23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX account was readded to credit report after I disputed and had it removed XXXX/XXXX/16. I have attached proof. XXXX account, was added back to report after I disputed.
Product: Mortgage

On XX/XX/2018 Hurricane Michael, a Cat 5 hurricane, made landfall in XXXX County, Florida. I live in XXXX County and my home sustained major damage. My mortgage is with BB & T. The value of my home is approximately {$650000.00} and my loan balance is approximately {$300000.00}, meaning I have more than 50 % equity in the home. My insurance company has approved and issued payments for hurricane-related repairs in the amount of {$360000.00}. Because of my mortgage, BB & T is holding the money in escrow while repairs are being completed. 

As of today, BB & T has issued payments totaling {$190000.00}. BB & T is still holding {$160000.00} in escrow. Repairs that have been completed and paid for total approximately {$220000.00}. I have personally spent over {$55000.00} of my own money in order to keep repairs moving forward and have recently received invoices from my contractor requesting additional payments of more than {$30000.00} for work that has been completed. Once these invoices are paid I will have spent approximately {$85000.00} for repairs over and above the money released by BB & T. 

Despite submitting all necessary documentation, BB & T has continually delayed issuing payment and only recently XXXX today ) notified me that they would only be releasing {$31000.00} even though their own inspection has determined that repairs are 85 % complete. 

Most recently I submitted a copy of an invoice from my contractor and a copy of a cancelled check showing that I recently paid {$44000.00} for work that had been completed. BB & T has refused to reimburse me from the money held in escrow. Essentially, I am fronting money for hurricane repairs out of my own pocket all the while BB & T holds the money paid by my insurance company for hurricane repairs in escrow for their own benefit.
Product: Credit reporting or other personal consumer reports

I attempted to contact Experian for having false information on my credit report that they are reporting, but there is not a area that I can do that only for the specific creditor. The creditors are reporting correctly but the Experian credit bureau is false information. They are saying the reason for my score is I have late payment within the last 4 months and I do not have any late payments. When I did dispute things they refreshed all my things as if it was new.
Product: Mortgage

I made two payments by mistake via phone and online service for this specific provider. In effort to fix this issue I asked for a payment {$2000.00} made in error to be refunded. The payment was refunded for {$2000.00} via ACH on XX/XX/2020. My bank statement shows the correct payment made on {$1900.00} was payed and posted on XX/XX/2020. A notice was sent to me stating that I am missing two payments on XX/XX/2020. I called the shellpoint mortgage servicing to speak about this problem. They told me a check for {$1900.00} was issued and sent to me by XXXX XXXX. I never requested both payments to be refunded. Only one. And I never opened this mail either or cashed the check. She helped me by refunding the fee charged for this month and was very helpful in the matter. I have had many issues with this company and their process. They seem to have a problem with communicating and following up on matters. I want someone to be held accountable for these type of errors because its very upsetting and scary to get notices like this.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the correction or deletion of inaccurate information in my Experian credit report. Despite your previous claim that the information was verified, there are clear discrepancies that require your immediate attention. 

Here are the specific issues : Incorrect Charge-Off Date : My credit report lists the charge-off date for my XXXX account as XX/XX/XXXX. However, the correct date is XX/XX/XXXX. This misrepresentation significantly impacts the validity of the information in my credit report. 
Incorrect Open Date : The same account has an open date listed as XX/XX/XXXX, whereas it should be XX/XX/XXXX. The difference in these dates affects when the account should fall off my credit report, leading to confusion and potential harm to my credit score. 

According to the Fair Credit Reporting Act ( FCRA ), any information that is found to be inaccurate, incomplete, or unverifiable must be corrected or deleted promptly. I have attached a copy of my credit report from XX/XX/XXXX, which demonstrates these inconsistencies, as well as the results of a previous investigation where these errors remained unresolved. 

Given these significant inaccuracies, I request that Experian correct these dates or delete the incorrect information from my credit report. Additionally, I ask that you send me an updated copy of my credit report within 15 days to confirm that these changes have been made. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution.
Product: Money transfer, virtual currency, or money service

Hello, my name is XXXX. Today, I feel really sad and worried about the situation with my PayPal account. 

Today I received the bad news that my account has been permanently limited ( XXXX ). 

It's the first time I've had this situation. because I never used PayPal before. 

I use PayPal in a good way. 
I received payment from my job into my PayPal account because PayPal is the best company for receiving money safely. 

I always keep my account in good standing. 
I've never been in a fight or engaged in any other dangerous activity. 

My email address associated with my account is XXXX.
Product: Credit reporting or other personal consumer reports

I am contacting you to dispute fraudulent items on my credit report, which I believe result from identity theft. Pursuant to 15 U.S.C. 1681c-2, I am requesting that these inaccuracies be promptly blocked. 

Attached is a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT XXXX : XXXX ), which provides clear evidence of my identity theft claim. Under the provisions of 15 U.S.C. 1681c-2, once an identity theft report has been submitted, credit reporting agencies are required to block the disputed information identified as resulting from identity theft within four business days. The following entries on my credit report are associated with this identity theft and must be blocked immediately. 

I am writing to formally notify you that I have fallen victim to identity theft. I have reached out to the Federal Trade Commission ( FTC ) and have lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent accounts that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency via fax and Certified Mail. 

Fraudulent Accounts and Inquiries to Be Removed Fraudulent Accounts : XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXXXX/XX/year> I appreciate your prompt attention to this matter. Please confirm in writing once these fraudulent items have been removed from my credit file.
Product: Credit card

I have not heard from the response from Consumer Finance ( CFPB ) regarding new complain filed on XXXX. CFPB sent Consumer Finance had wrongfully sent my complaint to the wrong financial institution that was XXXX XXXX. It should be sent to Citibank. I am requesting {$35.00} for Overdraft Charge to Citibank in terms of my complaint XXXX. 

One monthly statement should withdraw one transaction from the cardholder 's bank account. However, Citibank 's multiple withdrawals of four different amounts from my bank account made a negative balance. Then my bank charged me overdraft fees in the amount of {$35.00}. And XXXXXXXX XXXX  credit score dropped. Then, I realized that Citibank NA blocked my online account and let me not access it to view transactions, etc. as of XXXX What an inconvenient bank they are!!! I want {$35.00} back from Citibank soon due to the overdraft fees charged by XXXX Bank. Please send my complaint to CITIBANK and not XXXX XXXX. Thank you so very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several requests asking that the personal information on my credit report be updated. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2021, I graduated from secured to unsecured account. My check # XXXX for my initial XXXX $ deposit I have not received. I understood the time frames may have been delayed due to holidays, but we are well past that. 

Check issued - XXXX - XXXX $ # XXXX and not received. 
I called regards several times but finally escalated to a supervisor on XXXX - spoke with supervisor she said she put in a stop payment verified my address as correct. Stated that my XXXX XXXX was on the line XXXX and she corrected it. 
XXXX - called spoke with a supervisor XXXX - spoke with a supervisor- was promised a call and resolution on by XXXX no call was connected. 
on hold for XXXX + minutes/ no one called back/had to call back XXXX - Supervisor stated someone was scheduled to call me back with a resolution- to day is XXXX. 
XXXX The supervisor insinuated that she was going to put in another request for my check to be sent. I stopped her because this would be the third time and according to their policy the XXXX time the check should be issued as direct deposit to my XXXX. This also did not happen. I am XXXX and XXXX  of promises made but nothing kept. I feel like they are stealing from me at this point and I want this resolved! I have called several times with no resolution and just the run around. Everyone has been nice, the customer service is not the issue. I would like my money back to me the fastest way possible. If it is in a check form, it needs to be expedited, certified mail. If it is XXXX, that would be even better.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting a follow-up CFPB Complaint to request the removal and deletion of the fraudulent accounts and information from my Credit File in accordance with the Fair Credit Reporting Act section 605b. On XX/XX/XXXX, I sent a dispute letter along with my personal identifying documents and the FTC report that I received for reporting the fraudulent activities that I found on my Credit File. Through my research, I discovered that I can request an investigation into my Credit File under the protection of the Fair Credit Reporting Act section 605b and request that the Credit Reporting Agencies remove any accounts and information that resulted from the fraudulent activity. Therefore, I request that the Credit Bureaus remove the disputed items from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. In the event that the Credit Bureaus find any documents that may support the claims that the disputed items belong to me, I request that they send me copies. However, if the Credit Bureaus do not find any such documents, I expect immediate deletion of the disputed items from my Credit File.
Product: Money transfer, virtual currency, or money service

I want to share my concerns about how Zelle handles disputes, especially after the recent CFPB lawsuit exposing major issues with the platform. Ive used Zelle many times, and when I reported problems, neither my bank nor Zelle took my claims seriously. They basically told me there was no way to get my money back or even track the transactions. The CFPBs findings show that Zelle hasnt done enough to protect users and has let repeat scammers take advantage of people. Its frustrating and unfair, and it makes me question how safe it really is to use Zelle.
Product: Debt collection

Received a call from a Mrs. XXXX who stated I owed a certain amount for a recent dispute with a former landlord. She said she was collecting a debt, I asked for a fax number as I wanted to validate the amount of the debt as it sounded inflated. She stated NCS doesn't have a fax number, so I asked for a mailing address which she provided me a P O Box. I asked for a mailing address to overnight the dispute but she failed to provide me the proper information so as I may dispute the amount in question. Further, her tactics on the phone were bullying and stalling and placing me on hold without my consent. I am complaining about the tactics being utilized of putting me on hold without asking, taking extended hold times, not providing me the proper information to accurately and confidently request a validation of the debt, not providing me the proper channels to request the validation and to feel comfortable that the information would be provided is accurate. I am not certain if the phone call was recorded or not but it was never explained to me that it was, which I would always forbid and would not take a call that was recorded. I told Mrs. XXXX since there was no fax or mailing address that I would request verbally to have the calls stop but she just stopped talking and put me on hold. I later explained to her that this was something in dispute because the company didn't preform any maintenance that was satisfactorily completed, for the entire time I lived in the apartment, even though I have arthritic knees and needed to have the dishwasher working, it didn't work for over 2 years. She had no interest in helping me validate this debt but just wanted to give me a P.O.Box and no other information when it comes to being able to adequately validate this debt. I would encourage the CFPB to call this company and take a sample of how their operators act and talk on the phone and you will immediately see the bullying tactics being used to try and collect debts that are not being properly validated when in dispute. Further, during the call, no information was provided to me to help me navigate the debt in question, no account numbers, tracking numbers, etc. I have no idea what these people are talking about other than it was XXXX XXXX.
Product: Credit card or prepaid card

Discover bank still has my XXXX credit card attached to my XXXX wallet they wont remove the card from my phone. The account has been closed and sold to a debt collector. Ive contacted the company and I got transferred to somewhere in XXXX and this happened of XXXX but around XX/XX/XXXX and discover when I called them up they have no acknowledged my account but the wallet is stuck in my XXXX XXXX and they they tell me that they cant remove it from my phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have initiated a multiple disputes with Experian over the past few months to remove unauthorized Inquiries they have failed to fully validated that I initated. It has been well over the 30 days given for Experian to respond with validated proof to delete these inquiries per the Fair Credit Reporting Act. I have provided all requested documents to Experian including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditors but they have also fail to fully validate these unauthorized inquries belongs to me aswell. Below are the reporting Inquiries that should be Removed / Deleted from my Experian credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. Reporting Inquiries : 1 ) XXXX XXXX - Date Filed : XX/XX/XXXX 2 )  XXXX XXXX - Date Filed : XX/XX/XXXX 3 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX Experian Attn : IDENTITY THEFT DEPARTMENT XXXX XXXX XXXX XXXXXXXX, TX XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN : XXXX DOB : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I received an email from my bank in XXXX of 2024 saying " Congratulations on your new account! '' I never opened a new account. The process began. I learned I was a victim of identity theft. Someone opened a XXXX XXXX card in my name, and I later learned had a savings account in my name that was years old. I was receiving the notifications for their bill to be paid timely to stay in good standing with the credit bureaus. I started with XXXX and had some success. I tried Equifax, and to this day, despite having submitting a police report, I can not contact them on the phone or log into my online account. Whoever stole my identity has their phone number as the XXXX step verifier. The other XXXX bureaus- XXXX and XXXX I was able to gain access to my online accounts and begin disputes- some were in my favor, some not. During this weeks long adventure I learned the person bought a car, car insurance, a XXXX store credit card, and was in the process of waiting for application approval on other store cards. As I mentioned, I have had some successes with the XXXX bureaus, none with Equifax. I am down to a XXXX credit score as a result. Currently the phone numbers, addresses, and employers I have disputed that were never mine, some are still not resolved. I spoke with XXXX  XXXX fraud department on the phone and even though I told them I never opened an account, therefore I do not nor have I ever created an online account / profile with them - they said they could see XXXX ' logged in just a few days prior. They launched an investigation, but I don't yet know the results.
Product: Debt collection

I have been abused and mislead by these debt collectors as they are attempting to collect an alleged debt that is not mine, they have violated my consumer rights and in used profane language within their mediums of communication. In pursuant to 15 usc1692d ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. In our household the term debt is profane language, I am well aware of my rights and ability to lend credit. With all that being said I cease and desist all illegal activity from this account in pursuant to 15 USC 1692C ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except THE ONLY REASON EYE SHOULD BE GETTING ANY FURTHER COMMUNICATION IS TO TERMINATE THE ACCOUNT OR TO BE NOTIFIED ON REMEDY OWED TO ME FROM THEM VIOLATING THE FDCPA. There is abundant evidence that they have violated my rights that are protected within the FDCPA against debt collectors.
Product: Credit reporting or other personal consumer reports

Upon thoroughly checking my credit report, It made me deeply frustrated. My report contains errors and missing information. Despite my repeated requests for corrections, these issues remain unaddressed, negatively impacting my life and my credit score.
Product: Checking or savings account

To whom it may concern : I would like to file a complaint against Webster Bank and more specifically, the fees that the bank imposes for insufficient funds. Currently Webster Bank charges {$37.00} for insufficient funds per bank transaction. The bank fails to indicate the time when each transaction occurs. The bank only tells the customer the date of the transaction. In my case, I was charged four {$37.00} fees for transactions that the bank claimed, I did not have funds to cover. See attached bank statement from XX/XX/XXXX until XX/XX/XXXX. I was charged {$37.00} for four bank transactions that occurred on XX/XX/XXXX ( one ), and XX/XX/XXXX ( three ). I note that my balance never went to {$0.00}, and I deposited close to {$3000.00} ( {$380.00} plus {$2600.00} ) on or aboutXX/XX/XXXXI called the bank and asked the bank to refund at least 3 of the {$37.00} insufficient fee charges. The bank refused to refund any of the {$37.00} insufficient fee charges. I was told that I already had {$37.00} insufficient funds refunded to me in the past and it is the bank policy not to refund more {$37.00} insufficient find charges per year. I escalated my call to a supervisor, and I was told that someone will call me back within 24 hours, but no one called me back. I believe that Webster Bank insufficient fund police provides a revenue for the bank from " legally stealing their customers money. '' I also note that I have overdraft protection on my checking account. I believe that the bank should have use the funs available to cover some of the charges that were withdrawn from my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize how this account is reporting on my credit report. I do not recognize the account number. I do not recognize the account status. I do not recognize the account high balance, nor do I recognize the late payment associated with it. Everything reported here does not meet the FCRA.
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 COMMISSION or https : //www.ftc.gov  to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 alleged identity theft XXXX not later than XXXX business days after the date of receipt.