23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2015, I received a letter from Asset Acceptance , LLC about a debt from XXXX XXXX that I did not know about. I have never had utilities in my name. When I got that letter, I immediately called Asset Acceptance, and requested an identity fraud packet. I received the packet and filled it out. However, they had asked for my address history, and being that I work every day when the Secretary of State is open, I had to get it sent by mail, which took about 4 weeks to get everything situated. During that time, I was in regular contact with the company, and asked for more time, because I was waiting for verification. They extended the time period for the documents needed, and said my wages would not be garnished until the dispute was resolved. I ended up faxing what they needed on XX/XX/2015. Since that date, I have heard nothing from the company. I have tried to call them, and the representatives continue to say that it 's still in the " dispute '' stages, but they have no idea why, and I should be receiving a letter stating the reason. The only letters I have received were both in XX/XX/XXXX, stating that my case is still open, and my wages will stop being garnished until they reach a decision. My next paycheck, and every paycheck after that, my wages are still being garnished. I have tried to call the lawyer assigned to my case, a XXXX XXXX XXXX, around 20 times, and left multiple messages over a 5 month period. Not once did I get a call back. I resent all the required documents by certified mail, along with re-faxed them also on XX/XX/2015, along with a letter that if I did not hear back from the company within 30 days, I would have to take further action. I had included the fax confirmation from XX/XX/2015, so they would know I did send them the information. I also had requested a certified mail signature sheet, which I received once it was delivered. Today is XX/XX/2015, and I have not gotten one letter from this company. I have provided proof without a doubt that this debt is not mine, and my wages are still being garnished. When they were trying to collect the debt, I got multiple calls and letters, even when the account was in dispute. Now, every time I call into the company, they give me different numbers, nobody has any information on my account, and the lawyer will not answer the phone. This is completely unacceptable. I would like to know why my wages are still being garnished, after the company has stated over 3 times that they would not be, and I also would like to know why I am continually being ignored when I ask what is going on with my account.
Product: Credit reporting or other personal consumer reports

For XXXX - I had received a loan from them once that got paid. However, a XXXX loan shows, and it is not mine. 

For XXXX XXXX XXXX I have no record of this bill ; it should not be in my credit report.
Product: Credit card

I do not have a CitiBank credit card. I have never had a CitiBank credit card. Yet, this company keeps calling me regarding my supposed " account. '' Today, they awakened me out of a sound sleep at XXXX. PST. I am recovering from XXXX, and did not appreciate being awakened. I looked on the CitiBank web site, and did not see the phone numbers that were left for me. I was told to call " XXXX. '' The phone number on my caller ID was " XXXX. '' I am also on the " Do Not Call '' Registry. I would like to know where CitiBank got my private, non-published phone number, and why they think I have a supposed " account '' with them. 
In addition, I discovered in 2015 that I am the victim of major identity theft. If someone opened up a fraudulent account with CitiBank, using my name or personal information, I would like to find out.
Product: Debt collection

Bank of America has sued me for an alleged debt. 

Bank of America never sent me documentation to validate the alleged debt. 

Bank of America used substitute service ( NOT personal service ) to serve the Summons & Complaint on my mail service. 

The individual served was not informed as to the nature of the documents being served. 

Personal Service was NEVER attempted at my residence or place of business. 

Plaintiff never obtained permission from the Court to perform substitute service. 

The individual served was not and is not an authorized representative for service of process. 

The court where the lawsuit was filed is a 30 minute drive away with reliable transportation. I lack reliable transportation. There is a XXXX  Courthouse ( the XXXX XXXX XXXX ) within walking distance of my home. The action should have been filed there. 

Plaintiff is fully aware and has been given documentation to prove that even if Plaintiff is successful in obtaining Judgment in its favor, I can in no way make restitution. 

I am turning XXXX XXXX XXXX. I am XXXX  XXXX. I am XXXX  and XXXX  XXXX. I am retired. I am unable to work. My sole income source is SSI. I rely on SNAP ( food stamps ) and Section 8 Housing for my subsistence. I own no real estate or luxury items or liquidable assets. I HAVE NO COLLECTIBLE ASSETS but the Plaintiff continues to harass me with the present lawsuit. 

I can not afford legal representation. I am having to fumble through this lawsuit on my own. It is costing me in ways I can not afford : mentally, physically, and financially. 

Plaintiff is in violation of the Fair Debt Collection Act/Rosenthal Act. 

Please help.
Product: Debt collection

This credit collection agency states that I owe XXXX for a bill that is n't mine. I have never received their services ad furthermore I was a minor at the time of this service. I contacted the collection agency on XXXX17 and was told it was mine and anyone could have gotten it in my name. Well duh is n't that identity theft????
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXXXXXX Balance Owed : {$11000.00} : XXXX XXXX XXXX XXXX Balance Owed : {$31000.00}.
Product: Credit card

I received a statement from XXXX XXXX in the amount of {$30.00} on XX/XX/XXXX. A payment of {$30.00} was issued on check XXXX XXXXXXXX on XX/XX/XXXX. The check has not been cashed. The check was in the name of my husband however my account number was listed in the memo section. We received an additional statement in the amount of {$32.00} on XX/XX/XXXX and a payment in the amount of {$32.00} was issued to XXXX XXXX XXXX XXXXXX/XX/XXXX on check # XXXX. I began calling XXXX XXXX in XXXX because I had not made any more purchases and was confused as to why I had received the statement un the amount of {$32.00}. At that time I was advised they had not received my payment in the amount if {$30.00}. I checked with my bank and was advised the check had not been cashed. I called XXXX XXXX back and advised them the payment had been sent and asked what could be done to find the payment. I was advised they have a lost payment department and any unposted payments are sent to that department. I provided my husbands name, the check number and the amount if the check and they advised they would ask for the check to be located in the lost payment department. I called again on XX/XX/XXXX and spoke with XXXX XXXX XXXX XXXX and explained the situation to her. By this time I had been assessed 3 late fees of {$39.00} each. I asked for statements to be mailed to me beginning XXXX XXXX XXXX She also pledged to follow up with the lost payment department. After viewing the statement s I determined the only merchandise I received in the amount of {$30.00} has been paid twice. Once with the check they have not cashed and second with the payment of {$32.00}. I called back today and asked for XXXX XXXX and was advised I could not be transferred to her. I asked for a Supervisor and was transferred to XXXX. I explained the entire situation and asked fir the late fees of {$100.00} to be written off. She was extremely rude and told me one late fees had been written off but a new one had been added yesterday and they will not be removing anymore. This is completely unacceptable to me as I have been a customer for more than 8 years and have never had a late payment and they have always been able to post my husbands name checks to my account. The merchandise I purchased was in the amount of {$30.00} and they cashed the check in the amount of {$32.00}. When I called to question why my original payment had not been posted they should have seen the {$32.00} payment and written off any late fees. Also as I have called them on a monthly basis awaiting their action of looking for my payment they should have held this account instead of applying 3 different late fees as I was waiting on them. I advised XXXX today when she was completely rude and unprofessional that I would be contacting CFPB for their assistance. At this point I do not believe that they have ever looked for my lost payment and prefer to continue to add late fees. Please help. Thank you so much.
Product: Student loan

In mid-late XXXX I requested that XXXX do an investigation or thorough count on the number of payments I have made that count towards the 120 PSLF payments since I did not feel the number they gave me was accurate. In early XXXX, I believe XXXX or XXXX, I received a call from a representative at XXXX, asking if I still wanted the count completed and I indicated I did. I called roughly 6 months later ( and about a year after my original request ) inquiring about the status of the count considering one of my statements showed two different numbers for my two loans, one being in the 70/80 's and the other in the 30 's. I was told at that time that they hadn't even started the count until XXXX, and according to their false records I hadn't requested it until XXXX -- which is completely untrue but XXXX treats me as if whatever their records say is fact and could not possibly wrong. I spoke to someone in XXXX XXXX and inquired about the count since it continues to be incorrect on my statements, not to mention I've never been given any type of resolution or letter indicating their findings ; I was told it still isn't complete and they have no clue when it will be done. When I call XXXX for any reason, I get anxiety because of the lack of consideration, being told I'm essentially a liar because they don't see something I've said written in a note in their system, and inconsistent answers/recommendations between a representative and supervisor. I requested the count be done about 18 months ago and it has yet to be done. I fear that this will go on to effect my forgiveness and prolonging payments I have difficulty making. I consolidated my loans in XXXX and have been employed FT continuously since XXXX ; which stands to reason I should complete the PSLF payments in XXXX, which is the reason I felt the count was incorrect. I am beyond frustrated with XXXX and would like assistance in resolving since I have no way in doing so besides calling and asking ; which I do not feel should be expected for them to do their job in a reasonable amount of time.
Product: Mortgage

I have been trying to contact my mortgage company for 3 weeks. I have sent email and tried to contact the on their XXXX phone number. The emails tell me to call the phone number and when you do it goes into an automated system that you can't get to a representative. In my area we have suffered from a major disaster, we had 2 dam failures that has destroyed have of our town, including my home. I'm am attempting to get a loan modification. But I can not get to a person to discuss the problem!! I would like help!!
Product: Credit card or prepaid card

Capital One sent me an unsolicited application for a XXXX Credit Card via my XXXX email account. The solicitation provided a link to a web page where I provided my private credit information. Both the unsolicited email and online credit card advertisement informed me that I am eligible for a {$200.00} -- rewards cash credit after spending {$500.00} in XXXX  months. Per credit contract with Capital One, I provided my credit information, which impacted my credit report. I provided my private contact information protected under the Federal Privacy Act of 1974. Capital One is now communicating that they are choosing to breach their contract with me by not paying the advertised {$200.00} -- rewards cash credit to my Capital One credit account. 

Email received from Capital One<XXXX XXXX XXXX, you're approved for a XXXX Rewards card XXXX XXXX XXXX  Earn a one-time {$200.00} cash bonus once you spend {$500.00} on purchases within 3 months from account opening '' - I have excellent credit. 

I called Capital One multiple times to confirm eligibility for the {$200.00} cash bonus. Now after spending and paying off well over {$500.00} -- of purchases over the last 3 months, I am told by Capital One that I am not eligible for the {$200.00} -- cash credit. 
Changing the terms of my credit card credit contract after Capital One has retrieved my very personal financial, private information constitutes a breach in contract and makes the Capital One Online credit card solicitation false if not fraudulent. Remedy is for Capital One to provide me with the advertised {$200.00} -- cash reward.
Product: Credit reporting or other personal consumer reports

XXXX Equifax XXXX XXXX are reporting inaccurate addresses in my report that I didnt and do not live at. 
XXXX XXXX XXXX XXXX XXXX XXXX isnt my XXXX XXXX XXXX  XXXX XXXX XXXX XXXX la, XXXX isnt my address and I have never lived at that address. 
XXXX XXXX XXXX XXXX, Tx XXXX isnt my po box never lived at it. 
XXXX XXXX XXXX XXXX XXXX, Co XXXX isnt a business and not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX isnt my address and I have never lived at that address.
Product: Checking or savings account

On XXXX XXXX, 2017, I attempted to with draw funds using debit card issued by XXXX XXXX ( which is an XXXX bank ) This was at the 'Chase Bank ' ATM situated at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX in United states . 

The ATM did not dispense the funds but debited the equivalent of {$1000.00} ( which is INR XXXX as per the currency exchange rate that day ) from my XXXX account. I asked the bank branch employees for assistance. 

They told me that XXXX ( my XXXX bank ) should open a dispute with Chase bank.. 
So I have already done that part and requested my bank to do this procedure. 

Because of cash shortage my daily activities like commuting, living expenses, etc,. have taken a hit. 

I request you to help me expedite this process and get my money credited back to my account at the earliest. 


Best, ..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts that I did not open on my credit report and none of my credit reports match. I also disputed 4 times in one year ( XXXX-XXXX  ) to get these items off my account. I know by law my credit report should have the same information on all three and it doesnt. I need these inaccurate accounts removed.
Product: Money transfers

On XXXX XXXX, 2016, I odered a XXXX product from XXXX online for {$96.00} which I paid in full through my PayPal account. They received my payment instantaneous. The shipping is free and suppose to arrive 2-4 business days. There 's no customer service contact number. All communication is done via email. I later find out that their address that 's displayed on their website isnt all the way correct. On XXXX XXXX, 2016 XXXX tells me a woman called in and requested that my package be returned back to sender. For what? I do n't know! I 'm very upset because this was supposed to have been a XXXX gift for my daughter. When I emailed them on that same day telling th how upset I was about the whole order process and especially not having a customer service contact number for situations as this one. This company has not responded yet. Today is XXXX XXXX, 2016 and I still have n't received my Oder or refund. I 'm a mother of XXXX. My youngest just turned XXXX old on XXXX XXXX. I ca n't afford for this company to rip me out of my money. I work hard for every dollar that I make. This company is wrong for doing this to me and ruining my daughters XXXX! What really bothers me is that this company still has my money and do n't have the decency to respond to my emails. I order through XXXX and EBay all the time and never had a problem. Never again will I Oder from this company. I have nothing good to say about this company. I even dislike the name of this company. The whole ordering process has been nothing but XXXX!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX keeps reporting a charge off account as a recent charge off more than twice within the same year and my score has dropped each time that the account was reported. This account was originally charged off in XX/XX/XXXXand twice in XX/XX/XXXX and again on XX/XX/XXXX First Progress has erroneously reported this account as being recently charged off which reflects in a score decrease each time.
Product: Credit reporting

I have a Tax lein from XXXX county register of deeds that does not belong to me it was reporting on XXXX bureaus i called the County Clerk and verified that i do not and have not had a tax lein in my name. I disputed with XXXX bureaus and equifax and experian removed the lein because it was not valid and could not be validated for that reason. Transunion claimed it was verified. I then went back to the XXXX County Clerks Office and they verified again that i do not have a tax lein and have not had a request for verification of a tax lein from the credit bureaus and even further that they do not report to the credit bureaus at all, At that time i requsted method of verification and transunion did not supply only the fact that it is verified by a third party It is not my responsibility to reach out to a third party so i reached out to the XXXX County Register of Deeds that the Bureaus are alleging reported to my file maintained by them an account that doesnt belong to me. The third party is actually fraudulenty reporting in the name of XXXX county Register Of Deeds. Per my report it is alleged that the data furnisher is XXXX County Register of Deeds but they do not report to the credit bureaus they do not have a data furnishing aggrement with the credit bureaus so it is another entity reporting and alleging that they are XXXX County Register of Deeds. I have asked the bureaus to forward the contract or agreement or any proof that they are recieving to validate this file since I have requested it from XXXX County Regster of Deeds and they dont have anything. I have requested that the credit bureaus investigate this tax Lein on 3 occasions to no avail. they have not investigated nor have the forwarded any validation documents.
Product: Debt collection

I received a final notice of pre- legal notification from a company called XXXX XXXX XXXX regarding a collection for an XXXX  credit account through XXXX XXXX.I never opened a credit card for XXXX as all my purchases are paid on a debit card. I have never heard from this company until I applied for a student loan for my child.

Suddenly I receive a final notice for the amount of {$490.00} I didn't apply for. They allege a charge off date of XX/XX/2017. Also an unknown address shows up on my XXXX credit report along with this company. Numerous online complaints state this is scam company.I owe them or synchrony bank nothing I assure you.
Product: Credit card or prepaid card

Hello, my name is XXXX XXXX XXXX XXXXAm XXXX XXXX XXXX and i was given the US bank focus card by my boss and they payed me there but as soon as i was paid money was use from my account about XXXX something and i called the US bank focus card to dispute the transcation and please replace my card .they said i had to wait 5 days before i can dispute the transcript i said ok but they order a new card for me on the XX/XX/2022 and told me to wait for 7 to 10 days to get my card i said ok .On the 6th day i called them to ask about my card the lady said and told them i had to pay for my fees at my XXXX school and i had my dads birthday coming up i need to use the money in the card .she check her system and told me to wait Ill receive it the next day, I waited, I didnt receive it the next day i called on the 8 day they told me I cant receive cards on weekends I would have to wait till Monday Ill receive it on Monday didnt receive it on Monday, called them on Tuesday they said Ill receive it by the end of the day they kept of lying to me till today the XXXX of XXXX and still havent started my school yet .I called them today and still kept me hanging. They are very decitful.
Product: Debt collection

I have XXXX XXXX account. I have been having problem with them for non payment which is not true. There cut off my services XX/XX/XXXX because they said I missed payments but when there checked the records they said it was there mistake and my payments would be {$38.00} for 12 month then back to regular payments {$48.00} for 10 months. So, is XX/XX/XXXX they had come back to reconnect my services Plus in XX/XX/XXXX they sent new contract that was on my My ADT App for {$48.00} without my signature. This is not what was told to me on the telephone XXXX XXXX. Now, XXXX XXXX disconnect my services again and sent my filing to debt collection - Virtuose Sourcing Group stating I owe {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX T XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I signed a agreement to with draw funds from my account on the XXXX of the month and the last business day of the month everything was going just fine till XX/XX/XXXX where they started pulling money early. They said they escalate it to get fixed then today XX/XX/XXXX they did it again. Called them and they said there system does not know what the last day of the month is. So it just pulls some time between the XXXX and XXXX thats not what i autherized. they never warned me of this or advised me they were pulling money early they just did it
Product: Credit card or prepaid card

BarclayCard cancelled my XXXX account without any warning. I have used the account recently, did not have any delinquencies and also had a rewards balance. BarclayCard will not let me view my account as this time, but I do know that I had over XXXX rewards miles that were not used as of 2018. I suspect this number is much higher now. Since BarclayCard did not notify me that they were going to cancel my account, I can only speculate that it happened because of erroneous negative information that had recently appeared on my credit report ( that has since been disputed ).
Product: Debt collection

15 USC 1692c ( c ) If a consumer notifies a debt collector that the consumer refuses to pay the debt, the debt collector must cease all form of communication. Report to consumers credit reports are a form of communication, which is a violation of the law.