23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2021, I called Citi Bank to close my credit card account. They made me go thru XXXX and back to close it. They tried everything to get me to not close it. It was extremely frustrating and time consuming. I told them I'm getting close to retirement and want to pay off debts and asked for the amount I owed so i could close the account. Finally, I got an amount and it was paid. 

XX/XX/2021 CITI CARD ONLINE PAYMENT {$30000.00} ( from my bank statement ) At the beginning of XX/XX/2021, I started getting notices from Citi that I was late on a payment. I called and told them I closed the account and paid the amount Citi said I owed and they tried to say " Oh well there was some interest that accrued and wasn't paid and then there's a late fee because you didn't pay the interest ''. I explained the situation ... how I owed ZERO and wasn't paying another cent as they had given me the payoff amount. The woman said she understood and would take care of everything. Well, she didn't and 2 weeks later I was getting more calls. This time I talked to a guy who said ok, he would take care of zeroing out the balance. Well, he didn't and the calls kept coming. Yesterday, XX/XX/XXXX, I talked to XXXX in customer service. I tried to get the name and address of the executives in charge so I can file a small claims lawsuit for all the time and aggravation they have caused. She wouldn't give me any names or addresses of who I could serve with papers. NOTHING! That's not acceptable. The names and business addresses of these people should be available. XXXX ( no last name given ) gave me her customer service number - XXXX. She said she would take care of zeroing out the balance but I just got an email from them saying I owe money. 
This is a scam on consumers. When a customer calls for the balance due on the account because they want to pay it off, they should be given the amount and that should be the end of it. I had this same problem years ago when I tried to pay off my XXXX XXXX account. They kept coming after me for minor amounts that they said weren't in the final balance but somehow appeared after I paid off the card. We need a law to protect consumers from this type of treatment.
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, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX  XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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: Mortgage

I have had Aimloan as a mortgage company for quite a few years and every time funds are due including an insurance claim, an over payment of insurance, and currently an escrow amount due they take months to make payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a validation letter to this company and they have yet to respond it has been more than 30 days. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts.
Product: Money transfer, virtual currency, or money service

I wanted to transfer {$280000.00} from my XXXX bank account with XXXX to my JP Morgan Chase account on the XX/XX/XXXX. As far as I understand it was only sent the XX/XX/XXXX, but I can not say for certain. Unfortunately there was a typo in the forelast digit of the bank account number so allegedly the money was sent to a wrong bank account. My sending bank told me to wait for the money to be " rebounced '' by the recipient bank ( Chase ) for a month. That never happened. Nor did it reach my account with Chase. Now Chase says they do not know where the money is, they would not have it. As my sending bank in XXXX claims to not have it either, XXXX of them is lying. Why I think it is Chase : Chase 's answers were ambiguous and contradictory. They would never answer my sending bank 's ( XXXX ) recalls of the claim ( XXXX of them on the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) nor give me explicit written confirmation the money was NOT with them, only via telephone. Sometimes due to privacy policy, they could not tell me if there even was this account with the wrong account number, left alone tell me if the money ended up in this account, sometimes they said they never received any recalls from my sending bank. Last but not least, they have now informed me that the money has NEVER reached Chase, that there is and NEVER has been ANY trace of that money whatsoever, via telephone. In written form they have sent an answer so standardised, it does not reflect their spoken statement at all and quite frankly does not make sense. I asked them to give me a more concrete answer in written form, which they affirmed, only to send me the exact same answer again. 

That seems odd since 1. I have a transfer receipt of my sending bank and the little fact that the money is NOT at my disposal neither on my XXXX ( Wise ) nor on my US bank account ( Chase ). 
2. Chase is the " American banking partner '' of XXXX, so even if I would have sent this money to any other US bank institute, it would have been through the channels of Chase. 

So what Chase basically said they failed in contacting themselves and they can not find nor reclaim the money which was evidently sent to them and they must at least have a trace of it, if not as a recipient, than at least as the transmitting banking institute.
Product: Mortgage

The Loan from XXXX was NOT transferred to XXXX bank XXXX as stated in your letter. The assignment was done by MERS conveying the interest under the mortgage ( which they did n't have to assign to GMAC/XXXX XXXX XXXX XXXX ) on XXXX XXXX XXXX. Four Years after the Trust has closed and after GMACXXXX had filed Chapter XXXX, XXXX XXXX XXXX. According to XXXX Bank XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone number XXXX. They are only a TRUST not an investor they would only hold documents for the investor. The fact that the investor is bankrupt XXXX Bank is not sure on behalf of whom XXXX is collection for and why Ocwen has a lien on the property. None of the Documents mention Ocwen or XXXX Bank in anyway. 
Attached the Assignment to UNKOWN by MERS. 
Therefore the location of the original NOTE is being requested for viewing by borrower and borrowers attorney. No lean by Ocwen can exist for a note, that was never conveyed to XXXX Bank in XXXX. XXXX is NOT a note Holder, Ocwen is NOT a not holder and XXXX Bank America 's is only a trustee which holds records for investors. The question remains who is the investor that owns the mortgage NOTE- Location of the NOTE.
Product: Checking or savings account

I have been the victim of identity theft and have supporting documentation. I have asked for the information to be deleted from my credit report and from XXXX XXXX.
Product: Debt collection

There is an account that shows on my credit report that is the result of fraud. The FTC, Federal Reserve, and all the collection agencies that get sent the request to collect, research and find that the account does not belong to me. XXXX XXXXXXXX XXXX and XXXX  accounts do not belong on my report and representatives from their companies have agreed they find no account belonging to me. Equifax and XXXX need to remove those accounts from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Equifax has efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Equifax is reporting inaccurate information on XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( XXXX XXXX XXXX )
Product: Checking or savings account

I checked into a XXXX  XXXX on XX/XX/XXXX and checked out on XX/XX/XXXX. At that time XXXX charge my credit card {$100.00} hold. I check out of the hotel on XXXX XXXX. Advise me that they are releasing the hold. I reached out to XXXX on XX/XX/XXXX. They advised me they have released the whole of {$100.00} on my card. I need to contact Cash App. After I contact Cash App and advise them of this and file the dispute I get a denial from yall stating my claim is denied because of no error which is solely untrue. I reach back out to XXXX XXXX today. They provided me a full copy of my receipt to give to you guys because they do not want me to sue them. They advised that they are refunding me And also provided me my receipt to provide you guys to get my XXXX dollars back. This is my final attempt to receive my XXXX dollars back from cash app if it is not received, I will file a legal action in my XXXX XXXX court in the city of XXXX, Michigan in the state of Michigan for breach of contract in stolen funds. Here is a final copy of my receipt from XXXX. Please release my money. I do not have this extra money and I need my money for gas. I am so XXXX.
Product: Credit reporting or other personal consumer reports

I did not give expressed written consent to or authorize any third-party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, that no consent is identity theft : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Please promptly remove this data within 4 business days under 15 USC 1681-c-2 to avoid any further legal proceedingsThank you for your timely compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX  # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under un open end consumer credit plan as late for purpose.
Product: Money transfer, virtual currency, or money service

I am a user on XXXX and am trying to transfer my XXXX from my XXXX Etherum Vault to my XXXX Etherum Wallet, however, it appears that some how my secondary email ( which is needed to confirm a transfer out of a coinbase vault ) is incorrect. On XXXX/XXXX/XXXX I initially created a withdrawal, however, after 3 weeks my XXXX was still not available. I called XXXX Support on Monday XX/XX/XXXX and was told they are unable to change my secondary email address. The only way I can access this currency is to have my primary and secondary email approve the withdrawals, so unless XXXX can help me, my Etherum is inaccessible. 

A secondary issue that I have been dealing with sinceXX/XX/XXXX is my account is locked, so I am unable to make any additional transactions. I have called and emailed support upwards of 20+ times and have never been given a way to unlock my account. The phone support says to email my issue, but when I email, I never receive a response.
Product: Credit reporting or other personal consumer reports

I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports.

This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these accounts in 4 business days.
Product: Money transfer, virtual currency, or money service

I was scammed in XXXX for $ XXXX. I reported to the police. My bank account is Citibank and the money went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX The police filed a XXXX on my behalf to Citibank to provide information on my account to where the money went. Citibank replied saying that they could not find such information. This response is impossible as I have been a customer bank client and requested information on the account that they closed of mine because the scam.
Product: Debt collection

The company XXXX XXXX XXXX XXXX mailed me a medical collection bill on XXXX XXXX behalf for the amount of {$220.00} on XX/XX/XXXX. on XX/XX/XXXX I called CCS and successfully completed the payment for above referenced amount in full. 
I expected to get a receipt of some sort reflecting the debt was paid in full and how much had been paid for insurance purposes but after a couple of weeks I never received anything, to this date, I have spent countless hours between CCS and XXXX, called CCS in more then 6 different times and spoken with supervisors as well, asking for a receipt, they kept referring me back to the website, however after attempting the website early on the request for a receipt, the website will NOT reflect the amount that was paid at all, it will only reflect I do n't owe CCS anything which is not what my insurance needs, a receipt with amounts paid. What is more concerning, is the fact that XXXX XXXX can not find ANY credits on my name from a collections accounts after XX/XX/XXXX, which makes me think CCs is pocketing the money and not reporting appropriately. 
To make matters worse, this medical debt was paid with my Flexible spending account, which requires to substantiate with receipts, to this point given the fact this company CCS is not producing documentation showing the amount paid, my FSA card has been suspended until either I repay FSA or produce a valid receipt, and I am not able to pay for my medical expenses for me or my family 's, if I choose to repay FSA, I will be paying for this debt TWICE pretty much. 
In no way I am trying to throw XXXX XXXX under the bus on this complaint, I owed them money and I paid it, or so I was led to believe by CCS. 
Please help.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block , inc . ) due to inadequate customer service and unfair practices
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently settled the amount that Bank of America accumulated over a late fee charge, interests over several months and annual fee for a credit card that was linked to my checking account that I closed ( to use for online payment and billing statement access ). In XX/XX/XXXX, my last online payment was {$380.00}, paid in full as I closed my checking account, I had no access to the online statement and closed this credit card. Apparently in XX/XX/XXXX, balance was {$29.00} including {$1.00} fees charged. I did not receive any notification of my balance owed. In XX/XX/XXXX, fees were charged, balance became {$31.00}. The fee charges continued for several months without my knowledge. No phone call or mail to notify me that I still owe them on this credit card. During this time, there were no activities or purchases on the credit card. The XX/XX/XXXX statement showed an annual fee of {$50.00}. By XX/XX/XXXX, the total amount, balance was {$90.00}. They indicated 'charge-off adjustment '. I did not learn about these charges and amount owed until XX/XX/XXXX when a serious delinquency was reported to the credit bureaus and this caused derogatory information in my credit score. I contacted the creditor in XX/XX/XXXX to work on a settlement. I asked for hard copies of the billing statements because I had forgotten about this account from XX/XX/XXXX. 

I called and asked one of the Supervisors to waive the fees charged over the months as they failed to notify me, I did not have access to the billing statements online. There was no way for me to know I owed them any balance since I closed the account. The creditor refused my offer and demanded that I pay the full balance. 

As I was applying for credit on a big purchase this year, this came back to haunt me. The serious delinquency report lowered my credit score. I called, lost the battle and paid the balance of {$90.00} on XX/XX/XXXX. The representative assured me that I will get a letter in 10 business days to confirm that this has been settled and that derogatory item will be removed from my credit history. Three weeks had passed and I have not received the letter. I disputed with the Credit Bureaus but uncertain on what actions have been taken on their investigation.
Product: Debt collection

LVNV funding is resurgent collection. I have the two e-mails still to prove they closed my two collection accounts and canceled my two payment arrangements. I went to XXXX website but it takes me straight to resurgent capital services. They have no right to continue to report every month to my credit file if they have closed them. XXXX is lying in their responses just to continue to harass me and wrongfully report these two collection accounts. They still deny it even though I have sent proof. Just more XXXX of course they are going to deny harassing me.
Product: Credit card

XX/XX/year> I am illiterate & I can not get my money because my name is not addressed correctly. I'm a rich XXXX XXXX XXXXXXXXXXXX XXXX won't let me read or pretend to read my material.
Product: Credit reporting or other personal consumer reports

Kindly delete these inquiries. I'm not familiar with them, and the company conducted them without my permission.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX Formal Debt Dispute : Complaint against XXXX for over charging my mortgage account and ruining credit report - LOAN # : XXXX ( Serviced by XXXX ) We are previous XXXX XXXX  clients. In XX/XX/XXXX, XXXX took over our mortgage loan. We were paying principle {$1000.00} per month. ( 30 year fixed ) Our XXXX payment to XXXX XXXX was paid in XXXX and never transferred over to XXXX. Also, the property is a condo. The flood insurance certificate was sent to XXXX, for XXXX, and should have transferred. 

Suddenly, I and XXXX XXXX XXXX were reported as 30 days late to the credit reporting agencies. 

In addition, our condo association emailed a copy of the flood insurance policy to XXXX in XX/XX/XXXX, for XXXX. However, XXXX has been charging me {$1800.00} for insurance. XXXX confirmed that this would be rectified by the XXXX payment. This is still not fixed. 

We overpaid XXXX in XXXX ( to avoid being sent to collection ) and asked that the overpayment to be credited to XX/XX/XXXX. However, the overpayment still has not been credited. Moreover, we are still being over charged on the mortgage payment XXXX - XXXX = {$750.00} per month. 

XXXX is stating that they never received our flood insurance from XXXX XXXX for XXXX and we had an escrow. We were never aware of this situation as XXXX received copies of our flood insurance policies. We always submitted our flood insurance policies. We should not have an escrow balance from either mortgage company. XXXX received our flood insurance policies. 

( XXXX ) XXXX needs to correct my and XXXX XXXX credit report. ( 2 ) They owe one month ( overpayment ) to be credited to the account. ( 3 ) They need to correct the billing statements ( 4 ) They need to credit the XXXX and XXXX flood insurance and not charge an escrow from XXXX. ( XXXX ) They need to update the XXXX payment. I have a bank statement showing payment for XX/XX/XXXX. They are stating the payment is not paid.

I have been on the phone with the agents and two supervisors for XXXX months. However, this situation is still occurring and needs to be rectified. 

Thank you for your time in addressing this matter. 

Sincerely, XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my consumer report on XX/XX/year> and I noticed there are some inaccuracies reporting to my report! According to he FCRA and 15 usc 1681 I, when a consumer reporting agency crates a consumer report is should follow reasonable procedures to assure the maximum possible accuracy of the information concerning the person in which the report is reporting about! An also conduct a procedural investigation These accounts ( XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ), ( XXXX ), XXXX XXXX ), Are reporting inaccuracies
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX intentional put this comment on my credit report because I decided to close my account. 

COMMENT ADDED BY XXXX XXXX : Account closed at consumers request and dispute investigation completed consumer disagrees. 

Please Note : What is accurate about the statement : I did make the chose to close my account XXXX XXXX as it was no longer a trade-line that suited my needs anymore. I also sincerely felt under-valued as a customer by XXXX XXXX. The tramline limits where extremely low and rates to high in comparison to my other trade-lines. I also did not have the best customer service experience with request to adjust rates and increase limits. Thus, I chose to close the account in good standing. 

Was is not accurate about the statement : No dispute was filed internally with XXXX XXXXXXXX, nor with XXXX, TransUnion, or XXXX regarding my request to close an account ( I simply just went online and closed it ). Nor a dispute regarding balances, credit limits, or interest rate. Thus, it is false to make such a statement on the comments of this closed trade-in. As there was no Resolute to dispute. I just simply didn't want to do business with XXXX XXXX anymore. 

Furthermore, I sincerely believe this type commenting was intentional place on my file in a malicious to insure other credit opportunities might be withheld from me by implying that I dispute after resolution. Which would be a direct violation of the Fair Credit Reporting Act. 

Thus, I am requesting the comments be removed completely from XXXX, TransUnion, and XXXX and XXXX.