23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I hope this message finds you well. I am writing to seek assistance regarding my XXXX XXXX account, which has been charged off while I was enrolled in a Hardship Program due to my financial difficulties as a victim of XXXX XXXX 

After discovering my past due account, I contacted XXXX XXXX and was informed of the need to check in monthly. Despite my efforts, I recently learned that my account had been closed due to non-payment, even though I was following the program 's requirements. {$5500.00}. 

I have also received threatening letters from Gurstel Law Firm without prior communication. I was served papers stating I would be taken to court if I did not respond. My attempts to reach them have been met with rudeness, adding to my stress. 

As a single mother of XXXX, including a child on the XXXXXXXX XXXX, I am struggling to provide for my family while relying on government assistance. The ongoing stress is affecting my mental health, and I fear for my family 's wellbeing. 

I believe my rights to fair treatment and support are being compromised. I kindly ask for your help in addressing this situation so I can focus on my family 's needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NOTICED FRAUDULENT INCORRECT AND QUESTIONABLE ACCOUNT ON MY CREDIT REPORT. THIS ILLEGAL ACCOUNT IS NEGATIVELY AFFECTING MY CREDIT REPORT AND HINDERING ME FROM BEING ABLE TO OBTAIN NEW CREDIT. I HAVE CONTACTED EACH BUREAU AABOUT THESE ACCOUNTS NUMEROUS TIMES AND THEY HAVE FAILED TO PROPERLY INVESTIGATE AND REMOVE THIS ACCOUNT. THEY USE DIFFERENT STALL TACTICS TO AVOID MY DISPUTES. I DEMAND THESE ACCOUNTS DELETED FROM MY CREDIT REPORTS IMMEDIATELY. IF THESE BUREAUS EXPERIAN XXXX AND XXXX  CONTINUES TO VIOLATE MY RIGHTS I WILL SEEK LITIGATION DUE TO THE CONTINUED XXXX  THEY HAVE CAUSED ME
Product: Debt collection

Im not sure why Im getting letters in the mail stating that Im owing money when I have insurance that covers it. Also so does my son. Im getting charged XXXX for XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I began disputing these items with the Credit Bureaus on XX/XX/XXXX. I sent follow up letters on XX/XX/XXXX and XX/XX/XXXX. I believe the public records reporting on my credit report are not reporting accurately nor or they in compliance with the FCRA and FDCPA.
Product: Money transfer, virtual currency, or money service

A bank draft payable to me was deposited into a Citibank account fraudulently. It was likely stolen from my mail. The bank draft was addressed and payable to me to reimburse me for vacation expenses by my friend a XXXX customer in XXXX. 

The account the draft was deposited in Citibank is not mine and not associated with me in anyway. Citibank did not verify the draft payee and allowed the payment to be drafted from the XXXX account. 

Citibank is liable for accepting this draft that had been altered and improperly endorsed by someone that is not me. I visited a Citibank branch in XXXX today XXXX and a Manager told me that it is not their responsibility which can not be correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Experian refused and ignored the request to provide me with documentation that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify the accounts, under Section 611 ( 5 ) ( A ) of FCRA they are " required to promptly delete all information which can not be verified. '' Please resolve this matter as soon as possible. Thank You
Product: Debt collection

I spoke with the Attorney today, advising him that my situation remains the same. I earn about $ XXXX/yr. However, I did try to continue paying the $ XXXXmo payment that the firm agreed I could pay for 6mths since I couldn't afford the {$110.00} that they originally said I had to pay. However, when I called the office to pay the {$40.00}, the Receptionist didn't accept it, she said she would have to speak with the Attorney there. I advised the Attorney of my situation and that I could not start making payments of {$110.00} and he said that's what you agreed upon and I will proceed with the judgement. I advised him that I agreed upon that price because for one, he sent a court order to home about garnishments and taking my home. And second I thought I would have a better job and had no idea we would be faced with a global pandemic and lock down and having to homeschool. I feel that this Law Firm is not fair and not empathetic to the plight of others, especially low income minorities. 

This is the letter I sent to the law firm. 

Dear Mr., I spoke with you last year regarding my financial situation and advised that I could not afford to pay the {$110.00} and I appreciated you working with me and accepting {$40.00}. That worked out very well for me as I was able to make these payments on time every month. 

My circumstances have not changed much. My husband was the primary earner in the home, but he has now been XXXX by a mental health issue and can no longer work. I have to take care of him as well as my XXXX yr old son, who needs constant supervision because during the pandemic he started showing signs of XXXX and XXXX XXXX XXXX 

With all of these trials going on in my life, I have had to lessen the amount of hours that I work and due to the fact that I was a stay at home mom, I am not earning a whole lot, in fact our income is far below the poverty level. Even with this being the case, I am still trying to pay my creditors something, while we also have to pay for food, mortgage, car and medical insurance, and the basics. 

I am asking you to please understand my situation and to be empathetic as my other creditors are. They are all allowing me to pay from $ XXXX {$50.00} indefinitely and they do not bully or threaten to take me to court every 6 months. I'm sorry for the harsh tone but I feel that this is the situation with your firm. I am doing the best that I can, trying to take care of my family and pay my debts that I have made, but I just don't have what you're asking. I am not sure what more I can do. If you won't accept a smaller amount of {$40.00} or {$50.00}. I will have to speak with the Judge, or get an attorney through the NAACP or reach out to XXXX XXXX XXXX as well as the Federal Trade Commission or make a direct call to XXXX XXXX if I have to because this is causing me real anxiety when I am doing the best that I can with what I have. 

Thank you for your consideration,
Product: Debt collection

I was contacted by XXXX XXXX. She stated I had a debt with XXXX XXXX XXXX, for a loan I took out online in XXXX. I told her I do n't remember taking out a loan during that time and asked her to mail me a copy of the paperwork. She stated she can email me but can not mail it because it force a wage garnishment against me. She emailed me the paperwork on XXXX/XXXX/XXXX and I pulled my credit report. This company is not on my credit report and I called XXXX today and made a dispute about this bill and she informed the bill has gone back to the original creditor. I told her I wanted the paperwork mailed to me and she claim she will. I do not owe this debt nor have I taken out a loan with company. Also, on the email link she sent me, another name was on the email, Rosen Management Services. I do n't know who they are either. It is scary how they received my personal information.
Product: Checking or savings account

On XX/XX/XXXX I opened Checking and Savings accounts with Chase. I attempted to transfer {$2000.00} to the accounts to meet their minimum balance requirements to avoid paying fees. Both account were soon closed. I went into a branch to ask why, but the banker told me he could not give me any information, just that, " at this time Chase has chosen not to do business with you ''. 

On XX/XX/XXXX, I saw that Chase was doing a promotion where you will receive {$200.00} if you open an account and receive a direct deposit within 90 days. I decided to apply for a Checking account with Chase again. I received a message saying " we can not open account for you at this time with the information you have provided. '' On XX/XX/XXXX I went into a branch to ask for help. The banker called the " back office '' to figure out why my accounts were closed. The banker told me that it was because the account I had initiated a transfer from was not in my name. My bank account was opened when I was a child, and was a joint account with my mother. I emailed the banker a statement showing my name on the account, and I was able to open new Checking and Savings accounts with Chase. 

On XX/XX/XXXX I transferred {$300.00} into the Savings account to meet its minimum balance requirement without fees. 

On XX/XX/XXXX I tried to log into Chase 's mobile app to set up direct deposit to my Checking account, but I received a message saying my account was suspended. I called the banker I spoke with on XX/XX/XXXX for help. He called the " back office ''. The banker told me the checking account was being closed, but my restriction had been lifted and I could now sign in again. He recommended I try to open a checking account again. 

On XX/XX/XXXX, I opened a new Checking account. 

On XX/XX/XXXX, I tried to log into Chase 's mobile app but I received another message saying my account is suspended. 

On XX/XX/XXXX, I called the banker to ask why my account was locked. He told me he did not know, and to call the number ( XXXX ) XXXX. After staying on the line for 43 minutes, I was told they do not know why my account was locked. The rep lifted the restriction, but told me that my checking account would close and to open a new one. I said I have gone through this process, and asked what guarantee I have that the account won't be closed again in a few days. The rep said they can not say.
Product: Debt collection

I received a collection notice from XXXX NCB MANAGEMENT SERVICES in the amount of {$3400.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ; once signed on line 15 USC 1681 ( a ) ( 4 ) Infringed upon a consumer rights to privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

accounts have been paid, and its not showing updated information, showing account is still negative, and current amount is not accurrate, multiple request since XXXX, XXXX, XXXX of 2017, has been denied, stating i already disputed and there refusal to update and investigate and put accurrate information due to their policy. 
XXXX, XXXX, XXXX, reporting false information on amounts, dates, and stauts of acccount. 
navient and XXXX account XXXX, XXXX, and XXXX item will remained unchanged from our processing of your dispute in XX/XX/2017 and not to dispute again.
Product: Payday loan

Lender WLCC XXXX/DBA Arrowhead Advance is charging interest rates in excess of State of Hawaii lending regulations. WLCC XXXX is a company registered in California with XXXX XXXX listed as its CEO/CFO and the sole Director. Additionally WLCC XXXX has a mailing address for payments in Delaware where it is hiring loan processors. Additionally a XXXX search of XXXX XXXX shows his involvement with the XXXX that more then likely gets a tiny portion of the loan with a substantial amount of the loan going to WLCC XXXX. 

WLCC is not a licensed lender in Hawaii. WLCC XXXX is using its relationship with the XXXX XXXX XXXX to avoid state lending laws by taking advantage of the XXXX sovereignty. Considering that WLCC XXXX is a California registered company, and has loan processing and payment operations in Delaware it is not a true XXXX.
Product: Checking or savings account

My son was a victim of identity theft with CitiBank where they wired {$4700.00} from his account after they deposited fraudulent check via the ATM. 

On CFPB Complaint # XXXX they responded that they see that we were victims of identity theft but they couldn't honor it because they never received the affidavit timely. 

Here 's where they lied, please review CFPB Complaint XXXX and you see that the affidavit is attached to that case it was also notarized and faxed to CitiBank Wire Fraud department directly, where I spoke with a CitiBank Representative that they confirmed that they received the notarized copy in XXXX of XXXX 

I feel that we're being XXXX profiled by this bank and that's the reason why they won't honor that {$4700.00}, on top of tarnishing my son XXXX XXXX XXXXXXXX XXXX bank reputation and placing him into XXXX XXXX 

Please see the proof that's attached.
Product: Money transfer, virtual currency, or money service

My account was not working normally so I contacted them. I received an email on XX/XX/XXXX from support after contacting them for help. They told me my account was closed and are not replying to my questions. I have not done anything out of the ordinary in the past few months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX on XX/XX/XXXX via and requested that the inquire from XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX, along with XXXX XXXX dated XX/XX/XXXX be removed from my credit report. I was informed by XXXX that I needed to contact the companies directly. I informed them that these inquires took place when the freeze was removed from my account, and it was no made by me applying for XXXX XXXX card, I already have one with a 13k limited and was not looking to refinance my home, my current interest rate with XXXX XXXX is 3 % and I did not authorize either company to pull my credit report for any reason. But, I was still told to contact the companies. Due to the pandemic I had no luck with connecting with the mortgage company XXXX XXXX that could help me during this time. With XXXX card, I spoke with someone and the lady said she would send the information to the fraud/investigation department, because I only became aware of the inquire in XXXX due to the denial letter I received in the mail, I never received anything regarding the XXXX inquire. I received a letter from them stating the inquire would be removed and they would contact XXXX, but it was only for the XXXX inquire, I also received a letter stating they would remove the XXXX inquire and they would only contact XXXX. Please review the attached letter for XXXX and XXXX inquire.
Product: Debt collection

I created an account to monitor my credit and was surprised to see a collection from diversified service for city of XXXX which dropped my score significantly. This collection was paid in good faith with the understanding it was to be deleted from my credit profile with each bureau. I would like this collection deleted due to erroneous collection tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continue to report false information on my report - I have been trying to work with Experian for weeks now and have exhausted all options trying to resolve this matter. PLEASE HELP ME
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth attempts to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, delete the noteworthy of any information in my credit record that came about due to an alleged fraud : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$94.00} ; XXXX XXXX XXXX Balance Owed : {$3400.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$94.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$540.00} ; XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$94.00} XXXX XXXX XXXX XXXX Balance Owed : {$3400.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Bank account or service

This complaint is against US Direct Express. The website is constantly down and many people are constantly having trouble accessing / using their money via debit card. I am deaf and can not call to complain but per many users on various websites, the phone lines are also constantly down. If this company can not do a better job then the US Treasury dept needs to find another company to handle our SS and XXXX payments / money. I live on {$1100.00} XXXX per month and I am always out of food by the next check so if I can not access my money then I go hungry. This is not right. I have bills that I need to pay online but can not access my money so I end up paying late charges. There are problems every single month. Google " problems with US Direct Express '' and you will see that there are thousands upon thousands of people who have the same problems / experience I have every month. The poorest of the poor are being denied access to their only pitiful little source of income. For some this can be a life or death situation. It is time someone did something to fix the problems.
Product: Payday loan, title loan, or personal loan

I purchased a central air conditioning unit from XXXX XXXX XXXX with my Home Depot credit card. XXXX XXXX XXXX  is the company Home Depot uses. I made this purchase on XXXX XXXX, 2016 from a sales person sent to my home. The unit was installed on XXXX XXXX, 2016. The price was {$9400.00}. After the installers left I noticed the air coming into the bedrooms was hot air so I called them to come back. They came back the next day and said there was nothing wrong with the unit. I did find out later from the gas company that it had been hooked to the furnace when they installed it incorrectly. Evidently, on one of their trips to my home they got that part fixed but, it still did n't cool as it was suppose to cool. I was told by the salesman XXXX that he had given me an estimate to replace the duct work. He never even mentioned nor gave me any estimate of duct work. He then said, " I have been in this business long enough to know how to protect my XXXX ''. He said he would not help me and then hung up on me. I contued to call them and called Home depot as well. In XX/XX/XXXX I became very ill and had ungone XXXX XXXX. I was not able to continue calling these people. Then I had another XXXX XXXX on XX/XX/XXXX of this year. At this time the heat began to get higher so I called Home Depot. They said the prblem had been resolved and XXXX XXXX XXXX had replaced the duct work. They had never done that. Finall about a month ago they came in and replaced a portion of the duct work but, now the temperature has a variance of 7 to 10 degrees different in the bedrooms from what the thermostate is set at. I 've called Home Depot again and they said they no longer deal with XXXX XXXX XXXX so there is nothing more they can do. I have called XXXX XXXX XXXX and they will tell me they are sending out someone but, they simply do not show up. I have told Home Depot that I will not be making any further payments until this is made right. No one is doing anything and I believe the price they sold this unit for should be cooling the home.
Product: Prepaid card

XXXX XX/XX/2024 : I purchased a {$50.00} American Express prepaid card from XXXX in XXXX, XXXX XXXX. I then visited the XXXX website to confirm the card balance but the website just kept hanging on the page requesting the card information. I tried several times later but same result! I attempted to use my prepaid card to pay {$40.00} cellular bill but it declined! I called American Express but their customer service is an automated voice and could not get hold of a real person.
Product: Debt collection

My name is XXXX XXXX XXXX, a federally protected consumer, and I am submitting this complaint on my own behalf, without any connection with a third party. I am submitting this complaint against Gurstel Law Firm , P.C . for committing identity theft. I have never given Gurstel Law Firm , P.C . permission of any kind to use any of my identifying information, and as such, they have committed mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with U.C.C. Article 9 that the assignment of a defaulted note is illegal. The assignee and assigned are liable for violations under 15 U.S.C. 1692e ( 12 ). I am legally refusing to pay this debt via the rights granted to me under 15 U.S.C. 1692c ( c ). I am demanding a cease and desist of all illegal activity, and any communication and collection activity, of this alleged debt and any other alleged debt until Gurstel Law Firm , P.C . can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced, and Gurstel Law Firm , P.C . continues its collection efforts, I will file for litigation for damages caused, and Gurstel Law Firm , P.C . will be held criminally liable for aggravated identity theft pursuant to 18 U.S.C 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of this notice, Gurstel Law Firm , P.C . is hereby notified pursuant to U.C.C. 1-202f. Your prompt attention and response to this matter are both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to freeze my credit report with Experian in XXXX. I unknowlingly signed up for a paid membership by requesting their " credit lock '' product and was billed {$9.00} on XX/XX/20 and {$19.00} on XX/XX/20. After cancelling my account online and calling Experian customer service on XX/XX/20, I received a refund for {$9.00}, but not the {$19.00} charge in XXXX. I was also again charged in XXXX for {$19.00} on XX/XX/20.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.