23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year> I got email that my order was ready for pick up. So I Immediately called target customer service to cancel the transaction. they went ahead and canceled the transaction. Then, after that, the transaction was allowed and processed. then on XX/XX/XXXX, I checked my statement and the order went through was returned and was given as a gift card. which store policies are that if a transaction is made with the store credit card it should the amount should be put back on the store credit card instead of putting it on a gift card. When I called customer service again and and complain, they said that they were going to investigate it. then, a week later, I received a letter in the mail stating that my claim was denied. After I received that letter, I sent them about five times via fax the appeal letter. they stated that they never received any of my letters when I have proof that it was sent and received with the fax receipt. so the agent that is in charge of my case, every time she calls me, she says that she can not hear me and when I call target, I speak to every agent and he gets escalated again talk to supervisors and when she calls me again, she cant hear me. they never sent me the questionnaire that I needed to fill out in order to file the correct claim. I received it months after this whole situation. I feel discriminated because I am XXXX. Ive been trying to resolve this issue. I am a long-term target customer and my credit is being damaged because of this issue I kept telling them over and over I am not gon na pay for something that I did not purchase. And now is XX/XX/XXXX and they havent resolve this issue
Product: Checking or savings account

I opened an account with XXXX on XX/XX/2021. On XX/XX/XXXX, a cumulative {$2300.00} was transferred to this account. On this very same day, I attempted to log in and was unable to access my account. After calling XXXX, I was informed my account was closed for " business reasons, '' and no specific reason was given. They have informed me it will take 1 week to formally close the account and another 7-10 business days to mail the check to the address on file. A supervisor named XXXX is monitoring my account and will notify me by email when the check is mailed. However, I am submitting this CFPB complaint, as this is truly the most outrageous experience I've had with a bank. On the day I transfer funds to this bank, they close my account and hold my funds XXXX for 2-3 weeks. It is incredible that they would not let a customer transfer the funds out prior to closure and instead hold the funds for several weeks. There is also no way for me to access the account to monitor the funds. This situation is extremely alarming.
Product: Debt collection

I am being scammed out of my benefits wrongfully and charged an debt that they are aware I never received XXXX because my last social security check was in XXXX same for my medicare card and are under investigation by molina fraud department XXXX XXXX report key XXXX. The Bureau of Fiscal Advisory services are aware of payments owed to me and in washington DC is the location where XXXX XXXX XXXX XXXX on XX/XX/XXXX honestly contacted washington dc social security office and XXXX bank by email and instructed them that there is an mix up with my name and that they must pay me all my money and that they must go back to XXXX and then she got replaced by XXXX whom has now changed her mind since she have heard from the bureau of fiscal advisors and she told me that I will get all my benefits backpay owed to me and are in agreement with Ms. XXXX now, she stated. I am informed by bank of america that the social security checks and the uia checks all went into the same account by XXXX XXXX XXXX XXXX starting with XXXX and that it was regular deposits. then on XX/XX/XXXX an XXXX at bank of america told me that my XXXX claim XXXX went into an XXXX XXXX XXXX account in XXXX. then after at least four women two of them I remember as XXXX and XXXX all four told me that they froze this account and are trying to get the money back to my account. They all lie now and say this is an XXXX, XXXX or XXXX dollar claim. 



Please Investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX accounts for months. Experian refused to reverse the late payment.. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.
Product: Credit reporting or other personal consumer reports

SELFINC/LEAD XXXX Balance : {$0.00} This is NOT A DISPUTE, but I believe the information being reported to be inaccurate.
Product: Debt collection

XXXX calls within the last day. In the middle of the night and early morning. I don't have debt.
Product: Checking or savings account

XXXX XXXX debit card payment to click and pay for XXXX landlord Staes didnt received payment while click and pay show payment requested payment results from bank that they were paid to issue to landlord capital one closed my account rejected my direct deposit XXXX payments that were to be pay rejected XXXX XXXX payment for same amount paid landlord states they need to see proof which click and pay showed proof sent me proof and I sent to landlord bank statements to show availalitlity XXXX XXXX payments online for same amount bank states that after I dispute it they will give me my money back so on XXXX XXXX I made a dispute stating I needed proof of payment if not please issue me back my money because if they haven't been paid where is my money at so the bank issued me XXXX on the XXXX of XX/XX/XXXX I spoke with an representation from the fraud department who go into bank and withdrawal the money I also had a direct deposit from my job which the bank rejected and sent back to usps inwhcih is my livelihood my social check ll my checks coming in my allotments tsp which I have linked to thier bank including my XXXX savings account in which I could transfer money into my account rejected cant even change the routing number to change the banks so I can change banks but this money from the dispute comes in and it says available and I go to the bank they refuse to give me my money so I have had several incidents with this clerk in this bank on XX/XX/XXXX I went into bank after being told I had XXXX XXXX but I had to deposit my XXXX XXXX XXXX to pay my car insurance the same clerk that wouldn't release my money today told me the check would not be cashed until 7 days it wouldn't pay the incoming bill go outside and go to the check cashing place bring back cash I tried to find one but was so weak had to return home tried again the next day check cashing in my area and went back and deposited and made the payment it was rejected and closed and canceled my insurance the clerk kept telling me I only has XXXX dollars available when I called on phone at home and it says available and it shows in my account available where as I gave the fraud complaint my dispute as they instructed me and an email was sent to me saying they have received my dispute they would review it and give me an refund in which they did like they have always done in a dispute they dont put money into account unless they have resolved and even if they fell after 90 days it was a wrong decision they take the money back I have issued documents and proof of receipt for payment had the owners give me printed receipts and sed it to them and they have taken back my money so I had to pay twice when I and the owner shoed proof of payment twice I have paid parking tickets online and in person at finance office downtown and still haven't been revised rejected payments always my XXXX XXXX XXXX XXXX pay rejected my XXXX auto pay rejected
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists All three credit bureaus are inaccurately reporting false information on my credit report, which is negatively impacting my life and significantly affecting my creditworthiness.
Product: Credit reporting or other personal consumer reports

My letter is dated XX/XX/year> According to Theft pursuant to FCRA 605B ( 15 U.S.C & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

I will have no choice but to seek legal action if my letters falls on deaf ears.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted a dispute letter to Experian via USPS certified mail ( tracking number : XXXX ) requesting an investigation into an inaccurately reported bankruptcy on my credit report. I included all necessary identification documents to verify my identity, including a copy of my photo ID, Social Security card, and a recent utility bill displaying my current address. 
As per USPS tracking information, Experian received my dispute on XX/XX/XXXX. 
In my dispute letter, I specifically requested the following information regarding Experians verification process : - Details on how the disputed item was verified.

- The date Experian contacted the furnisher.

- Contact information for the furnisher.

- The name of the individual who verified the item.

- The method of communication used for verification ( e.g., phone, email, mail ).

- Confirmation of whether the furnisher provided any sensitive personal information, such as my Social Security number, address, or date of birth, during the verification process. 
Despite submitting all required documentation and clearly outlining my concerns, I have not received any response or resolution from Experian. It has been over 30 days since my dispute was submitted, yet Experian has failed to communicate any updates or take appropriate action. 
Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are legally required to conduct a reasonable investigation when a consumer disputes the accuracy or completeness of information on their credit report. Experians failure to respond or take action on my dispute constitutes a clear violation of my rights under the FCRA.

I am including copies of my dispute letter and USPS certified mail proof of delivery as evidence to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act this company, 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 15 U.S.C Sub Section 6802 B : the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; 15 U.S.C 1692 C ( a ) : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692 D ( 2 ) : The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. The words Debt Collector, are profane to me.
Product: Money transfer, virtual currency, or money service

Multiple of occasions where my hard earned money was sent to wrong person. whether the last number of the XXXX digits was wrong. Ive reached out to Zelle and even texted number to see if i can get money back every time it happen. Never been successful with my results. I even tried switching bank branches due to this problem just cause i thought it was my specific bank and how they went about giving me my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting companies XXXX  XXXX  and Transunion all refuse to remove fraudulent Id theft accounts XXXX  & XXXX  VISA/XXXX/XXXX  from my credit reports even though they are unable to verify correct information that link accounts to me. 
There is a lot of missing information that they can not provide like original creditor name and or past due amounts. I have submitted police reports, FTC ID theft reports and have requested these accounts be blocked due to Fraud but each company outright and willfully refuses to comply the the law and leaves these inaccurate accounts and inquiries on my reports which adversely negatively affect my life
Product: Credit reporting or other personal consumer reports

Termination of Lease Due to Negligence and XXXX XXXX XXXX XXXX XXXX XXXX Filed eviction when they Moved me to Back of Apartments For Rat infestation and Management was Not in Office to Accept Payments 3 Months After They Moved me. 

Offered Pay and Stay They Accepted.

1. **Rat Infestation** : I endured a documented rat infestation for six months in my initial unit before property management decided to relocate me. The infestation was a serious health hazard and was not addressed in a timely manner. 

XXXX. XXXX XXXX : Upon moving to a new unit, I discovered that the HVAC system was non-functional. Despite repeated requests, this issue remained unresolved from XXXX until my departure in XXXX, making the unit uninhabitable, especially during extreme weather conditions. 

XXXX. **Lack of Security** : The security gate has been non-functional for over XXXX years, compromising the safety of all residents. Additionally, the lack of on-site security has led to multiple break-ins : - My unit was broken into twice, with police reports documenting both incidents. 
- Squatters occupied the unit above mine, resulting in theft and additional safety concerns. 
- During my recent visit to pack up my apartment, I discovered a squatter had taken residence due to the unrepaired window from the first break-in, necessitating another police call. 

XXXX. **Safety Concerns** : As a single woman living alone, I was the only resident in the entire XXXX buildings at the back of the apartments. This isolation, combined with the aforementioned security issues, has made me feel extremely unsafe and vulnerable. 


Due to these conditions, I have been forced to vacate the premises for my safety. I am also concerned about my credit and rental history. I have a balance from the time between reporting the rat infestation and the time I was moved. I intend to pay this balance and have made a {$2300.00} payment today, XX/XX/XXXX. I will return on XX/XX/XXXX, with {$1200.00} more. However, I request that this lease termination does not negatively affect my credit or rental history given the documented negligence and safety issues. 

Please note that I am returning my keys on XX/XX/XXXX. I have been unable to complete a move-out walkthrough with the property manager as they have not been available since XX/XX/XXXX. I would appreciate confirmation of the receipt of this notice and the keys, as well as the outstanding balance and my payment. 


XXXX XXXX ( XXXX ( XXXX ) XXXX ) XXXX Received last Payment on XX/XX/XXXX XXXX balance is satisfied Please contact for question and Answers XXXX XXXX account ( XXXX ) Paid Confirmation ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax a few weeks ago informing them that I have been a victim of identity theft. All of my personal things were taken now are attempted to be used to open accounts in my name. They did nothing but sent me a computer generated letter. I called and spoke with customer service & they told me my dispute was not processes because I put inquires in the account section. I have corrected the information and attached to this complaint. Please delete the inquires on this identity theft report.
Product: Credit reporting or other personal consumer reports

Account is paid and closed however it is still reporting as a negative remark on all XXXX credit reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Cease and Desist Notice Regarding Unauthorized Access to Credit Information for ACCOUNT # XXXX Dear XXXX XXXX XXXX XXXX XXXX am writing to formally notify you that I did not provide consent for your company to obtain my credit information. Your actions constitute a violation of my privacy rights and XXXX also be indicative of identity theft. 

Please be advised that I demand you cease all actions related to this unauthorized access immediately. I require that you take the following steps : XXXX. **Cease all collection activities** associated with my name and personal information. 
XXXX. **Provide written confirmation** that you have ceased all actions and will refrain from accessing my credit information in the future. 
XXXX. **Investigate and rectify any potential misuse** of my personal information within your records. 

I am keeping a record of this correspondence and may pursue further action if this issue is not resolved promptly. I expect a written response within XXXX  days of receipt of this letter. 

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX
Product: Mortgage

DEAR CFPB : THIS IS A VERY SERIOUS LEGAL COMPLAINT INVOLVING A MORTGAGE COMPANY, SPECIALIZED LOAN SERVICING, LLC AND A TRUSTEE THAT WAS APPOINTED TO SELL A HOME IN A DIVORCE CASE.

THE MORTGAGE COMPANY VIOLATED MY RIGHT TO PRIVACY BY GIVING THE TRUSTEE CONFIDENTIAL INFORMATION. THE TRUSTEE WAS WORKING AGAINST MY BEST INTERESTS TO HER FINANCIAL GAIN.

THE MORTGAGE HAS VIOLATED FEDERAL PRIVACY LAWS AS WELL AS ACTING IN BAD FAITH AGAINST ME AS THE CUSTOMER.

THE MORTGAGE COMPANY ACTUALLY SENT THE TRUSTEE DETAILED TRANSCRIPTS OF PRIVATE PHONE CONVERSATIONS THAT I HAD WITH THE MORTGAGE COMPANY IN DIRECT VIOLATIONS OF MY ORDERS NOT TO DIVULGE ANY INFORMATION. 

THE TRUSTEE IS CURRENTLY BEING INVESTIGATED BY LAW ENFORCEMENT AND THE XXXX COUNTY MD STATES ATTORNEY. THE ATTORNEY GRIEVANCE COMMISSION HAS ALSO OPENED AN INVESTIGATION. THE ATTORNEY IN QUESTION IS XXXX XXXX. I HAVE ALSO INVOLVED XXXX XXXX, WHO IS AN ATTORNEY WHO WORKS FOR THE MORTGATE COMPANY. 
I WOULD LIKE TO INITIATE A FORMAL INVESTIGATION AGAINST THE MORTGAGE FOR VIOLATIONS OF PRIVACY, AND WIRE FRAUD.PLEASE CONTACT ME SO I CAN PROVIDE MORE SPECIFICS TO THE CFPB. 

THANK YOU FOR YOUR ASSISTANCE IN THIS VERY IMPORTANT MATTER
Product: Debt collection

Previously sent two requests for validation of the debt. on two separate accounts. Midland never provided validation of either debt XXXX XXXX XXXX or XXXX ). Time has expired for Under the Fair Credit Reporting Act. They must remove the unverified reportings.
Product: Mortgage

I received an Annual Escrow Account Disclosure Statement from AimLoan.com showing an excess balance in my Escrow Account of {$730.00} - {$620.00} = {$110.00} in XXXX XXXX. I contacted them on XXXX XXXX, XXXX asking for a refund of that amount according RESPA rules. They were unable to locate the document that they sent me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Original dispute was submitted to the CFPB on XX/XX/2020 case # XXXX Experian gave me a bogus response saying I did not submit this on myself, that is a total stall tactic I now demand it gets handled this time my name is wrong and the previous addresses do not belong to me see letter attached to explain
Product: Credit reporting or other personal consumer reports

Despite my persistent efforts to contest the inaccuracies in the following information with TransUnion, unfortunately, the matter remains unresolved to this day. 

XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX XXXX Account Number : XXXX According to the law 1681i ( 5 ) ( A ) ( i ) 30 days have passed and this information has not been verified within that time of reinvestigation, I now demand this charge off is deleted from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit card with XXXX in XXXX this was the only card I opened. In XXXX I had some housing issues and I was XXXX for a year and a half. During this time I bounced around from friend 's house to friend 's house or living out of my car. During this time my I still only had the one credit card. In XX/XX/XXXX I found out I had several credit cards and other accounts opened in my name and a few were opened out of state, when I applied for a lease, which I was denied for because of the debt. 

I have since disputed with XXXX and have had most of these accounts removed. I have tried to get Equifax and XXXX to do the same, but no luck. Every time I try to dispute on Equifax I can't get past the verification questions, only once was I able to and Equifax did nothing. 

So far XXXX has done a great job, but I can't get help with the other agencies. 

There are also incorrect addresses and employment as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  Ststus XX/XX/2021, Open/Never Late. Comment section : COMPLETED INVESTIGATION OF FCRA DISPUTE - CONSUMER DISAGREES. This caused my credit report to drop 5 points. I did not initiate a FCRA dispute. False information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the reporting agencies, there are hard inquires on my report that I did not authorize, I requested them to be taken off and removed or to show e proof of my consent and they denied to remove or provided proof.