23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and i saw accounts which i don't recognize. I have never applied for these accounts. I believe that someone used my personal information and opened accounts on my name. I lost my wallet with all documents, so i believe that someone found it and used it.
Product: Checking or savings account

As of the morning of XX/XX/2022, my Citi checking accounts have been blocked by Citys fraud department. 

Whenever I call Citis customer service and their fraud department, the people attending in the call center are not able to let me know the reason why my account is not working, and are not able to remove the block either. 

I have funds on my account and I want either my account to be unlocked or my funds to be released. 

URGENT - THANK YOU.
Product: Debt collection

Midland Funding was collecting money from me, as stated in a response from them, they have collected XXXX $ on an account THAT then WAS transferred, WITHOUT REFLECTING THE UPDATED BALANCE OR GIVEN REASON THEY SOLD MY ACCOUNT. One account that they bought was a result of Identity Theft and since the investigation of identity theft began they sold this second account they were handling, the first company they sold it to was called, XXXX XXXX XXXX XXXX, i contacted the 3 main credit bureaus about this account and due to their investigation, they deleted it, shortly after telling Midland about it being deleted, it appears that they got the account back and sold it to a new company. I am unsure as to why all of this happened and why they collected money from me to just sell it twice, with not reflecting all what i had paid on this account, but the more this goes on, the more i am concerned that this account is as well a result of Identity theft, as well as the other account they were handling. Attached is the police report regarding one of the other accounts that was closed due to identity theft and also attached is when XXXX deleted the account, as midland referenced, account number XXXX, was deleted from my credit report, and lastly attached is Midland 's response when they deleted the main account due to identity theft.
Product: Checking or savings account

On XX/XX/2020, Cash App, an online bank, literally stole XXXX dollars from my account and forwarded it to an unknown destination. 
They claim I authorized them to send the XXXX dollars to my bank account at XXXX XXXX . That is false. My bank account at XXXX XXXX had been closed in XXXX of XXXX and did not exist. I never told them to send my money anywhere and they refuse to provide any sort of authorization from me telling them to do so. This so called investigation by cash app had been going on for months when they informed me they terminated the investigation because I had authorized the transfer. I DID NOT KNOW ANYTHING ABOUT THIS TRANSFER AND HAD NO XXXX XXXX ACCOUNT AT THAT TIME. They literally stole {$800.00} dollars from my account and will not give it back. I have communicated with 10 different members of cash app and all would say they would look into it but nothing was done. The case number of that supposed investigation is : XXXX. 
Please help me get my money back. Thank you. This corrupt bank took advantage of a XXXX senior citizen and they need to be held accountable for their dishonest actions.
Product: Checking or savings account

Fifthird Bank will need to talk with IRS as they included nothing about my name and my infos on the check but they took the money out of my account. The copy of check they keep sending me might be the check that they made payment to IRS. 
Also They can not provide me proof of request from IRS for {$7000.00} from my account. 
I have been calling and I met personally with IRS. There is nothng they can find which said Fifthird Bank sent to them.
Product: Mortgage

The above property was built by XXXX XXXX in XXXX in XXXX XXXX XXXX XXXX sale was transacted in XXXX XXXX then re-sold to a XXXX owner in XXXX XXXX. After 6 years, sink-holes appeared around the property causing the owner to vacate and foreclosure commenced in XXXX XXXX. 
I unknowingly transacted the XXXX sale of said property in XXXX XXXX. The property was appraised and inspected by XXXX XXXX XXXX and there were no sightings of sink-holes. 7 years later in XXXX, I have encountered the sink-holes appearance at the sides and rear of the property. Listing agent : XXXX XXXX XXXX XXXX, XXXX, Seller : US Bank, National Association as trustee for XXXX Corp, Seller 's Agent : XXXX XXXX failed to disclose this problem before the property was sold. They were the companies involved in listing and preparing property for resale. 
My neighbor next door, XXXX XXXX, XXXX of the first residents to occupy a home in the sub-division, witnessed the dumping of trash on my property during construction and also saw large openings around the perimeter during the residency of the XXXX owner. 
Whoever prepared the property for re-sale was aware of the openings around the property. The seller and/or listing agent had contracted with a company for dirt/soil to be spread around the property to temporarily hide the recession of soil around the perimeter and the impending disaster to an unsuspecting buyer. I understand that my property was sold as-is, however, the seller had knowledge that the property was built on a trash pit and hid this fact by filling the holes and cover with sod. This pertinent information was withheld from the buyer. The seller of the property should be liable for the repair cost which should have been his/her expense in the first place and as such, the buyer was deceived. 
There is an XXXX horizontal hollowness below the slap, the right rear of the building is presently XXXX '' lower and the left rear is XXXX '' lower from the original dimensions ( re-measured on XXXX/XXXX/XXXX ). Kitchen tiles are cracked, kitchen counters are off balance and using the back door is hazardous because one may step out into a sink-hole. Being built on inferior soil has caused the rear right corner of the building to be supported by air ; piers were omitted during construction so gravity is in process on the structure. Decomposing waste is buried under my home! It is affecting the structure and contaminating my health! 
What I was sold is equivalent to a house built on quick sand and I would not have knowingly purchased a house built on quick sand neither on a trash pit. I am a retiree living on fixed income and this expense will cause an increase in my debt. 
This is unfair business practice therefore I need to be reimbursed for the cost of repairs to stabilize this property. 
I kindly appreciate your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested for Method of Verification from Experian and I have not yet received proper documentation verifying or validating the debt/collections that are listed on my report.
Product: Student loan

On XXXX XXXX I got 10 missed call within and hour from college avenue student loans about a missing payment its not the first time last time that within an hour this situation happen its always the same about a missing payment for 2 days. 10 missed calls within an hour is not okay
Product: Prepaid card

They said they updating their system XXXX been calling for a week about my account and to get a new card because I lost my old one I keep calling Rushcard and the phone just keep hanging up and my benefits come on that card in about week please help me
Product: Credit card or prepaid card

I have the XXXX  - blockfi card. It appears they setup two different business to trick people. My credit card says blockfi and is setup and paid through blockfi website. Now that blockfi went into bankruptcy, XXXX pops out of now where and says i owe them. I asked them to pause interest while the bankruptcy is going on but they said NO. 


Called the XX/XX/13. spoke with XXXX. She gave me a XXXX reference number. She said she is not allowed to make changes. I asked to speak to her supervisor. She could not get him, but offered to have him call back. Said they were too busy and that still owed them money.
Product: Debt collection

They call everyday at all ours of the day for the past month the number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a second certified dispute to Equifax, XXXX, and XXXX on XXXX regarding an unverified account on my credit report. XXXX XXXX XXXX is on my credit report the credit reporting agencies claimed was verified. I did a direct dispute with the creditor as advised by Equifax only for the mail to be returned. This also is a medical debt that is below {$500.00} and under the Medical Debt Rule, it should not be reported.
Product: Bank account or service

Dear Director : RE : Finance Company Consumer Complaint. / FNBO. / First National Bank of Omaha. 

Account Holder, Requested a Small Amount of Fund Transfer From FNBO, To Union Bank. 

Despite Requested The Transfer Days Ago, Fund Has Not Been Transferred. 

Finance Company, and Other Business Related Late Payment Fees ncuring, and The Consumer Very Concerned. 

Kindly Warn The Financial Company, Not To Intentionally Delay The Transfer, Please. 

Thank You Very Much, We Appreciate Your Business!!!! 

XXXX. 
XXXX, CA XXXX. 
XXXX. 
XXXX -- -- --
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account listed on my Experian credit report that is not mine. The XXXX, XXXX, has not shown me anything proving that I bought anything from them. Because I have not. Experian has investigated it at least twice, and can also show me nothing that shows this is my account. Because it is not. Yet Experian continues to show people that I am not paying my bill. This is false information, and Experian will not correct it, or correctly investigate. Experian asks XXXX if it is my account, and XXXX says yes, without providing any documentation that it is, and Experian continues to disseminate lies about me.
Product: Credit card

I got all of my belongings stolen XX/XX/XXXX and my wallet had my social secuity card, drivers lisences, etc. inside of it. Now these people are applying for credit cards from Chase ( XXXX XXXX ), XXXX  XXXX XXXX ( XXXX XXXX ), XXXX  XXXX ( XXXX XXXX ), and XXXX ( XXXX XXXX ). All of the companies have either called or sent letters in the mail that I have filed an application for a credit card ( when I have not at all ) it was the people who stole all of my belongings trying to file credit cards under my name.
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> TransUnion Subject : Dispute of Inaccurate Credit Report Information Under the Fair Credit Reporting Act Dear TransUnion I am writing to formally dispute an item on my credit report that I believe is inaccurate. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information on my credit report that I believe to be incorrect. I request that you investigate the following issue and correct or remove it as soon as possible. 

Account XXXX : XXXX XXXX Account XXXX : XXXX
Product: Checking or savings account

I opened an account with Citibank on XX/XX/2020 and had not used my account. I was going to use it as a savings account. while I was waiting on some funds to be processed at another bank I decided it was taking too long so on XX/XX/2020 I made an ACH deposit of {$60000.00} and I made sure that Citibank was well aware of the deposit in advance. I had asked questions along the way and made sure I was told the spending limits and learned the usages of my card. I was told that I would be upgraded to Citi Priority banking and that never happened. I had sent some XXXX payments to my son and that was the longevity of my account at Citibank. I also did have one additional deposit for {$1300.00} as well. 

Now at some point any and all transactions were declined and my account was blocked. However someone was using my funds in my account. A total of {$6500.00} is what I sent to my son in several payments over several days because my ability to send a wire was and is still blocked. 

I have not been able to manage my account and I have not been able to dispute any and all fraudulent charges on my account and I am told my account is being closed and that I will know more in 30 to 60 days which is insane. I explained to them that I have a bad problem with XXXX and that I need my XXXX  or I can die from a XXXX XXXX or many other issues due to not having it. I can't afford to buy it without my money I have no money because it is all in the account at Citibank. I also had previously before running out of my XXXX  explained that I had already put down a {$24000.00} deposit as the first portion of a down payment of a home that I am trying to obtain and that the other {$24000.00} was due on XX/XX/XXXX and that I would loose my {$24000.00} deposit as the first portion of the down payment because it was non refundable and I think they have already moved on and are in another deal now! 

Citibank didn't care and didn't do anything to help. lastly my father died during all of this and my birthday was last week. I didn't even have food or gas in my car on my birthday because of what they're doing to me. I need help and they need to reimburse me for all the money I have lost and all the money that I have had to borrow to survive during this time. I was moving into the new house and now I am bouncing around to hotel and to places I don't want to be I want to move into my house. I also successfully fully verified my identity every time I was asked to. Someone please help this is just a quick version of a very terrible situation
Product: Debt collection

Jefferson Capital systems LLC is harassing family members at an address that I don't even live at I do not live at XXXX XXXX XXXX XXXX XXXX  how they got that address I have no idea. I have never used that address.
Product: Credit reporting

XXXX XXXX XXXX XXXX is listed as a derogatory items on my credit reportXXXX is reporting wrong information on my credit report for a debt that was paid in XXXX 2015 in flagrant violation of the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX is reporting a rating of XXXX on a scale of XXXX on my credit for a debt that was paid off in XXXX 2015. It is a wrong credit rating because the debt was paid off. XXXX XXXX is intentionally reporting wrong credit information on my credit report and it has negatively affected me.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.


Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress : for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are reporting incorrect information on my account. They are reporting a XX/XX/19 late on XXXX XXXX. I have never been late and they need remove/fix the account.
Product: Money transfer, virtual currency, or money service

First Data was charging me a fee to process Credit Card Payments fort my Music Store. In XX/XX/2019, I decided to cancel their service and no longer use them. 

The account, I was told was closed. However, after receiving my monthly bank statements, I noticed right away that I was still be charged for their service. 

I called a second time to resolve the matter and the customer service refused to stop the charges because I did not know to the exact penny what last Monthly charge was. 

It is now XX/XX/2019 and I am uncertain as to wether or not First Data will continue to charge the monthly service fee. I was urged to seek out the assistance from the CFPB.
Product: Credit reporting or other personal consumer reports

I don't associate with the listed creditors, and these inquiries are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my credit report is displaying unverifiable and inaccurate information I am going through severe anxiety trying to get the issue resolved as I wait for a response. I am sure with your help and the integrity of Equifax, XXXX, and XXXX we can get this handled quickly. But I mailed letter to them a month ago and I haven't received a response and they haven't yet complied with my request. I'm not even sure if they opened an investigation. Please help. Thank you.
Product: Student loan

I have been going through this dispute for an extensive period. Key Bank has this debt listed twice on my credit reports, KEYBANK NA account number XXXX .... 
and XXXX Account number XXXX .... I never signed or knew of this account until my dispute. XXXX is the party liable for the account. Key Bank requested a notarized letter from XXXX, I have submitted several times, in which I have attached with her acknowedgement that this Key Bank account belongs to her once again. Key Bank requested a signature from XXXX which I did not have. It is unreasonable to request documents from that time frame.My signature remains the same no matter what documents I have submitted. I searched and searched and located the copy of my XXXX mortgage which had my signature and I sent Key Bank and attaching again. I have previously provided other documents which has my same signature. The only other documents I have are the documents from my deceased spouse and son which is dated XXXX and XXXX which is extremely private. I have submitted my property appraiser document which even showed that I have lived at my current address almost 10 years, which is my XXXX and my prior address is the address on my XXXX mortgage information attached. The address on your application is n't mine. I am exhausted all options besides legal measures in which I have consulted a firm. This is unbelievable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  opened XX/XX/XXXX with Equifax shows a delinquent payment in XX/XX/XXXX. The bank has sent documentation stating that they want to update the payment history due to incomplete in an accurate information. I am attaching the original letter from the bank, that agreed to delete the information. Please update the balance to the correct balance, and remove the late payment and update the payment history to paid never late.
Product: Vehicle loan or lease

ITs incredible simple, The bank Suntrust changed to truist. They refuse to let you pay online without a checking account, I have several checking accounts and am not opening another one. So I had a payment book, they sent a 1 year payment book and at the end of it with every payment being made on time, I have been waiting for 2 months since my last payment was made and they DO NOT have any customer service reps available to help me. Phone support has had me on hold for over 4 hours at 2 consecutive intervals. They changed phone menu so I can not pay over the phone. I've never had a bank send me a 1 year payment book for a 5 year loan, that already makes no sense. Then I've never had a bank just outright never send a payment book and have the audacity to charge me late fees. Its like they are using a tactic to repo my vehicle so they can sell it at inflated current prices.
Product: Mortgage

This will be my second complaint against my mortgage company Fay Servicing. When I went to pay my mortgage, I went online and now Fay is claiming I am behind a month. When I have been paying every month timely. 
When I have filed my initial complaint ( complaint # XXXX ) I was then informed they messed up my escrow analysis and now my mortgage will be raised from {$1300.00} and now will be {$1400.00} to cover the shortage due to their error. 
Now my account states I am one month delinquent and have been assessed a late fee charge of {$32.00}. I have attached the statement from their website. I want a third party to do a FULL analysis of my account and I want a detailed listing of where my mortgagee payment has gone and an explanation of why I am all of a sudden short on my mortgage. 
Fay Servicing needs to be shut down they are horrible. The reviews of horrible. The CEO and chairs really need to overhaul this company.
Product: Debt collection

I have took out a loan with Affirm INC on XX/XX/XXXX in the amount of {$600.00}. Affirm INC sold my account to XXXX XXXX with the balance of {$590.00}. I settled the account in full to XXXX XXXX on XX/XX/XXXX in the amount of {$350.00} via debit payment online. I have disputed the inaccurate reporting and settled in full information twice on XX/XX/XXXX. I have received the dispute results on XX/XX/XXXX with no changes being made to the reporting on XXXX. Affirm is currently reporting the account with an unpaid balance as of XX/XX/XXXX after disputing with the updated information of the XXXX  being settled in full with the third party agency, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I received my statement in the mail from Comenity - Ultamate Rewards Mastercard and initiated payment via my bank on XX/XX/XXXX and my bank records indicate the payment was delivered by XX/XX/XXXX. Comenity claims they did not receive payment until XX/XX/XXXX and issued a {$31.00} late fee. I do not feel that I was justly charged a late fee, nor should I have this reported on my credit. The company would only offer a {$15.00} credit and requested payment over the phone with them that would be a {$9.00} charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts and unauthorized inquiries appearing on my credit report.
Product: Checking or savings account

I was provided false information via bank representative regarding a CD account. 
I was specifically told by the representative and they verified that several times that the early withdrawal penalty was insignificant and basically what the representative told me was that I break rhe CD one week or more after opening it I will not lose any money. 
Basically I was told if I deposit XXXX and I withdraw them a week after depositing the money into the CD or later the amount of money I would get, would be XXXX XXXX or higher. Today I called the bank to withdraw the funds from my CD, and I was told this was not the case. 
Basically, the representative that offered me to open the account lied to me about the terms of this product and I opene the account based on this fslse information. 
Yes, the bank did play a long recording that is pretty difficult to understand and which I agreed to, but I took the time to verify the terms with a representative and he provided me false information