23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I started working with XXXX in XX/XX/year> as she was trying to collect a debt in the amount of XXXX from the XXXX XXXX  I asked for a copy of the ledger as they were saying that part of it was prorated rent, but I had stated that I paid XXXX and some change and asked if they could look into it. I was unable to find a copy of the receipt however I did provide a copy of the statement showing the amount being paid to driftwood. 

I asked her to respond to the email in XXXX so that I knew that she received a copy of the statement but never heard back and so I reached out the fifth and still never heard back when I attempted to call in they would state that theyve already looked into it and the balance owed is whats owed. I then asked for a copy of the breakdown for the ledger as well as where the XXXX went as I did go onto the XXXX website and pay the prorated rent and utilities that were due at move out each time. I called at XXXX as that was when I was available after work it was always they would send it the next day as they close at XXXX and I would check my email and would never receive anything. There was a notification eventually in XXXX that this was sent to collections and then I started to receive a call from XXXX XX/XX/XXXX. I spoke with him and let him know all of the information previously and he asked me to resend the statement as he would look into it. 


We then scheduled an appointment that following Monday at XXXX so we could go over next steps he never called and ended up calling that Tuesday around XXXX. I text him asking him if he had a breakdown or if he had reviewed what I had sent him but that I was also at work and I never heard back. I called today, XX/XX/XXXX And he said that he was just about to call me at XXXX and when I asked him if he had reviewed the statement he had not, and could barely find the email and then reminded him of what happened with XXXX and let him know that she may have already looked into it and again asked for a copy of the breakdown at which point he transferred me to his team manager.

The team manager and I went back-and-forth as I explained to all of this and he stated that he would send me a copy of the breakdown as I wanted to be able to do the math when we got off the phone. I received an email just showing the amount but not the breakdown And then was told that I would need to make a payment the next day or set up a payment plan otherwise it would be sent somewhere else since this account has been active since XXXX, which doesnt make any sense if it was already sent to collections. 
I had also reached out to the driftwood apartments prior while I was working with XXXX and they told me that they would send me a copy by email, but that I should also have received something by mail and at this point I had already been moved out for a few months so I checked my mailbox and there was nothing there was unable to get a hold of driftwood again
Product: Credit reporting, credit repair services, or other personal consumer reports

My Identity was stolen in two-three data breaches and has been used open credit cards. I signed up for credit monitoring that was offered because of the breaches. When reviewing my credit reports there were credit cards from CITI bank that were opened due to identity theft. I notified CITI. Made a police report. Added a fraud alert on my credit reports. I sent Citi bank documentation multiple times via certified mail which has been received and the signature card returned to me that validates I am a victim of Identity theft. 

Citi bank as of today XX/XX/2022 which is over a year I have been trying to correct this horrible act has not removed the accounts that were opened in my name with my social security number from my credit report. I have called CITI numerous times with no resolution and I am brushed off. I have requested documentation pertaining to the accounts listed on my credit report multiple times. Finally, I received documentation from CITI bank that also validates the accounts on my credit report that CITI is reporting as in default and charged off are not my accounts and CITI continues to report negative information to all three credit agencies. 


The paperwork that I received from CITI bank allowed the use of my identity that was stolen to open credit cards and commit this horrible act that is causing my credit and health to be abused because Citi bank continues to report negative information to all three credit bureaus. Attaching are documentation I received from CITI bank that verifies that my identity was stolen. The papers I received from Citi bank were two packets in one envelope one packet has a top # XXXX have multiple credit accounts attached. The next packet is labeled # XXXX. I have attached the police report that confirms that this has been reported to the police department. All the attached documents have been sent multiple times to CITI bank and they continue to disregard that I am a victim of identity theft.Citi Bank has tarnished my credit and this needs to be addressed now and corrected.
Product: Checking or savings account

I have signed up with US Bank for the following checking account promotion : Earn {$300.00} when you open a new Platinum, Gold or Easy Checking account and complete two or more recurring direct deposits that total a minimum of {$2000.00} and enroll in eStatements within 60 days of account opening I have completed the terms by XX/XX/XXXX ( posted 2 direct deposits of more that XXXX and enrolled in eStatements ). 

I have not received a bonus yet. I have contacted US BANK on XX/XX/XXXX, asking them where my bonus was. I have received the following response : " Hello XXXX, Thanks for reaching out about the bonus funds. My name is XXXX and I feel the desire to know when the bonus will be paid. 
I looked over the account and do see a promo code attached. However, the code that is attached is for a promo that ended on XX/XX/XXXX with different requirements than what you mentioned below. 
I did find the promo you referenced below. This promo started on XX/XX/XXXX. As the account was opened on XX/XX/XXXX, sadly you do not qualify for either promo. This means the {$300.00} bonus will not be paid. I apologize for the inconvenience this may cause. '' I did, in fact, signed up on XX/XX/XXXX, from US Bank 's promotional page. I will even received approval letter from them on XX/XX/XXXX. I will attach it to this complaint. 

US Bank is acting shady and is not being honest and straightforward with me.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX a credit limit increase was requested to US Bank. However, there is no indication that a HARD PULL of my XXXX XXXX would be conducted. Upon seeing the hard pull on my credit, I immediately called US Bank Customer Service to request a reversal. This was not granted. When asked why a hard pull was conducted or why there was no communication about the process, the Agent directed to me to a non-existing notification of the policy.

This should be made crystal clear as a hard pull is damaging to credit scores. This is a predatory practice that must cease.
Product: Debt collection

The service provider stopped providing services and i put a complait against XXXX in Utah. They lured me into getting a loan from them but the service was not provided. i stopped making payment due to the lack of delivery of services.They keep on calling me and harrasing me. They also have put a derogatory mark on my credit reports and due to their mark my credit score has dropped
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts I am not associated with, i do not have any contractual obligations to either one of them, due to the fact that the contracts were cancelled. The following accounts are ( 1 )  XXXX, XXXX, for {$680.00}, ( 2 ) XXXX XXXX XXXX, XXXX, for {$230.00}, ( 3 ) XXXX,XX/XX/XXXX, for {$1200.00} .., No Contract!!, and within the laws of the FCRA, one must  delivered physical documentation of these accounts if not then the reporting agencies should remove them immediately.
Product: Checking or savings account

On Monday XX/XX/XXXX I received a check from my previous apartment complex. I did a mobile deposit in the amount of {$1000.00}. I noticed the check did not clear immediately so I allowed it time to clear. the following day XX/XX/XXXX I logged into my bank and seen my checking account said access blocked I immediately call citi bank and they are stating the check is fraud because the address on the check does not match the one on file. I have given them the number to the company that issued the check and they said they cant call unverified numbers. the number given is the exact same number on the check. On XX/XX/XXXX I asked the company that issued the check to call citi bank and verify the check I was then advised by the company they successfully verified the check with citi bank. I then called citi bank and they said they still cant verify the number that called them so therefore they will not be giving me access to my funds and closed my account. the check is a valid check and citi bank is stealing my funds from me
Product: Credit reporting

I was misled into believing the credit reporting service of Experian and XXXX was a one time charge instead of subscription, and was charged recurrently. 
I tried to cancel my service, and both agencies have very difficult websites to navigate for a simple task that I assume most who visit their websites intend to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw an advertisement on XXXX about this credit repair company claiming to fix your credit score and delete collections from your record. I called them and spoke to a person name XXXX, I explained to him my situation which is that i was looking to buy a house with my fiance soon but the only thing stopping us was my credit score. I also told him that I needed to move out my place within 90 days of the day I spoke to him which was on XX/XX/2021 and he then said, no problem they can fix my credit score within 60 days or so. I asked how much and he told me {$2800.00} dollars for the VIP service and that I will then receive a credit line that was already used for over 5 years and that will be my new credit score within the 90 days. I told him i could not afford to pay {$2800.00}, he put me on hold then told me he can do the same deal, " VIP service, credit fixed in less than 90 days with a credit line for {$1400.00} but only if i paid upfront. So i agreed, it all sounded very promising. I then proceeded to give him my card information, he took all my information down debited {$1400.00} from my card instantly but then they never answered my phone calls. I have received 2 messages from them ever since, asking me to upload and update my information and thats it. My credit score never improved XXXX single point, I have never been able to contact them, and I most definitely have not being able to even apply for a house with " the credit line '' they said I will get within 90 days. I feel so betrayed and fooled. They definitely need to give me my money back or they all need to go to jail. It is so sad to think they are doing this to many other people. I still see their ads on XXXX and XXXX but if I call them they never answer their phone and on their website they have a link to their email but if you write them they do not reply. I tried to get my money back through the bank but the bank said they couldn't do it because it had been longer than 90 days since I made the purchase of this service. They are getting away with my money and still on social media ads trying to get other people when they know XXXX  well they do not fix anything or wont answer once you pay them. Please do something. Im so mad they took my money by deceiving me, they took advantage of my need and capitalized on it, I was vulnerable and they took my money furthering my chances of buying a house. I tried to contact them just now and their phone message says they are open monday through friday XXXX it is tuesday XXXX pm but no one is there to answer. Its a web of lies. This is fraud at its finest, scam XXXX taking advantage of people in need.
Product: Checking or savings account

I had contactedWells Fargo to open a claim about a fraudulent charge by XXXX, a third party, used to purchase a flight ticket with XXXX. When I arrived for my flight on XX/XX/2024, XXXX staff notified me that my ticket reservation was marked for fraudulent activities, that the third party was using a discount den ID not associated to my name. I had contacted XXXX through their website and all they stated was to submit a form online and that they could not assist me with anything further. I immediately contacted Wells Fargo to notify them of this fraud charge. They opened a claim and temporarily provided my account with the funds. I heard back from XXXX also known as XXXX, and they stated they have not heard have from the airline in regards to the problem. Wells Fargo denied my claim and now I am was charged the {$130.00}. I asked for help from Wells Fargo and stated that this is clearly a fraud charge I did not receive any services from this charge and that I did not approve of it. I really need assistance because Wells Fargo said that they could no longer XXXX me with this. I can not even contact anyone from XXXX and get this resolved. It has been over a month and really need this resolved. I am at a dead end thinking that my bank would protect me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Co-singing on loan for ex-wife before divorce 4 years a go an I dont make payments on this loan
Product: Debt collection

Hello I have XXXX inquiries on my credit that are not mine I have been trying to get them removed from my credit I live in XXXX XXXX ( XXXX ) ohio and pay my bills on time every month just trying to get them removed from my credit.
Product: Credit reporting or other personal consumer reports

I just got a notification that I no longer have a FICO score although I have an open and in good standing credit card that I use and have since XXXX! How can I have a FIVO score one day then not one the next when I have the same CARD? Im trying to buy a house and these credit bureaus keep messing with my scores making it impossible to do so! 

I have a card in good standing thats open! How can they do this? If you hade a card you use and pay on you have to have a FICO SCORE!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and several accounts were fraudulently opened in my name. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I request the immediate removal of the following accounts from my Experian credit report : 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 These nine accounts are fraudulent and must be removed. Please ensure compliance with FCRA 605B and confirm the resolution of this matter.

Specifically, I want 9 accounts removed.
Product: Money transfer, virtual currency, or money service

Had my unemployment backpay sent to this account. After waiting 180 days, they refrozen my account and made it where I can not log into my account. Prior I could not transfer my money. They now have made it to where I can not log in to see my funds or speak to anyone in customer service.
Product: Debt collection

There are these deals that pop up in emails or ads asking you to fill out a survey and then you choose your free product. Well a lot of ppl such as myself that are targeted for their SSD /SSDI bcuz of our health problems. And XXXX XXXX  is utilized for pain. Well, the outfit mails you the supposedly free product of XXXX oil, which you of course enter your personal information and your bankcard for the postage. Then these ppl try to take an amount of {$110.00} from your said bank account, which most of us contest with our banks, as well as contacting this XXXX XXXX XXXX that refunds you the money yet wants you to mail back the supposedly free bottle of bogus oil. And XXXX months later then give this supposed debt to the collection company titled National Medical Administration that then begins harrassment of your person for this FAKE DEBT FOR FAKE XXXX XXXX 
These people are working under the XXXX adjective in order to pose as XXXX personnel in an attempt to collect on a supposed debt of XXXX XXXX  that more than likely you the consumer received for filling out a survey. You the consumer probably gave your personal information for postal reasons in order to get your supposedly free bottle of XXXX XXXX, which by the way is nothing but COUNTERFEITED XXXX XXXX. Then about XXXX months later they will attempt to recharge your bank card used for postage previously in the amount of {$110.00}. I was given the refund yet they attempt to get you to mail back to their fraudulent organization the " free 'XXXX  ' XXXX oil, '' and threaten that it is worth much more. Yet they sent it to you as a free product go figure. Then in about XXXX  months you get their fraudulent outfit contacting you as they did me today in an attempt to collect on their bogus XXXX oil XXXX! Might I remind my fellow consumers that in order to garnish your wages they MUST TAKE YOU THE CONSUMER TO DEBT COLLECTIONS COURT WHERE YOU THE CONSUMER MAY THEN CONTEST THE VALIDITY OF THE DEBT AND/OR COUNTERSUE FOR DAMAGES CAUSED BY THEIR PRODUCT, WHICH AS YOU WILL SEE IN THE PHOTO BELOW WHERE THEIR CBD OIL CAUSED ME PERSONAL INJURY. THIS COMPANY IS FRAUDULENT AND I CAN NOT EVEN BELIEVE THAT THE BETTER BUSINESS BUREAU IS ALLOWING THEIR " NATIONAL MEDICAL ADMINSTRATION '' OUTFIT TO DENOUNCE WHAT USED TO BE AN ORGANIZATION FOR THE BENEFIT OF US THE CONSUMERS. IT'S SICK, PLAIN SICKLY! THIS FRAUDULENT OUTFIT TARGETS THE XXXX  AND THE XXXX AS I AM BOTH!!! YOU ARE MADE TO THINK YOU ARE GETTING SOMETHING TO IMPROVE YOUR HEALTH BUT ARE ONLY GETTING SCAMMED BIG TIME!!!! SHOULD THEY CONTACT ME AGAIN THROUGH PHONE, EMAIL, TEXT, OR MAIL, I WILL THEN SUE FOR HARRASSMENT, AS WELL AS SUE FOR THE DAMAGES CAUSED ME BY THEIR COUNTERFEIT " XXXX '' XXXX!!! 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to Equifaxs credit information breech and notification that I have been effected, I placed a freeze on my credit reports. Equifax charged me XXXX to do this, my husbands was free as well as several friends. They seem to sporadically charge people. They should not make money off the damage they have caused us.
Product: Debt collection

XXXX   XXXX   XXXX   XXXX   XXXX  is trying to collect on a debt for a title loan account via   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . I do not recall ever having a title loan through this company and have tried repeatedly to get proof the debt belongs to me by requesting a contract from  XXXX   XXXX  bearing my original signature.  XXXX   XXXX  has been unable or unwilling to provide this information. I have reported to all  XXXX  credit bureaus that  XXXX   XXXX  has been unable to provide this information and the debt still remains on my credit.  XXXX   XXXX  is also reporting false information on the date this account was opened. According to the statement I was sent, it was opened in  XX/XX/XXXX   and  XXXX   XXXX  states it was opened   XX/XX/XXXX  . Per the Fair Credit Reporting Act, changing the date the account is opened/closed is agains t Federal  Regulations.
Product: Debt collection

Credit control , LLC is trying to collect on a debt that is the was result of identity theft. 
XXXX XXXX XXXX  was sent may letters telling them that this account was opened through the result of identity theft. 
This debt is not owned by anyone in this household. 
Also XXXX XXXX XXXX was told that the account was the result of identity theft.
Product: Debt collection

There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case XXXX XXXX XXXX is attempting to collect XXXX XXXX XXXX XXXX XXXX XXXX. These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report.
Product: Student loan

I am enrolled in the XXXX plan and have federal loans under Nelnet. I noticed my accrued interest has been climbing over the months I have been making payments despite doing so on time. Under XXXX, 100 % of unpaid interest should be paid by the government as long as I make payments. That is not the case as my accrued interest has been slightly increasing. It looks the majority of my unpaid interest is being paid by the government, but not all of it, based on how my accrued interest and total balance have increased. Nelnet says everything is being done correctly, but if that was the case my accrued interest would not be increasing. They have not been able to provide an explanation as to why I am being charged interest and offered no resolution.
Product: Credit reporting or other personal consumer reports

I received service from XXXX on XX/XX/XXXX for monitoring service. On XX/XX/XXXX I canceled the entirety of that contract with the cancel confirmation # of XXXX. I was told someone would call me to come and collect the equipment. Someone did call me I missed the call. I called her back. She said she would call me back in five minutes once she pulled up my account. I never received a call back at this point. I was seven months pregnant and about to deliver and going through complications so I didnt have the time to call them back to check the status. After I delivered my son in XX/XX/XXXX a few months later I called back and said hey nobody has reached out to come collect this equipment. Per the contract, It says that they have 20 days of the date of your notice of cancellation to come and collect it. 

" IF YOU CANCEL, ANY PROPERTY TRADED IN, ANY PAYMENTS MADE BY YOU UNDER THE CONTRACT OR SALE, AND ANY NEGOTIABLE INSTRUMENT EXECUTED BY YOU WILL BE RETURNED WITHIN 10 BUSINESS DAYS FOLLOWING RECEIPT BY THE SELLER OF YOUR CANCELLATION NOTICE, AND ANY SECURITY INTEREST ARISING OUT OF THE TRANSACTION WILL BE CANCELLED. 
IF YOU CANCEL, YOU MUST MAKE AVAILABLE TO THE SELLER AT YOUR RESIDENCE, IN SUBSTANTIALLY AS GOOD CONDITION AS WHEN RECEIVED, ANY GOODS DELIVERED TO YOU UNDER THIS CONTRACT OR SALE ; OR YOU MAY, IF YOU WISH, COMPLY WITH THE INSTRUCTIONS OF THE SELLER REGARDING THE RETURN SHIPMENT OF THE GOODS AT THE SELLERS EXPENSE AND RISK. 
IF YOU DO MAKE THE GOODS AVAILABLE TO THE SELLER AND THE SELLER DOES NOT PICK THEM UP WITHIN 20 DAYS OF THE DATE OF YOUR NOTICE OF CANCELLATION, YOU MAY RETAIN OR DISPOSE OF THE GOODS WITHOUT ANY FURTHER OBLIGATION. IF YOU FAIL TO MAKE THE GOODS AVAILABLE TO THE SELLER, OR IF YOU AGREE TO RETURN THE GOODS TO THE SELLER AND FAIL TO DO SO, THEN YOU REMAIN LIABLE FOR PERFORMANCE OF ALL OBLIGATIONS UNDER THE CONTRACT. '' Needless to say, I never heard from anybody. I sold that house after going back-and-forth with XXXX for months nobody ever called me back. I was always the one calling and now theyre trying to charge me after I was trying to get this squared away. Thats unethical. I could have XXXX pull every record that I called them and tried to get them to square this away. I abided by the contract that I signed thats says I needed to cancel within three days now I expect them to abide by the contract that says if you do make the goods available to the seller and the seller does not pick them up within 20 days of the date of your notice of cancellations you may retain or dispose of the goods without any further obligation