23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received communication that I owed a debt to an old apartment complex I stayed in for only a month. I left the place because of their lack of security, roach infestation and loud obnoxious neighbors. I went to court because they said I had not paid my rent. I had money orders etc to show it was paid yet they still sought legal action against me. I responded to the judge and explained the situation thoroughly. The judge then waited the allotted time for the lawyers to respond and they never did. The case was then dropped due to lack of prosecution. I found out later when applying for a job that the apartment complex sold the assumed debt to a third party debt collection agency. I sent over the court documents showing the case never had a judgment placed on me yet they still try and pursue payment. I submitted documents to the credit bureaus and all debt was removed from my credit reports. This month I tried applying for a loan and was denied because a eviction showed up on my credit report. I need this stressful situation resolved because they are causing me undo stress as well as embarrassment.
Product: Credit reporting or other personal consumer reports

I have been the victim of identity theft, which has resulted in unauthorized and inaccurate information appearing on my credit report with TransUnion, XXXX, and XXXX. Specifically, my personal identification information, including my Social Security number and other personal details, have been used without my consent. These unauthorized accounts and inquiries have severely impacted my creditworthiness and were reported by these agencies without proper verification or my authorization. Despite my requests for the removal of this information, TransUnion, XXXX, and XXXX continue to maintain inaccurate information. I do not want a fraud alert placed on my account, but I am seeking the immediate deletion of the fraudulent accounts and inquiries.
Product: Credit card or prepaid card

Wrong information on my credit report fraud connected to addresses that I never lived at on credit report! Someone fraudulent using my information. Fraud on this account MILITARY STAR Card XXXX You may contact the customer service desk where the payment was made or contact the Exchange Credit Program Call Center at XXXX ( STAR ).
Product: Checking or savings account

Citizens Bank allowed someone in a different state to close my debit card and steal {$15000.00} from my accounts ( {$7000.00} XXXX XXXX & {$8600.00} Checking ). I did absolutely nothing wrong, I notified Citizens as soon as I found out which was the next day after suspicious emails which I provided to Citizens Bank, I filed a fraud alert on XXXX, XXXX, and XXXX, and filed a police report. I've contacted Citizens fraud department and they told me my requests to get my money back has been denied. This happened over a month ago and now it is at the point of the " office of the chairman '' of Citizens Bank and they are still giving me the runaround. This money was stolen right at XXXX time and not only did Citizens never apologize to me for allowing someone to steal {$15000.00} from my accounts but are telling me I may not get my money back at all. This is a huge institution, i've been banking with them for 20 years, shouldnt they immediately give me my money back and then deal with the fraud on their side? Is my money not insured at a major bank? I have hardly been able to sleep or concentrate on work since this happened and its been over a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated not once but three different times but how is this possible if there is inaccurate information across the bureaus, high balance reporting wrong, date opened wrong still showing credit limits on closed accounts, ect. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 Section 604 A section 2 states a consumer agency can not furnish a account without written instructions. I have sent multiple of disputes concerning this matter, and each dispute was a copy of my passport, driver 's licenses, social security card, and updated utility bill. Each response was please send proof of id letter just to keep stalling this process. It will be a copy of the last letter sent to them.
Product: Debt collection

Congress Collection placed a {$3700.00} collection on my credit file from XXXX XXXX after a yr of requesting they verify the debt, They are also reporting the incorrect amount I owe which is substantially different than the amount they were awarded by the court. I have asked that they remove the inaccuracies from my report but the manager at this collection has refused to update information with an accurate amount. She has treated me very unkindly and been extremely rude hanging up the phone in my face. She told me to stop calling their offices about this debt because she wasn't removing anything. I offered to provide proof that the amount is inaccurate but she refuses to accept any documentation regarding this matter. I sent this lady proof over 4 years ago which she completely disregarded. She has not even verified this debt as accurate.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
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 accounts 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 accounts 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.Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you 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. This account ( s ) is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

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

XXXX XXXX XXXXXXXX Date Opened : XX/XX/22 Balance : {$360.00}, XXXX XXXX XXXX Date Opened : XX/XX/22 Balance : {$82.00} 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: Money transfer, virtual currency, or money service

XX/XX/2021 : sold {$160.00} worth of Doge Coin through Binance.US, sale went through and only showed {$90.00} available ( still hasnt given me the remaining {$70.00} ) Ive attempted to withdraw the available {$90.00} every day since the XXXX ( today is the XXXX ) but have been met with a message reading withdrawals suspended due to risk management mind you Ive followed every single XXXX / authorization process before setting my account up to avoid this. 

On XX/XX/2021 I sold my remaining XXXX doge for USD but Binance.US decided to give me USDT crypto instead of the USD standard - didnt ask for that - then wouldnt allow me to sell for USD for {$380.00} - leaving a total of {$470.00} in my binance.us wallet not including the missing {$70.00} from the initial XXXX $ XXXX sell I have put in multiple support tickets, tweeted the official accounts for binance &. Have reached out to their financial advisor all with 0 answers. Through my research this is a constant issue within this company as they face lawsuits form the very community thats supported them.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX via XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX State free disclosure, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX  XXXX, XX/XX/XXXX XX/XX/XXXX XXXX, XX/XX/XXXX Consumer info via XXXX XXXX, XXXX Via consumer info, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX , XX/XX/XXXX XXXX XXXX . These are all the companies that pulled my credit file fraudulently and cause Inquiries on my credit report account. I have contacted these Individual companies personally and and ask them to contact to reporting agency and remove these Inquiries but they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unauthorized inquiries on my XXXX and TransUnion credit report. 
Inquiries with XXXX are : XXXX XXXX TransUnion are : XXXX XXXX, XXXX, XXXX and XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have concerns that my credit information is inaccurate and/or erroneous.I have official disputes on my credit file but my credit score remains in a adverse zone. I 'm seldom tardy with payments and am in good standing with all creditors.This whole system credit reporting system is nebulous at best and truly adversarial, invidious and punitive.Also, the imbroglio germane to the Equifax breach stings as well. Perhaps formal litigation is necessary to ameliorate and/or rectify the inequities in the credit reporting procedures and terminate their comfort level. The status quo is an abject failure.
Product: Money transfer, virtual currency, or money service

XXXX XX/XX/2022 : My minor daughter received XXXX checks delivered on XXXX  which she deposited using XXXX. 
XXXX XX/XX/2022 : New online devices, that are not known to us, were added to the account. 
XXXX XX/XX/2022 : XXXX ( XXXX ) unauthorized payment transactions each for {$1000.00} and XXXX transaction for {$500.00} were made out of her account. 
XXXX XX/XX/2022 : XXXX of the {$1000.00} and the {$500.00} transactions failed. 
XXXX XX/XX/2022 : I noticed the above transactions while reviewing my account online and called the Truist fraud line to start a fraud complaint. Truist stated they would send me documentation to fill out and submit. 
XXXX XX/XX/2022 : I visited my local branch office to report the fraud in person. 
XXXX XX/XX/2022 : I received the above documentation and a denial of claim letter. 
Complaint has been filed with the FBI XXXX XXXX XXXX XXXX Despite determining that both her Truist and XXXX accounts had been compromised, Truist maintains that the transactions were authorized and would not refund the money. Later they did refund XXXX {$1000.00} transaction. In the end she was defrauded of {$5000.00} because of Truist and XXXX. 

Additionally, in the claim denial letter it was stated that I could receive all documentation related to the claim which I have asked for multiple times. Truist claimed, contrary to their own letter, that the documents were internal use only and that I would not be allowed to see them. After much discussion I got the online representative to agree to send the documents to me but that has not happened. 

If they maintain the transactions were authorized then they should prove it. The transactions were not authorized and they just expect us to take their word for it?
Product: Mortgage

I was informed, after the fact, that my homeowners insurance, which was supposed to be paid out of escrow funds by Loancare, was cancelled despite having adequate funds in the escrow account. The insurance company stated the reason for the cancelation was because the payment was sent in late and therefore they cancelled the policy and returned the payment. Once I found out that the policy had been cancelled, I immediately went to work trying to get the original policy reinstated. This took a crazy amount of phone calls and time but after about two months, the original policy was reinstated at a higher rate. 

Both the insurance company and Loancare state that I was uninsured from XX/XX/XXXX-XX/XX/XXXX. Loancare put their own policy in place which was {$1000.00} a year more than the original policy. Loancare now states that even though I was uninsured, I would still have to pay for the new almost {$1700.00} policy that either never went into effect or was in effect for only a month or two. They said this was a " penalty '' for not having insurance ( which they were supposed to pay out of escrow funds in the first place ). When I disputed, they said there was " nothing we can do '' other than to have a supervisor from the insurance department call me within 48 hours. I never received that call.

As a result of all this, my payment has gone up about {$300.00} a month. After seeing that they have over 800 similar complaints on this sight, I believe that situations like this are not isolated incidents, but rather common practice for Loancare. In short, they XXXX up by not paying my insurance on time and are expecting me to pay for it. This could have been an easy fix for them. All they had to do was admit they made a mistake and take the appropriate corrective action to fix it. It was clearly their own mistake. 

I may not be able to make the full new payment. I suspect the next thing that will happen is they will unjustly XXXX up my credit and attempt a foreclosure. 

I rarely make consumer complaints but these people have went way over the line. I would not recommend using them under any circumstances. Their customer service is nonexistent and they put people at risk of being out on the street with little concern. They couldn't even tell me if the new increased payment was temp or permanent.

I want ( and expect them ) to repay any money already paid for this replacement insurance policy and return my monthly payment to it's original amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. XXXX and Equifax must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. Balance : {$5300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I consider Citibank engaging in XXXX XXXX and fraud due to my XXXX XXXX  and my XXXX and this violates the my XXXX XXXX XXXX XXXX as an XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

I also accuse Citibank of denying me benefits ordered by the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIn XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I just had XXXX and go back to work in XXXX XXXX. I asked Citibank for all XXXX cards for payment delay till XXXX. 

XXXX. I asked Citibank for a payment delay due to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Order requesting all financial services companies give the victims a XXXX XXXX window to recover and not be charged late fees and start payments in XXXX. 
attached is the Order XXXX signed on XXXXXXXX XXXX XXXX XXXX XXXX XXXX signed XXXX XXXX XXXX XXXXXXXX XXXXXXXX requesting similar disaster courtesy due to XXXX and to allow victims to delay their payments to financial institutions for a limited time. attached Order. 

4. I have a Goodyear credit card # XXXX serviced by Citibank. I called them and asked for the XXXX XXXX delay and waiver of my late fees. They said there is no XXXX XXXX notice anywhere. So I know they are lying because they admitted they provided this courtesy to all of the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 

5. I have two Home Depot CC ending in XXXX and XXXX also serviced by Citibank. and asked for similar abatement for XXXX XXXX, They said there is no XXXX order stating there is a disaster! 

6. I have a Brand Source CC with XXXX balance on it that I tried to use to buy a stove and frig for our home. Citibank serviced that card and stated that they closed it because I waited too long to use it. This is an emergency and there is no reason to close this account that I maintained for many XXXX  and paid off promptly.
Product: Payday loan, title loan, or personal loan

I had a savings account with XXXX. XXXX was purchased by Citizens Bank so my account was transferred over to Citizens. Instead of opening up another savings account Citizens Bank opened up a line of credit ( or personal loan ). I never had a line of credit nor ever requested one at XXXX nor any other bank. When I asked Citizens why they opened a line of credit in my name they told me because I had qualified for one under XXXX they opened up that type of account in their bank. I never used the line of credit at Citizens Bank, I called them and told them to close my account. The account was closed and then I received a letter from Citizens Bank stating that my balance was " paid off in full ''. 

I am afraid my credit score will be affected by this. This was not an isolated event. The same issue occurred to my sister as well. Can you please investigate as to why Citizens opened up a line of credit without my permission?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against Experian for reporting false public records, fraudulent accounts, incorrect addresses, outdated negative information and unauthorized inquiries on my credit file in violation of my rights under the Fair Credit Reporting Act. I have been a victim of identity theft and the items listed on my credit report do not relate to any of the transaction that I have made or authorized. I have provided Experian with police report and Federal Trade Commission identity theft report on numerous occasions.
Product: Bank account or service

I have a Checking Account at Key bank, which has been open for several years.For the past 5 weeks I have not been able to transfer funds or pay bills on Online Banking. I have had XXXX lengthy conversations with Customer Service and Online Banking. Not only has this problem not been resolved, but no attempt has been made to enable me to transfer my funds or to find an alternate solution. I do NOT understand how it is legal for the bank to deny me access to TRANSFER FUNDS from MY OWN account.I do not reside in the US and need to transfer money, as I have been doing for 5 years, from my Online Banking checking account to a foreign exchange account. This is the money I live on. My credit card payment is due shortly and I need to transfer the funds to pay this and also to pay for my everyday expenses. I find this situation untenable. Please help. Thank you
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered several billing errors. The late payments listed do not correspond with my usual payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I assumed a mortgage from a family member, and now the loan is reporting with the old payment history that I have nothing to do with. I assumed this loan in XXXX XXXX and I am only responsible for the payments from XXXX XXXX XXXX. My credit score has dropped drastically.XXXX XXXX should not have reported the negative information of the loan to my credit report. Please help me resolve this matter ( ASAP ). Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts have been disputed on these dates for these reasons : XXXX, XXXX Incorrect balance, the date reported, and the account type are inaccurate. 

XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX