23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

After refinancing my mortgage in XX/XX/XXXX with the company, I was making payments that should have been escrowed for taxes and insurance. Unfortunately they did not set up the escrow account. I had no knowledge of this until XX/XX/XXXXafter my had had suffered damages from hurricane Irma. When I called my insurance carrier they said I did not pay the premiums and therefore I am not covered. I immediately contacted my mortgage company the agent that wrote the policy and my mortgage broker. The employees of my mortgage company tried to tell me o was responsible for the house not being insured. I continue calling them until I found someone XXXX XXXX who was willing to listen and research what had happened. 
Because the house was not insured, the mortgage company placed a forced placed policy on the house that had a ticket price of over {$8100.00}. I continued calling my mortgage company and had no success. After much research into the company I was able to find the names and email address of management and emailed them and the consumer ombudsman. I decided to email them of my problem. Two months later in XX/XX/XXXX I received a call from an XXXX XXXX who identified himself as the owner of the company. I was also in communication with an XXXX XXXX. I was told that I should not be held responsible for the lack of action on the part of the company and would not be responsible for paying the forced placed policy. I was billed for over {$6700.00} putting my escrow account in the negative as a result. The mortgage company had scheduled an assessment of my damages and it came up to {$10000.00} and change. After numerous emails and phone calls to the mortgage company I got them to agree to give me the difference of what my deductible and the $ XXXXso I can get the repairs done and secure my own insurance. The approval of the checks took months, thus delaying the repairs and my ability to secure insurance so the forced place policy that did not cover me and my belongings could be removed. They sent the check in XX/XX/XXXX for a little over {$3100.00} I worked with a general contractor for the repairs done and obtained insurance in XX/XX/XXXX. I do not think it is fair that I should pay the {$6700.00} and change for the premium since they initially agreeed it was their mistake. And now I am in touch with XXXX XXXX and she said that was never agreement made. She is claiming the {$3100.00} check was to help with insurance when that was solely for the claim that was processed for the repairs. I told her if my original policy would have been a set amount I understand I needed to pay that bill me for that but the mortgage company need to own their part in the fiasco. I should not pay for their mistake. I would like a refund for the forced placed policy.
Product: Money transfer, virtual currency, or money service

I ordered a laptop and a phone from a company. The phone was received and no problems. The laptop was not in stock for shipment and I confirmed that a refund was provided to PayPal. I was not aware when ordering and after delay and refund request I was notified by the company that they were having problems with PayPal. I thought to immediately resolve transaction with PayPal for funds to fill requirement. I was told by PayPal there would be a wait and then decided to immediately access funds disputing the transaction with my bank instead. PaypPal is firmly stating I need handle the harassment by paying the collection agency while only providing a document after my request of one return payment but claims they paid twice to XXXX XXXX XXXXXXXX {$2000.00} regardless of my bank statements sent to the executive office from which I've had email contact showing the complete range questioned for a second deposit/return. This might be a scam because it is difficult for me to have to understand how their error is possible. I'm hoping an authority with authorization to transactions can review if PayPal actually had a process that allowed two payments
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, I obtained credit report from Equifax and submitted a dispute for investigation. 
Equifax report confirmation number XXXX Dispute Confirmation # : XXXX Expected completion date : XXXX/XXXX/XXXX ( Estimated ) XXXX XXXX through XXXX, after the 30 days allowed by law had passed, I was unable to obtain the results of the dispute investigation online or over the phone due to nonworking online/automated systems of Equifax. Additionally, no response was delivered by mail. 

Equifax failed to respond within 30 days and continues to violate my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to fix, Experian agreed with me that i only had 1 late payment X/2014. They did not fix a incorrect payment they are reporting in 2014.
Product: Credit card or prepaid card

In XX/XX/XXXX, Comenity Bank/Lane Bryant lowered my credit limit without notice, and without my permission, and permanently closed my account on XX/XX/XXXX. This is adverse action, and federal violations of Regulation B 12 C.F.R. 1002.2 ( c ), 15 U.S.C. 1691 ( a ) ( 6 ). According to Regulation B 12 C.F.R. 1002.4 ( a ) and 12 C.F.R. 1002.4 ( b ), Comenity Bank/Lane Bryant has XXXX discriminated against me, and has inflicted discourgement upon me. According to 15 USC 1602 ( a ) ( p ) this is unauthorized use of my credit card. I did not benefit in any type of way, from Comenity Bank/Lane Bryant revoking , and closing my credit account unlawfully. I made a previous complaint via the CFPB. On XX/XX/XXXX, XXXX XXXX of the Compliance Department at Comenity Bank/Lane Bryant responded to my complaint via CFPB, and threatened to injure my reputation to the consumer reporting agencies by retaining my consumer information, amongst other civil and criminal acts. I never gave Comenity Bank/Lane Bryant XXXX XXXX XXXX XXXX XXXX, or permission, to report my credit information to the credit reporting agencies.This is a federal violation pursuant to 18 USC 876 ( d ), 15 U.S.C 1681s-2 ( 7 ), 15 U.S.C 1681a ( d ) ( 2 ) ( b ), 15 U.S.C 1691 ( a ), 18 U.S.C. 914, 15 U.S.C 1692d, 15 U.S.C 1691 ( a ), 18 U.S.C. 241, 18 U.S.C. 242, 15 U.S.C 1681n.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019, I disputed an account reported by XXXX XXXX account number XXXX, in my file maintain by Equifax. I check my credit file on XX/XX/2019, and it had the account from XXXX XXXX   was removed, I checked back on XXXX XXXX it was reinserted on my credit report, and now it doesn't even show where it was being reported removed in my credit file. Me being a XXXX XXXX Veteran, This was a big shock and is a very big question on the Integrity of Equifax treaty consumer with fair service. In accordance with the requirement of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. Which Equifax failed to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX 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 XXXXXXXX, MO XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; If the 3 credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the 3 credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XXXX  XX/XX/2022 XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

As of XX/XX/2020 I have contacted both XXXX XXXX XXXX and their collection agency The Best Service Company to solve a collection issue that is two years old and I had to find out during a credit check. I noticed that the collection agency has only called me and left a voicemail, I can not recall the dates, and never gave me written notice of debts that are owed nor rights to dispute. XXXX XXXX has stated that I need to go through the collector in order to resolve the debt, but I have not heard anything from the collection agency. I'm also XXXX XXXX military and have noticed a plethora of charges on the account prior to sending to collections.
Product: Checking or savings account

I made a deposit of {$1300.00} only {$200.00} was applied to the account, I called customer service about the {$1100.00} they told me the check clearing house was holding my funds until XX/XX/2019. When I checked the account the funds were dream from the funds had been released, I called BOA customer service they told me there was nothing they could do. Meanwhile three checks bounced fees were applied to those checks I called BOA customer service today the funds were there however the bank has consumed all my money with fees To resolved O would like for the bank to reverse the fees, apply to my account. Thus has caused a hardship, I am behind on my bills, can not do any transactions because their check clearing company hold funds for nine day while checks are declined and fees accumulate to benefit the bank
Product: Credit reporting or other personal consumer reports

The following accounts on my transunion credit report are inaccurate. I have filed an identity theft affidavit. The accounts are the following : XXXX  XXXX XXXX opened on XX/XX/XXXX, another loan from the same place opened on XXXX XXXX. Another student loan opened on XX/XX/XXXX. All of these hard inquires are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I write in response to a fraudulent Chase account that was opened using my name and social security number. I discovered this account on or about XX/XX/2023 when I went to lease a new vehicle. The dealership ran my credit report and informed me that a Chase card was adversely impacting my credit. I immediately called Chase to file a fraudulent application / account report. I was informed that I would receive correspondence confirming that the account was closed, canceled and removed from my credit report. I did not receive any such correspondence. When I called to follow up on the status of this matter, I was informed that my claim was denied and that I would be responsible for this account because a valid payment had been made on the account. I have never applied for nor had any Chase account. I do not know who made a payment on this account or that if the payment was valid or not. I am hereby demanding that Chase comply with its obligations under the FCRA and to remove this account from my credit report immediately otherwise I will no choice but to proceed with legal action. Thank you
Product: Checking or savings account

I went to the Citibank Headquarters ' branch on XX/XX/XXXX. They advertised me the Citigold Account and the bonuses for opening up an account at Citibank as a new customer. 

I chose to deposit {$30000.00} for a {$500.00} account bonus and they opened up a Citi Priority account. The terms were to initially keep the funds in the account for 20 days ( XX/XX/XXXX ) to determine the maximum account bonus. After that to keep the funds in the account for an additional 60 days ( XX/XX/XXXX ) to guarantee my bonus. Then finally, wait an additional 30 days ( XX/XX/XXXX ) for the funds to be credited to my account. 

I have went to the physical branch, complained through email several times, and contacted customer service multiple times through the app and the phone over the course of a month. They claimed to have opened a research case for me on XXXX XXXX ( an entire month ago ) and that it is marked as top priority that has been escalated. It is already nearly 2 months overdue and I have complained multiple times on every source possible ( phone, email, app, in-person ) and I still have not been credited my account bonus. 

I contacted customer service over the phone on XXXX XXXX to escalate to a supervisor. The supervisor claimed she would call me back within 24-48 hours but this was not the case either.
Product: Debt collection

I have received the following answer from Merchants XXXX for my complaint ID XXXX : Hello XXXX, Thank you for contacting MCB. We searched our records and did not find an account under your name, address or Social Security number. If you can provide the name of the medical office or physician 's name we can make an additional search to possibly locate the account. Thank you, XXXX XXXX. 
I would like to answer XXXX that I have only the information which shows on my XXXX credit report. It says that the XXXX XXXX is XXXX XXXX XXXX. 
If you still can not find any matching information in your records please remove my account from the collection. Thank you.
Product: Credit card

I received a notification via email on XX/XX/XXXX of an outstanding balance on a credit card that had been closed since XX/XX/XXXX. 
The last payment on this card had been received by the bank on XX/XX/XXXX and in XXXX of XXXX I was informed by the bank that the account would be closed if no further activity in 60days. 
XXXX reports the card closed as of XXXX, XXXX. 
The last use of this card used with the charging merchant was in XXXX of XXXX. 

Upon calling the bank to dispute the charge and request clarification I was informed by the customer service representative that the card had been " automatically upgraded '' on XX/XX/XXXX. 
I never received or activated any new card of this bank nor was I informed in any way of this " upgrade ''. 
I had issued a credit freeze with the three reporting agencies on XXXX XXXX, XXXX after receiving notifications from a monitoring service of my SSN being compromised. 
The customer service representative issued a complaint # for the dispute. I requested that the card should be cancelled immediately. Requesting further information from the bank via their secure message center as well as a repeated request to cancel the card only yielded a canned response so far. 
In XXXX I had to close all my bank accounts with this bank after an attempt to breach my online banking account.
Product: Money transfer, virtual currency, or money service

Problem : I changed phone numbers on XX/XX/2021, and I have 2 factor authentication ( 2FA ) on my Binance account. I have been trying to contact Binance Technical Support to get back access to my account ever since. I can not transfer/withdraw/deposit or do anything else with my money since this started. 

Estimated Virtual Currency Amounts : BTC XXXX BNB XXXX XXXX  XXXX XRP XXXX I would post an US Dollar estimate of these amounts, but it could change dramatically by the time you read this. 

XX/XX/2021 I changed my phone number. 
XX/XX/2021 I sent a email ( the only way to contact Binance ) asking to reset my 2FA to get access to my account. 
XX/XX/2021 I get an email saying my ticket was merged. 
XX/XX/2021 I get an email saying my ticket was merged. 
XX/XX/2021 I get an email saying that my request was received. 
XX/XX/2021 I get an email asking if I still need help, and I respond that I do. 
XX/XX/2021 I send an email saying that I will submit a complaint to the federal government if they do not resolve my issue Everything that I have seen online says that Binance is very bad at responding to these issues. If it persists, I may look into starting a class-action lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get incorrect fixed on my credit report. Sent letters 2 months ago to the credit bureaus, all 3 and have not heard a thing.

They all have numerous addresses for me. 

The only addresses it should mention are XXXX XXXX XXXX XXXX Wisconsin, XXXX and XXXX XXXX XXXX XXXX XXXX, wi XXXX ALL OTHER addresses need to be taken off. Some of these addresses I do not know where they found them. 

The only name they should have on my credit file, is XXXX XXXX XXXX. NO diversions from this name. Only this name. 

None of the phone no 's are correct. Phone no. need to come off. 

My employer- they do not have any correct employers. I don't know some of these places they list. They need to come off. I can not believe all the incorrect information they have. 


I only have the one social security no, only one. Only the correct one should be listed. 
XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made a balance transfer XXXX from my PayPal account to my PayPal prepaid XXXX now PayPal says they sent the money and the card people are telling me they never got it and it failed on there and no one 's taking responsibility for this I'm still ouXXXX XXXX and PayPal is been putting me off for 6 days now and I have gotten no resolution from them other than the assumption is that they stole my money they keep putting it too well we're working on it they acknowledged that it was a computer program on there and but have failed to fix the problem as to I don't have my money and they don't care
Product: Checking or savings account

A account have been opened in my name at Bank of America that I have no knowledge about. I cant access the account because I have any information but I keep receiving messages about funds being transferred
Product: Credit reporting, credit repair services, or other personal consumer reports

Department of EdXXXXAidvantage reported late payment on XX/XX/2018 for all loans when a forbearance request was submitted and approved. Loan company stated they would correct and remove late payment. They did not do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 a hard XXXX for XXXX XXXX XXXX ; t was made that was not me
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Filed/Reported XXXX XXXX  Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$120.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Equifax back in XXXX of XXXX about XXXX fraudulent accounts on my consumer report, XXXX XXXX XXXX XXXXXXXX XXXX in the amount of {$5800.00} and the other amount for {$2500.00}. I submitted over my identity theft affidavit, my police report, and a statement stating the account was fraud and to block this information from my consumer report. Equifax sent a letter statement they were not going to block the account but they were going to investigate the account. On XX/XX/XXXX Equifax completed the investigation and update my consumer report saying the account balance decreased by {$420.00} and the other by {$77.00}. The account was also reporting charge off but now the account is reporting as unknown payment history from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I am trying to see how did Equifax investigate a fraudulent account and furthermore how did a account go from charge off to unknown payment history and the account is back open. That is not accurate information that Equifax is reporting on my consumer report. Remove and block this account immediately from my consumer report. If the block is rejected, please send in writing why this block was rejected and what claims does Equifax have to support the rejection of this block. I will attach screenshots below of the status and history of this account. 

Accounts : XXXX XXXX XXXX ; Amount : {$2400.00} Accounts : XXXX XXXX XXXX : Amount : {$5400.00}