23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Citibank has blocked my debit card few times and I verify my account through my phone number at least 3 times and and I was making few small purchases through XXXX XXXX   and today on XX/XX/2020 Citibank is unable to verify my phone number which its kinda weird and I unable to use my debit card and I was told that I have to wait one hour for a security code but Im so sick of this and they keep blocking my card and they refused to close my account and withdraw all of my money .... and they kept blocking my card and I had the same phone number for little over a year and Citibank told me that my phone number was brand new and they unable to verify me ... but they did in the past and they refused put out my money out of the bank and I want to switch banks
Product: Debt collection

Please see the attached letters. Both clients moved from the house, advised the City of XXXX, and then filed bankruptcy. The City of XXXX, WA code does not permit ongoing charges to a consumer for water bills if they advise the City that they are leaving the house and want the water shut off. The consumers did provide such notice. The City has failed and refused to produce its file for this account, and the debt collector, Puget Sound Collections ( or PSC ), and its attorney, XXXX XXXX, refuse to respond for demands for documentation. Additionally, the amounts keep varying by literally thousands of dollars, without explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a resident of XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX Fl XXXX from XX/XX/XXXX to XX/XX/XXXX - - Upon moving suddenly due to a job loss, I was told I owed an egregious amount ( XXXX ) that I am not acknowledging or accepting without proper documentation on behalf of XXXX XXXX. On XX/XX/XXXX I sent my first email to the property asking for clarity on the charges and documentation on how this incorrect number was put together, I did not get a response.. I submitted a letter to XXXX XXXX XXXX on XX/XX/XXXX ( I have receipts etc ) - after reaching out for weeks and months via phone and email to no avail- In this letter I submitted photographic evidence of the state of the apartment before and after my occupancy and requested a delay in credit reporting due to what I'm sure was mistake in accounting. A few days later I received notification via a delivery receipt that XXXX XXXX had indeed received my letter, I also received a credit alert stating I now had an open account in collections in the amount of XXXX. Very Very shortly after on XX/XX/XXXX, I finally receive an email from the property manager -XXXX XXXX- now informing me that they had made a mistake and that the correct balance is actually XXXX. Which is a very far cry from XXXX - I did receive a breakdown to how that number was formulated but after this circus I am not sure of these charges either. Naturally, I am very apprehensive about if this number is correct, especially since if I would have been told the " correct '' number I very easily could have paid, but I was unwilling to send 1700+ at the wim of simply being told that is what i owed, when I knew the contrary. I feel XXXX XXXX is practicing shady business ethics and I am requesting receipts for the " Tile/Grout cleaning, Broken Blind replacement, carpet replacement, and drip pans '' - I am also requesting this be removed completely off of my credit report, largely in part to me being given incorrect information after repeatedly calling to get the correct information to avoid this hoopla. I am needing to find a home for myself and my son, and this extreme hindrance is not only very inconvenient, I'm pretty sure it is illegal.
Product: Checking or savings account

I am a XXXX year old woman who is nearing retirement. Now I have to extend my employment and work longer because I was a victim of a scam. Sadly as I spoke to attorney, I was so angry as I learned more. I have never made transactions beyond a couple XXXX dollars. And in less than 24 hours I transferred large sums from my Home equity to my checking account. Then I used my Debit card to make XXXX in large purchases ( XXXX and XXXX amounts ) at XXXX. Again I have never made transactions of this size. Not once did my bank think this was suspicious. if they are protecting me, they would have seen this is very much not normal activity and if they understood the market place and the fraud in the industry, they would have had a clear reason to call me and question the transaction. I would have told them I was working with you on a catching fraudsters. but you would have explained you were not and I would have been protected from a scam. but not one call. in fact I called you and no one even thought to question the massive amounts of money moving from my account. now I am here, extending my employment another year to replenish XXXX dollars as I have a bank that never even had time to call me. my attorney said this is basic fraud prevention for highly unusual activity to be flagged and my bank to call me. it gets worse. I called to report my on line banking was compromised as part of this scam. they have my user ID and pass word. I was told by the fraud team they could only help me with my debit card. so someone could transfer money through OLB or ACH money out and they cant turn off my OLB or change my user ID or even tell me how to do it. in fact the agent told me he wasn't sure they have on line banking? I guess I might be lucky that M & T built on line access for just me and didn't tell anyone. so it makes sense if they don't even know they have OLB and cant help me, how would they ever be able to notice unusual transactions that are so egregious. I am a victim of elder abuse. and a victim of a neglectful bank.
Product: Credit reporting or other personal consumer reports

Duty pursuant to the FCRA, it is EXPERIANs responsibility to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting 22 inaccurate late payments for the XXXX XXXX account XXXX. These include a 30 day late payment posted in XXXX XXXX, XXXX. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX, XXXX. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. XXXX and XXXX XXXX, and a 60 day late payment posted in XXXX XXXX, XXXX. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Debt collection

Upon looking through my credit report and noticing an unknown debt collection. I reached out to the company via certifed mail with a letter asking to verify the debt. I sent the letter USPS Certified Mail ( Tracking Number XXXX ) on XX/XX/XXXX and The Bureaus located at XXXX XXXX XXXX, XXXX, IL XXXX received it on XX/XX/XXXX at XXXX am. Upon giving the company 30 days, I received statements ( XXXX XXXX ) from the alleged account. I reached out to XXXX XXXX about the account in question. I spoke with a rep named XXXX and he stated " the person who opened the account stated that the date of birth was XX/XX/XXXX and my date of birth is XX/XX/XXXX ''. Also he stated " that the account was opened in XXXX which is before I turned 18 years of age ( Which is a violation of their terms and agreements ). The conclusion is that the account was a result of identity theft. If the company ( XXXX XXXX and The Bureaus ) verifed all the information they should have notice the DOB does not match with mine nor was this account legal for them to open. This process should have been thoughly verified before adding on my credit report. I am willing to take all legal options, if this account is not removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute 14 inquires on equifax. Only 2 remove. All should be removed as they are not mines. Tired of the runaround with equifax about this matter.
Product: Payday loan, title loan, or personal loan

Please see complaint XXXX from XX/XX/XXXX is not resolved. I respectfully asked for a letter to be mailed that indicates that the loan was deemed to be fraud and not opened by us. While the company said they sent something to XXXX, respectfully this is n't enough. Respectfully the response indicated that they took steps to validate information. Respectfully, I would say their measures are lacking. Other Companies contacted us within that same 48 hour period to verify information and those loans were not funded. I have the names on our caller id, so respectfully, if you want to call me, I can provide their names and perhaps you can reach out to them or their vendor to respectfully enhance your processes. In closing, we simply want a letter that states that the loan was investigated and deemed fraudulent. This way if the loan surfaces somehow during our home purchase or accidently gets sold to a 3rd party for collection, we can use it to support our claim. The prior response is simply insufficient, incomplete, and self serving.
Product: Debt collection

XXXX XXXX is trying to collect a debt that I don't owe to them, I have asked them to send me a contract that I signed with them. XXXXXXXX XXXX  the contract because they didn't want to give me the deals I agreed to when asked. So they broke the contract in the middle of the month. I will not pay for something that this company didn't honor. I have a copy of the contract that wasn't up held.
Product: Credit card or prepaid card

XXXX card by Chase Bank.Signed up for this card as advised by travel bloggers for its 'free night at any XXXX hotel ' award. This free night certificate is issued on the 1 year anniversary of having the card ( for me this would be XX/XX/2018 ). I had planned to use my certificate in XXXX at a hotel requires XXXX miles ( but many hotels require at least XXXX - in fact in almost all major cities in US ). Suddenly, about a week ago ( XX/XX/2018 ) XXXX decided to change this benefit 'midstream '. Capping the award at a XXXX point hotel. 

While I understand they are able to change terms and conditions, it should AFTER the benefits promised at the time of application are received. I have written emails and reached out on social media and have only been given the run around on this ( literally for hours ). Not only is this 'bait and switch ' but reportedly they ARE still going to give some consumers the uncapped free night award ( discrimination ). In addition, having this card prevented me from getting the XXXX card through which I would have had several nights of free hotels. 

I am all for responsible capitalism - but this is unfair and non-transparent behavior, from several corporations who apparently feel too big to fail
Product: Debt collection

Various documents dropped off with neighbors and relatives that involved personal information pertaining to fraudulent debts due to being a victim of identity theft. Received a letter for a judgement held against me with a hearing of XX/XX/2019 in which was not disclosed in the paperwork dropped off with neighbors. 

Was not served directly by debt collector and never signed any paperwork pertaining to these filings. These documents were dropped off various times throughout the month of XXXX. In one occasion they were inserted in the United States Postal Service Mailbox where I reside. 

This is very unprofessional and deceptive with attempts in collecting a fraudulent debt and disclosing personal information containing social security number. The documentation included address, social security number, amount for the debt for the apparent collection. 

Neighbors stated that they were approached by a female in a XXXX  XXXX  commuter car, in which then handed them a stack of papers. Upon receiving the documents and realizing it does not pertain to anyone to their address, they personally directed the correspondence to me. They advised me that they felt that was very unprofessional and rude for a collector to approach them in that manner. 

These types of practices should be looked upon and enforced to the local, state and/or federal levels to which they are violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit karma card was sent to me. However, there was no way for me to edit the text nbr that they have. It was old text nbr. I can not even change the text nbr and tried to find a way to reach credit karma. A live person was no where to he found. I submitted the info to change from old text to new text nbr, but ... this credit karma wants more info. I am not comfortable with giving private info thru email and prefer to speak to people thru phone to help me as a customer with the card to activate! There is no live person! This is same as XXXX ... no way to communicate with people in live persons. This is frustrating!! I need my XXXX card to be activated! And need to change my text nbr and bank info. They have my old bank info!
Product: Student loan

Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 
Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX  University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 
At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 
Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it. 
We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 
Thank you for your attention to this urgent matter. 
Sincerely, Students & Graduates of XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my annual credit report from Experian and it showed an account that is not mine. It is related to identity theft disputed this several times and Experian continues to keep it saying that company vertices this is correct after I explained that I was a victim of identity theft. Submitted the requested documentation and it still remain on my credit report.
Product: Debt collection

I was told I owe a debt that I never had and has never even shown up on my credit report and its 8 years old, statute of limitations in my state is 6 years, I asked for written copies of last payment made, original account number and when the account was opened and they told me they wont and dont have to give me that information because they are a third party but told me dates over the phone but no original account number and also said that they are going to impose liens and levies against me and are in the process of bringing a civil suit against me and are going after my name which will prevent me from getting a job in a bank or going into the military among other things and will show up on a background check.
Product: Mortgage

I had a closing for a house on XX/XX/2018 I had a problem with the real estate agent the closing company and the mortgage company all working together to Defraud me and overcharge me in many different way Violating many of the respa laws. XXXX XXXX  XXXX settlement company and Primary residential mortgage.i believe I am a victim of fraud at my closing.I have three different settlement statements I was told by my title company that I forgot to sign a HUD  form for the sellers morgage company in a short sale the day after closing. And they sent me a letter to sign giving them power of attorney to sign the HUD-1 form.i later requested a copy and all the fees were different. I have proof of everything and I believe the real estate agent mortgage broker and Title Company were all working together. The real estate agent was also trying to tell me that I had to pay the property taxes in advance and reimburse the sellers the same amount for taxes they paid in advance and the same time paying them to Escrow account so they were trying to charge me 3 times. And they charged the seller for the same thing and the mortgage company told me that I must not try use another mortgage company because if they run my credit it will lower my score and I will loss the short sale and Also she was trying to talk me out of putting a {$50000.00} deposit and I couldn't understand why till I realized that she would make more money with a larger mortgage.and the interest rate was not 4.5 like they told me it was 5.75 I have all the hud statements even the one they sighed for me without me being present.it is very confusing and it took me months to figure it out .and the last thing they did was Camouflaged a huge crack in the foundation and the settlement of the house would with shelves and household items they left with for the purchase. XXXX XXXX purchased the mortgage from primary residential mortgage I submitted a claim for XXXX XXXX about the different Hud statements they did their investigation in 20 days and send me a letter stating that everything looked good which I'm a 100 % positive that each item they charge me for is different.that why I am contact this agency
Product: Debt collection

They have called me upwards of 60 times in the past month. They are callingmy parents house, and harassing them, after repeatedly being asked to stop.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I previously submitted a claim regarding Navient for harassment, unwillingness to work with me on a payment amount for my loans ( they wanted more than my rent monthly which I could not even remotely afford ), refusal to provide a payment plan in writing, refusal to keep to a payment plan discussed over the phone, and general belligerent and unethical business practices. I worked with XXXX XXXX to resolve this, which took months but it appeared to have been resolved with my only paying XXXX interest monthly. He promised to waive all the late fees and to provide me payment plan in writing, which was the prerequisite to me making the payments as they often up my payments and my interest without reason and without warning. After this conversation, I went to look online and once again they were trying to charge me more than was agreed upon, and they still had not provided me anything in writing. I have contacted XXXX multiple times since then to no response whatsoever. I would like them investigated again and would like a response, we well as the payment Plan in writing I was promised and my account restored to the payment plan agreed Upon, with late fees waved due to their complete lack of response to these issues.
Product: Credit reporting

I disputed the erroneous, unlawful, purportedly negative account from XXXX XXXX appearing on my TransUnion, XXXX, and XXXX credit reports. It is a direct violation of FCRA to report an alleged outstanding debt if there is an ongoing billing investigation. To report this to the credit report is grossly premature especially considering the unlawful overage charges for data and breach of contract for an advertised unlimited service plan. Upon conclusion of the dispute investigation, TransUnion deleted the account. I just received notification that the same XXXX account was reinserted.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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 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 Balance : {$810.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$59000.00} XXXX XXXX XXXX  Balance : {$5400.00} XXXX XXXX XXXX  Balance : {$58000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$5300.00}