23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

1- They try yo push me to pay {$1100.00} for wind/storm insurance, the period XX/XX/XXXX through XX/XX/XXXX. 
While I already had a policy XX/XX/XXXX through XX/XX/XXXX. 
2- They claim payment in XX/XX/XXXX for a period expired in XX/XX/XXXX. 
Never heard to pay for XXXX insurance in XXXX, it is always paid in advance. 
I called and mailed snd emailed hundred times, no one seems to understand or even care. 
I Mailed and emailed them a copy of that expired policy, highlighted the paragraph that says named wind/storm with a1 % deductible, they dont want to even read or understand.
Product: Student loan

I entered into a income based repayment agreement with F.H. Cann & Associates , Inc. on XX/XX/2016 for a monthly voluntary payment of {$38.00}. 

To date, I have honored this agreement and have been " on time '' every month in paying by the XXXX day of each month directly from a specific business bank account, as it is reasonable and affordable for me. All pre-authorized payments to date except the XX/XX/XXXX payment have been processed - which I noticed said usual amounts have not been debited as they had in the past. 

I have not received a written notice of changes to our agreement, and, have now been sought on my mobile phone [ which I use for work ], and, the main line phone number to my business during regular business hours by agents of F.H. Cann & Associates, Inc. 
This practice now begins to adversely effect my state of mind at work and the business flow of approximately 5 other individuals. More specifically, the agents calling my employer have asked for me at times I am conducting important tasks or timely projects and speak to others without regards to my privacy as to where they might fax, email or send a wage reduction form. 

In the initial contact period with F.H. Cann & Associates , Inc., I did have faith they may be able to assist me in rehabilitating my federal student loans. They convinced me my affairs would be handled on a professional level with my best interest in mind. Two months ago they began to apply pressure for me to sign a separate and new terms and conditions agreement with language referring to " collection of fee up to 16.0 % of the outstanding principal and interest balance then due on my loan ( s ) will be added up on conclusion of this Agreement and purchase of my rehabilitated loan ( s ) by an eligible lender. '' I have yet to determine what more I can do to comply honor my responsibility to what I 've agreed but know my original federal student loans have rates under a 5 % interest. 

I have advised F.H. Cann & Associates , Inc. of my on-going involvement in debt counseling through my Attorney, XXXX XXXX. And, they are well aware I am considering personal bankruptcy only because of outstanding medical bills due to a XXXX, whereby financial constraints within the past 10 years were compounded by a long-term employment lay-off. This episode of my life rendered my personal financial affairs a disaster that also caused me to cash in a 401K to care for myself and a dependent child. 

I have asked F.H. Cann & Associates , Inc. for their consideration of all communication with me to be conducted by telephone after XXXX EST., to which they have not complied recently. There is no clear line as to why F.H. Cann & Associates , Inc. now comes at me with such aggression with obvious disrespect for my personal business matters. I now think of F.H. Cann & Associates , Inc. agents as being far more seriously dangerous to my mental health as their intentions seem to have taken a turn for the worse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$890.00}
Product: Credit reporting or other personal consumer reports

Cording to recent FCRA rules, XXXX takes action against those companies. You do not pay attention to the law regarding I deserved in XXXX days to see that are necessary for action to be taken against addition to block the negative information till the matters resolved.the CFPB forces actions against collection firms that do not fall in the XXXX XXXX and the fair debt collection at it would be who is the CFPB to concentrate on the local level and pay attention to those rooms out of nowhere in California. They dont even have a license to collect XXXX to move forward on a shot of the transactions allowed to extort the public
Product: Credit reporting or other personal consumer reports

Credit Reporting Agency removed XXXX XXXX XXXX from my consumer report and added it back without out notice.
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts on my credit report, and I have no idea how they got there. I routinely check my credit report, but this time, I noticed unexpected discrepancies. I even refreshed my browser, thinking it might be a technical issue, but the inaccurate accounts remained. Due to this situation, I request a thorough review of the documents I have provided so that I wont have to worry about this problem again.
Product: Checking or savings account

I recently tried to open a checking account at PNC Bank ( XX/XX/XXXX and XX/XX/XXXX ) twice and at XXXX XXXX XXXX  ( XX/XX/XXXX ) once, but both banks denied my application. During my first time at PNC Bank on XX/XX/XXXX, the banker returned me a printed letter explaining that they couldn't approve my application due to negative records shown in my XXXX XXXX XXXX consumer report. As a result, I ordered a free copy of my consumer report from XXXX XXXX XXXX on XX/XX/XXXX. Basically, this negative record was about the " Closed for Cause/Purge '' status of my previous XXXX XXXX XXXXXXXX XXXXXXXX XXXX  because I didn't follow their bank policies. After sending all my supporting documents ( also attached below ) to dispute with both XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX Department and proving that what actually happened to me was a check scam, I'm pretty sure this negative record has now been removed from my consumer report. Then, I tried to open a checking account at PNC Bank for the second time on XX/XX/XXXX, but the banker there denied my application again without clarifying the specific reason. I further tried to open a checking account at XXXX XXXXXXXX XXXX  online on XX/XX/XXXX, but I was rejected again. This time, they sent me an email clearly explaining why my online application was not approved, which is because of a higher-risk XXXX XXXX XXXX score ( XXXX ) with major impact factors included. However, given that my previous negative record should have been removed, this explanation still doesn't make any sense to me because all my present checking accounts are on a very good track without violating any bank policy. I hope PNC Bank can explain in more detail why they denied my second application. I also wish XXXX XXXX XXXXXXXX could explain in more detail why my deposit score is so high, how to lower my deposit score, and when I can apply for a checking account in any of the XXXX banks that own XXXX XXXX XXXX.
Product: Mortgage

In XXXX I requested the removal of escrows but I was paid ahead to XXXX and was told I had to request this in the month due. Loancare had phone issues. In XXXX, I waited to make my payment and called and requested on line. Loan due date is the first and I believe I requested on the XXXX. They said I could not because I was past due. On I not only submitted a payment online but also paid the escrow deficiency. I've since made the request 3 times and have not had ANY success. They have a link at https : //myloancareXXXX to make this request. Now they have disbursed my insurance. I asked that they not respond since I will, again, pay the deficiency to facilitate the removal. This request was made today at XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXXXXXX XXXX  I initiated a balance transfer for {$1700.00} through my Citi AA credit card. I asked to move the balance from my XXXX freedom flex card to my Citi AA card. 

After waiting 3 weeks I noticed we still had a balance of {$1700.00} on my XXXX credit card. But had an active balance of the same amount in my Citi AA account. 

I called XXXX and asked them why the fund had not been removed. They advised they never received the funds. 

After several phone calls with both XXXX and Citi management, Citi advised the wrong account number was entered ( XXXX instead of the correct account XXXX ) and that the funds did process correctly to XXXX. Citi provided me with a trace ID to give to XXXX XXXX I then returned a phone call to XXXX and they told me they 1. Can not track credit card transfers with a trace ID and 2. Received a check XX/XX/XXXX for XXXX. But that XX/XX/XXXX the amount was recalled I then contacted Citi and asked that since they recalled the funds they credit my account and cancel the balance transfer. 

I received a temporary credit to my Citi credit card during the investigation process but was returned that credit on XX/XX/XXXX. 

I sat on the phone for 2 hours with Citi bank XX/XX/XXXX and was told the funds were sent to XXXX and until they can recall those funds I will owe them a balance. 

I have tried everything I can think of to get this issue resolved but to no avail. Both XXXX and Citi management are telling me neither of them have received the funds while Im left with a nearly {$4000.00} balance on my accounts.
Product: Mortgage

I did not receive any information about my loan being sold to a new mortgage lender. I did not receive any mail or emails regarding the new loan servicer. The new company is Selene Finance and my old mortgage lender was XXXX XXXX mortgage.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft due to XXXX XXXX breach and XXXX XXXX XXXX XXXXXXXX breach. I didn't authorize these inquiries or accounts for as someone tried to benefit off using my social security number without permission or authorization see attached for identity theft report
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER GIVING THE CREDIT REPORTING COMPANY THE POLICE REPORT THEY STILL REFUSE TO REMOVE THESE ACCOUNTS FROM MY CREDIT FILES
Product: Debt collection

I have written letters etc and Im still having issues with my credit score because this debt is not mines
Product: Debt collection

My name is XXXX XXXX ( XXXX XXXX. I and my family were residents at the XXXX XXXX XXXX in XXXX XXXX and our lease ended. We followed the process that we were told and moved out of the apartment on the last day after returning the keys to the main office. The office did not give us any statement showing our balance on our last day but we gave them our forwarding address ( our new address ) along with the apartment keys. We then waited for a statement ( or invoice ) and our re-embursement for the security deposit but we did not receive it. Recently, we got a call from a creditor company asking us to pay {$2500.00}. Our monthly rent used to be around {$1900.00} and we paid a security depost for the amount {$350.00}. 
We have not received any form of email notification, mail from management XXXX XXXX XXXX XXXX, nor our deposit check. Our 12 month lease term started on XX/XX/XXXX and ended on XX/XX/XXXX. 
Please help! What should we do? The creditor ( IQ-DATA ) told us that if we don't pay the {$2500.00}, by  the end of this month, they will update our credit history.
Product: Debt collection

As previously noted, the XXXX  XXXX XXXX owned by Mrs. XXXX XXXX was the victim of a HOSTLE and ANTAGONISTIC assault and battery by an unknown assailant. To be specific, the XXXX XXXX COUNTY SHERIFF 's DEPT. has noted this accident as an assault with a deadly weapon ( A XXXX XXXX XXXX XXXX ; license plate already noted in a previous report ).
Product: Debt collection

I am writing to formally dispute the accuracy of my credit report, specifically regarding late payment accounts that do not reflect the updated payment information and contain inaccuracies. Upon reviewing my credit report, I have identified discrepancies that require your attention and correction. 
Account Information : XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have consistently made timely payments for the aforementioned accounts, and there is a discrepancy between my payment records and the information reported on my credit report. The current report inaccurately reflects late payments during the specified months, which is not in line with my payment history.
Product: Debt collection

XXXX XXXX moved out of a warehouse in XXXX in XXXX 2015. A new tenant moved in XXXX 2015 and they did not convert the electric account to their name. The electric company XXXX assigned the matter to IC Systems a collections agency. IC Systems contacted us for payment on XXXX XXXX, and we advised them that we are not responsible for these charges. IC Systems continues to harass us for payment and is threatening to blemish our credit and any accounts we have. Attached is a copy of the threat.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Wells Fargo a letter to dispute /validate an account that is being reported on my report on XXXX XXXX. I have not received any response, validating this account. This account was a secured account, which they had the money in an account " secured '' for any balances not paid. I am concerned as to how they claim I still owe them any money. 
I've attached documentation showing the letter that was sent to them as well as a copy of the credit report that I recently pulled.
Product: Checking or savings account

I made a withdrawal with my chime card. The ATM said dispense Chime Is With Holding My Money.
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off and collections. I have tried numerous times to have this situation resolved with no resolutions. 
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
Product: Money transfer, virtual currency, or money service

Immediately after opening an account, I received an email stating that it was " suspended '', they claimed it was done because of some questionable activity. I never had a chance to use the account such as make transfers, pay or receive any money, so I weren't clear on what questionable activity i was committing. I've attempted to reach Venmo by phone, which was unsuccessful, just a run around through options, and by chatbot to speak to a live agent, and every single time my wait was almost 100 people ahead of me. I kept the app open to keep my place in line, no one has ever reached out to me through their chat service.

I've received an email from them demanding my current government-issued ID and a selfie holding that ID next to my face. It made me feel incredibly unsafe that this company would hold my account " hostage '' until I provide such sensitive information about my identity. I've researched this issue online and found numerous complaints regarding this same issue and that it doesn't get resolved even after customers provide the requested information such as the last 4 digits of their social security, selfie and the ID.

I was unable to close my account through the app, it directed me back to their chatbot. I've emailed the company requesting closure of my account, but they've refused to close my account until I provide the requested information! This is not a trustworthy company that inspires safety and confidence in their customers. This is not a legitimate way of providing service and conducting a business.
Product: Payday loan, title loan, or personal loan

On or about XX/XX/ applied for a personal loan from the business. On, XX/XX/, XXXX XXXX at the business stated my XXXX credit report file size is to large and if XXXX could be pulled. As a note, an inquiry from this business shows that they pulled XXXX on or about XX/XX/. On XXXX XXXX XXXX, I notified the named individual at the business via email on the portal that XXXX can be pulled. She replied back that she would let underwriting know. Ten days later nothing has been processed.
Product: Debt collection

XXXX sold my account to I.C.System INC. They are in violation of HIPPA I did not authorize my medical records be given to a third party. I did not give permission to release my medical records. Nor did they advise me that this was something that was going to happen.
Product: Credit card or prepaid card

Hey so basically I tried calling for them to possibly waive my annual fee but their agents would disconnect ( happened 3 times ) and or they would act like they couldnt understand what I meant and would passive aggressively inch me off the call till I was just saying the same thing and they were playing dumb.
Product: Debt collection

TODAYS DATE : XX/XX/XXXX ALLIED COLL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ALLIED COLL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Subject : Identity Theft Complaint Unauthorized Accounts with XXXX XXXX and XXXX XXXX To Whom It May Concern, I am writing to file a complaint regarding identity theft involving unauthorized accounts opened in my name with XXXX XXXX XXXX XXXX and XXXX XXXX. I have also included an Identity Theft Report to support my claim. 

Details of the Complaint : XXXX. XXXX XXXX XXXX XXXX Account : An account was fraudulently opened in my name under the account number XXXX with XXXX XXXX XXXX XXXX on XX/XX/XXXX. I did not authorize or apply for this account. 
XXXX. XXXX XXXX Account : An account was also fraudulently opened in my name under the account number XXXX with XXXX XXXX XX/XX/XXXX. I had no knowledge of or consent for this account. 

Supporting Documentation : Identity Theft Report : Enclosed with this complaint is my Identity Theft Report, which details the fraudulent activities and confirms my claim. 
Credit Reports : I have included my credit reports from Equifax, XXXX, and XXXX showing the unauthorized accounts. 
Correspondence : Documentation of my communications with XXXX XXXX XXXX XXXX and XXXX XXXX, where I reported the fraudulent accounts. 

Request for Action : I request that the Consumer Financial Protection Bureau ( CFPB ) assist in resolving this matter by ensuring the removal of these fraudulent accounts from my credit reports and facilitating further investigation into these incidents of identity theft. 

Contact Information : Full Name : [ XXXX XXXX XXXX ] Address : [ XXXX XXXX XXXX XXXX, XXXX ARIZONA, XXXX ] Email : [ XXXX ] Phone Number : [ XXXX ] Thank you for your attention to this urgent matter. I look forward to your assistance in addressing these fraudulent activities and correcting my credit reports. 

Sincerely, [ XXXX ]
Product: Debt collection

XXXX XXXX opened the account on XXXX XXXX, 2012 ( 4 yrs, 11 mos ago ) following my acceptance onto permanent XXXX I was told I no longer was liable for the amount through their management agency. 

Please remove this immediately.
Product: Student loan

On XXXX XX/XX/year> I logged into the Mohela system to make my student loan payment. At which time it said that I owed 2 months XXXX and XXXX. Given that it was a the actual due date, I assumed it was showing next month being due as well. No big deal the holiday was coming up in XXXX so I would go ahead and pay it and not miss it. 
On XXXX XXXX XXXX I received an email from the US Department of Education that I had missed a payment. Due to the fact that I know that I paid it I am concerned that Mohela system is incorrectly showing payments. I have reached out to them but have not heard back about this. But I clearly paid this bill a month in advance. 

I have reached out to Mohela to ask for an explanation, but have not yet heard back. But given a quick search I have found that this is not a new issue with them and that others have had the same issue with slow progress and getting it resolved. So I'm deciding to get ahead of it now.
Product: Credit reporting or other personal consumer reports

Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contacts Show Experian XXXX : XXXX XXXX : XXXX Date of Inquiry XX/XX/2022 XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX.