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

My bank account was hacked and the hacker stole {$1800.00} from my account. I have been a client of the Citibank for about 20 years. This account was in good standing for about 20 years. The Citibank response to this incident was that I have to wait until they finished with the investigation to return my money. I do not think this is fair because my money was stolen because simply the Citibank online security system failed and I do not think that I have to wait to get my money back because of failures with their security systems. The hacker went into my account, deleted my pin, add a payee, and did a wire transfer transaction. It is incredible and unbelievable how the Citibank let this hacker to do all that, and even worse, I do not believe that as a client for about 20 years should be treated the way the bank is treating me. The bank is rejecting a provisional credit to me and they wanted me to wait for something that clearly was a negligent from its side to protect my bank account. Since this incident happened, the customer service from the Citibank is been horrible, it seems that the bank is only interesting to look for its own benefits and does not care for me as a client.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made several attemplemts to get Equifax to do a proper investigation but failed to do so.
Product: Money transfer, virtual currency, or money service

I was kept on hold for a total of about 35 minutes and spoke to representatives for all of about 3 minutes. I have been trying to access my money through an online exchange called XXXX XXXX XXXX XXXX. I have every right to access my money in this matter and know many who access their money through XXXX with a TD account linked with no problems whatsoever. I get a message saying TD is blocking me from third party applications. I call support and he tells me " that 's no problem, we can just lift the block from your account '' he then puts me through to a tech representative who pretty much told me what I was talking about did n't exist and she could n't help me all while complaining to me about why the support rep put me through to her iin the first place. Then I asked to speak to the supervisor who actually gave me some service but told me that I cant access my account through XXXX. I feel targeted and very annoyed that I can see account transfers on friends TD Bank applications involving XXXX but I 'm told I cant.
Product: Payday loan, title loan, or personal loan

During rst week of XXXX 2022, I was planning to take advantage of the current automotive market condition and sell or trade in my vehicle to purchase a new XXXX  vehicle. I called my banks and credit unions to see what the current rates are and to get information of obtaining a pre-approval. I was told that my rates would me higher due to my credit le. I pulled my XXXX, XXXX, and XXXX credit les and found that someone has been using my identity to obtain credit from several creditors. These creditors include the Lending Point LLC ( {$21000.00} ).
Product: Credit reporting 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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX  Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXXI : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It 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: Debt collection

Midland Credit is a third party debt collector who keeps calling me on my job and harrassing me. The number is XXXX. I have repeatedly asked them to stop calling me on my job. This is the second time and they call my co-workers, asks for my name and get transferred. Then they ask for me and say it is a recording, then another person comes on the phone and asks me to verify who i am so i ask them to verify who they are and they get nasty and say the will not. This is causing me stress and anxiety on my job and I want it to stop.
Product: Debt collection

I was contacted by the following number, ( XXXX ) XXXX-XXXX, stating that I owed over {$1000.00} for a bounced check. 
The Wells Fargo bank account they referenced has been closed for over 5 years. 
They did reference my social security number as well, however, they could not reference where the charges stemmed from. 
The person on the phone was dodging questions about who her company was. 
The person on the phone said that I am being charged with a XXXX  by the State of California for not paying something, and my options were to pay the amount up front to close the case, or to go to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern : I am in a house process and I have request to XXXX, even fax proof to remove a collection company reporting on my credit report. XXXX  has fail to remove this collection that was paid in full and I need it to stop reporting on my credit, this collection has to ve removed. 

the company itself is XXXX and I need this removed from XXXX. 
please remove this paid collection from my credit report. you are hurting my family to a better possibility of owning our home.
Product: Checking or savings account

This matter involves Paypal not administering and discharging their duties of customer account ledger balance returning funds ; upon account closure. I have attempted to resolve the issue with Paypal several times to no avail. The complaint is that they will not return funds back to me that remain on my account when I sought to close my accounts. Instead, I was instructed my only option was to donate the said funds to a charity of THEIR chose. This made little sense to me, because it is my money on ledger. They stated there was no way to return funds back to me upon account closer and my money would be essentially disregarded as theirs '. I find no permissible way, arbitrarily speaking, for a financial bank of institution [ and in this case an electronic non-brick-and-mortar establishment ] to not be able to return or deposit remaining funds or transfer remaining funds to another financial institution of the account holder. Paypal insists further, it has privileges. 


I find this a serious allegation for the company to resolve. 

There are numerous accounts associated with my name or EIN.
Product: Debt collection

XXXX XXXX XXXX ( XXXX ) - Date Opened : XX/XX/XXXXXXXX  - Status : Collection account. {$750.00} past due as of XX/XX/XXXX. 
- **Action Required : Remove fraudulent account due to harassment and negligence, of the circumstance, I believe a person named XXXX XXXX the patient daughter, with XXXX of XXXX CA, I being a XXXX, of XXXX, of the address this account comes from, daughter of that household is behind the negligence and neglect illegal action taking regarding this accountm she has also harassed me since too. Making identity theft and hardship resolving the matter, I have no understanding or access too. I was only a XXXX XXXX XXXX  at this household. There is a XX/XX/XXXX police report in XXXX, CA regarding this account filed also.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified this items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX our municipality reached out to inform us our borough taxes were never paid through our escrow account with Truist. They stated Truist postmarked the check 1 week after the deadline for the wrong amount so they returned it to the bank. Truist marked it in their system as paid and never resubmitted our taxes. On XX/XX/XXXX I opened a tax investigation with Truist to resolve as we were unable to receive a new HELOC as the tax was still listed as delinquent. We were advised this would take up to 14 days to resolve. After 30+ calls with their tax department I am told the investigation is still open and each week the date gets pushed back. First it was to conclude XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX, then XXXX, XXXX, XX/XX/XXXX and now XX/XX/XXXX. I can not get a resolution and its impacting our ability to improve our home due to Truists mistake.
Product: Mortgage

I was working with their representative very professional and we set up the re-finance a month prior to when we could submit it. once submitted we had a few hoops to jump through i.e. termite inspections and appraisal and a few other normal mortgage details. I was told i would be closing at the end of the month. Then steps in a very unprofessional non organized processing team that seemed to not care and were disgruntled. I had to constantly reach out to the first rep for information and the new team didn't respond or update and seemed to not know how todo their jobs. i had to get the information for them. on 3occasions i was given yes we are going to close tomorrow or today but in the end it took the first rep calling me and explaining. I received no official explanation or apology. this has caused me a financial burden and emotional stress. I tried to work with my current mortgage provider but am unable to due to the credit score drop due to lower. I want to avoid any legal action so a speedy resolution with LOWER is Ideal.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction regarding the ongoing issue with the removal of fraudulent items from my credit file despite many attempts to address it. 
Each time, I provided detailed documentation and evidence supporting my claim, and each time, I was assured that swift action would be taken to rectify the situation. 

Failure to provide a satisfactory resolution to this matter will leave me with no choice but to escalate this complaint to relevant regulatory authorities and explore all available legal options to protect my rights as a consumer. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX  XXXX XXXX  XXXX. XXXX, 2024 ; XXXX XXXX XXXX XXXX. XXXX, 2024 ; XXXX XXXX XXXX XXXX. XXXX, 2024 ; XXXX  XXXX XXXX XXXX. XXXX, 2024.
Product: Checking or savings account

I was using XXXX and sometimes My money would be taken out my account or account compromised with out caution
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert about a new hard inquiry added to my credit report but I haven't applied for anything. Please remove this fraudulent hard inquiry from my credit report XXXX XX/XX/2018 2018
Product: Credit reporting or other personal consumer reports

Account # XXXX I am writing to formally dispute the charge-off status that your agency has reported to my credit file, specifically regarding account number [ Account Number ]. This dispute is based on violations of the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 6802 and 15 USC 6801, which outline responsibilities for accurate reporting and consumer rights.

According to 15 USC 6801, consumer reporting agencies must maintain reasonable procedures to ensure the accuracy of the information they report. It is my contention that the charge-off reported on my credit report does not accurately reflect the status of the account in question.

Furthermore, under 15 USC 6802, consumer reporting agencies must investigate disputes promptly and ensure that any information found to be inaccurate, incomplete, or unverifiable is promptly deleted or corrected. 

This account was charged off on the following date XX/XX/year>. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of this account. 

Additionally, I wish to point out that in the event of a charge-off, I should have received a Form 1099-C ( Cancellation of Debt ) from the original creditor, since the amount is over {$600.00}, which I have not received to date. The issuance of a 1099-C is required by the Internal Revenue Service ( IRS ) for canceled debts exceeding {$600.00}, and its absence raises concerns about the accuracy of the charge-off status reported by your agency.

I request that you conduct a thorough investigation into the accuracy of the charge-off status of the account. Please provide the following information : 1. Validation of the charge-off, including documentation showing the date of charge-off, the original creditors information, and any supporting details.

2. Evidence that the charge-off was reported accurately and within the timeframe allowed by law.

3. Documentation proving that the reporting complies with the Metro 2 format guidelines.

4. Confirmation of whether a 1099-C was issued for this charge-off and, if so, the date of issuance and the amount reported.

Until this matter is investigated and resolved in accordance with the FCRA, I request that you remove the charge-off from my credit report. Additionally, please confirm in writing that this dispute has been received and is being investigated.

Please provide a written response within 30 days of receipt of this letter. Failure to comply with these requests will leave me no choice but to pursue legal remedies available to me under federal law. 



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

I contacted the police and FTC for assistance with this issue, now I'm contacting you all for your help as well. I'm looking to buy a new car in the next few months. So I had my credit report pulled just to see what I qualify for. Unfortunately, I discovered items on my report that are absolutely NOT MINE. Please remove these accounts listed. XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX. 
INQUIRIES TOO : XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX/XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX, XXXX  XXXX, XXXX XXXX, XXXX. XXXX  XXXX XXXX   XXXX XXXX, XXXX, XXXX XXXX  XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX  XXXX. XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX, XXXX, 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

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Bankruptcy XXXX  XXXXdischarged Filed on XX/XX/XXXX Reference number : XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$560.00} XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX  XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : - XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, Consumer furnished her signature on a credit application ( security ) with American Express Company ( financial institution ), which was given value by ones signature. 

Upon receipt of the security, the financial institution made an application to their local Federal Reserve agent. Financial institution made such application accompanied with a tender, Consumers security, of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. 

The financial institution failed to distribute the Federal Reserve notes it applied for and was issued to Consumer and DENIED Consumer an extension of their credit. Pursuant to federal law, banks can not lend their credit or customer deposits. 

Upon request, the financial institution failed to return security as it had already been sold in a public offering on the global financial markets. 

The financial institution 1 ) is in violation of the provisions of their Trust Indenture on file with the Securities and Exchange Commission ; 2 ) is in violation of the Trust Indenture Act ( TIA ), which prohibits any person from selling a note, bond or debenture in a public offering unless it has been issued under an indenture and is qualified for TIA and specifically mandates that the right of a bondholder to receive payment on such security can not be impaired without the bondholders consent. The financial institution has impaired bondholders right to receive payment on the security ; 3 ) is subject to a claim of a property or possessory right in the instrument or its proceeds, including a claim to rescind a negotiation and to recover the instrument or its proceeds, pursuant to XXXX XXXX, and XXXX ) is involved in racketeering activity, pursuant to XXXX8 USC 1961 ( 1 ), including but not limited to counterfeiting, extortionate credit transactions, financial institution fraud. Consumer has been injured by the financial institutions wrongful activity and XXXX allows for Consumer to recover treble damages.
Product: Credit reporting or other personal consumer reports

XXXX XXXX attempting to collect a debt I do not owe, and they are reporting it as a negative on my consumer reports.
Product: Credit card

I had purchased some furniture that was destroyed due to pipe bursting in my home the company ( a ima ) told me if something was to happen to the furniture that the insurance that I was enrolled in through would cover the balance but it didnt.
Product: Mortgage

XXXX XXXX sold my mortgage to Specialized Loan Services and notified me by mail, received on XX/XX/XXXX. My first payment to SLS is due XX/XX/XXXX. I have still not received any correspondence from SLS. I called SLS in XX/XX/XXXX and SLS rep gave me my new loan number and they were unable to provide any other info stating that the loan is in a boarding process. 
I tried calling them twice in the past week and today and unable to speak to anyone. Today, I was able to access my account online with SLS. I see that my escrow shows a balance but states non tax escrow account. They only show my homeowners policy info. I had escrow impound with XXXX XXXX for property tax and HO insurance. It appears that SLS received rollover of my escrow balance approximately $ 3,4xx.  This amount should cover for my property tax as well. My next prop tax is due soon. Please help. There are many other customers going through this issue. We should not be treated like this and there seems to be no corporate responsibility on the part of SLS. You  can reach me at XXXX. Thank you.