23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX, XXXX # XXXX Protas , Spivok & Collins , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX I received a warrant in debt to appear in court XX/XX/2018 for XX/XX/2018. I never received any notifications of this action being taken against me nor have I received any communication from the bank to claim the debt or allow me to request validation, dispute, or come to an agreement. I never received anything from their attorney ( listed above ) as well prior to the warrant in debt notifying me that this action was going to be taken. I was working out of state as I do XXXX XXXX using my parents address as my tax home. I have had inadequate time to contact an attorney or prepare for a trial myself. It has cost me in travel time, financially, and personally in having to manage everything in such short notice coming from CA to VA to appear.
Product: Mortgage

My family and I are going through a difficult and stressful  situation made even more stressful by my new mortgage holder, M & T Bank. Just before XXXX last year we discovered that our dishwasher was leaking for quite some time. It was to the extent that our kitchen and adjacent bathroom floor were damaged, and mold had started to grow. The workman who discovered the leak advised us to contact our insurance company. The insurance company sent in teams to block off the kitchen area, remove the counters, flooring, and to conduct mold abatement. When this was completed and the tests came back negative, the insurance company recommended a contractor, XXXX XXXX XXXX, to reconstruct the kitchen and bathroom. We signed a proposal with them and they were scheduled to start after the XXXX holidays. 

On the day the contractor started work, I paid {$2500.00} towards the half of the {$31000.00} we agreed to pay them at the start. The remainder will be paid when the work is completed. Around that time we received a check from the insurance company for {$24000.00} made out to myself, my wife XXXX, and M & T Bank. 

XXXX took the check to the M & T branch in XXXX XXXX to get it endorsed. They refused and instead gave her a number to call. They also advised her to get a home equity loan. XXXX called the number and was given an address and information to mail the check along with several documents. She complied, endorsed the check, and posted it with the documents. This was over five weeks ago. During this time, we received at least five calls from the bank requesting all manner of seemingly unrelated additional documents : some documents we already sent to them, some documents we don't possess, and some documents that are completely unknown to us. 

We sent the check to be endorsed and returned so that we can pay the contractors for their work. Instead, M & T Bank cashed the check and is now holding on to the funds. As a result, work has stopped on the repairs and my family and I are without the use of a kitchen and a bathroom, 162 days and counting. We are unable to even accommodate our son with XXXX at home because of this situation. Given the current state of affairs and the restrictions brought about by the coronavirus outbreak, there is no telling when our hardship will be resolved. All this difficulty my family is facing could have been avoided if the bank had done the right thing in the first place. 

To make matters worse, the insurance company refuses to compensate us for the continued inconvenience, even though it is a coverage included in our policy. 

We would greatly appreciate any help or advice you can provide.
Product: Debt collection

Hello, I have a loan with Direct Cash, LLC. I began working with a settlement company in XXXX and I revoked ach authorization. I called them and they asked for it in an email in written form. I provided them an email stating this on XX/XX/XXXX. However, I just saw that my account was charged on XX/XX/XXXX and XXXX despite revoking their authorization to charge my account.
Product: Debt collection

I received an email from XXXX and XXXX, which said this : Call for Dispute & Cancellation : XXXX ( XXXX ) XXXX Payment of {$690.00} for XXXX Purchase from Coinbase to be unauthorized.If you wish to cancel this request, call us at XXXX ( XXXX ) XXXX New Invoice {$690.00} Due on XX/XX/2023 Pay Invoice Invoice # XXXX XX/XX/2023 Customer XXXX XXXX Additional Recipients XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Download Invoice PDF Invoice summary XXXX XXXX {$690.00} Payment of {$690.00} for XXXX Purchase from Coinbase to be unauthorized.If you wish to cancel this request, call us at XXXX ( XXXX ) XXXX Subtotal {$690.00} Total Due {$690.00} Call for Dispute & Cancellation : XXXX ( XXXX ) XXXX Payment of {$690.00} for XXXX XXXX XXXX Coinbase to be unauthorized.If you wish to cancel this request, call us at XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, OH XXXX United States Please contact Call for Dispute & Cancellation : XXXX ( XXXX ) XXXX Payment of {$690.00} for XXXX Purchase from Coinbase to be unauthorized.If you wish to cancel this request, call us at XXXX ( XXXX ) XXXX about its privacy practices. A paypal logo appears at the top of the email. My family does not have a XXXX account. We have never sought purchase of bitcoin. I do not know what this email is suggesting, but we have attempted to purchase nothing for {$700.00}. This is fraud. I called the listed phone number. The person on the phone asked me to go to XXXX  and download software. I refused and told them I would report to the ftc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Net Credit Financial claims that I had opened an unsecured loan with them on XX/XX/2021 in the amount of {$3100.00}. This I am disputing because I did not open the account and when contacted, they have the wrong information on my address of residency. The account was obviously opened without my consent and knowledge therefore is fraudulent. I have tried numerous times to sort this out with Net Credit but to no success, I have reported this to my local law enforcement agency, XXXX credit bureaus, district congressman, and the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice saying Colorado law requires TransUnion to provide a copy of negative information impacting my consumer report. They do not have the right address listed which makes me question the information. I tried to call the XXXX number falsely advertised and once you enter 1 for English they say the service is not available I have tried to call the 800 number, do their online portal for help, contact XXXX and ask for a supervisor but no one responds. How am I as an average citizen supposed to protect my personal information and my credit when these companies make false claims and do not provide the necessary means for resolution? The agents claim to not have access to email and there is no corporate telephone number provided to speak to a live agent. This is a real concern!
Product: Checking or savings account

I am filing this complaint against Citibank regarding their refusal to assist me with resetting the password for my online account. I have been locked out of my account and can not access my funds. Despite multiple attempts to resolve this issue with XXXX XXXX XXXX XXXX, I have been unable to receive adequate assistance. 

I do not have a physical branch within XXXX miles of my location, making it impossible for me to visit a branch for help. I have explained this to their customer service representatives, but they have not offered a resolution that allows me to access my account remotely.
Product: Money transfer, virtual currency, or money service

My elderly batchelor uncle, died in California in XX/XX/2020. He had no living heirs, beside myself and my three sisters who all live out of state and were not contacted about his death until the XXXX XXXX XXXX called us in XX/XX/2020. 

By the time we learned of the death, individuals unknown to us, had cleared out his condo ( where he had lived for XXXX years ), and were in the process of clearing out his approximately {$200000.00} of bank accounts- with the assistance of his two banking institutions. At the time of his death, ALL of his money was in his PERSONAL NAME. He had {$0.00} in any account titled as a Trust Account, and funded no trusts. Irregardless, CitiBank turned over more than {$170000.00} to an individual who claimed to be his " Sucessor Trustee '', and converted personal funds into Trust funds... POST DEATH. By doing so, CitiBank employees violated its own internal bank policies, and California Trust law. The individual to whom CitiBanks gave his money, had no right to his Estate Assets, without approval of the California Probate Court. 

In our subsequent lawsuit against this individual, through discovery we were provided a copy of a {$20000.00} CitiBank Official Check our uncle had purchased in XXXX,XX/XX/2020 That check is still outstanding - as the interloper/ '' crook '', has not able to negotiate it. Only his true Estate Executor can do so. 

Using the same CitiBank " Small Estates Affidavit '' that Citi let the interloper use to drain all the bank accounts- I have sent three written requests to Citi to both be named legal successor, and to gain access to this {$20000.00} check. I believe there may be other funds of our late uncle also 'stored ' in Official/Cashier checks. This was his long-time practice. Citi has dodged, delayed, and obfuscated on my requests, no doubt understanding their culpability in this matter. I had hoped to resolve this issue without having to use the California court systems again, but that seems now hopeless. The bank 's legal liability here, is crystal clear.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle '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 lost 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 XXXX XXXX system, leaving users vulnerable to scams.Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost 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 alst allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns XXXX about consumer safety
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX 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 received several different letters. The last letter that I received was XX/XX/2024.
Product: Credit reporting

Trans Union is not responding to my requests to investigate, verify and remove an account from my credit report that does not belong to me.
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 602 Section 605
Product: Vehicle loan or lease

On two occasions I have called Chase Auto Finance to request that they send me a copy of my lien release letter for a car I paid off over a year ago. The most recent time was XX/XX/XXXX. The previous time was in XXXX or XXXX of XXXX. On both occasions the customer service rep took and confirmed my address, and assured me the lien release document would be mailed out that week. I have not received the lien release letter or any other contact from the company.
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX XXXX XXXX todays date XXXX Have looked at my credit report and I have seen multiple fraudulent inquiries on experiAn XXXX and XXXX I have not authorized permitted or gave any permission for any of these inquiries. By FAIR CARES ACT LAW us code 1681c-2 and 1681s 1679c disclosure 1681g 1681b permissible purposes of consumer report 12 USC 55334 response to consumer complaints and inquiries LIST OF FRAUDULENT INQUIRIES EXPERIAN XXXX XXXX date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried calling and disputing numerous times on an account that was open fraudulently in my name, as I was the victim of identity theft in 2016. 
Its been 5 years and it still has not been taken off my credit report, even though the company themselves acknowledged that it was fraudulent & closed the account. I have a statement from them for proof and I have submitted it to the credit bureaus to get it taken off my credit report. It is the only thing that is negative on my account, as I am always making my payments on time. I would like this resolved, please. Every time I call, I get the runaround and nobody has any answers for me. They have stated to wait 90 days but it still stays on there. I dont know what else I need to do to have it removed. Its so unfair.
Product: Credit card or prepaid card

Ok my complaint is for XXXX New Mexico EPPICard customer service agency. My card is not working currently under fraud suspension. I was never notified I had got the card XX/XX/XXXXstop working XX/XX/2020 so since XX/XX/2020 I been calling the customer service number XXXX and do they love to keep you on hold for 5 hour at a time!!! So for almost a month the customer service representative would tell me that they weren't the ones I needed to contact that I needed to call the states unimployment office so I would then the states unimployment office would do the same tell me there was nothing they could do and I can't begin to tell you how much time I've spent on hold since  XX/XX/2020 even now XX/XX/2020 still they have to activate my card eventually I was told to email XXXX 2 form of identification which I have done about 30 times I can't go to the state unimployment office due to COVID the unimployment office is closed to the public so I can't go in personally I don't get anywhere with these lausy customer representatives or the unimployment State office I'm so fed up with this nonsense someone needs to actually do there job and help me instead no I get the run around and sometimes get transferred to u existing lines so after waiting 3 hours i get supposedly to transfered but theres no hold music just hangs up I got a letter from the EPPICARD payment  processing service XXXX XXXX XXXX XXXX XXXX, TX XXXX so it's the fraud services department it's XX/XX/XXXX this letter bearly came XX/XX/XXXX this letter is dated XX/XX/2020 I well add a picture of this letter to documents any how stats that they attempted to contact me to verify recent activity on my current card which is suspended by the way that my card has been placed on temporary restriction and that all I had to do was contact the number list and verify it was me and that my cards restriction would be removed well nothing yet I called the Fraud services department XXXX XXXX and was told since the letter was so long ago that no longer applied that I had to email 2 forms of identification to the XXXX and I did at least 7 to 8 time already I'm so fed up and I don't know how much money I've spend calling these agency to get absolutely no where and a head ache im stressed out I'm tired of these agency I would to be reimbursed for all the charges for the calls to agency because they were not doing there job and I want my card unsuspend ASAP As Soon As Possible Please
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding the repeated and unsuccessful attempts to correct late open account on my credit report. Despite my persistent efforts and the passage of time, these inaccuracies remain unresolved and continue to negatively impact my creditworthiness. I first initiated disputes regarding these late open account. Since then, I have consistently reported these inaccuracies to your agency and provided the necessary documentation to support my claims, such as proof of timely payments and account closures. Despite multiple disputes and my repeated efforts, these late open account have not been corrected. The continued presence of this inaccuracy on my credit report has had detrimental effects on my credit score, financial stability, and overall well-being. I am unable to secure loans, obtain favorable interest rates, or access various financial opportunities due to these errors. I kindly request the following actions be taken promptly : A thorough and comprehensive review of my credit report to verify the accuracy of the late open account in question. Kindly help me correct the account immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a late payment on the First Premier account that does not correspond to me since said late payment is from XXXX and I arrived in the XXXX in XXXX, therefore I could not have had that account. I would like them to investigate correctly and find a solution to this ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

My compliant is against XXXX Account # XXXX, open XX/XX/2015, status closed and paid, {$0.00} balance. Back on the XXXX of XXXX I sent a letter to the mention company that the account had fraud charges and had to be removed as required by the Fair Credit Reporting Act. This company not even took the decency of marking or investigating my account once they received my dispute letter. They did not only disregard my letter but also a Federal Trade Commission Report that was included with the letter. I want my financial freedom back and if this company does not remove fraud related account from all 3 credit bureaus and provides me with deletion letter trough CFPB, I will take this case to court and let the judge decide this dispute. This is unfair business practices, negligence, and the list of violations can go on once I seat down with my lawyers. So Im using the CFPB as my last resource for the mentioned company to remove account from all 3 reports. Im attaching the letter I sent to them, the FTC report sent to them and also proof of fax that receive the documents. Thank you!
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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