23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX I opened a business for my husband at that time XXXX XXXX XXXX We had XXXX employees so when filing Annual report, indicated XXXX Comp not required. My husband and I divorced in XXXX. In XXXX there was some communication from the State regarding workmans comp. My ex husband was no longer do business with XXXX XXXX, he was XXXX XXXX XXXX and provided the state with the COI they requested. 

In XXXX my XXXX account was depleted and I called XXXX and they said it was a debt collection from XXXX XXXX XXXX.???????? I live in XXXX XXXX. 
This company called me and said i owed {$150000.00} for non proof of XXXX XXXX. I make {$400.00} per week and can not nor will ever be able to afford this. 

PRESSLER , FELT & WARSHAW , LLP ATTORNEYS AT LAW 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  This was my ex husbands business and has since been dissolved. They sent me a letter, attached saying they would take {$7500.00}. I countered with {$300.00} and they scoffed. I just think I am being extorted. 

I hope you can help kind Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a new car from XXXX XXXX XXXX in XXXX of this year. I never got a bill from them until XXXX and this bill was a notice of default. My only guess as to why I never got a bill is because my home at XXXX XXXX XXXX west where the bill would come to was under construction due to a major house fire causing the mail to get forwarded to a post office box. I can only assume that the mail was returned to XXXX by the XXXX. I went to the dealership who told me that XXXX would reach out to me by phone or email, both of which they have. I was never contacted of about the bill nor was I aware of the account number and had no way to pay. To make matter worse I didn't even know who to pay. I have made 6 phone calls to them placed one credit dispute all to no remedy. My pristine credit score took a XXXX point drop because of this late payment being reported. I am in the middle of refinancing my home and this will cost me more than the cars value. 
I have 13 active credit accounts and only 1 missed payment. This one. the company is unwilling to communicate with me to correct and the dealership says they have no way to help me.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Vehicle loan or lease

I am so hurt and disgusted by XXXX/Bridgecrest. I was 28 days past due on my car loan payment and I intended to make a payment before the 30 days past due mark. I called in on the XX/XX/XXXX to make a payment but my phone call was interrupted by an incident in my home. The XX/XX/XXXX is when I became a victim of XXXX XXXX. I was XXXX and had to run from my home. I called in a few days later to make a payment and when I did, the representative said that there would not be a penalty other than a late fee but there would not be a late payment reported on my credit report due to this circumstance. A week later, I checked my credit report and a late payment was added to my account after I was already told that I wouldn't be penalized. I called in and asked why this happened and the 2nd representative told me that the 1st rep meant something different. The 1st rep was very clear in saying that if a payment was made the day that I made it, there would be no reporting of late payments to my credit report. The 2nd representative said that was a lie and refused to forward me to a manager. I FEEL LIKE I AM BEING PUNISHED FOR BEING A VICTIM OF XXXX XXXX. I also contacted them by way of email, explaining the situation and hoping I would get a call back and I didn't. I even offered to send the copy of my police report to them to show that it was not a made up story and they handled me terribly. Now this is hurting my credit and has severely lowered my score. I can not get an apartment or anywhere to stay due to my credit score dropping and it's affecting both me and my XXXX year old child who is also a victim in this situation.
Product: Money transfer, virtual currency, or money service

On  XX/XX/2017    @   XXXX   I sent {$40.00} to my daughter via Walmart  money gram . When she went to get the money, they would not let her have it, they told her she was not old enough, she is  XXXX . I called the  XXXX  number provided by Walmart to have the name changed, they would not do this.The man then cancelled the transaction and told me it would be  XXXX  business days before money was refunded to my card. The total of {$40.00} plus {$5.00} fee. This is outrageous, no where on site does it specify age. He then said I could not use the money gram site again. I need that money now for my child. The reference # is  XXXX . Any help you can give me would be greatly appreciated.
Product: Mortgage

Evidence of insurance coverage placed letter sent in mail 3 times called several times unable to get ahold of anyone finally got ahold of someone after 2nd letter in which the representative stated that home insurance coverage lapsed because they never received a bill from the company. I had no idea this had happened until months passed. 

Formal insurance was obtained on my behalf as soon as I learned of the situation. Speaking with the representative she informed me to fax over the declaration page showing that homeowners insurance was in place and to put a note with it asking them to pay the premium from my escrow, which I did the same day. 

The representative informed me that this would be paid out and any monies remaining in the escrow would be sent to me in which I would have to mail directly back to the escrow department. 

Although everything was taken care of on my behalf I have not received any answers or a check. 

Fast forward to the beginning of the year XX/XX/2022. I receive notice that my mortgage has now increased over {$350.00}. I have spoke with one person who basically stated that we were basically awaiting for the mortgage to be re- analyzed. I have yet to get an direct answer about the situation at hand after leaving several voicemails and being kept on hold hours at a time. 

In the letter stating that my insurance has increased it also stated that my escrow was deficit, but at the same time the force placed insurance has already been refunded.
Product: Student loan

Hi, I have filed complaint a few months ago regarding NAVIENT my student loans that recently rolled over to XXXX XXXX. But that was for my Dept of Education loans. My problem with Navient right now is, they were supposed to transfer all my loans to Aid Advantage, but they are telling me only Dept of Education was transferred to Aid Advantage. There is a pending payment of {$1400.00} in my Navient account now that they want me to pay. They are telling me this is private loans from XXXX XXXX  XXXX XXXX that I attended. I never got private loans from that college. They do not even offer that type of loans except FAFSA. So back on XXXX  I paid {$3500.00} fully paid for that college. None of the loans company recall I paid such a thing nor can not see this amount has been paid. But I took a screen shot of that before Navient transition to XXXX XXXX. I do not understand what is this {$1400.00} amount that Navient wants me to pay came from and which loan it is and they keep saying if Private loans from XXXX XXXX  XXXX XXXX! This doe not make sense to me! They are keep changing stories. I do not even owe them nothing and they are charging me interest already on top as well! This company is full of corruption and they have no idea what is going on. I spoke with aid Advantage as well and they told me Navient is the blame. I am like ok, I will contact you guys to be investigated. Please help me understand what is going on as I am about to get a lawyer if no results come out of this as these seems to be so corrupted to me. 
Please advise. 

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

My credit score was XXXX I was told I was pre-approved for a XXXX  XXXX XXXX XXXX And if I applied my credit score wouldn't be affected. I was denied by XXXX XXXX and immediately my credit score was effect. My credit score drop down once I was denied. It even reflect on my credit score which I been trying to dispute with credit karma and still no resolution. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly a collection on the XXXX partial account number XXXX in the amount of {$12000.00}. ( Please see pages 36 and 37 of the attached credit report. ) These student loans have been consolidated and therefore not be reporting on my credit report. This incorrect reporting is harming my credit score and these line items need to be removed.
Product: Checking or savings account

I have direct express which my XXXX is deposited, The government says they deposited my stimulus but direct express never made those funds available. They have lost money by not transferring it to the next month statement. I have called them several times and have gotten no were they have hung up on me or made me wait on the phone for almost 2 hr only to hang up on me again. 
They are fraudulent-
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified about an XXXX account on my credit report from my mortgage banker who pulled my credit in XXXX of XXXX. I knew of this account because I disputed it not only once, but twice, with screenshots/attachments from my account with XXXX, stating that the account was paid off. However, to my surprise, Experian sent me the results of the first dispute which was submitted XX/XX/XXXX ( document 1 ) stating that : The company that reported the information has certified to Experian that the information is accurate Of course being surprised by the certification that Experian received from XXXX that was obviously untrue, I re-disputed the XXXX  account and added the screenshots/attachments to the dispute showing the account number and the balance of {$0.00} ( Document 2 ). Now surely with the provided evidence of the XXXX purchase at {$0.00} they will grant the dispute and remove the account. Yet once again, to my surprise, the second dispute results also stated : The company that reported the information has certified to Experian that the information is accurate. ( Document 3 ) Being that Experian told me that the information of the aforementioned account was certified to Experian to be accurate, I then chose to contact XXXX, to see who is certifying this information as accurate. I spoke with someone who confirmed what I had been suspecting ; the person who was in charge of both of my disputes, never contacted XXXX to investigate the dispute. I received a statement from XXXX, stating that the account is in fact at a zero balance. ( Document 4 ). 

I then was told by an XXXX representative that after their own investigation, the account was first reported as a charge off, but was then reported as paid off on XX/XX/XXXX. ( Document 5 ) This was sufficient evidence for me to come to the conclusion that the employee/employees at Experian, did not do their due diligence, but in turn, could have effected my purchase of a new home for my family. I wonder how many of consumer disputes has this person/people just certified as being accurate, without actually completing an investigation, which is my federal right according to the Fair Credit Reporting Act ( FCRA ). The credit reporting company, in this instance Experian, MUST take certain steps, in order to investigate a consumers dispute per the FCRA. These steps were obviously not taken in this instance.
Product: Debt collection

Received letter on XX/XX/23 and the letter is dated XX/XX/23 stating notice of legal action. 

I called the collection agency ( XXXX collections ) on XXXX XXXXXX/XX/23 and spoke to XXXX at ext. XXXX asking to make a payment arrangement of {$250.00} and he advised he can't set up an arrangement because its past the date and will move forward with legal. I advised him that the letter states I can set up reoccurring payments but yet he is telling me I can't. He then asked of my husband 's place of work and I advised him absolutely not. asked him about the legal part of the letter and he said he can't discuss anything he can only take a payment. All he was saying is " hmm hmm '' and : ok : and was being very vague. I asked to speak to someone higher up than him which was XXXX XXXX which she was unavailable and I left a message. I told XXXX he cant not harrass us at our plaace of work so I will not be giving him the location. I also told him this is the first letter I received so I was I supposed to take care of this sooner if I have not received a letter, but he said they have sent several letters and left voicemails on my husband phone which he has not received. I am asking the appropriate questions and they arent giving me any information other than I need to pay immediately and if I dont then the legal action will just move forward
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following companies have violated my rights : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have 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
Product: Credit card or prepaid card

We received a letter from a collection agency saying we could settle our credit card balance for a lesser amount. I received the notice on XX/XX/2020. It said they had to receive payment by XX/XX/2020 or the offer was void. I tried to call but was put on hold for over an hour and had to leave. I mailed a check on XX/XX/2020. It went through our account a few weeks later. Then, I received another bill from the credit card company showing the amount we paid as just a payment. I wrote on the bill what had happened and asked them to fix it. We never heard from either company but kept receiving bills. I called the credit card company. They said I had to fix it with the collection agency. I called them and was told they received the payment too late. This is unfair because their letter making the offer was dated on XX/XX/2020 with a deadline to receive payment by XX/XX/2020. Accounting for mail, it should have been longer. Also, we did attempt to pay by phone first without luck and then mailed the payment before the deadline. We don't control the mail service or when it would have been received.
Product: Credit reporting, credit repair services, or other personal consumer reports

A hard inquiry was submitted by XXXX XXXX XXXX XX/XX/2020 which I never authorized. I have called XXXX XXXX XXXX and Equifax multiple times to correct. The XXXX XXXX XXXX rep verified there was no reason for the hard inquiry and for me to request Equifax remove it & ask for a ref # to give to XXXX XXXX XXXX. The Equifax rep refused to submit the dispute she said the lender needs to do it. I advised the Equifax rep XXXX XXXX XXXX informed me to dispute and request reference #. The rep told me I will have to wait 2 years for it to drop off or I should file a police report stating fraud. I will not wait 2 years & I will not file a false police report stating fraud b/c I dont know if someone accidentally typed my ssn for inquiry since no actual account was created. I asked for an Equifax supervisor and after I held 15 minutes Equifax dropped or released the call. Equifax has denied me the right to dispute an inaccurate inquiry in which Equifax can verify with XXXX XXXX XXXX I didnt authorize. 
I filed case # XXXX with XXXX XXXX XXXX rep XXXX in TX for verification although his dept cant call Equifax.
Product: Checking or savings account

I opened a Bank of America Advance Plus Banking Checking Account on XX/XX/2019 with the following offer : XXXX : XXXX which says I am to receive a {$300.00} bonus after {$4000.00} in direct deposits within 90 days. My employer deposited {$2300.00} on XX/XX/2019, {$1900.00} on XX/XX/2019 and {$2400.00} on XX/XX/2019. So within the 90 day period I had well over the required amount of direct deposits. The offer also reads that within 60 days of satisfying the requirements the {$300.00} bonus should post. I satisfied the {$4000.00} deposit on XX/XX/2019 so I would expect the {$300.00} by the end of XXXX, 2019. I called in XXXX to get a status update and I was told I would get an update in 60 days from then. Today is XX/XX/XXXX and I called Bank of America and I was told the back office is still looking into it and to call back every few weeks to check. I told them I'd file a complaint because I refuse to wait longer.
Product: Checking or savings account

I opened a MONEY account for my baby sister who was XXXX at the time to help her learn how to manage her money. She hasnt lived with me since XX/XX/XXXX. Recently the account went into a huge negative, {$4900.00}. Causing the bank to place all accounts on hold. My personal checking, savings, my XXXX old sons MONEY account, my XXXX old nephew savings and my husbands checking. I contacted Capital One the next day and asked to be removed from the acct and was told I couldnt be due to the balance. I explained to them that I shave no idea where my sister is and had been trying to get in contact with her to see how she intended to fix this and was told that Im responsible for repaying this debt. This account in particular has NEVER received a deposit for more than $ XXXX/mo but they allowed 4 FRAUDULENT checks to clear without making any contact with me but now want to hold me responsible for. I could have advised them to at least hold the checks to make sure they clear The young lady also explained that she had me on hold for soling to make sure I had NOTHING to do with wherever scam my sister was involved in. She advised me to file a police report but the officer said my sister would have to be the one to file it since the checks were written to and cashed by her. Bc my family last told me thst she wasnt working and was not looking to do so. Im a single mother, whos divorcing her husband and trying to continue to feed my son and keep my job. Ive made several attempts to reach out to her and its all been a dead end. Please help me!!!! I can not afford to pay for a debt I didnt make on my own. I also have the images provided by mail for all of these at home ... I can provide these as well if needed. Ive also been attempting to get in contact with their Customer Resilience Dept but due to my work schedule and their hours ... Ive had no luck.
Product: Checking or savings account

I disputed a purchase i made at food 4 less. Super market the bank declined on. Reimbursing me with the funds. That came from my finances $ account. No good cause or legitimate explanation was given to me.The items i tried returning. I do in fact have a receipt in my possession.
Product: Credit card or prepaid card

Hello - I am filing complaint against American Express for not issuing check on time for the positive amount on my account. I filed the request on XX/XX/17. When contact, they just keep creating new cases with 7 day response time.
Product: Credit reporting or other personal consumer reports

This my refiling of complaint to EQUIFAX for still allowing fraudulent accounts on my credit report. As I checked my recent credit report again I still see these fraudulent accounts are reporting on my credit report and no further actions have been taken and they are not taking seriously this matter. I have filed an FTC report which I included here with report number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act TRANSWORLD XXXX XXXX account number # XXXX, XXXX XXXX XXXX  account number # XXXX, XXXX XXXX account number # XXXX & XXXX account number XXXX has violated my rights. 

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
Product: Checking or savings account

Citibank is not properly posting transactions and processing deposits. As you can see from the photograph evidence they post transactions as available on the banking ledger before they are actually available, which is false and fraudulent. 

On several occasions they posted deposited funds as available on the ledger and show transactions being withdraws from the deposits then return the funds for insufficient. At the same time they hold the deposited funds for an excessive period of time on the online account without a date of when funds will be available. 

This repeatedly happens over and over where deposited funds show available on the ledger. If they are not available then why show they are available on the ledger? If the deposits are still being processed then why not give a date when they will be available for withdrawal and use? 

This is fraudulent and illegal banking practices. You misrepresenting deposited funds. The funds are not available then they should not show as available on the ledger. 

On XX/XX/2023 a {$190.00} deposit shows posted on the banking ledger ( see attached evidence ). On XX/XX/2023 the funds show post on the banking ledger ( see attached evidence ). If these funds are posted, with no indication that they are being held or the true date of availability, then by law they are available for use and for transactions coming in. If they are not available for use then Citibank is FALSELY, FRAUDULENTLY, and DECEIVING CUSTOMERS by doing this. 

For months Citibank banking practices and posting behaviors have made it increasingly complicated to pay my business loans. They are incurring purposely doing this to collect funds from other banking instructions which are passed onto me for fees. 

Further, this type of posting is very deceptive for someone such as myself on the XXXX spectrum. This not truthful and a lie. It confusing customers, and I know I am not the only one. 

Citibank needs to clean up their act, and ensure that they are truthful and transparent when posting transactions, transparent on when the funds are available, and transparent to customers on how they handle deposited funds. 

I have submitted the ledger shown on my online banking which backs my claim. 

I guarantee this is a lawsuit waiting to happen as someone will legally pursue such behaviors on a class action. Ive seen banks practice such behaviors before and the results were they lose their lawsuit and payout. 



On top of that Citibank makes it increasingly hard to get customer support. They highly emphasize using the automated system, and when you request to speak to a person to talk about your checking account they forward your calls to XXXX speaking customer service. The customer service agents have a terrible VOIP connection where you cant understand them and the calls are botched.