time but only after they make a complaint on their deception thay mail you 8 pages of fine print..
Product: Credit reporting or other personal consumer reports

Orginal lender account was set up auto payments. Then with XXXX i continued to make payments then account was sold and account went into deferred payments because of government made a new forbance or extenstion and my auto payments halted and i was removed of the autopayments with netnil without my knowledge. Then i had been showing current uptil XX/XX/year> with no contact or communication from lender. Then i was reported XX/XX/year> as 90 days past due to the credit bureau.
Product: Payday loan, title loan, personal loan, or advance loan

I entered into a loan agreement with LoanMart in XXXX around the middle of the year. Things were fine. In XXXX they offered an additional {$1000.00} loan. I needed the money so I took it. This brought my loan total to {$2000.00}. I asked about moving my payment date. The man said hed send the paperwork. I didnt receive it, so my payment in XXXX was late. I called again and was promised the paperwork again. Would not take off late payment fee. Same thing happened the next month. In XX/XX/XXXX I finally got someone who explained that loan had to be current to change due date. I made my payment and called back the next day. Turns out they just had to send an email which I then signed electronically. Done. Around XX/XX/XXXX I started receiving phone calls and texts saying I had missed a payment, which I had not. First person I talked to said it was a mistake. Took off the late payment, so I thought I was good. Same thing happened in XXXX. I called and automated response said Id made payment, so I thought it was just another error and ignored. They kept calling. I talked to someone who said what had actually happened was I missed a payment in XXXX. Id made the payment but it was declined/returned a couple of days later. I disagreed and looked at my banking records which showed no missed payment. I called back to ask where to send copies of my records and was told that was NOT what had actually happened. What had happened was regarding the late fees I had accrued. I had approximately {$150.00} in late fees. My payments each month went to late fees and interest first, so therefore it was marking my payment as late each month. I couldnt afford to make a full payment, so I said Id make an extra {$50.00} payment each month until it was paid up. Everything was fine last month. This month I start receiving phone calls and messages again. I go to double check my payment went through and see that my past due amount has jumped up to over {$300.00}. I call today to try and straighten it out and the guy Im talking to doesnt understand me. I just told them Id made my payment, and Im going to start contacting whoever I need in order to report their loan practices.
Product: Credit card or prepaid card

I have already complained about funds stolen from my prepaid cards XXXX and XXXX ( see case # XXXX ). 
US Bank responded on XX/XX/17 that I should sent them email with my driver 's license, copies of receipts and copies of my cards and then they would send me refund. 
I am unsuccessfully trying to get this resolved since that. I have sent them all this information several times, however no resolution was received. When I am trying to get the status of my case I am getting back emails that my case was closed. The last time I received a response that my email was received without attachment, although I have sent it with attachments several times. Moreover, they should already have a copy my driver 's license, receipts and copies of my cards because I faxed all this information to them in XX/XX/XXXX when I opened my case. It looks like they are just not interested in resolving my case.
Product: Credit card

Hi I have credit card with Capital One. It was opened in XX/XX/XXXX at XXXX time they were reporting to my credit bureaus. Now they are not. Need them to report my payment history to all XXXX bureaus if possible. Thanks
Product: Checking or savings account

XX/XX/year> -An unauthorized online transaction in the amount of {$500.00} was transferred out of my checking account. 

XX/XX/year> -Report to wells fargo that an unauthorized transaction took place. 

XX/XX/year> -I 'm told for the very first time that my checking account has been a joint account with my now 1 year estranged mother, who is responsible for the unathorized online transaction of {$500.00} out of my account. 

XX/XX/year> XXXX mins later- I'm told that filing a fraudulent transaction claim would not fall in my favor, despite the transaction being unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXXne filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : 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 and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Unable to utilize my credit freezes or view anything this is not the first time that Ive been treated this way this has happened many times before I also am being forced to pay to view my credit report which is a violation of the fair credit law
Product: Prepaid card

I've tried repeatedly to add the Amex gift card to my XXXX  wallet. Every time I try to set it up for " tap to pay '', the card is rejected. 

I've followed instructions online but it doesn't work. 
XXXX XXXX XXXXamexgiftcard.comXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CAP XXXX AUTO XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$710.00} {$710.00} {$710.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$28000.00} {$28000.00} {$28000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$34000.00} {$34000.00} {$34000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$280.00} {$280.00} {$280.00} Payment Status : Late 30 Days Late 30 Days Late 30 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Auto Fixed rate Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

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 15 U.S.C 1681 section 602 A States I have a right to privacy.

15 U.S C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which anteaters the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate.
Product: Debt collection

Diversified consultants inc has made contact with me again attempting to collect a deb that I have no idea about and do not owe. They have XXXX XXXX XXXX as the creditor they are collecting for and I currently have no past due debts with XXXX XXXX XXXX and all old accounts with them have been paid. I previously had this issue with diversified and they sent a letter stating that they were collecting in error and would cease all contact and remove all listings they may have entered from the credit reporting agencies.