23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I refinance my house and decided to pay off a few high interest loans one of them was the company XXXX that I used during my divorce in 2020. The mortgage company or perhaps the escrow company or maybe the title company admitted to a mistake on my payoff. They paid off my credit card with XXXX instead. It took me a few days to discover the error. Once I discovered the error everyone was off for the holiday. So I took additional time to get a response. They said their hands were tied and they could not move the money back from XXXX to XXXX  and admitted their mistake. I had to get a cash out check that cost me {$390.00} to send to XXXX  to pay off them. Now my credit card is maxed out and Im going to be charged 10.9 % interest and it will take me 17 years and over {$15000.00} in interest to pay off their mistake. I spoke with them several times over email and telephone. They sent me a small check of {$260.00} to cover my expenses but the expenses are now {$300.00} more not to mention the {$17000.00} it will cost me to pay this off as it shouldve been paid off when I refinance my house through Veterans United.
Product: Checking or savings account

I have unfortunately been a victim of identity theft and on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XX/XX/XXXX My XXXX unemployment debit card which is issued by Central Trust Bank was compromised. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I filed a dispute with XXXX cardholder services. I also filed a police report on XX/XX/XXXX and I've filed a report with the Federal Trade Commission on XX/XX/XXXX. I've submitted all of the above including XXXX XXXX XXXX XXXX the police report and the FTC report as evidence along with the transaction dispute form provided by cardholder services. 
I've yet to be credited for any of the transactions that took place with my account starting on XX/XX/XXXX at XXXXXXXX XXXX with an electronic ( ACH ) funds transfer from card to bank account {$5000.00} personal savings ACH withdrawal. A total {$13000.00} had been taken in total. 
XX/XX/XXXX I was informed by an account specialist with XXXX cardholder services my account has been pre-determined from here on that that no error will be found to have occured what information I send them i this dispute has been investigated multiple times I don't see how these people aren't investigating and working with the other financial institution to where the ACH transfers were sent to it has the names of the individuals and the accounts where they sent my money to right there in the bank statements. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've asked for documents as to how they have concluded the investigation and all they send me is a bank statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I requested an investigation for some items that did not seem correct on my credit report. I provided specific reasons why the accounts were being challenged along with specific instructions on what should happen to the account in the requested information could not be provided within 30 days according to the FCRA. 

40 days went by and the items still were appearing on my credit report and the method of verification still was not provided. 

On XX/XX/2022, I requested a re-investigation into those same accounts with the same results. Nothing was removed and the method of verification has not been provided. 

It is now, XX/XX/2022, and the accounts in question are still showing on my credit profile and are listed below along with the reason for the investigation. 

XXXX Account Number : XXXX Please remove all late payments per the HEROES Act XXXX Account Number : XXXX Please provide the document that allows you to continue to violate my privacy. If you can not find the document, please delete from my profile. 

XXXX Account Number : XXXX Please remove all late payments per the HEROES Act XXXXXXXX  Account Number : XXXX Please remove all late payments per the HEROES Act XXXX  Account Number : XXXX Please remove all late payments per the HEROES Act XXXX Account Number : XXXX Please remove all late payments per the HEROES Act XXXXL Account Number : XXXX Please remove all late payments per the HEROES Act XXXX Account Number : XXXX If you can not provide the method of verification that shows I owe this exact dollar amount, please delete this entry. 

XXXX XXXX XXXX Account Number : XXXX If you can not provide the method of verification that shows I owe this exact dollar amount, please delete this entry. 

XXXX Account Number : XXXX Please provide the document that allows you to continue to violate my privacy. If you can not find the document, please delete from my profile. 

XXXX Account Number : XXXX Please provide the document that allows you to continue to violate my privacy. If you can not find the document, please delete from my profile.
Product: Money transfer, virtual currency, or money service

Description : Coinbase My account was compromised even with two factor security requiring my cell phone. i received a two factor request on XX/XX/21 at XXXX XXXX  indiana eastern time. At the same time i received a email confirmation of a transaction completed converting ankr coin into btc coin. I did not make this transaction. I immediately logged in and changed my password again. reversed the transaction. Contacted the company. They locked me out of my account. They refuse to communicate with me after over 20 email attempts. they refuse to let me close my account. After further research on their social media profiles like XXXX. you can clearly see their entire feed is filled with similar stories. They are locking us out of our own accounts while they scrub the evidence and steal our money. Im ashamed that a company like this can even be successfully listed with an exchange as a recent ipo. This company is a scam. They have only email communication and they refuse to communicate. The customer has no recourse. My supposed case is Case # XXXX They have lied and misled me repeatedly on how to unlock my account. I did what they asked and they refuse to unlock it, allowing me access to close it and transfer my money out. If the Sec doesnt act imo you are complicit in this fraud. I can provide all emails. The ip address and location of the unauthorized access would have been available on my account but since i cant log in i cant gather it as evidence. Perfect XXXX  scheme going on here.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance details XXXX XXXX paid off Balance {$2700.00} Balance updated XX/XX/XXXX Original balance {$2700.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$2700.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Comments Completed investigation of FCRA dispute - consumer
Product: Checking or savings account

There were couple of ACH transfer happened last week ( end of XXXX ) from my savings account ( total amount approx {$18000.00} ). I have reported this to discover bank. They did initiate the dispute but mentioned that it may take 30-45 days. Now I can't access my funds due to this. I don't have any ATM/Debit card so I am not sure how someone could make ACH transaction on my account. I have not shared my account information with anyone so it has to be some sort of bank leak. Discover bank should act on it asap and return my money as soon as possible.
Product: Vehicle loan or lease

From the beginning of my car loan, citizen one bank made it difficult to do autopay. I had difficulty applying it and spoke to multiple representatives on the phone in regards to this issue. I have all my bills on auto and I consider myself a very responsible adult when it comes to finance. However in late last Late XXXX when I lived at my old address, I was told by a representative over the phone in XXXX I can do autopay on their site. Before this, Citizen one 's bank mobile app did not work to setup autopay nor did their actual website allow for this option and it was always an issue. I had no other way but to pay when I was called by an automated phone call by citizen saying I have to pay my bill. This frustrated me because this is the only bill I had like this and I wanted autopay. I was told in XXXX I will be setup on autopay and I was walked through how to do this by a representative and confirmed it was applied correctly. I paid my bill and setup the autopay on their old www.citizenone.com URL. I did this and set my bank account up this and let it go as of all my other bills and I make sure I have more than enough money in my accounts each month. I moved in XXXX to my new house so I did not receive mail for a couple of months but I made sure I had money in my account and everything was fine. I sound got letters at my new address saying that I was late for a couple of months. I immediately called and tried to figure out what happened and explained to them I had this setup from one of your reps what happened. They told me they have had an issue with their old autopay and website and switched it to https : //www3.citizensbankonline.com/ With no warning to me. So apparently it wasn't applied. I was extremely upset. However I paid everything and made sure my account was current. And ask to have it corrected. I was told that I can only have it corrected by sending letters to their credit department. This was back in XXXX. It has now XXXX. I have sent letters myself. I have hired a credit repair company, XXXX XXXX in XXXX only to be ignored and to pay over 600 dollars at this point to correct their misapplied autopay function. I have paid on time for 6 months after the fact with autopay and they still will not work with me. It has ruined my ability for financing for my business, refinancing for my car, new credit and I have lost my entire business because I could not receive financing due to this sole issue. When you look on the credit report the late payments are even inaccurately applied on my credit report. The days late to not match. Please help me correct this. I foolishly did not write down the names of the people I spoke with but I put screen shots showing how the mobile bill pay does not work still to this day and how consumers are told to register at that old www.citizenone.com URL when it is now the https : //www3.citizensbankonline.com/ URL I sent you.
Product: Checking or savings account

XX/XX/2018 I allowed someone I thought I trusted access to my bank account at Wells Fargo. He proceeded to deposit fraudulent checks ( 3 for {$700.00} each ). 
XX/XX/2018 I noticed the hold was lifted. Automatic payments go through. Two transfers I thought I had access to went through. 
XX/XX/3018 A hard hold was placed on the account because the checks bounced. No deposits, no withdrawals. The account was due to close within ten days. I figured they would keep their word about not allowing deposits. 
XX/XX/2018 I notice the negative balance, and questioned how they allowed the checks through, replaced the hold, and sent them back, against my account. 
XX/XX/2018 I noticed my debt had gone down by the same amount of my XXXX check. I mistook this as them hacking away at the scam. 
XX/XX/2018 It sunk in that it was my check, because I saw that particular DEPOSIT had gone through. I picked up the letter about the matter, which plainly said everything was blocked and my account was due for closure. 
I called the bank, was shuffled around three different departments, and was finally handed over to the supervisor of Loss Prevention. 
I told them about the email, and letter, that plainly stated NO DEPOSITS would be allowed through and my account was to be shut. 
I was told the exact opposite, that my account could not be closed with the negative balance and their collections department was allowed - by any means necessary - to, well, collect. ( This includes garnishing that XXXX check, my only income. ) Today, XX/XX/2018 The collections department woke me up to ask about the rest of the debt that I can not pay because I'm on XXXX. The person had the nerve to ask me when my next check was due. 
They already yanked one out from under me. I needed that for books for college. 
This is corrupt, if not illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported my account passed due which was due to mobile app issues on their end. Did not get alerts or notifications of payment due. Unable to login to app XXXX  XXXX  Equifax All show this info that was no fault of my own
Product: Credit reporting, credit repair services, or other personal consumer reports

DUE TO BEING A VICTIM OF INDENTITY THEFT, BECAUSE OF** EQUIFAX DATA BREACH ( CCRA ) **. I SWEAR TO TELL THE TRUTH AND NOTHING BUT THE TRUTH IN REGARDS TO THIS MATTER. I HAVE BEEN SUFFERING FROM THIS BREACH. //// MAKING POLICE REPORTS//// HAVING TO FREEZE MY ACCOUNTS.//// MY MAILBOX HAS BEEN BROKEN INTO, CHECKS HAVE BEEN STOLEN AND CASHED. {$10000.00} MONEY ORDERS TOO AND ON OR AROUND XX/XX/2020, SOMEONE USED MY IDENTITY BECAUSE OF THIS BREACH, TO PURCHASE XXXX XXXX XXXX XXXX XXXX FROM XXXX XXXX XXXX IN THE AMOUNT OF {$8700.00} I HAVE SPENT HUNDREDS OF DOLLARS, TRYING TO CORRECT THIS MATTER IN GAS/ MILEAGE/COPYS/ FAXES/ POST OFFICE MAILING I ASK OF YOU IN YOUR CAPACITY, TO HELP ME ALLOCATE MY EXISTING PROBLEMS AND DILEMMA OF FURTHER LIABILITY,
Product: Debt collection

I've attempted to resolve this Identity Theft issue with Cavalry Portfolio multiple times. I even submitted a request to the credit bureaus and the bureaus have not been compliant per FCRA 605B. 

This account was a result of Identity Theft and I request that it be blocked/removed IMMEDIATELY. I've submitted all requested documents per the FCRA ( ID, FTC Report, and detailed request ). This account needs to be blocked/deleted as it is not mine. I already tried requesting validation and disputing multiple times and have even requested method of validation and I simply get a response saying " We've determined this account is valid '' with no further details. 


Please see my supporting documents attached for the Identity Theft report and have Cavalry Portfolio/XXXX XXXX delete this account for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I se nt two notarized dispute letters to two differe nt credit bureau ( Experian and  XXXX  ) by certified mail. I received notification that both letters were received. Fast forward over 30 days no response from either credit bureau and they did not note that the accounts were being disputed within the 30 days when I would pull the reports several times during that 30 day period. My disputes were ignored.      XXXX  never responded but they decreased my  credit score   XXXX  points instead. However there were no new inquires or credit, my credit utilization did decreased, no new late payments or new collection items and no new accounts closed. I never received a response from either credit bureau. They did not delete anything either.     Please see the below certifiied letter USPS tracking numbers.     Experian tracking number #  XXXX   XXXX  tracking number #  XXXX
Product: Debt collection

I have been paying XXXX  monthly to Portfolio Recovery Services. The last payment was XX/XX/XXXX. They are telling me if I dont set up a payment plan they will continue to harass me. I can not afford to do a payment plan because I am unemployed and dont know how much I am going to be getting every month due to the unemployment amounts being so varied. 

They have called me 3 times a day starting XX/XX/XXXX. I explained to them my payment was paid on XX/XX/XXXX but they said they wouldnt stop calling unless I set up a payment plan for the next payment. 

I told them not to call back but they have repeatedly done so. I have talked to them 4 times since XX/XX/XXXX and had 3 missed called a day since then as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The addresses I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I reached out to XXXX XXXX XXXX. for validation of an account. The original creditor is Comenity Bank. According to the records provided, my last payment on the account was dated XX/XX/. The Statement closing date of XX/XX/2019 showed a balance of {$200.00}, however, XXXX XXXX XXXX XXXX. is attempting to collect a total of {$510.00}. 

Please explain how my balance went from {$200.00} to {$510.00}?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  Account : XXXX, XXXX XXXX Account : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX, Account numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, have violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Debt collection

I never took any loan out, ever, from the company they alledge has hired them to collect the debt. They say I authorized a loan XXXX 2011 from " XXXX payday loan ''. I have never done so. They claim to be " concord resolution inc ''. The man would not let me question anything, talked over me loudly and rudely, and knew my social, which he said in its entirety over the phone. They also had an old address and the bank I belong to. I was threatened if I didnt pay XXXX in 10 days that my wages would be garnished and I would be taken to court, where a judge would impose my delinquint balance at 300 % interest and I would have to pay their attourney fees and court costs. He also threatened that he has " the best attorney '' so good luck contesting this. Im absolutely freaking out right now. I hung the phone up on them and never received a call back which makes this more suspicious than it already is. Please help!!
Product: Credit card or prepaid card

On XX/XX/2022, I applied for a Wells Fargo credit card online. I have cerebral palsy and as I was typing the information online I mistyped the phone number online after I summited the application. Wells Fargo pulled my credit report on XX/XX/2022. After that its been almost one month that I have not received correspondence from Wells Fargo, whether I was approved or denied. The bank advised me that they can not complete the application because I have a fraud alert on my report, which clearly states that they need to call the applicant to complete the information and to contact the phone number that is on the credit report. Now, Wells Fargo is making this very difficult for me, the reason the fraud alert can not be removed is because I've been a victim of identify theft and it strictly says on the fraud alert that to be considered for credit they must contact the consumer and Wells Fargo has failed to follow that statement on the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two loans that were serviced by ACS/Wells Fargo. Both loans are paid and full as they were transferred to a new lender XXXX XXXX and currently XXXX. My credit report shows 180 days past due and 120+ missed payments for two account which has a great affect on my credit score thus far. During the time of the missed payments I was not only enrolled in school at XXXX College, but my loans were no longer being serviced by Wells Fargo. The missed payment dates that are listed on my report for accounts start at XX/XX/XXXX - XX/XX/XXXX for both accounts.
Product: Money transfer, virtual currency, or money service

Im writing to formally explain how Zelle is starting to be questionable to me. I have had multiple lost fund issues. And neither time was the issue fixed. I went from using Zelle as a primary to moving to cash app for primary. I have reported countless times with no call or email back. I never ended up getting my funds back. Even the CFPBs proved that Zelle doesnt protect their consumers and have allowed OFFENDERS into their workplace system. How many other people could have been having this same problem? The offenders couldve been trying to scam people through the Zelle system! This is not okay. Everyone has bills and responsibilities. So Zelle needs to own up to theirs!
Product: Debt collection

I do not believe the debt reporting on my credit report is valid. I would like for it to be removed from my account.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( XXXX U.S. CXXXXe XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. CXXXXe XXXX ( 2 ) and XXXX XXXX CXXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX CXXXXe XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.