23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have contacted the XXXX XXXX XXXX repeatedly over time to try and settled my alleged debt with them. My calls and proposals continuously go unanswered, until suddenly, Im being served paperwork for a lawsuit. I was served once ; and contacted them immediately to resolve this. They do not keep up with clients at all, they do not have autopay for payment plans, they do not send monthly bills or payment reminders, they do not send monthly statements, therefore keeping tracking of payments and due dates is impossible due to the lack of infrastructure on their website. The second time I found out they were suing me, they had gotten a judgement against me to levy my bank account- I was not notified of any delinquent payments on my plan, I was not notified of the new lawsuit, I was not notified of the bank levy, I was only made aware by a law firm offering their legal services to me with the public record from the local courthouse. I notified them immediately that they did not have the right to levy my account as it is shared with a third party, and has protected funds in it. They instead opted to pursue another payment plan. I have repeatedly proposed and called and sent letters about settling the debt- with no answer. They have not properly notified me of my debts in the amount or status of the debt and have also failed to notify me of pursuing legal action. They are unresponsive to most requests and this seems to be a common complaint amongst their XXXX reviews. 
The photo below shows two occasions I was supposedly served on- one of which ( XXXX ) which is incorrect. I was never served or notified of a bank levy.
Product: Debt collection

I NEVER GOT VALIDATION VIA MAIL OR VIA ELECTRONICALLY I NEED THEM TO CEASE AND DESIST
Product: Credit reporting or other personal consumer reports

The loan was paid in full on XX/XX/year>.
Product: Debt collection

I am writing to lodge a formal complaint against XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX, XXXX, an entity operating under the holding company XXXX XXXX, XXXX, spearheaded by XXXX XXXX XXXX XXXX. 

Over the past few months, I have received multiple unsolicited calls from a number associated with these organizations. On each occasion, the callers have been reticent about their identities and their company 's purpose. This includes not properly identifying themselves, abruptly ending the call when asked for identification, and insisting on personal confirmation before disclosing any information. 

Specifically, the dates and times of the calls are as follows : XX/XX/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 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 XXXXXXXX All but the last were unanswered as I was unable to while working. On the day of the final call, I decided to answer the phone. During this interaction, the representative asked for my name without properly identifying himself or stating the purpose of the call. After multiple attempts to ask for his identity and company representation, he abruptly hung up. This call lasted a mere XXXX seconds. 

Immediately following this, I called back, hoping to gain clarity about the nature of these continuous calls. However, the representative I reached, again, refused to identify himself or the company he represented, and immediately asked if I was " <my name> '' This call ended after XXXX seconds, with little progress made. 

I called back one more time and I was able to speak with a female representative who informed me that they were calling from " XXXX XXXX XXXX '' on behalf of their client, XXXX XXXX XXXX, XXXX. I was told that I owed a debt significantly higher than what has ever been reported on my credit report. The representative claimed that such increases were normal, and cited an example of a consumer who had a {$200.00} XXXX card but had to pay {$700.00}. I was shocked at this admission. I inquired about how to remove this from my credit report, but was informed that even if I paid in full, XXXX XXXX XXXX would not remove the mark from my credit history, only label it as " paid in full. '' There are inconsistencies with the debt amount these companies claim I owe. Not only is the amount higher than the original credit limit of the card, but I was also informed that even if the debt were to be paid in full, it would not be removed from my credit report. Furthermore, the debt is being reported twice, once by Continental Finance Company and again by XXXX XXXX XXXX. This claim appears to be part of a pattern of trading debt among affiliated companies to maximize profits or evade regulatory scrutiny.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 


US DEPT OF EDXXXX XXXX Account Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Account Balance : {$0.00} ; XXXX XXXX XXXXXXXX Account Balance : $ {$1400.00} ; XXXX XXXXXXXX XXXX XXXX Account Balance : {$57.00} ; XXXX XXXX Account Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Account Balance : {$770.00} ; XXXX XXXX XXXX XXXXXXXX Account Balance : {$170.00} ; XXXX XXXX XXXX XXXXXXXX Account Balance : {$630.00} ; XXXX XXXX XXXX Account Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Credit reporting

XXXX XXXX XXXX has been trying to collect a debt for over {$1400.00} for cell phone service that I am not responsible for. I have contacted them on many occasions to explain that this is a fraudulent account and have requested that it be cleared and removed from my credit report.I do not know the origin or the phone numbers associated with this account.I currently have an account with them that was opened AFTER this debt was incurred.They refuse to remove this debt as being my responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with the Credit Bureaus has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the Credit Bureaus are required by law to remove any information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove these files. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly. Once again, I am requesting to please remove the following items completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Medical XXXX Balance Owed : {$240.00} Medical XXXX Balance Owed : {$220.00} XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I deposited XXXX into Venmo from a company called XXXX XXXX. I got into an accident last week and we agreed upon a payout. XXXX XXXX offered that payout using Venmo and other services but I choose Venmo not knowing they would hold my money for XXXX days! I tried to withdrawal my money the same day on the XXXX and they told me my account is being frozen for unusual activity! I was told I violated the user agreement but I dont understand what I did. I just want my money and I will never use the site again!!
Product: Money transfer, virtual currency, or money service

on XX/XX/year> I tried to transfer the XXXX  I bought from XXXX XXXX to my cold storage wallet. I currently have {$11000.00} in that exchange. The only way to contact customer support is through email. They have no chat or phone line. 

I submitted my drivers license and a picture of me holding my drivers license with a code written big on another sheet of paper. Apparently that wasn't good enough and they told me they would get back to me. I bought these XXXX  to hold on for long term and they told me I could sell them but not take them off the exchange. That's very sketchy and give me reason to believe they are doing something with my XXXX. If the exchange goes down, I have no recourse and will lose all of my XXXX  which has happened to exchanges before. XXXX  has been around for over 9 years. 

I've emailed them several other times. They got back to me one time as I threatened legal action and they told me they have a lot of volume to handle. I emailed them again after that I now they are completely ignoring me and just disregarding my support ticket. They are using security as an excuse to keep my XXXX  on their exchange and it appears they don't want people moving it off their exchange based on all the complaints I've seen XXXX and the XXXX.
Product: Mortgage

I have been in my home since 2006 and I still owe the same amount of money that I purchased my home for XXXX  years ago. I believe I have a place predatory loan and would like to move forward to what I could do. My interest rate continues to climb with no notices and my principal hasnt dropped. Im in the process of getting a mortgage lawyer.
Product: Money transfer, virtual currency, or money service

I am a victim of potential fraud. I sent money via Cash App to some one for a service I never received. He states that we are in a 6 month contract but I never signed a contract or was shown a contract upon payment. I tried to ask for the money back via charge back on Cash App but he denied it.
Product: Student loan

Nelnet sent a response that their information was correct and I was late on my payments. They sent payment records that did not include the previous payments that were made prior to the " late '' payment and how they were not appropriate applied to the past due amounts. I sent proof of the previous payments via email ( in reply to their email ) on two different occasions with no response. My credit score dropped by XXXX points because they reports 16 loans individually even though the payment was made. They are not responding to my email I sent with the proof or correcting the negative credit reporting.
Product: Credit card

On XX/XX/XXXX, I contacted Citi Card regarding 2 charges on our Citi card that we had not made. I was told that the charges would be looked in to. Also they would close our current Citi Card and issue use a replacement and that it would take 4-10 business days for us to receive it. 
When I had not received a new card by XX/XX/XXXX, I called customer service to inquire about the new cards status. The person that I first spoke with was not forth coming with any answers. She said that our bank had denied us a new card. When I asked her to explain what she meant, she said " she could not share that information and I would get a letter. ". I then asked to speak with a supervisor. I was connected to a supervisor who proceeded to make me go through all my identity questions. When she was satisfied that I was who I said I was, she told me that someone else had called after my first call and asked for new cards and that they had been sent. Our next statement did show a new card number. However, we never received those cards. Nor did we call and activate them. I told XXXX that. I told her we had not called again or received any new Citi Cards. She said that i was possibly a victim of identity thief. I also spoke with her about the XXXX Citi Thank You Points that I was unable to currently access. She said " let me put you on hold and speak with the fraud department '' which she did. After being on hold for 10 minutes, the line went dead. I thought someone would reach back out to me, but they did not. 
We finally got a letter dated XX/XX/XXXX merely saying " We're looking into your dispute. ". 
I gave it a couple of days and called back on XX/XX/XXXX. This time customer service was even more rude and would not give me any information regarding Citi Cards action concerning our account. In the meantime, I went ahead and paid all the charges even those in dispute. 
I had repeatedly asked about our appox XXXX Thank you points balance. Each time I was given a different answer. Finally I called on XX/XX/XXXX and spoke with first XXXX and then XXXX, a supervisor. XXXX spent a lot of time giving me the run around and once again no answer on how to access my points. Because i had gotten to a place whereI didn't care about a replacement card just getting the benefit of my Thank you points that is what I asked XXXX to help me with.. XXXX also put me on hold for 10 minute before the line went dead. Because I had shared with XXXX my previous experience of getting disconnected, I asked her to take my number and call me if we got disconnected. She did call. Shortly after that contact, we received a letter dated that same day, XX/XX/XXXX saying our Thank You points could no longer be used with paypal We had been loyal and paying customers with Citi Card since XXXX. We had never been a problem. My husband and I spent a lot of money to gain a balance of XXXX points. We want access to those points. And we want Citi Card to explain their actions. We did nothing wrong and they have treated us with disrespect.
Product: Checking or savings account

On XX/XX/year>2024, I discovered that my checking account had been compromised. There was a check deposited into my account in the amount of {$790.00}. I called Citibank customer service to report this. There was nothing done about it. The next morning XX/XX/year>2024 another check was deposited in the amount of {$2800.00}. Again nothing was done. It turns out that fraud was being committed. I've never deposited nor have I ever had deposited items returned. The goal was to deposits these XXXX checks, withdraw the funds and let the checks bounce. That is exactly was occurred. I received copies of the checks. It's obvious these checks were not deposited by me. Rather than assisting me Citibank closed my accounts and would let me get access. I reported this to the FBI and Oklahoma Police Dept. case # XXXX. I have spoken to Citibank customer service and fraud department several times. As of XXXX2024, I have no access to my checking, savings, credit card and investment accounts. No access to the funds in my accounts. I can't believe that Citibank doesn't back a customer complaint regarding fraud detected. They aren't cooperative and don't stand with their customers when fraud is detected. It has been a nightmare with my direct deposit from work and recurring payments. I need Citibank to make this right!!
Product: Checking or savings account

I am filing a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred over the years despite having sufficient funds in my account at the time the transactions were authorized. I was charged fees due to delayed posting of charges and credits. My issues aligns with recent CFPB findings against Navy Federal Credit Union for similar instances where transactions settled with insufficient balances despite having available funds initially. I beleive this is an unfair practice and would like to request an investigation into my accounts transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Name, address, place of employment, and phone number is not correct on my credit profile. I have asked Experian to update and delete this information but the have not honored my request stating that the information has been verified. 

If there is an account which comes back verified pursuant to 15 U.S.Code 1681a ( e ) there must be an investigative report with the source of the report coming from interviews of family and friends and the results can not contain factual information. No such verification based on an investigative report exists. 

The reporting of this information negatively effects my credit as inaccurate reporting can be a concern of identity theft and other persons information may be link to my personal credit profile.

A consumer reporting agency may furnish a consumer report in accordance with the written instructions from the consumer to whom it relates. Please provide the written instructions that I, the consumer gave to Experian which has authorized this furnished account. 

A consumer reporting agency must maintain reasonable procedures to assure maximum possible accuracy of furnished information on my consumer report. 

1681n ( a ) ( 1 ) ( A ) - willful failure to comply with any requirement under the FCRA is damages up to {$1000.00}
Product: Debt collection

I have a a unverified account from CMI # XXXX. I had previously disputed this account. I have never done business with CMI. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CMI # XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CMI Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Debt collection

Debt collectors have n't called outside of proper hours, however I am having an issue with debt collection companies not providing me with a receipt for my monthly payments. I 've spoken with multiple representatives and supervisors who always claim they 're going to resend it but they never do. A common practice for these companies is to only allow you to speak with XXXX person who is authorized to handle your account. The issue with this is very rarely is that specific person available to take my call and when I leave a voice message my calls are never returned. It is ridiculous that I have to make demands for something as simple as a payment receipt. These companies need to improve their customer service now!
Product: Checking or savings account

Hello, I received a letter from US Bank on XX/XX/XXXX stating they had a reason to believe an account was opened in my name. This is not correct as I am the rightful owner who had opened this account. I called XXXX on XX/XX/XXXX to inquire on my funds as I didn't receive those after they closed my account. The representative said in order to release the cashier check they need copy of my SSN, Driver license, Utility Bill and the statement of the source of funds that were deposited into my US Bank checking account. The Fax was sent on XX/XX/XXXX at XXXX am. The fax was successfully received based on the status OK. 

I get a call on XX/XX/XXXX saying they received the Fax but SSN and driver license copy were not clear and asked me to email these 2 documents ( SSN and driver license ) to XXXX Called on XX/XX/XXXX to follow up and now the representative says they didn't receive fax copies and asking me to send them again. 

US Bank is harassing me to give me my funds back, every time I call them they are tell me one thing or another and not a single representative is able to tell what is going on. I am fed up with this and creating this complaint to get my funds back. It's a big amount and my hard earned money I am in need of it but US Bank is harassing me to give me my funds. 

Please help.
Product: Credit card or prepaid card

On approximately XX/XX/XXXX I took my vehicle a XXXX XXXX XXXX to XXXX XXXX in XXXX, IL to get an estimate of what it would cost to service my automatic transmission that was leaking transmission fluid and also to stop an oil leak that needed a rear main seal. I was given a quote of $ XXXX complete the repairs and put in the seal. It was agreed with service technician that once the transmission was moved out of the way they would install the rear main engine seal at no charge to stop the oil leak. 
On approximately XX/XX/XXXX I returned to retrieve my vehicle after being contacted to pick up the vehicle it was ready and work had been completed. When I asked to test drive my van I was told that the technician had already driven it and it was fixed. I paid the clerk/receptionist {$1000.00} cash and $ XXXX charged to my XXXX XXXX amount due after my senior discount. The following day I found oil and transmission fluid leaking on my driveway pavement from said vehicle. I contacted XXXX XXXX I was told to watch it for several days. The leak continued! On XX/XX/XXXX I took my vehicle to XXXX XXXX XXXX dealership. They found that the engine rear main seal needed replacing which XXXX XXXX agreed to do in writing. I had to pay XXXX XXXX approximately $ XXXX have this work done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested for the XXXXXXXX XXXX account be validated through Experian Bureau. It is my legal right under FCRA 15u.s. Code 1681states responsibilities of furnishes of information to consumer reporting agency. They must have valid information from the original creditor, which they have not produced any evidence to me, this is the third request..
Product: Debt collection

They just poof numbers and call nonstop on my cellphone.
Product: Credit reporting, credit repair services, or other personal consumer reports

For over the last 6 months now, I can not access my TransUnion credit report via their website. I have tried to fix this with the company many times over the phone and via the internet. However, TransUnion informs me that the account is okay, and that I should have full access to it. But, I DO NOT have access. 

I think that I have also been paying a monthly subscription fee only not to have access to my account. 

Another thing is that my credit score is very much lower than my XXXX and XXXX credit scores. I understand that this is an issue with many other persons too. I would like them to fully investigate my score and adjust it to what it should correctly be.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act theses XXXXXXXX  accounts have violated my rights : 1 ). XXXX  XXXX ( XXXX ) Account # XXXX 2 ). XXXX  XXXX ( XXXX ) Account # XXXX 3. ) XXXX XXXX XXXX ( XXXX ) Account # XXXX. 

Rights Violations : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.