23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

on XXXX of 2020 i leased out an apt unit at XXXX XXXX in XXXX Texas. When i got approved for the apartment, because of covid-XXXX XXXX, no one came to inspect the apartment. on the first day of move in i noticed the apartment had mold, vents and fridge were dirty and patio wood was scratched up, and i was getting ready to deliver my newborn baby. when i called the leasing agent that helped me she gave me a number to the maintenance. I called numerous times to maintenance about the problem but no one ever picked up, so i left a message. this went on for weeks .when i brought it up to the leasing agent she said there was nothing she could do about it because of covid they weren't allowed to come into the apartments and i wasn't allowed inside of the club house that the leasing agents worked from. i dealt with this as the months went by, but when it came to me being due for birth delivery i could no longer stay in the apartment due to health reasons. I moved out but continued to pay rent each month. when it came time to moved me and my mother cleaned the apartment and left everything how it was when I first moved in. Now the apartment is saying i broke the lease and owe {$1800.00}. i never got my deposit of {$300.00} back and they never explained why i owed that much if i left the apartment exactly how it was when i first moved in. property manager XXXX XXXX was very rude when i called and asked what was the reason i was charged so highly.
Product: Checking or savings account

An acct was opened without my consent debit and a credit car application
Product: Credit reporting or other personal consumer reports

I'm in the process of trying to buy a house and realized I had damages on my credit report. I mailed out letters to the credit bureau ( Equifax ) due to inaccurate information being reported to my credit report. According to 15 U.S.Code 1681 there should not be any damages on my report as its defamation of my character.
Product: Debt collection

Hello, I received a letter in the mail from XXXX  consumer contact solutions. The letter stated that if I paid XXXX dollars they would wave the rest owed and settle my account. This did not happen so I tried contacting them 3 different times. Once by e-mail on XX/XX/2021 requesting a call back an an explanation as to why my account was not settled. Second attempt was by e-mail and phone on XX/XX/2021. The person who answered the phone told me I would need to contact a different department and leave a voicemail with my account number, name, and that Id like a settlement letter e-mailed to me. Third attempt was the same day XX/XX/2021 leaving a voicemail with requested information. 

I did not receive the requested letter in the 48 hour period mentioned it took on their voicemail. I did however receive a letter dated XX/XX/2021 showing a balance minus my payment amount. 

My belief is this company scammed me out of money with XXXX intention of settling my account like they said they would. I have tried twice with one credit bureau to have the status corrected and each time it was denied saying the amount owed is correct. 

I do not know what else to do to resolve this issue at this point. If I were scammed by this company I feel its important to report them so they are unable to continue to do it to others.
Product: Credit card

I called and closed the account ending in XXXX on XXXX  XX/XX/year> at XXXX eastern. I verified all of the account information and received a letter stating it was closed. I was made aware that it is still showing open today and there's a {$99.00} annual fee posted XX/XX/year>. This account was closed but is still showing open.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion should not be reporting that I am ( 120 ) days late on XXXX  XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested Account validation from XXXX XXXX XXXX in XX/XX/XXXX. I received no response from the company. In XX/XX/XXXX I sent a letter to all three credit bureaus to validate the debt, which I also received no response. This debt is not been able to be validated, which all three bureaus put in the comments on my credit report that the account has been disputed which there has obviously been no investigation, Also this is reporting inaccurately as an open account. Ive enclosed supporting documents.
Product: Student loan

I am having difficulty getting my student loan company, Navient, to work with me to reduce my monthly payment. I submitted my first request back in XX/XX/2019 but the company still will not offer me a payment plan. Instead they keep forbearing my account so that my interest rate keeps accruing. 

I keep submitting forms for Income Driven Repayment plans  but they keep stalling on processing this. When I call to check in about the status, they ask me to submit something new but never give me complete or accurate information so that this can be processed correctly. I never wanted to put a forbearance on my account but only to lower my monthly payment from {$1200.00} to something more manageable.
Product: Checking or savings account

As my current Debit card end date is expiring (   XX/XX/XXXX  ) , I have requested for a new card by calling KEY BANK Customer care, called couple of times to check status on that, they have mentioned card is on it way, but i i never received it, after few weeks i got call from KEY BANK on  XXXX   XXXX , stating that there is some high amount of transaction is happening on my card. I have clearly mentioned then, i did n't received any card and i have no information on that and informed them to block it and block all transactions, but i found out that total {$9900.00}, transactions happened on my card on  XXXX   XXXX  and  XXXX   XXXX , with out my knowledge and i have received single call about this. I was very much surprised and filed a case on KEY Bank Fraud department and provided all the required information and filed a police case as well at   XXXX   Police station. i have been trying to reach out to  Fraud  department agent since two weeks, he is not returning my call, to day i was able to hold of him by other agent and he rudely mentioned it as case is denied, so no refund will be made on my account.I have been with KEY bank more than  10  yrs and i am a key privilege account Holder and i have  CD  as well with bank, never ever have this type of reception from any one. He didnt gave me any valid reason for denying the case, police investigation is still in the process and he concluded the case and said it is denied and i do n't need to call him back on this.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT. I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. Since adequate notice was not given as per the above- mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ). Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors and unfair credit card practices. From your end, I have not benefited from this transaction which is again a violation of 15 USC 1602 ( p ). According to 15 USC 1602 ( p ), the term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. I hereby request you to do the below- mentioned things ; LJ Ross & associate/ XXXXXXXX XXXX XXXX XXXXXXXX of {$350.00}. If you accept my request, I will not escalate this matter to Federal Court. In case you dont accept the above requests, legal action shall be taken against your Company for compensatory damages. Thank you for your attention to this matter. Sincerely, : XXXX XXXX. All Rights Reserved Without Prejudice UCC-1308
Product: Payday loan, title loan, personal loan, or advance loan

the following account is negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report, therefore you must remove all negative and adverse remarks under 15 USC 1681 ( b ), 15 USC 1681a ( 2i ), and 15 USC 1681c ( 5 ) of the Fair Credit Reporting Act ( FCRA ) : the company alleged I owed them money, however, they closed the account and charged it off. In addition, the company alleged I was late in my payment, however all accounts were paid as agreed and never late.
Product: Debt collection

I sent Americollect a letter requesting the for them to validate the debt with the following pieces of information ( please see attachment-Americollect Validation Debt request letter ).

Instead, I receive a generic letter without any of the information requested. 
Need original copy with my signature, need proof that they own or have been assigned the debt to collect, need payment history.
Product: Checking or savings account

On XX/XX/2022 I initiated a wire transfer from my savings account with Bank of America to a fa mily member. Several minutes after initiating the transfer, I discovered that the transferee details were incorrect and immediately called Bank of America to have the wire transfer cancelled. I was advised by a Bank of America agent over telephone that the transaction was cancelled and would not go through. 

On XX/XX/2022 I noticed that a HOLD had been placed on my account for the origin al transfer amount. I immediately called Bank of America and was advised by an agent over the phone that this is just a technical HOLD, that my account would not be debited, and that the HOLD would be released within 24 hours. 

On XX/XX/2022 I noticed a DEBIT on my account for the original transfer amount. I immediately called Bank of America and was advised by an agent over the phone that the transaction was indeed canceled and that the DEBIT would be CREDITED back into my account by XX/XX/XXXX. 

It is now XX/XX/XXXX, and the account has not yet been CREDITED. I called Bank of America today and spoke with an agent who said that the transaction was never cancelled at all, meaning that Bank of America has been misrepresenting, misleading, and effectively defrauding me over multiple telephone calls with multiple agents. 

In addition, each call to Bank of America require s at least a 1 hour call waiting period after which I am almost always transferred to a different department with an additional 1 hour call waiting, which is utterly unacceptable. I'm not sure how to proc eed and recover the funds that were mishandled by Bank of America. I am filing this complaint in addition to initiating a lawsuit against Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a charge off account with a credit union with Experian on 3 separate occasions with the backing of the credit union and the account still hasnt been removed. The account is being reported as a charge off that happened in XX/XX/XXXX with a payment made in XX/XX/XXXX. The problem is neither of these things ever happened. This account has been reporting on my account for at least 5 years. 

The credit union supplied me with a letter that was sent to Experian via mail that says that they are not reporting a charge off account in my name. They have informed me that it must be being updated by a third party. They also assured me that if they were contacted they would let Experian know that the account should not be on my credit file. They have supplied me with a letter that I will attach to this complaint. Experian has failed to look at the supporting document and reach out to the creditor for verification.
Product: Debt collection

I received a civil court summons for {$720.00} from Stenger and Stenger... attempting to collect for XXXX XXXX  from the originated with XXXX XXXX XXXX 

I have disputed the accuracy of the {$720.00} multiple times in 2021 as well as replied back to a paper bill from XXXX  and requested documented validation of ownership and accuracy. 

I never received it. On XXXX I received a civil summons and I still do not have documented validation.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNT ON MY REPORT .PLEASE REMOVE THESE ACCOUNT FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT. XXXX # XXXX
Product: Prepaid card

It has been very difficult to use my Amex prepared gift cards at stores or online. I am also charged a small fee ( {$.00} or {$.00} ) for trying to use them on actual stores I go to such as XXXX or on XXXX for XXXX purchases. It is very hard to know what my current balance is on the card in real time because the Amex app itself does not allow you to add your gift card to the app ( as I can with my other Amex credit cards ), but the Amex website emphasizes that consumers need to know their balance at all times to use the card effectively. It suggests calling Amex or logging in online to Amex to determine your balance, which is more difficult than using the Amex app. 

Furthermore, at restaurants, you usually can not split between two cards if the balance is more than the current value of the card, and the bill ( including hold for tax and fees ) may come out to be beyond the value of the card so it will decline. In this way, the cards are ( 1 ) difficult to use, and ( 2 ) difficult to spend the full value.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.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 Balance Owed : {$230.00} XXXX  XXXX Balance Owed : {$2800.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$6600.00} XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023.
Product: Credit reporting

Submitted online dispute process withe experian and equifax with supporting documentation ( ID Theft report, police report number ).   XXXX   came back with a response stating they had deleted those items, experian came back as debts verified.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting the significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

I opened my online banking account in XXXX. I had my Michigan Unemployment Insurance Agency deposits being deposited into that account. They have since frozen my account which has a positive balance of just over XXXX USD. That money in that account is my bill money, that would be some of my unemployment benefits, the PUA benefits from being laid off in XXXX and still haven't got a call back, and the other half of my Economic Impact Payment from the government. I have tried and tried about 20 times including going into different branches and calling the customer service line many many times to get my funds. It has been way too long. All I want is them to issue an ACH to my other bank account for my funds or I can even walk into a branch and pick the money up with my Valid Drivers License. My car insurance is due, I need to buy things for college, I have kids to raise with that money. I feel like they owe me more money for this wait ... .. The only reason they closed my account is because " We don't recognize the deposits coming into your account. '' The deposits are coming from the EIP check I deposited, Michigan UIA, which the deposits come in as UIA- PRE PAID DEBIT- UI BENEFITS or XXXX XXXX , my federal student loan servicer. I would like them to immediately give me my money or the access back to my online account so i can withdraw all funds and close my account with them. I have also emailed the White House and The Federal Reserve about this issue. Please Help me fix it.
Product: Credit card or prepaid card

Received government issued MasterCard for my 2018 tax refund. After the refund was used card became inactive, account closed. Approximately a year later the recent stimulus check was sent to that account/debit card. Instead of returning the money the bank establishment kept/deposited money. The only information I have are last 4 digits of the card number. I have tried to contact IRS and Treasury Department, no live represents to speak to. I have contacted MasterCard twice, no help yet they see the account. They referred me to XXXX to have a new card issued they claim they dont have records of me and sent me back to MasterCard. 
I am currently receiving SSDI, my benefits are deposited onto Direct Express card. I have been at 2 locations since 2018 tax season. So, treasury has outdated information but IRS has correct information. Im going in circles. I believe it was wrong to keep that deposit for an inactive/closed account, theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency is reporting late payments on an open account that was never late. According to 15 U.S. Code 1681a ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. The institutions that are reporting late payments are preventing me from being extended credit and or being able to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$780.00}.
Product: Debt collection

Back in XXXX, I purchased a couch set from Macy 's financed through their in-house financing for 0 % APR ( if paid for within a year ). Following the plan, I paid it off in a year but then they moved their financing to an out-of-house financier. When that move occurred, I theorize that my information was not properly transferred because in XXXX I started to get collection agencies calling me and my credit report showed that I owed more than {$1300.00}. I did not have the paperwork at the time so I paid a creditor, who was supposedly working directly for Macy 's, over {$1300.00} under a payment plan. The collection agency agreed to have this removed. For a time it appeared that it did get removed, but it would occasionally show up a creditor would call me about it, it would show up on my credit report, I would challenge it and it would appear to be removed again. This has happened almost yearly, if not more. Now I am trying for a mortgage loan and it is once again appearing. My creditor provided me with this and am now trying to once and for-all get this removed.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I asked Equifax to provide proof from the original creditor comed that this debt transworld system owns this debt and has the legal authority to collect it or delete this account. It's been over XXXX XXXX I have not seen anything yet. So please delete this account asap