23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I have a bluebird american express card purchased at XXXX. My account has been frozen and is under review. I was told this process would be completed in four business days. I called to check the status on this at least 4 times. Each time I was told 4 business days. I called back on the 4th day and was told i would get an answer by the end of the day. What time was considered the end of the day could not be provided by the agent. I heard nothing and called back again. I was then told it would be 5 business days. the agent said i was provided the wrong timing. How could that be XXXX different times by XXXX different people? I got the same answer that I was provided the wrong information and I would get an email about the status of my account. I called back the next day to check again. I was told an agent called me and did not get an answer so I would have to wait two more business days to get another call from them. I told the agent I was informed I would be contacted by email and that I was at work at the time I could n't answer the phone why do I have to wait two more days. A supervisor then got on the phone and said she would check and see what the next step was and she would call me back by XXXX eastern time. I got a call back at exactly XXXX XXXX and was told again they did not know the status and could not provide me any timing. I asked if there was someone in this mysterious backroom I could speak with. I asked if they needed more information or was there anything I could do to get an answer and my funds released. The answer was " the backroom office is unavailable and they are closed now anyway. I feel like this person waited to call me back until there was nobody else to speak with because they had all gone home. My payroll check is deposited on this account and my children have been at home alone for this amount of time because I did not have the money to get home to them, I also have been sleeping in my car because of this hold that nobody seems to be able to explain. I work hard for my money and it is too late for my payroll check to be deposited to a different account. I have now had to miss my children and their activities as well as being forced to sleep in my car due to this conflict of information and lack of an explanation for the hold on my account. The last answer I received at this time is " All the supervisors know my situation and when they hear from the backroom about the status of my account or what steps to take they will contact me. '' I asked when I might expect something and the answer was. " I ca n't provide timing, we are waiting to hear from the backroom. '' I feel like I have been getting the run around and want the company to be honest and forthcoming with information. I have no problem providing any information needed in order to get my paycheck.
Product: Debt collection

XXXX XXXX and XXXX have reported they verified by KEYBANK full account details. 

I am requesting full disclosure of dates and information shared with these companies
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$1900.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I receive a letter from an attorney about a lawsuit that has been file against me for credit card debt. and they can garnish my wages and seize my car etc.. i don't have no further information of that debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2015, A XXXX XXXX XXXX manager decided he wanted to evict me. He padded my rental account with {$1500.00} in late fees. We went to Small Claims Court in  Washington XXXX, XXXX, IN on XX/XX/2015. I had all my documents to show that I was not responsible for this outrageous amount and the attorney for the apartment complex could not support her argument once my documents were reviewed. 

Judge XXXX XXXX XXXX decided to " sever the relationship '' between XXXX XXXX XXXX  and I, and he did not order an eviction nor did he order a judgment against me. Still, XXXX XXXX XXXX, possibly in lieu of defeat, placed the bogus amount on my credit reports as a judgment, causing me mental anguish. 

I contacted XXXX and filed a dispute. I mailed them the documents I will attach here as proof. I even provided the Judge 's Order where it clearly states, " At the hearing, the Court was  unable to make a determination of what, if any, amount was owed. '' XXXX  still refused to remove the negative account from my credit report. This has now been on my credit report as " OPEN ''  for 3 years. 

I am filing this complaint against Experian because I believe if I dispute this collection with them, I will get the same result as XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XXXX XX/XX/scrub>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 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 XXXXXX/XX/year>
Product: Credit card or prepaid card

I received a letter dated XX/XX/XXXX that notified me that my account with you was closed due to late or returned payments. I am not responsible for those payments, and their return. I do not know who made those payments to my account. 

Please note that I have had this account since XXXX, and have never been late, or paid less than the full balance due on the same day of the month. Payments are made through autopay. 

I have called your customer service department and received an additional letter stating that you're unable to reopen my account.
Product: Mortgage

Ditech, XXXX XXXX XXXX, Green Tree it whatever title the company is going by this week is a joke!! I have been a victim of them for far too long. Not only are the employees rude, it goes beyond that, they downright harass you, and hang up on you if you decide to say anything back to them. 

My husband and I took out a mortgage with Green tree homes in 2013, this was by far the worst mistake of my life!!! In the beginning I was told my house payment would be {$450.00}, and the total cost of my home was {$51.00} XXXX. The House didnt even have a septic system so before buying we also had to finance this in with the cost of the house. The septic system that was put in never worked correctly and weve had to have it pumped once or twice a year. On top of that this took my {$450.00} payment up to {$600.00}. 

Fast forwarding some green tree has switched and is now ditech. I never agreed to finance through another company and had no knowledge of this. 

Fast forward again, we got behind on 3 payments around XXXX one year..they started harassing us and even called my neighbors stating my house payment was behind!! How embarrassing that was, and I never gave them permission to talk to anyone else about my account!! 

Fast forwarding again, my husband is currently laid off his XXXX  and XXXX  job and we are left without any income. I called ditech to see if we could do some sort of modification or payment deferral. The representative told me he has spoken with his manager and the following week when I came up with {$740.00} to pay on the escrow of the house and property he would deffer the payments we missed to the end of the loan. I call back to make that payment where Im informed that no deferral was ever approved, even though I was told it was. They told me making the payment wouldnt help me any because my account was getting ready to go into foreclosure. They said I either needed to pay all the past due amount or just let it go and lose my house and property. I told them I was going to look into filing bankruptcy because I do not want to lose my home. I call back and the representative asks me what Im doing with my money and says this is my home and I should be concerned about whats going on even though Ive worried myself so sick over all this Ive had to go on anxiety meds. I tell her Im trying to file bankruptcy and my lawyer should be contacting them, she then tells me it may not stop the foreclosure!!!! Why, I asked her and she said because thats the process. I told her she didnt have to be so rude to me, I was just trying to understand the process and shes provided me with the worst customer service Ive ever received in my life!!! Then she says goodbye and hangs up on me. 

This is by far the worst company Ive ever dealt with in my life, and theres so much I can explain further about all theyve done to us! Ive also saw online several class action suits against this company for kinds of fraudulent activities. Someone please do something about them, they rob people!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke to a customer service representative on XX/XX/XXXX about removing hard inquiries that were unauthorized/put on my account without my knowledge or permission. They argued they cant remove it. Not satisfied as a customer as they should be willing to remove inquiries that the consumer knows nothing about.
Product: Credit reporting or other personal consumer reports

I attempted to dispute these unauthorized inquires from Experian and they have not removed them., I have already contacted every creditor directly and they have no proof of permissible purpose or even a record of me on file. Herer are the inquires I want removed. 

ADMINISTRATION SERVICE - Inquiry Date : 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 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 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 XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day Sir/Ma'am : My circumstance does not exactly fit into the canned reasons provided in the online complaint application, however I am hoping I can get some assistance with this. As I believe it affects many if not all Consumers.

1. On XX/XX/2018, I paid off my family student loan with the U.S. Dept of Education in the amount of {$1200.00}, and made a payment on my XXXX Credit Card in the amount of {$10000.00}, and a subsequent payment of {$350.00} on XX/XX/2018. 

2. I took these payment measures not only to reduce my debt ratio, but to improve my credit score as well. Just prior to making these payments my credit score for XXXX XXXX was XXXX, and Equifax was XXXX. 

3. I was shocked and dismayed to find that XXXX XXXX penalized me 16 points off of my score for having paid off my student loan, bring my score to XXXX, and Equifax 1 point down to XXXX. 

4. This action by me to reduce my debt, and pay off my student debt should have been rewarded by adding points to my score, not deducting points. Especially 16 points down. This is not fair to consumers who are keeping up as best they can with paying their debt down.

5. This is a lose/lose situation being perpetrated on Consumers. I can see if the account had to be closed due to non-payment, where collections or a write off of the debt were required. However, this is not the case with me, as it most likely is not the case for many other consumers.

6. I am hoping to get credited back the 16 points ( XXXX ) from XXXX XXXX, and have the 16 points added to my original score of XXXX ( XXXX ). Although Equifax was not as harsh, deducting only one point, I feel the direction of the score should have been in the positive to XXXX. 

In closing, this is a unfair practice!! So much attention is placed on Consumers being responsible in managing their finances, paying down our debt, maintaining our creditworthiness, and when we do, we are penalized heavily for it ; therefore having negative effects on our credit worthiness. 

I greatly appreciate your assistance with this matter, as I am sure many other Consumers will. Thank you so much for this opportunity to file this complaint, and I look forward to hearing from you soon.

Most Respectfully, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 's databases were left unsecured and my information was stolen by hackers. My identity has now been compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Bankruptcy, accounts, and inquiries are not mine.
Product: Money transfer, virtual currency, or money service

I am trying to close my Ally Invest managed account and requested funds to be transferred using their " real-time '' option which states 1-2 minute transfer time. I have been trying to get the funds sitting as CASH since XXXX. 

After multiple calls, emails, and chats the funds will not transfer. It appears they are holding the funds ( $ XXXX ), XXXX. Hold times are 3.5 hours or more. 

They keep saying " today or tomorrow '' for the transfer to occur.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX KNOWINGLY AND PURPOSEFULLY ENGAGED IN THE UNLAWFUL USE OF MY CREDIT CARD ( SSN ) PURSUANT TO 15 USC 1602 . WHICH IS ALSO AGGRAVATED IDENTITY THEFT. BEFORE, DURING, OR AFTER THIS TRANSACTION THE PERTINENT FACTS OF THE MATTER WERE NOT SET FORTH IN A CLEAR, CONSPICUOUS, OR REASONABLE MANNER. THAT MEANS I NEVER RECEIVED ADEQUATE NOTICE MAKING IT IMPOSSIBLE FOR ME TO UNDERSTAND ANY AGREEMENT ( XXXX ) MAKING THEM XXXX. I WASN'T AWARE THAT XXXX XXXX XXXXXXXX WOULD BEREPORTING ANY DETAILS OF OUR RELATIONSHIP TO ANY XXXX PARTIES ( XXXX XXXX XXXX WHICH IS A DIRECT VIOLATION OF MY FEDERAL RIGHTS. IVE BEEN DENIED EXTENSIONS OF MY OWN CREDIT IN EXCESS OF WELL OVER {$100000.00} ( XXXX XXXX XXXX XXXX  ), IVE EXPERIENCED UNNECESSARY PAIN AND HARDSHIPS AS A RESULT OF XXXX XXXX XXXX NEGLIGENCE AND DEFAMATION OF MY CHARACTER. 

Account number XXXX
Product: Credit card or prepaid card

IVE BEN A VICTIAM OF IDENTFY THEFIET AND HAVE BEN IN THE PROCCESE OF DISPUTING AND RESLOVING THESES PROCCCES OF UNAUTHERIZD TRANSTIONS THAT HAVE BENN CHARGED TO THIS ACCOUNT HOW EVER THERE HAS BEN A MINOR SET BACK WITCH HAD KEPT US FROM MOVING FWORD WITH THE NEXT SET IN PROCCES IVE FILED A FINAL HARD SHIP DUE TO THE FACT THAT I HAVE A 3 DAY NOT ICED AND IT HAS NOT BEN TOOKEN IN TO CONSIDERATIORN OR BEN IMPLENTED ON THIS CASE PLESE
Product: Credit reporting or other personal consumer reports

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

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  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's 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 items of information, other than records of conviction of crimes which antedates the report by more then 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: Credit reporting, credit repair services, 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. 


XXXX XXXX XXXX XXXX- Has violated my rights XXXX XXXX - {$3400.00} - Has violated my rights UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX - Has violated my rights XXXX XXXX XX/XX/XXXX- Has violated my rights XXXX XX/XX/XXXX- Has violated my rights XXXX XX/XX/XXXX- Has violated my rights XXXX XXXXXXXX XXXX  - Has violated my rights XXXX XXXX XXXX. XX/XX/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 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: Mortgage

I was offered a loan modification that I signed and sent back promptly upon receiving in the first and second weeks of XXXX. After the first set of docs were sent, they said they did not receive all the documents. They sent another set, which again I signed and sent back. They said this set also failed and put me into active foreclosure, serving myself and all my family members. This is the EXACT same thing that happened when I was in forbearance and it took over a YEAR of back and forth documents being sent and the state of Illinois ended up paying the missed payments. This company is INCAPABLE of processing a simple loan modification agreement, and now I am in active foreclosure and at risk of losing my home because of their incompetence. I am filing a lawsuit.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I traded futures with Crypto.com and their XXXX XXXX. I asked to wire my balance {$400000.00} to my bank. They informed me that I had to prepay 20 % capital gains tax. They would pay the additional 5 %. XX/XX/XXXX I wired {$66000.00}. I was then told to wire {$24000.00} Gas tax ( Refundable ) to remove my money from the XXXX. They said I was suspected of money laundering, and I had to deposit an additional 50 % ( {$200000.00} ). I sent it on XX/XX/XXXX. I was told the bank in XXXX XXXX would wire my money in 15 to 30 days. When I asked if they could speed it up, they offered to go for me for an additional {$30000.00} plus expenses. I balked. They said that I would have to go to XXXX XXXX in person and sign anti laundering documents and then my money would be wired to my bank. They owe me {$620000.00}. 
I have reached out twice since to no avail. 
I am XXXX XXXX XXXX and have never been involved in money laundering. On XX/XX/XXXX, I had a XXXX. Chances are 25 % I could have another one. If you are having a XXXX, you have XXXX hours to get medical attention to reverse the aftereffects. I am not willing to take a 12 hour flight to a country where I can't speak or read the language or chance another XXXX out of the USA. I asked for assistance besides traveling, so far nothing. Please help me. 
Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

I have a new conventional mortgage loan with Direct Mortgage Corp. I own several other properties, and I have been trying very hard to get a copy of my monthly statement from Direct Mortgage Corp, as I need a copy as an underwriting condition related to the refinance of another one of my properties. The online portal for Direct Mortgage Corp does not have a copy of my statement, when I go to my online documents, all they have is a copy of my annual tax statement, but no copy of my normal monthly statement. I have called them about 5 times. Every time I call, I have to wait on hold for about an hour, so it is extremely difficult to reach them. Every time I have reached them, they have told me they are not able to provide with my statement, but that they can mail it. It has now been 3 weeks since the first time that they said they would mail it, but I have not received it. On another occasion, they said it would be available in the online portal within 3 days, it has been two weeks since that time and it is still not available in the online portal. on another occasion, they said they would email it to me within 3 days, and it has been a week since that time. I still don't have the statement, so I feel I have no other option to get their attention other than to publish this complaint, they have been extremely difficult to deal with, and I just can't understand why it should be so hard to provide a statement. Every other bank I deal with has a copy of all my recent statements in the online portal.