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

I had an online savings account with Citibank. On XX/XX/year>, I called Citi to close the account because I needed to use the funds in the account. A Citi representative told me that a check of {$100000.00} in my account would be mailed to me right away and I should expect to receive the check within XXXX to XXXX business days. But the check did not come after 15 days. So I called Citi again on XX/XX/XXXX. A representative first told me that the check was mailed on XX/XX/XXXX. But after I asked for specific information about the mailing, she then admitted that for some reason, the check was never mailed. She apologized to me and told me that she has entered a request to send the funds to my home address no later than XX/XX/XXXX. But the check again did not come. I called Citi again on XX/XX/XXXX. The first representative I talked to again told me the same lie as I have heard earlier. After my insistence, she agreed to transfer my phone to an account supervisor with the first name called XXXX. After having apologized to me for the prolonged delay, he told me that he had made an urgent request to send me the funds by UPS express in 24 hours but no later than 48 hours and Citi would notify me by email when the check was being mailed to me. But I have again been cheated by Citi ; the check never arrived as promised. So on XX/XX/XXXX, I again called Citi. The first representative again used the same false information to make me believe that Citi would take an urgent action to deliver the check to me. But I could not trust her words any more. So she transferred my phone to an account supervisor. This person again gave me false information and excuses to cover Citis failure to send me the money. After my repeated requests, she finally transferred my phone to a third person, who claimed that she is with Citi 's executive response unit, responsible for handling customer complaints. After I told her what I have experienced with Citi, I asked her to help me get my funds back. But she told me that it was beyond her scope of duty. As of today, I still have not received the funds in my savings account that was closed one month ago. Throughout the whole process, I have talked to seven Citi representatives ; each of them did not tell me the truth about Citi 's failure to deliver the funds to me. Instead, they used false information to cheat me by not returning the fund back to me.
Product: Mortgage

I attended a workshop and applied for a NACA mortgage. I completed my application and they took my money, but I have not been able to get a hold of a single person at any point in time during this process. 
I have called, their phone doesn't even ring through. You get the initial answering system and then it hangs up no matter how many extensions you try. I have emailed, with no response. This has been going on for MONTHS! 

They took my money and ignored me. They are supposed to let you know if your application has been denied by 60 days after applying. 

This company is fraudulent and misleading and a scam.
Product: Payday loan, title loan, personal loan, or advance loan

I purchased a membership subscription and paid for it through Klarna on XX/XX/XXXX, and then less than 24 hour later on the same day I requested to cancel the membership with the business. However they refused to refund the money to Klarna. I was not aware that they did not allow refunds before buying the subscription because they never made it known. I tried for weeks to get them to refund my money, but the business XXXX XXXX XXXX, refused. I reached out to Klarna to see if they would cancel the installments and refund my existing payments, but because they the merchant refused to refund the money Klarna also refused as well. Leaving me out {$600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

After my divorce was finalized on XX/XX/XXXX and my ex-husband took full financial responsibility for the mortgage, but before he completed the sale of the condo on XX/XX/XXXX, he stopped paying the mortgage payments resulting in two months of nonpayment on a {$140000.00} mortgage.

It is now reflected on my credit score and XXXX XXXX  has declined to make any effort to rectify my credit score even though I was not legally liable for the mortgage payment per my divorce settlement.

I have filed disputes with the three credit reporting agencies and provided my court-stamped marital settlement document : TransUnion ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). During their investigation, XXXX XXXX confirmed that the mortgage was in my name and the credit reporting agencies closed the dispute. 

Per the marital settlement, I did not have legal authority to conduct or otherwise speed up the sale of the property while my ex-husband was failing to pay the mortgage.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Online police report from local sheriffs office along with FTC XXXX Federal Trade Commission ) Report supporting my Data Breach/Identity Theft Dispute. 
The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My accounts were closed on XX/XX/XXXX without my permission for an unknown reason. Both my checking and savings accounts were closed as shown on the attached screenshot. I had not missed any payments nor received any notice that my accounts were endangered of being closed. I would have expected at the last a phone call and voicemail to contact me directly. I tried calling the Wells Fargo fraud department and they told me they could not figure out why the accounts were closed so I had to go see a banker at the nearest branch. After meeting with the banker he discovered that my accounts were closed due to a social security number error (the checking/saving accounts SSN did not match my credit card SSN) and that a cashiers check with all of my money was being mailed to me within 10 business days and they could not reopen my accounts with my money. Given that those accounts were open in XX/XX/XXXX, it took them 7 whole years before they decided to randomly close my account and leave me without any money as I do not have any other accounts elsewhere. All of the money in my account are student loans so I have no other source of income. Not only am I worried about my checks for around $8,000 worth of loans being sent out in the mail but it is also preposterous that I am being punished (closed accounts) for an error due that the bank failed to catch 7 years ago. Now I am told I have to wait for my checks, and go back to the bank and reopen new accounts. I am unsure if I will go back to wells fargo, especially with the way my accounts have been managed.
Product: Credit reporting or other personal consumer reports

The account was settled for deletion with a payment of {$410.00} on XX/XX/2024. I received a letter from XXXX XXXX on XX/XX/2024 that my account was settled and the balance is now {$0.00}. This is still being reflected as a collections account on my credit report.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2022 they reported me late to XXXX XXXX and Experian. When the company told me I had a deferral till XXXX on a recorded phone call. I had made phone calls numerous times and stated my financial hardship asking for help when they made the mistake of giving me the wrong deferral date. 
Not only were they giving me a hard time, but I just had a family member passed away on top of the lack of responsibility the took and its completely unprofessional. I first told them I initially had to pay money for my car which is on record at XXXX XXXX. They are illegally reporting a 30 day late payment when I was told other wise. They are in violation of the FCRA and I want it removed immediately. The lack of communication either supervisors and reps at the company is absolutely terrible. They should keep everyones records with proper information so these mistakes do not happen.
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, has violated my rights. 15 U.S.C 1681 section 602 A. States I have rights 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 am trying to get my PMI dropped off my mortgage. I have paid over 22 % of my principle off. I have requested a BPO appraisal. I sent Caliber Home Loans a check for {$100.00} to go the appraisal. They said they tried to contact me but I did not get a phone call. I did get a phone call on XX/XX/XXXX. The phone call said SPAM ALERT and no message was given. I also got a phone call from XXXX XXXX ( I believe XXXX XXXX bought the loan ) on XX/XX/XXXX. XXXX XXXX said they would do the appraisal. Then the appraisal was cancelled. XXXX XXXX told me to call Caliber. I called Caliber and they told me that XXXX XXXX should not have called me and that they would do the appraisal. They told me that the appraisal would be done by XX/XX/XXXX. I called today XX/XX/XXXX Caliber said they are refunding my {$100.00} check and I can reapply. This whole process has taken at least 3 months and now I have to start over. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is participating in deceptive practices I have reached out to the company numerous times about fraudulent accounts that are on my consumer report. I even educated them on the federal laws that they were violating and they still decided to violate my rights. 
They are in violation pursuant to 15 U.S code 1681 b permissible purposes. They are also in violation pursuant to 15 U.S code 1681i ( 5 ) ( B ) ( ii ) ( iii ) deleting items off of my report and putting them back on without sending a reinsertion letter. Furthermore, they are reporting an account on my report that is not only fraudulent but it is being reported incompletely because it has no account number. I've sent over my Ftc report that they said they could not accept I've sent over an affidavit of truth and i have sent my letter to them certified with a return receipt so I know they have received my demands in writing. Federal law also states that when an account is being reported as the fraud it needs to be removed within 5 business days but XXXX keeps telling me that they won't take it off. I already have enough evidence to sue XXXX in a federal courtroom for the multiple violations but I want to give them one last chance to fix there wrongdoing.
Product: Debt collection

Tru Accord XXXX XXXX XXXX XXXX contacted me about a charged of debt. {$470.00} XXXX XXXX XXXX XXXX XXXX Automated Agent ) ( TrueAccord ) XX/XX/2024, XXXX XXXX Hello XXXX, XXXX, XXXX Please read below for important disclosures.

TrueAccord is a debt collection agency and this is an attempt to collect debt. Any information obtained will be used for that purpose. We are required under state and/or federal law ( XXXX ) to notify consumers of certain rights. This does not include a complete list of rights you may have under state or federal laws or regulations. Federal Law or other state laws may also provide you with similar or even greater rights. 
Nothing on this page changes any of the rights we have previously explained to you. 

XXXX TrueAccord is licensed by the Department XXXXf Financial Protection and XXXX, license number XXXX. 
XXXX  Our XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX  This collection agency is licensed by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, license number : XXXX XXXX TrueAccord Corp is licensed to operate under permit number XXXX. 
XXXX  XXXXrueAccord Corp is licensed by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

A purchase was made while I was XXXX  in the total amount of {$310.00} Im not responsible for the purchase, but can give you an idea who might. The unsecured loan was taken action on XX/XX/year>. I just want to dispute the payment with the company by providing them with correct and accurate information, I reassured issue that its wasnt me that could possibly had make a purchase in that amount, I was incarcerated. I have fraud on my credit report that includes addresses and phone numbers that were unverified by me. Also I have my Arizona Department of Corrections transcript from my conviction date and release date.
Product: Mortgage

Hello, so starting on XXXX XXXX my mortgage payments started to not get applied to the regular payments. I reached out to Mr. Cooper and I was told that I had hazard insurance force placed on my account which was odd because I already have active insurance with XXXX XXXX XXXX. I also reached out to my insurance company and they didn't understand why either, so I called Mr. Coopers insurance company and they said it was updating in the system and told me to upload the insurance into their website which I then did. I was told everything will be takin care of. So come XXXX when I am at the end of my refinancing process when I receive the Payoff its stating I owe 2 months worth of interest payments and fees billed totaling around XXXX. I new this was not right so I went back to contacting Mr. Cooper and the insurance for Mr. Cooper and they both gave me the run around. The force placed insurance caused me to have to extend my refinance into the end of XXXX, I was unable to pay the regular mortgage payments on time because they were not getting applied correctly which caused more and more fees. I've had this loan for 2 yrs and never missed a payment until the hazard insurance was force placed. Please check out this issue as soon as possible. Thanks!
Product: Mortgage

Prior to XXXX we lived at XXXX XXXX XXXX. We paid off a loan and have a letter stating as such. When we went to move in XXXX there was a lein on the address. After discussion with an attorney about cost, in an effort to expedite the sale and our move, we paid US Bank again. This month I have received a document from US Bank with my new address stating a delinquency notice XX/XX/XXXX for the amount of XXXX. We should have fought this the first time but with court cost and trying to move quickly we just paid it off. 

US Bank refuses to put anything in writing about this document. This may cause numerous consumers to pay an invoice thats not even valid. We have paid them twice and they are now requesting more from almost 10 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated they investigated my account and issue correctly but this is not true because XXXX is still reporting account name XXXX XXXX  account number XXXX i already got this removed from my other XXXX reports but XXXX insists on keeping it. this is not the first time but my rights have been violated on numerous accounts. all three bureaus do not have all my information correct this is a direct violation of my rights. also to begin with the bureaus took longer than 30 days to complete my investigation. 

15 USC 1681 section 602 A. 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. 

The following are all accounts in which i did not give written consent to furnish on my report : XXXX XXXX XXXX ( DEBT COLLECTION TEAM DIRECT VIOLATION, I NEVER GAVE THEM THE RIGHT TO CONTACT ME OR OBTAIN MY INFORMATION. ) XXXX, XXXX OF XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX CARD, XXXX BANK, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX CREDIT, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX
Product: Debt collection

I tried to dispute the debt because I do not know of it. I was able to get it removed from my XXXX, but they will not remove it from my XXXX.
Product: Credit reporting

Reporting information from XXXX is incorrect. The original account was from XXXX. It was sold to XXXX and they are reporting an open date of XX/XX/XXXX when the actual date for the first collection was XX/XX/XXXX. This account is for early termination of service contract and not for the services provided. I did the dispute but the collections company and the credit reporting agencies will not change the incorrect information.
Product: Credit reporting or other personal consumer reports

Im writing to formally request that TransUnion block certain information on my credit report due to identity theft and fraud, in line with FCRA 605B ( 15 U.S.C. 1681c-2 ).

Here are the fraudulent accounts I need removed : 1. A collections account opened at XXXX XXXX XXXX on XX/XX/XXXX, with a balance of {$5100.00}, seemingly related to credit card at XXXX XXXX. 
XXXX. A collections account opened at XXXX XXXX XXXX on XX/XX/XXXX, with a balance of {$7400.00}, seemingly related to credit card at XXXX. 
XXXX. A collections account opened at XXXX XXXX XXXX on XX/XX/XXXX, with a balance of {$1800.00}, likely linked to the personal loan account at XXXX. 
XXXX. A collections account opened at XXXX XXXX XXXX on XX/XX/XXXX, with a balance of {$2500.00}, seemingly related to credit card at XXXX  XXXX. 

These accounts have resulted in multiple fraudulent hard inquiries and collections showing up on my consumer FICO credit report. I've attached a list of the hard inquiries in question, as well as a copy of my consumer FICO credit report from TransUnion showing these fraudulent items.

I do not recognize any of these accounts, collections, or hard inquiries. They were not opened, made, or initiated by me and are clearly the result of identity theft and fraud. Ive also included a copy of the FTC Identity Theft Criminal Complaint # [ report # ] as proof from the US Federal Trade Commission confirming that these accounts, collections, and inquiries are the result of identity theft and fraud.
Product: Debt collection

California Code, Civil Code - CIV 1785.15 Gives victims of identity theft the right to bring a civil action against anyone who improperly obtains access to a file, misuses file data, or fails to correct inaccurate file data..
Product: Debt collection

The following collection agency has damaged my credit reports with false claims that I owe them. I have never signed a contract with this company agreeing to pay a debt. CONSUMER ADJUSTMENT CO
Product: Mortgage

I recently spoke to a single point of contact to discuss the status of my escrow balance. I was charged {$260.00} for taxes and insurance. I informed all agents that I paid my own taxes and insurance. I requested a refund of all monies paid for this. I have provided evidence of my property taxes paid to XXXX XXXX and my insurance premium paid to XXXX XXXX. 


Please contact me as soon as possible at XXXX. This additional charge is the reason my account was delinquent and caused me to accrue additional fees. I am also requesting the removal of the added fees. 




XXXX XXXX XXXX XXXX XXXX Curriculum and XXXX XXXX XXXX XXXX XXXX XXXX XXXX University
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  Accounts below Derogatory Information 1 Account XXXX Date Reported XX/XX/XXXX Creditor Name XXXX Derogatory Information 2 Account XXXX Date Reported XX/XX/XXXX Creditor Name XXXX  XXXX  XXXX Derogatory Information 3 Account XXXX Date Reported XX/XX/XXXX Creditor Name 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 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.