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

My Citibank has been closed with reason. Citibank withheld funds from my personal access after closing and restricting my account. 

no reason or dept contact was provided by local branch of Citibank or calling into the customer service lines. 

Whatever the ( undisclosed ) reason for the account closure, I have been unable to attain any Citibank related credit cards on the consumer market. Examples such as XXXX Citibank Visa card, XXXX XXXX or XXXXXXXX XXXX Dept store credit cards. 

Citibank has blacklisted my account and has not disclosed reasons for doing so. This has adversely impacted by ability to finance gasoline and perishable food and daily supplies at XXXX.
Product: Debt collection

XXXX XXXX XXXX has been harassing me in an attempt to collect a debt that was paid off over 10 years ago. This is another collection company that is trying to collect on a debt that was paid. This company threatened to take legal action on the very first call to me and would not listen to my side and kept changing their version of supposed previous events from a previous attempt. The caller tonight became verbally hostile on the phone and when asked for a cancelled check for a cancelled payment said they would not discuss the issue anymore and would see us in court.
Product: Mortgage

I XXXX Started working with XXXX around XX/XX/2016 on a home loan I were often given misleading information on the American mortgage program I asked XXXX twice can you buy any where you want in the state of XXXX he told me yes the biggest misleading information that was given was after I had gone under contract in XX/XX/2016 the realestate agent submitted a inspection objection addressing safety concern and items that needed to be fixed the items would be the owners responseability to repair I received a message from XXXX saying the appraisal has come in and it is subject to gutter down spouts I called XXXX and I asked him are theese the only items that need to be fixed to obtain the loan he told me yes so I called the realestate agent to let her know so she said let me verify this with XXXX so she verified it and we replaced the inspection objection with gutter, downspouts and extensions XXXX notifies me by email a couple of days after the inspection objection had been replaced and after verifying with him that those were the only items that needed to be fixed he sent me an email with all of the items we originally asked the sellers agent to have the owner to fix and then he said I would have to escrow for the repairs and that it XXXX affect my debt to income ratio this misleading information was caused by XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 


Subject : Disputed Inquiry on Consumer Report I hope this message finds you well. I am writing to bring to your attention an issue I have discovered while reviewing my consumer reports. Upon inspection, I noticed an inquiry on an account that I have never associated with or initiated. 
This inquiry appears to be a mistake and is impacting my credit report unfairly. Despite my efforts to rectify this directly with the credit reporting agencies, I have not received any resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I'm XXXX XXXX I'm a consumer summiting a complaint as a victim of identity theft. Experian, XXXX. has used and abused my personal information by furnishing my Non public information to other companies. This sharing of my personal information was not disclosed to me in writing. My right to privacy as been violated under the Gramm Leach Bliley Act of 1999. These violation need to be addressed As soon as possible as it has resulted in me being victim of identify theft. I demand all stated accounts be removed from my credit report with in the next 4 days as stated in law under under 15 U.S. Code 1681C-2 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 or other personal consumer reports

I am filing this complaint due to inaccurate and incomplete information being reported on my credit report. I have reviewed my report and found several issues that need immediate correction and deletion, which are in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The following errors exist on my credit report : 1. Inaccurate Names : Multiple variations of my name are listed, including incorrect spellings and versions of my first and/or middle names. The only correct name should be Letter enclosed.

2. Incorrect Address Information : Several addresses are reported that I have never lived at or have no association with. These addresses should be removed and replaced with my correct address : Letter enclosed.

3. Incorrect Phone Numbers : The phone numbers listed on my credit report are inaccurate. My only valid contact number should be Letter enclosed.

4. Incorrect Employment Information : My employment history is incorrectly reported. The correct employer is Letter enclosed, and all other entries should be deleted.

5. Removal of Social Security Number ( SSN ), Date of Birth ( DOB ), and Year : I request that my Social Security number, date of birth, and year of birth be removed from my credit report to ensure the safety and privacy of my personal information.

I have already contacted the credit reporting agencies to address these issues, but no meaningful corrections have been made, and the errors continue to affect my credit profile and score.

In accordance with the FCRA, I request that these inaccuracies be corrected, and the proper information be reflected on my credit report. Under the FDCPA, these agencies are obligated to ensure that only accurate, verifiable information is reported. I am requesting that these inaccuracies be fully removed from my credit file and that an updated credit report be sent to me showing all deletions.

Failure to comply with these requests will result in a formal complaint to the Federal Trade Commission ( FTC ), and I may pursue further legal action under both the FCRA and FDCPA.
Product: Payday loan, title loan, or personal loan

I got a {$800.00} loan. I lost my job and they are severely harassing me threatening to have me arrested
Product: Debt collection

On XX/XX/XXXX I received a letter from Wakefield & Assoc stating that they were representing my dermatologist in collecting an unpaid debt. The amount was for {$97.00}. I contacted my doctors office and they have no record of any unpaid bills or any collections actions against my account with them. 

From the Dr Office : Please call me at XXXX or on my cell phone, XXXX so we can review this together. I am not showing you have an outstanding balance or any notations of collections activity on youe account. Please send a copy of the collections letter you received so I can follow up on this as soon as possible. 

Thanks, XXXX XXXX, XXXX XXXX XXXX I have requested in writing via fax for them to prove this is a legitimate debt. They have not provided any such proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX card Delaware is on my accounts and was closed per report records in XXXX and XX/XX/2022 during dispute on their behalf. It was showing charged off multiple times but still an open account previously. This account needs removed for the inaccuracies and multiple incorrect errors from agencies. This has kept me from moving forward with my business plans and the ability to obtain the funding I need for supplies and proper equipment including transportation and home improvement. Due to this company and its lawyer, XXXX XXXX and XXXX placing a judgement lien on my home I now have had to work so hard to apply for loans with rates that are ridiculously high and will not cover what I need to get started. I am attaching documents for exhibits. I also what to address that I am at a time in my life where my situation has changed over the past several years and attempting to make a better life. However, it is this account that is absolutely in error and requesting to be removed deleted due to the violations of my rights example of identity issues other names, phone numbers, social security number and the accounting is showing only some information with past due amount of 120 days within 30 days when a payment was made on a closed account with a credit limit but its charged off. Can someone explain this? In XXXX and XXXX, XXXX XXXX
Product: Debt collection

I have sent XXXX letters dated XX/XX/2020 XX/XX/2020, and XX/XX/2020. 



Asking them to Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? and evidence that I am legally responsible for the debt. And they have not provided the information at all.
Product: Student loan

During the COVID-19 lockdown, my student loans were transferred from Great Lakes to Nelnet. My first payment was due in XX/XX/XXXX, which I made on time. I then paid the following months bill, which was for the same amount of {$29.00} ( this is actually the amount shown on my Income Driven Repayment Annual Notice issued by Nelnet themselves ). As XXXX rolled around, I received a statement that said no further payments were due until XX/XX/XXXX ( this clearly was not correct, as I never overpaid or paid more than the minimum due ). 
I called Nelnet for what would be the first of many times, and they couldnt really give me a straight answer ; they just recommended paying the amount on my IDR Annual Notice even if my statements were inaccurate ( the first red flag ). I did just that, and now Im seeing a different payment amount for XXXX ( {$25.00}, which makes no sense given that my payments are supposed to be {$29.00} monthly ). AND apparently I owe nothing for XXXX somehow even though I havent paid XXXX yet. My payment amounts and due dates are NEVER consistent when I should be paying {$29.00} per month. To add to my confusion, I called Nelnet back where yet another unqualified customer support agent told me that my monthly amount due would change to around {$90.00} in the coming months. HOW? I received zero notice and their own IDR Annual Notice clearly states that my amount due is {$29.00} EVERY MONTH. In fact, what she says makes zero sense given my current income level and my repayment plan ; anybody can figure out their rough payment amount online, and mine certainly shouldnt be close to {$90.00}. 
I have a right to know what I owe, when I owe it, and why I owe it. Nelnet cant explain any of that to me. In an attempt to fix my account, theyve placed some of my loans under administrative forbearance and now my interest has BALLOONED over {$120.00} in just mere days ( there shouldnt be any interest accrual during Forbearance, let alone way more than my actual rate ). I have wasted hours and hours of my life trying to get some straight answers from this abysmal company and I cant bear to call them again because they have NO IDEA what they are doing over there. I NEVER had to call Great Lakes because they understood that paying a monthly bill shouldnt be a hassle. 

This company is ruining peoples lives. A quick search of recent complaints will tell you that NELNET NEEDS TO BE INVESTIGATED AND SHUT DOWN UNTIL EVERYTHING IS FIXED.
Product: Debt collection

Hunter Warfield is trying to collect {$150.00} for carpet replacement. I have asked Hunter Warfield to abide by the Texas law which states, " The landlord may not charge you for normal wear and tear on the premises and may only charge for actual abnormal damage. '' My use of the carpet did not go beyond normal wear and tear. 

I have disputed the validity of this collection several times, Hunter Warfield was unable to provide any proof such as pictures. The XXXX XXXX no longer owns XXXX XXXX XXXX. 

To this date, the collection remains on my credit report, and Hunter Warfield refuses to delete the account from my credit report, despite several goodwill efforts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing a complaint on this company for multiple reasons 1. Bank of America I was in the process of shopping for a new bank account as I pulled my credit I have noticed that Bank of America charge Off this account on my credit and I have never received a 1099 form can you please go ahead and send that now. 2. To Whom it may concern, While looking at my credit reports I have noticed the following account had a discrepancy in the payment history '' section of the listing BANK OF AMERICA XXXX This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. 
Because of this apparent neglect in assuring everything in my report accurate, consistent and up to date please " DELETE '' this item immediately : BANK OF AMERICA XXXX When the requested above deletions are made, please mail me an updated copy of my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by the three ( 3 ) parties listed below : XXXX  XXXX. XXXX XXXX XXXX, GA XXXX Experian XXXX. XXXX  XXXX XXXX, TX XXXX XXXX   XXXX XXXX. XXXX XXXX  XXXX, PA XXXX After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by the three ( 3 ) parties listed below : XXXX  XXXX. XXXX XXXX XXXX, GA XXXX Experian XXXX. XXXX  XXXX XXXX, TX XXXX XXXX  XXXX XXXX. XXXX XXXX  XXXX, PA XXXX After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Product: Mortgage

As of the date of my last complaint, XX/XX/2019, I received a call from XXXX, an escrow analyst at BMO Harris, and she advised me on XX/XX/XXXX that the corrections had been made, the payment corrected, and the escrow overage returned. She specifically stated that the check would go out that day ( XX/XX/XXXX ). I followed up with XXXX on XX/XX/XXXX to clarify the amount of the refund, and to confirm that the check had been sent out on Friday, XX/XX/XXXX. She provided the refund amount, confirmed that the check had been sent, and advised that my new payment would go into effect XX/XX/2019. I had not received anything as of XXXX so I reached back out to XXXX and left a message. I also left a message with their escrow team as well. When I did not get a response from either, I call their customer service team. I spoke with a rep named XXXX, and he advised that the check was just sent on XXXX. I mentioned how frustrating this whole process has been for me, and he laughed and stated, " At least this is done now. '' First of all that is an exceptionally poor response when someone tells you they are frustrated and been dealing with it for almost 2 months. Secondly, I have no faith in the info provided as this is now the second date provided for when my refund check was sent. Thirdly I have no faith that my payment will actually adjust.
Product: Mortgage

Amended complaint re : XXXX Escrow analysis for Gateway Mortgage Acct no. XXXX XXXX XXXX XXXX XXXX XXXX ; complaint id : XXXX According to Gateway Mortgage 's records, and mine, my property taxes have not gone up from XXXX to XXXX ( see attached ) and property taxes for XXXX have not yet been issued. 

Gateway 's own records indicate that in XX/XX/XXXX, it made an escrow disbursement on my behalf for my homeowner 's insurance in the amount of {$2700.00}. Their records also indicate that in XX/XX/XXXX, Gateway will make a disbursement to XXXX XXXX ( again for my homeowner 's insurance ) for the exact same amount. If that's true, there is no increase in my homeowner 's insurance. Thus, there is no basis for a " shortage payment '' of $ XXXX. At the very least, they have not shown where the increase is coming from. 

Also, I do believe I have a new provider for hazard insurance. Who is that? I dont think it is still XXXX XXXX as they indicated. Did they pay the wrong insurance provider? 

Also, their escrow analysis indicates that I have to pay an increased " escrow payment '' of {$54.00} per month. Why? I can not find an explanation for this and none has been provided to me. 

If I have a total increase of $ XXXX. That's a total increase of {$1300.00} for the year. Yet, Gateway claims that I have an " escrow shortage '' and that if this shortage is spread out for the year it equals to a total yearly shortage of {$700.00} ( and not {$1300.00} ). That makes no sense. 

Further, Gateway 's records of my " escrow account history '' indicates that from XX/XX/XXXX to XX/XX/XXXX, they projected that I would pay only {$4700.00}. However, their records also indicate that for this same period, I actually paid Gateway {$6200.00} ( meaning I paid {$1500.00} more than what the company projected. So, if anything I should have a surplus. 

Finally, instead of receiving any correspondence or even a phone call explaining the purported shortage I owe, I received a notice indicating that Gateway has charged me a {$78.00} " accrued late charge. '' See attached. This screams unfair business practices in my opinion and I believe that if someone at Gateway would simply call me, this could be sorted out.
Product: Debt collection

Progressive account # XXXX I am writing to dispute this debt. XXXX XXXX XXXX XXXX XXXX keep calling me in reference to this debt even though I have wrote them a cease and decease letter and request validation ( a written contract bearing my signature to support their alleged debt. I have given them more than 30 days which is the required time by the FDCA. I have not heard back from them. I would like to request an investigation for I have never had any business relationship with this company or the company they represent. I know my rights and I will not hesitate to take all legal necessary steps to protect myself. i am recording all call from this company and keeping a record of all correspondence from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello good morning, I have been trying to get these few fraudulent accounts off my credit report and I reach out to the XXXX XXXX and equifax regarding this and they explained that i need an ftc report. This is affecting my credit profile really bad. Again, I am a victim of identity theft. These accounts listed are not related to any transaction done by me. I also called the companies regarding this identity theft and they told me to reach out to the bureaus. I have attached the FTC report and my driver license to help verify my identity. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some accounts on my credit report that is a result of identity theft I've disputed it and also sent in my FTC identity theft report to let them know and they didn't even give me any results or investigate the account correctly
Product: Credit card or prepaid card

Goldman and Sachs is accepting my payments and not crediting my account so I can use the credit and additional funds I have sent to them. My payments WERE NOT RETURNED SO THEY ACCEPTED THEM. THE FIRST PAYMENT THEY REVERSED AND KEPT THE FUNDS. 
Failure to honor, and credit the intended account has caused loss injury and harm. An offer of performance was tendered, in good faith as full satisfaction of the claim referenced herein, with the intent of extinguishing any alleged debt, duty, obligation, or liability. It is their duty to honor this instrument, to know, abide by, and operate under the law, 18 USC 8 applies.

This Note, credit agreements, bills of exchange and checks are defined as legal tender, or money, by the statutes such as 12 USC 1813 ( 1 ) ( 1 ), UCC 1-201 ( 24 ), 3-104, 8-102 ( 9 ), 9-102 ( 9 ), ( 11 ), ( 12 ) b, ( 49 ), ( 64 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquires on my Equifax credit report that I don't recognize nor did I authorize
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zell 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering list funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Money transfer, virtual currency, or money service

PayPal is allowing people to hack the account. When you dispute the payment, it comes back in favor of the scammer. I disputed a charge from service farouki because its not a charge from my money that was authorized. PayPal came back saying I paid for the service and the charge is valid. There is no service or merchandise, just somebody hacking accounts and taking money from them.
Product: Credit card or prepaid card

I applied for American Express XXXX XXXX card in XX/XX/2021. The welcome offer was XXXX  XXXX points if I spend XXXX dollars in the first three months. I finished this task but I did not receive the points. 

1. In late XX/XX/2021, I called American Express asking them to start an investigation. They said they had told me I was not eligible for the welcome offer when I opened the account. BUT IT'S NOT TRUE. I was NEVER told I was not eligible when I submitted my application. I requested them to provide any proof to support their reasonings, and they have not been able to do so. 

2. I asked them why I was not eligible, and they told me because I had already got an American Express Gold card. They also said the current terms stay the same that if you are a current customer, they can not provide the rewards points. IT'S NOT TRUE EITHER. The current terms say you are not eligible if and only if you hold the exactly same card ( In this case, the Amex XXXX XXXX card ) in the past. I never hold an Amex XXXX XXXX card before. 

3. I called Amex again in XXXX and filed a new request for investigation, and the case # is XXXX