23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The debt first became delinquent in XX/XX/XXXX. They filed suit against me in a county I didn't live in, in XX/XX/XXXX, which was more than a year after the statute of limitations had passed. I never received notice of the suit so that I could respond or was aware in any way of the suit. They then, last month, got a hold of my address and mailed a writ of garnishment to my apartment complex without my apartment number on it so that I couldn't receive it or respond and followed through with garnishing my wages. I am a single mother and rent in my area is very high. I pay over $ 1500/month for a 2 bedroom apartment for my XXXX children and I and I also have bad XXXX and am in need of XXXX XXXX for a XXXX   on my XXXX that I recently found out about, but have not been able to schedule because I'm barely scraping by and can't afford the time off of work right now. I emailed the company with a dispute as soon as I was notified by my employer and advised them that I was disputing several things about the garnishment, of my medical and financial situation, and that I needed it stopped and for someone to contact me but nobody did. That was over the weekend, and my paycheck on Friday was garnished for {$300.00}. I called Thursday afternoon and got their voicemail so I left a very detailed message about everything begging them to do something and they called me back the next day while I was at work. I called back on my break and got voicemail again and told them when I would take lunch and asked if they could answer then or leave me a message with the time they would be available or for someone else to talk to and still got voicemail when I called on my lunch. I left another voicemail and indicated I would be on lunch for a specified period of time if they could please try to get back to me and they called back an hour and a half after I had said I would be available. This was very important so I answered and left my desk to go to the patio and tried to talk to the guy and told him I couldn't go into a bunch of details because I was at work now but based on my long very detailed voicemail which he acknowledged receiving, could he please tell me if there was anything they could do but he refused to discuss it with me because I wouldn't go over all of the details again at work although he admitted having heard them all on the voicemail. Not only have they been unhelpful, but they have, what feels like intentionally, sent things to me in a way that I couldn't respond, their attitude was negative and not respecting of my privacy when I couldn't go into details at work, although I had already given them to them, and tried quite a bit to reach them outside of work to discuss it, but most of all, they filed suit against me well after the statute of limitations in my state was up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Has Listed 39 Opened Accounts. FALSE. 

Experian Does Not Indicate That I, The Customer, CLOSED My XXXX Account. And, That I Had Been With XXXX  Since XXXX  With Excellent Payments, And Up To A XXXX Limit. 

My XXXX  Account Is Listed Within The Credit Report With A BLANK SPACE? AND THEREBY APPEARS SUSPICIOUS. 

My Current Credit Card Balances Are NOT Disproportionate To My Limits. 

Positive, Creditworthy Information Appears To Be OMITTED, OR DELAYED While There's NO HESISTATION Between The Three Agencies TO LIST The One " XXXX  XXXX 's '' Collection For A Pay Day Loan That I've DISPUTED. REPORT WITHHOLDS THE FACT That I'm DISPUTING This DEROGATORY Information.
Product: Prepaid card

We were given XXXX Amex prepaid {$100.00} gift cards from our family back in XXXX for XXXX. We initially checked the balances and and everything was fine. We were able to use one but after a few months the other kept saying there was a problem. 

We checked with the company and they said that in order to fix the issue we would need to provide them with images of the card front and back or the receipt. We did send them the images of the card and now they say that nothing can be done without the receipt. This is ridiculous it is now outside the window that we would even be able to have our family dispute the charge for the gift card they purchased likely at XXXX XXXX in XXXX XXXX, XXXX. And I should not have to reach out to my family that gave me this as a gift for the receipt. 

Totally unacceptable. It also seems like even though it says Amex gift cards that it is an entirely different company called XXXX that is doing some shady business. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX, Regarding card case, XXXX, we have reviewed your claim, and we require documents to complete your request. Please provide your documents at your earliest convenience. The documents we are requesting are as follows : > a full copy of your purchase receipt showing the merchant information and the method of payment or an electronic journal that can be requested by contacting or returning to the place of purchase if you do not have the receipt. We need this information to bill the merchant for the proper activation of your card. 


Please follow this format on the subject line of your email : First Name Last Name Case ( Insert Case Number ). We will begin researching your problem once the required documents are received. In most cases, you will hear back from us within 3-5 days of receiving your documents, however, some cases can take up to 30 days.We appreciate your business and value you as a customer. If you have any questions, please contact Customer Care at the number on the back of your card. Please send your documents to the appropriate location for your claim. 

Fax Number : XXXX Email Address : XXXX Thank you, XXXX Payments
Product: Credit card

I want to receive pre-approved offers for credit cards and loans from Goldman Sachs via XXXX XXXX, XXXX Mail or email. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

want to my number on do not call list keeps getting cloned
Product: Credit card or prepaid card

On XX/XX/2021 I went to bank of america atm tried withdrawing {$600.00} and there atm malfunction and said the transaction will be reversed but wasn't and no cash was dispensed but my account is saying {$600.00} less now. I called and filed a claim twice and im getting nowhere one time they closed it and not resolved the they said they reopened it. I don't get it all they have to do is log in to the atm check the system and the camera and they'll see that no money was dispensed. But there not taking any actions.
Product: Credit reporting or other personal consumer reports

XXXX. I been on the phone holding for XXXX hours and then today XX/XX/XXXX over XXXX hours trying to talk with someone in the credit department at XXXX. I was told that XXXX  had my XXXX loans, and they are the ones who reported my account was delinquent, but the person at XXXX stated that XXXX are closed. They did not communicate with me when my repayment period to started back in XXXX or XXXX. So I have delinquent reported on my credit, and they are closed. XXXX can not do anything about it bc I have to go back to the original loan XXXX loan people ( XXXX who transfer or sold my loan to XXXX ) to get it resolved bc it is XXXX mistake.
Product: Credit card or prepaid card

I have had my Bank of America Visa credit card on autopay for two years ( since XXXX ). On the XXXX of each month {$100.00} is automatically paid to my account. I have not made a purchase on this my Bank of America Visa credit card in over two years. 

I recently discovered that every month since XXXX, Bank of America has been charging me XXXX XXXX month in late fees. I called their customer service line on Monday, XX/XX/XXXX to ask why and was told that my payment has been due on the XXXX of each month. Since my auto-payment has been applied to the account on the XXXX of each month, " technically I have been paying late. '' I was horrified. I asked him why there wasn't a grace period. I expected that there would be a 7, 15, or even 30 day grace period for payments. I didn't even need that. I literally was paying 24 hours late for over two years. He said that because I was paying late that the late fees could not be refunded. I also spoke with a " floor manager '' who reiterated that there was nothing he could do. He did, however, refund the late payment for XXXX ( due XX/XX/XXXX, paid at XXXX on XX/XX/XXXX ) and then he tried to shame me by telling me that I should make an effort to make my future payments on time. 

Because I set up my autopay so long ago, I do not remember the details of setting it up. I do, however, know that I've never received an email, a letter, or a call telling me that I have been making my payment 24-hours late. Instead, Bank of America continued to charge my card $ XXXX/month. I find this to be deceitful and a terrible way to treat a customer who has been paying diligently for years. 

I have attached copies of my payments for XXXX. I am unable to open my statements for XXXX, XXXX, or XXXX from the Bank of America website as it continues to give me an error message. I am, however, able to download my payments for the past 24 months and have attached those.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian and XXXX XXXX XXXX XXXX have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XX/XX/2021 ; XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXX XX/XX/2021
Product: Credit card or prepaid card

Since XXXX my family has been dealing with Capital One in regards to a payment that was made to a car dealership that OWNS a car. They have the title and they are listed as the OWNER of the car in questions. Capital One states that they can not take a verbal confirmation for the XXXX XXXX XXXX XXXX New Jersey stating that they dealer is the owner. Instead they state that they need something in writing. Rather than ASK the dealer for a copy of the TITLE, they are asking me, which by STATE law I can not get. 

This has been going on for months and capital one refused to ask the dealer who they have paid for the title. A simple phone call. 

As a result the dealer has ownership of the car and my money. As this while I am stuck without a car to take my XXXX month old baby to doctor appointments.
Product: Checking or savings account

citizens bank stole my direct deposit social security check in the amount of {$XXXX} although last month on XXXX XXXX, XXXX, I asked the window teller how much I needed in the account so I can get my check until they switch it and I did so. They never told me until it was too late and the back spitefully and maliciously stole my means of sustaining life, i.e. paying bills!!! 
Once before, when I said I was a XXXX XXXX XXXX XXXX, the bank shut down my ability to see what was going on in my account because of my reporting identity theft!?!?!?! Then after XXXX XXXX XXXX XXXX days of not seeing where/what or balance available, I went to the branch and practically had to apologize for the facat that they were not following the law and showing me my ACCOUNTS. 
I need my {XXXX} and this is happening to everyone I know?????? 
I can not live while a bank lies, deceives and transfers an obvious thief just like the XXXX did with the XXXX who XXXX XXXX XXXX!!!!! Transfer them to another XXXX to do to more children and transfer XXXX, the bank senior rep who started this whole thing by telling me that, " ... it costs too much money to transfer money to pay down your XXXX so I 'm closing that account and opening another ... '' Turns out, it costs NOTHING and I never saw on my end to this date the XXXX NOR THE ACCOUNT WHICH XXXX XXXX from XXXX of the Chairman refers to in the XXXX XXXX letter which I have attempted to contact her over XXXX ( XXXX ) times to NO AVAIL AND I want my money with the same XXXX % interest the bank charges people. 
Apparently, Citizen 's Bank thinks I will get tired of typing but I am NOT THE AVERAGE CITIZEN AND LAST I READ ( although most in society do not have integrity, honor, dignity, and pride ) I did nothing wrong and am a productive member of society working my way through XXXX, achieving my XXXX XXXX XXXX with a XXXX XXXX and paying bills on time so I MUST GET MY MONEY BACK!!! How dare a bank make billions of dollars counting on people not having the ability to fight for what is theirs and I hapopen to be the one who will go to every news channel if this is not in a timely manner required by LAWS THAT NOONE KNOWS BANKS DO NOT FOLLOW.
Product: Checking or savings account

I tried to transfer money from my Citi savings to my external account at XXXX on XX/XX/XXXX. The XXXX account has been on file for years and was the account I originally funded the citi account with. 

I had massive problems logging into Citi 's platform when trying to do this. Couldn't log in on my phone, XXXX, desktop, or laptop. Had to reset password a few times and get security codes. I'm assuming this looked like fraud, but it was me just trying to access my funds. Citi put a hold on my account and I called them. They gave me a total runaround on the phone, saying " someone will look into this and call you back ''. Nobody called me back. I tried to log in today XX/XX/XXXX and now I'm locked out and someone on the phone said my account has been closed and I'll get my money in XXXX days! Unacceptable. That's my money. Nobody will tell me anything. If they want to close the relationship, that's fine. But you don't get to keep the money for XXXX days. Also, nobody would tell me what the status of my credit card account with Citi was. It's just super shady. 

Please help me understand what is going on and help me get MY money.
Product: Money transfer, virtual currency, or money service

I setup a payment plan with my account and it took over a week for them to release my payment to another company to the point by the time they tried to redo it another subscription had taken it so I had to start the process over
Product: Credit reporting or other personal consumer reports

the following accounts were open fraudulently while i was in federal prison XXXX XXXX AMOUNT XXXX XXXX AMOUNT XXXX XXXX FINANCE AMOUNT XXXX MIDLAND CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I WAS INCARCERATED FOR THE LAST 17years in the FEDERAL PRISON SYSYTEM THERE WAS NO WAY I CAN IOPEN ACCOUNTS WHILE IN FEDERAL CUSTODY!
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a significant error on my credit report that remains unresolved despite my previous dispute submissions. This unresolved issue is causing substantial harm to my credit rating and must be addressed without further delay.
Product: Credit reporting or other personal consumer reports

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

CAPITAL ONE. 

XX/XX/XXXX. BALANCE TRANSFER of {$12000.00} XX/XX/XXXX BALANCE TRANSFER of {$3000.00} to XXXX XXXX XX/XX/XXXX ELECTRONIC PHONE CREDIT of {$15000.00} Returned on XX/XX/XXXX. 
None of these transactions were done or authorized by me. I reached out to the Bank on XX/XX/XXXX ; XXXX ; XX/XX/XXXX ; XX/XX/XXXX. I was told that I need to submit a bank statement for XX/XX/XXXX phone payt. This is impossible since I have no connection to that payt or to the Bank.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the repeated failure to remove charge-off accounts from my credit report, despite multiple attempts to rectify this issue. 

It has come to my attention that despite providing evidence of fraudulent activity and sending an FTC fraud report as mandated by section 605b of the Fair Credit Reporting Act ( FCRA ), the following charge-off accounts have not been removed from my credit report : These accounts were opened without my consent or knowledge, and they are clearly the result of identity theft. As such, it is imperative that they are promptly removed from my credit report to prevent any further damage to my creditworthiness. 

I have made numerous attempts to resolve this matter through proper channels, yet the accounts remain on my credit report, inaccurately reflecting upon my credit history. This persistent failure to address the issue not only violates my rights under the FCRA but also undermines my ability to secure credit and financial opportunities. 

Therefore, I am formally demanding the immediate removal of the aforementioned charge-off accounts from my credit report. If you maintain that these items are 100 % accurate and verifiable, I require copies of any documentation associated with these accounts bearing my signature. However, I can assure you that no such documentation exists, as these accounts are a result of identity theft. 

Please be advised that if the requested action is not taken within four business days, I will have no choice but to escalate this matter and seek legal recourse. I am committed to resolving this issue in a fair and lawful manner, but I can not tolerate continued negligence and non-compliance with the law. With this, I am asking for your assisstance to remove these accounts in my credit file : XXXX XXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX XXXX Balance Owed : {$640.00} ; XXXX XXXX XXXX Balance Owed : {$4800.00}.
Product: Mortgage

Citimortgage reported my payments as 90 days late on 7 dates and 30 days past due on one date. This was n't the case on even one date. I was supposed to be on an extenuating circumstance plan and paying only interest due. Unfortunately, they 've false reported on my credit report.
Product: Checking or savings account

To whom it may concern : On XXXX  XX/XX/22 I fell victim to a very detailed and elaborate online banking scam using my Bank of America online account and the XXXX transfer app. I was contacted by an impostor claiming to be a Bank of America representative calling from the corporate office. Very believable since they called from the XXXX number used by Bank of America. He gave me my debit card number ( also reassured me this was real ) saying that they stopped a theft of {$540.00} at a XXXX in XXXX Texas while confirming my current address in XXXX XXXX XXXX  Stating they will be sending me a new debit card. Then saying there was a pending transaction in my savings account of {$3500.00} that they needed my assistance to stop. They gave me my current savings account balance, then said I needed to make a XXXX money transfer using my bank account app. The transfer was for {$3500.00} using XXXX being sent to myself. Heres where I missed the key to the scam. They then gave me a jumbled up version of my own name as the recipient to transfer the funds to. Once I did that the money was gone but I didnt notice until the following day. They explained that I should not use the bank app for 24 hours because it would impede there investigations into my account while they searched for the I.P. address of the offender. All while they are the offender!! I eventually called the bank fraud department only to find out its a familiar scam to the bank. To my horror then to find out the bank will not help or protect me. Since XXXX is a 3rd party app and has no protection of its own my money is gone for good! As I sit here typing and still shaking since this is money Im living off of since being on unemployment. Also, waiting to be put on the XXXX XXXX  list. Bank of America stated that they would look into this but I wouldnt be getting my money back. But theyd contact me with any information on the investigation but it could be up to 45 days before hearing from them. 
Bank of America refused to refund my money to my bank savings account. I filed a police report that was advised by Bank of America XXXX XXXX.
Product: Checking or savings account

Starting on XX/XX/year> I have yet to receive my direct deposit from my job into my Capital One Checking Acct. Capital one will need to provide some sort of timeline as to how much longer it will take to resolve this issue.
Product: Student loan

My loan servicer is MyGreatLakes. On XXXX XXXX, 2016, I spoke with a representative who advised me to apply for the repay program for my loans. During this call, he also represented to me that I would receive subsidized interest contributions through this plan. On XXXX XXXX, 2016, I submitted my application for repay. On XXXX XXXX, 2016, I called to follow up on my loan application and was informed that I did not apply for repay, was on a completely different plan, and that the information I was provided on the XXXX was inaccurate, as there is no subsidized interest contribution. When I asked what plan I was on, they were not able to identify the newly assigned plan. I was told I would receive a call back. I did not. On XXXX XXXX, 2016, I telephoned again to check on status. Still no one could identify the plan I was on or how much my monthly payments were to be. On XXXX XXXX, 2016, no one was still able to tell me the amount. As of today 's date, no one can tell me the plan and no one can tell what my next payment schedule will be.
Product: Credit reporting or other personal consumer reports

Filed a dispute according to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and the Fair Debt Collection Practice Act ( FDCPA ). I asked Equifax to provide my signature authorizing them to provide said credit report to others without my consent. Also, to remove all negative information from my Equifax Credit Reports without providing the original contract with my " wet signature '', the original credit grantor 's authorization to any debt collector for the alledged debts, and providing detailed validation of the alledged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday XX/XX/2021 the company was sent a certified letter with an return reciept attached regarding an alleged debt. 
The company has not acknowledged nor updated with an rebutt or response. The company has violated my consumer Rights under Federal law. This company has furnished my personal information to credit bureaus as well as third party debt collectors. This company also submitted detail transactions as well as factual information, which is prohibited Under 15 USC 1681- ( a ) Accuracy and fairness of credit reporting ( 2 ) an elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. According to 15 USC 1681 ( a ) and ( e ) -all investigations must include interviews with family, associates and neighbors. The company has failed to provide validity on this debt. I also mailed this company an cease and desist letter via certified mail with an return reciept included, All communication regarding this debt still hasn't been ceased nor has this company has invoked a specified remedy. According to FDCPA 15 USC 1692c ( 1 ) ( 2 ) ( 3 ) - Ceasing Communication. Consumer Law states that- if such notice from the consumer is made by mail, notification shall be complete.