23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I sent out a letter to all three credit bureaus to have the debt from Phoenix Financial Services, LLC to be verified. I do not know where the debt is from, and I understand i have the right to have any debt reported verified. I did receive this letter dated XX/XX/2021 from them stating the were unable to obtain the verification, and will remove it from the credit bureaus and from my credit report. I don't know where this debt is from, and how do I know it is mine?! However, it is still reporting, and till this day the debt has not been verified. I tried to follow up on this, and the only response I'm getting is from collection companies trying to get me to pay them. I don't know where this is from, and it it misleading. This is causing me so much XXXX, and XXXX. Please help me get this resolved. they said they couldn't validate the debt, so how can they still try to collect this debt. Please help me get them to stop trying to charge me something they cant verify is mine, and please help me get them to remove it from my credit as they stated they would. thank you so much!
Product: Checking or savings account

XXXX was the executive from Wells Fargo who requested top secret information from me and blackmailed me if I did not give it to her to she would deny all my fraud claims and I would lose all my money and thats exactly what she did to me. I lost all my funds there stolen from me while I was out of the country XXXX XXXX  for my country under a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This was above XXXX pay grade and mine. Now XXXX has stolen from me over XXXX worth of dollars by denying real fraud claims. I did not spend the money yet I still have to lose my hard earned money .Wells Fargo can not produce video footage, or statements or anything to show I made these purchases because I didnt make them. Wells Fargo stole over XXXX from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1881 Sectign 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

In XXXX of XXXX, several of my student loans were approved for discharge due to Borrowers Defense. The discharge of these loans is still pending. Until these loans are discharged, my student loan account should be in forbearance. This has been communicated to Mohela on several occasions by me and by The Department of Education. My loan has been in repayment since XXXX of XXXX and should not be in repayment. They also had my repayment amount at over {$900.00} on the SAVE plan, which was calculated incorrectly. It is currently in repayment and should be in forbearance due to the pending discharge through Borrowers Defense. We have called Mohela numerous times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) and requested the forbearance and sent numerous written communication with attachments from The Department of Education. We have contacted the Borrowers Defense department through Student Aid and they have indicated they have sent numerous communications to Mohela, all to no avail. A complaint was filed with Student Aid and they indicated again they loans should be in forbearance until the discharge is processed and that has been communicated to the servicer. The most recent letter was sent to Mohela and received by them on XX/XX/XXXX and again no response or action.
Product: Debt collection

I ordered XXXX XXXX hoodies and XXXX boots from XXXX The XXXX boots came and were delivered along with the photo from XXXX. The hoodies were shipped seperately and they were misdelivered-along with fedexs photo showing a different background and wrong address. I called SEVERAL times with a few case numbers given but they would not remove the charges even though all proof and documentation was sent to XXXX. XXXX even said for XXXX  to file a claim do they would get reimbursed and XXXX REFUSED.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I wrote my first dispute on XX/XX/XXXX and did not receive anything back from Equifax and XXXX. XXXX  sent me an incomplete letter ( which i know now it was a stall letter ). I now sent a second round on XX/XX/XXXX.  However, they did not answer my first dispute and according to the Fair Credit Reporting Act that they had more than 30 days they need to delete the information on my credit report. This is hurting my credit worthiness. I do not want the credit bureaus sending a letter saying they are investigating when they have had since XX/XX/XXXX. It is now XXXX and I have yet to receive anything else.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Thank you for addressing the following concernsregarding the Foreclosure and Resale of XXXX XXXX XXXX XXXX, Texas XXXX of complaint to the Fair Housing Authority, due to issues that occurred once delinquent. Also, violations of the Comptroller of Currency ( O.C.C. ) will display Compliance risk, Credit risk, and Strategic Risk, which are violators of the Unfair Deceptive Abusive Act Practices. 
Furthermore, within the Fair Credit Reporting Act sections 610 & 611 with credit reporting. Sec. 802. [ 42 U.S.C. 3602 ] under the Fair Housing Act In conjunction with the Uniform Residental Loan Application Agreement, which under section the " liability after foreclosure, '' which may protect consumers after foreclosure of a remaining balance. 

While the original loan provider Ocwen Co. targeted me financially unsophisticated while facing distressers, age characteristics, and decent. 
Credit Risk, while undergoing the modification process, the term of the contract of 360 months increased to 420 months. In contrast, the agreement 's duration, the modification did not display any significant changes. 

Strategic Risk if the home was foreclosed and sold at {$170.00} XXXX, the original loan was {$160.00} XXXX if there were equity within the property. What resources could have allocated to ensure a full understanding of what could have prevented foreclosure? 

They're compromising notations within all Credit Reporting Agenciesfalse information furnished on credit profile with the possible intent to possibly due harm. With the continued inscriptions, creditworthiness and score continue to decrease. 

The property foreclosed was valued at XXXX and sold for XXXX XXXX. The original loan amount closed XX/XX/2005 for {$160000.00}. 
I am requesting equity on the property during the time of foreclosure. If the valued property did not increase, which could have prevented foreclosure, how was this formulated? T During the proceeds, documents were unclear even during the refinancing of the mortgage. Areas of uncertainty arrived when the modification didn't assist with financial troubles, under the Loan Application Agreement,  which under section the " liability after foreclosure, '' may protect consumers after a remaining balance. The protection which may have prevented any additional debt on the home, I was forced to forclosed. 
P.H.H. company who service property issued documents for signature ; however, unclear of verbiage. While new provisions set, I can stay in a home as a tenant and no longer a possible homeowner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I still have an account on my credit report from all 3 bureaus when the account is past 7 years and 180 days. and I can not get my parent plus loan or anything. it's affecting my credit score as well.
Product: Checking or savings account

I had an account open with Citibank for a month ( opened in XXXX XXXX, and the account was already connected to brokerages for long term investing as well as my XXXX and XXXX. One day I decided to apply for a credit card in an attempt to consolidate debt, and the consumer report enacted a further investigation into my account resulting in the decision to close my account on XX/XX/XXXX while many transactions were processing. 

No warning or notifications were given to me. No emails, phone calls, texts or any automated messages when trying to sign in. Suddenly my access to my accounts was completely blocked ( I had recently opened a saving account as well ), and I was forced to contact them. I was endlessly referred to other departments and spoken to as if I were an animal. I called numerous times and they refused to tell me why my accounts were blocked, refused to release my funds, and refused to release my bank statements until XX/XX/XXXX after repeated attempts. 

Their decision not only blocked access to half of my liquid assets, but also resulted in transaction reversals and the loss of funds from two separate investment companies and was the largest financial disruption I have ever experienced. XXXX XXXX XXXX were inaccessible in a time of need, and they allowed transfers going into my account after it was supposedly closed but not out. I spoke to representatives who were rude and had no empathy for a father who supports a family on his own. Also, I have been given no precise dates as to when to expect the return of my funds. They have quoted that it could take two months!

The anxiety and the dread this caused me is/was to such an extreme, I would likely spend 20 years taking Citibank to court if needed to in order to get justice. I would very much like assistance. My family needs compensation and their policies must to change so that this absurdity can not repeat. They operate like an illegal XXXX XXXX  or criminal organization and they have the power to financially destroy American families. Their policies must be changed and they need to pay for the suffering they caused me and my family. 

The image attached in the letter received nearly 2 weeks after the decision was made to close my account.
Product: Mortgage

Carrington Mortgage Services , LLC is committing mail fraud by posting false address of us in the website addressed as : XXXX XXXX XXXX 
Anyone creating a free account of the website and logs in can search by the property address of XXXX XXXX XXXX, XXXX, TX XXXX, will see the fraudulent page that would display our fraudulent information. 
Our address has been posted to be : XXXX XXXX XXXX, XXXX, TX XXXX. 
They are using this mailing address to post their auction for our property. 
This has been done to fraudulently access the mails of interested buyer who would be willing to buy our property and communicates with us. 
Also Carrington, in the site, has posted the straw borrower 's information and the flipped mortgage loan information to increase the foreclosure bid higher for the house. 
This is an example of how low can a mortgage servicer/lender can stoop down to in committing mortgage fraud. 
This act qualifies for both fraud for money and fraud for property.
Product: Debt collection

Agency continues to call my cell phone even after verbal notification that my cell number does not belong to the person they are attempting to contact.
Product: Credit card

XXXX XXXX to use my card and realized the card had expired so I called the company and they informed me the account was closed and they would not reissue my card. After giving the representative my information she stated it did not match what they had on record. The only difference is the card XXXX XXXX XXXX an email stating I would not have a payment due on my account because of an allegation of fraud. This has not been the case since I called to inquire about my card being replaced. 
XXXX XXXX I received an email stating my new card was sent out but never arrived. The number on the card still does not match the card I have noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Checking or savings account

The Apple Bank branch on XXXX XXXX is closed again due to " the impact of Covid 19 in this area. '' There is no special impact of Covid 19 in this area at this time. It is not a yellow, orange or red zone, does not have positivity rates larger than other areas of the city, if anything they are smaller. 

When their branch is closed, many services are unavailable. Their online options are limited and the amount of cash withdrawal allowed from the ATM is limited. 

They were already open for very limited hours before this ( about half of their prior availability ) and it is making it very hard to continue to bank with them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Ss # XXXX XXXX XXXX XXXX XXXX XXXX Fl. XXXX I requested my credit report from Equifax and found an open collection account by a Company called XXXX in the amount of {$5200.00}. I do not have an open account/contract with this company and this information should not be on my credit report. I have requested for this account be removed off my credit report due to the information being inaccurate and is hurting my credit score. The account # on my Equifax XXXX. This account is only listed on my Equifax account not the other two creditors. I am requesting this account to be removed immediately.
Product: Credit reporting or other personal consumer reports

Ive called and sent in certified mail documents with accurate information and it has not been changed and still remains on my report.
Product: Credit reporting

Transunion is currently reporting the following inquires on my credit file are over 2 years old. 

all of these inquiries are from XX/XX/2014-XX/XX/2014 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX 9. XXXX 10. XXXX XXXX 11. XXXX 12. XXXX XXXX XXXX 13. XXXX XXXX XXXX via XXXX XXXX XXXX 14. XXXX XXXX XXXX
Product: Debt collection

Company known as Jefferson Capital Systems has been attempting to collect an unpaid phone bill totalling {$730.00} from XXXX, owed by my deceased father. I have disputed the debt multiple times but they continue to claim that I owe the bill though I have never had a an account with XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inquiry listed on my credit report. I have not authorized this inquiry and have no association with the listed creditor.
Product: Checking or savings account

I made a down payment for furniture at the beginning of XXXX under the impression I would be moving by mid XXXX for the amount of XXXX dollars. About 2 weeks later I was placed on bed rest due to complications with me XXXX. I contacted the company I purchased the furniture from and requested a cancellation. Spoke with the manager and was told to dispute the charge with the bank when they refused to work with me on a refund. As well as the unit I was promised never being vacated by the previous tenant, effectively canceling my move for the foreseeable future of at least a year. My bank has effectively issued a credit from me opening a dispute and taken it back from my account with no warning. I am unemployed due to XXXX and the pandemic resulting in lay offs in my career field which is XXXX so its disheartening to punished for complications beyond my control. I never received the furniture and had a remaining balance.
Product: Credit reporting or other personal consumer reports

This is regarding my previous complaints and identity theft case : ID FOR COMPLAINT SENT TO XXXX, ID FOR COMPLAINT SENT TO EQUIFAXXXXX, ID FOR COMPLAINT SENT TO XXXX. According to the results given, the fraudulent accounts and inquiries were supposed to be deleted, but upon checking my credit reports, the fraud items are still somehow reporting. Could you please check and delete them completely from my reports? 

Here are the fraud accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fraud Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete these hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached my FTC reports, dispute letters, and IDs for your reference
Product: Money transfer, virtual currency, or money service

On XX/XX/year> Gemini Trust Company , LLC ( gemini.com ) transferred {$5000.00} from my bank account to my Gemini account without my authorization. I found out about this via a phone call from someone claiming to be from Gemini. They stated that someone transferred {$50000.00} from my bank. I tried to log into my Gemini account, but could not remember my password. I requested a password change which should send me an email. I did not receive an email. I always check the spam folder. The person on the phone sent a link to my phone asking me to enter my seed phrase/private key. This indicated to me that this was a scam, so I hung up. I checked my bank and {$5000.00} had been transferred. I was able to remember my password, so I logged in and locked my account and changed my password. I am trying to withdrawal my funds. The site says my account is locked and to click the link to start the process of unlocking my account. This should email me a help ticket number. It does not. Again, also not in spam folder. I've tried this at least 5 times. I did connect to a help agent ( XXXX XXXX ). It attempted to email me, which didn't work. I provided a different email, I have not had any other contact from Gemini. No one else has my password. I have XXXX. I checked with my cell provider, this was not a sim attack. I can only conclude that a Gemini employee transferred my money. Especially since they have shown no interest in helping me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Futhermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.