23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received an email XX/XX/XXXX saying something for a loan was being processed for " XXXX XXXX ''. I assumed it was a scam/spam email, since I have never used affirm before, so I ignored it. XX/XX/XXXX I got an email saying I was approved for a {$1400.00} loan for XXXX XXXX Again I ignored it. I then received emails on XX/XX/XXXX and XX/XX/XXXX with links to Affirm with information about " my loan ''. I did not click the links. On XXXX i got an email with confirmation for a total loan on {$1600.00} being accepted for XXXX XXXX I got an email on XX/XX/XXXX saying payment for {$140.00} was due in 3 days. On XX/XX/XXXX I tried to reach out to XXXX XXXX with nobody answering my phone call. I also called Affirm and was told over the phone, the loan was my responsibility and that I could fill out an affidavit. I filled out the affidavit and sent it with no response. I email them again and was told that the loan was my responsibility. I tried multiple times to dispute this with them and they denied it. It has since gone to my collections. I do still have all of these emails.
Product: Debt collection

XXXX XXXX XXXX is reporting a collection on my credit reports for a auto loan I do not owe. They have never contacted me about this debt or given me the opportunity to dispute the debt originally. I have disputed via the credit bureaus this collection and sent a letter requesting proof of debt. They have no signed contract between myself and them proving that I owe this {$10000.00} amount. Secondly the company that responded to my request for validation from XXXX XXXX XXXX is Persolve Legal Group, LLP my drivers License and social security card are being furnished to multiple companies without my permission and as a current victim of identity fraud which is noted in all of my credit reports this is a violation of my privacy and civil rights.
Product: Debt collection

Delete this collection account from my credit report because the original creditor XXXX XXXX XXXX XXXX XXXX sold my account to a collection agency without my proper notification and it's clearly violating my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am utterly confused for what is happening. I've submitted this complaint 3 times & CFPB & EXPERIAN are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, This is so disgusting! The account listed below was opened due to identity theft. I've provided you ( CFPB ) & EXPERIAN with an affidavit & FTC fraudulent report to support my position. It seems EXPERIAN is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like this account blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the account removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Information for a job background check went back 24 years and shouldve exceeded 7-10,
Product: Credit card or prepaid card

This bank is horrible after approving me for my gas card I just received it yesterday the Exxon Mobil card I cant use it or they wont let me increase my credit limit its not fair transfer me to so many different departments and after Im verified by their fraud team they tranfer me to customer service and they still refuse to let me increase my limit and put a hold against me using my card how is this fair after verifying me and telling me to keep my account safe they even told me if I wanted to place a password and I said yes and customer service refuses to help me or to see this such a frustrating experience
Product: Credit card or prepaid card

Merchant email has confirmed that a return has been received under authorization number XXXX dated XX/XX/2020. The amount that is supposed to be credited to the XXXX XXXX XXXX card is {$73.00}. Now, four days later the charge has not been credited to my account. Never dealing with any retailer, have I had to wait more than two days after return confirmation for a credit to post. Since, the retailer delays sending the credit to the bank, they should wait informing the customer that the return has been received, until they actually decide to release the return information to the bank.
Product: Debt collection

I contacted United Revenue due to a collection acount on my credit file. I called the hospital and several pertinent pieces of information was not accurate. I then sent United Revenue an Identity Theft Affadavit. This information contained my accurate information as you have to disclose it on the forms. After i mailed the forms i called United Revenue to discuss and the information such as date of birth and spelling of name on the hospital intake forms were different than the correct dates and spelling. Once United Revenue received my affadavit they changed their records to match my affadavit and after calling to confirm receipt they are now giving me the correct spellin correct date of birth and claiming they have verified the information and i owe this debt. I asked to speak to Supervisors and was told no one was available. when i asked them to verify the methods used to verify the debt i was taighnted about my inabilities to pay. I repeated time and time again that this is not my debt and this needs to be removeed for no other reason then this informmation was inaccurate and i never visited the hospital or doctore and never had any of the XXXX for the body part indicated. No company should be able to use the information on the affadavit to then change their records to match
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at 1.XXXX  {$15000.00} an auto loan account opened at 2.XXXX XXXX {$13000.00}, and a collection account opened at 3. XXXX XXXX XXXX on XX/XX/year> with a balance of {$710.00} that appears related to the aforementioned Fraudulent accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE THESE FRAUDULENT HARD INQIRIES : XXXX 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 submitted several disputes related to erroneous items on my credit report. I contacted both credit reporting agencies XXXX Transunion, XXXX, and XXXX ) in addition to the creditors as seen on the letters. I am requesting the assistance of the Consumer Financial Protection Bureau. The required timeframe for investigation is between 30 to 45 day. The credit reporting agencies have exceeded the timeframe by law and these items need to be removed from my credit report immediately as it is a hinderance in applying for new credit, housing, etc. In addition to my complaint, I have been a victim of fraud. I am attaching a copy of a police report. I am requesting that these items be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   client  XXXX   XXXX   XXXX  is a victim of identity theft. Her information was used without her consent to attempt to establish several credit accounts with various creditors. Attempts were made to dispute the fraudulent inquiries made into her credit as outlined under the FCRA however  XXXX  (  XXXX  ) of these creditor banks have failed to remove the inquiries from her credit reports  (  which is a violation of the law ).  XXXX    XXXX   XXXX   , CitiBank NA a nd  XXXX   XXXX  have each been notified of this fraudulent data and is some cases the bank was notified in writing twice. Each time was done certified mail with return receipt. The most recent credit reports obtained  XXXX / XXXX / 2017  those inquiries are still being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has been using my personal information to open accounts without my knowledge.
Product: Debt collection

received notice from collection agency with no information of original account or product. Called them, put on hold then sent to message center but their mail box was full and was disconnected. Amount is only {$5.00} so seems like fraud -- too small amount to worry about so pay it may be desired response.?
Product: Credit reporting or other personal consumer reports

these debt collectors engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. more so they didn't follow the proper 5 step validation procedure which makes this unfair practices. according to the FDCPA i'm entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX THIS IS A ACCOUNT THAT DOES NOT BELONG TO ME. 

I HAVE FILED A THEFT REPORT AND SENT TO THE CREDIT REPORTING AGENCIES.. 

XXXX AND EXPERIAN NEED TO REMOVE THIS FROM MY FILE. 
IT HAS A XXXX BALANCE. I HAVE NO IDEA WHO THIS ACCOUNT BELONGS TO AND ITS STOPING ME FROM GETTING A NEEDED MEDICAL PROCEDURE. I WILL MOVE FORWARD WITH LITIGATION IF THIS IS NOT REMOVED.
Product: Credit reporting or other personal consumer reports

Experian failed to fulfill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate and unverified accounts unresolved on my consumer report. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed inaccuracies despite the evidence I provided. This is causing harm to my credit report. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian violates federal law and my rights as a consumer. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus, XXXX, XXXX, and Experian have misreported information on my credit reports that should be removed immediately. XXXX XXXX I submitted dispute documents, drivers license, and social security card to all three bureaus to have information deleted or removed ( see attached files, also notarized ).
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 at XXXX XXXX at XXXX XXXX XXXX I attempted a withdrawal at an ATM ( XXXX ) for {$350.00}. It asked me whether I wanted it in XXXX  or XXXX  dollar bills. I requested for 50 's however when the machine dispensed the money it gave me XXXX  XXXX dollar bills as if they were XXXX dollar bills giving me {$140.00} dollars instead of the {$350.00}. 

Immediately after on XX/XX/2021 at XXXX XXXX at XXXX XXXX XXXX I attempted to retry and withdraw again since I really needed the money. This time I attempted to withdraw {$400.00} but with the intent of requesting XXXX dollar bills however when I clicked on the amount I wanted to withdraw it DID NOT allow me to choose how I wanted to receive the requested amount ( If I wanted XXXX or XXXX dollar bills ). It gave me XXXX  XXXX dollar bills for a total of {$160.00} instead of the {$400.00}. In total I received {$300.00} but was short {$450.00} from my account. 

I called Wells Fargo immediately at XXXX XXXX to see what could be done because nothing like this has ever happened to me. Since it was XXXX customer service told me the only thing they could do was file a claim and wait 5-10 business days. On XX/XX/2021 I received an email notifying me that my claim had been settled. When I called they told me that they found no error and that my claim was denied. I requested to appeal the claim but I was denied that as well. 

I called customer service and their claims department numerous times, six to be exact. Each time telling me there was nothing they could do. They were able to get a supervisor to talk to me and all they could do was file a complaint about customer service. Eventually they told me that another supervisor from the claims department would call me and see what they could do in the next 24 to 48 hours. I waited and I have yet to get any call from them since. 

I asked for an appointment with Wells Fargo on XX/XX/2021 on Sunday XX/XX/XXXX since it was was the earliest available date. On XX/XX/XXXX at XXXX XXXX XXXX XXXX a personal banker at XXXX and XXXX  tried to help me and see what actions I could take to resolve this matter. When he called they told him that they only checked the cameras to see if I was the one who authorized the transaction and sent someone to count the ATM to see if it was short. Since I was the one who authorized the transaction and they said the ATM was not short they concluded that there was no error. 

My issue with this however is that while I did authorize the transaction that is not what I am disputing here. I counted the money in front of the ATM both times and the camera will very clearly show not only me counting the money but also show that they were in fact XXXX dollar bills instead of XXXX dollar bills. Also since I received less than the requested amount the ATM would be over not short.
Product: Mortgage

Hello, You didn't have other options so I did my best to get to this area. My Husband and I are divorced. We are both Veterans. I got the house in my name only .As far as I know I am happy with my VA Mortgage.I had my Divorce laywer with me to get this house and review every inch of the paperwork and signing. so I do not think or know if my Mortgage company is hurting me. But I do not think so. Contacting the VA and the Lender and the USPS is going around in circles.. Although most of his mail in his name is at his new home address. This evil mortgage companies started mailing sleazy offers to him with my home address. I know they try to Lure foolish Veterans astrey .. The zipcode on the envelope is XXXX sent from XXXX California. Yet it came from Pacific Union Financial LLC d/b/a LoanitXXXX XXXX XXXX, XXXX, XXXX, TX XXXX XXXX NMLS ID # XXXX toll free # XXXX XXXX XXXX reference # XXXX. and should I just write refused on the envelope and send it back to them by USPS? Or forward it to my Ex husband new address? .Can you help.
Product: Money transfers

I transferred XXXX USD through JPM CHASE on XXXX XXXX to my personal savings account but the money isnt transferred and the status of the wire shows Successful.I am sending money through JPM CHASE for the last 3 years and never had any problem ... this is the first time i am facing this problem.
Product: Checking or savings account

I've try to open checking account with Bank of America past month and I found out someone stolen my identity and opened two Bank of America checking account so I can't open account on my own because of that so I've spoke with fraud department and open two fraud claim for it. First claim number it's Case number XXXX for account ending in XXXX and second claim number its XXXX for account ending in XXXX and two weeks ago Bank of America customer service told me they've finished investigation and saying Weve completed our research on your claim listed above and determined you arent the person responsible for opening the account. but I'm still unable to XXXXpen Bank of America checking account on my own afterward. Ive try to open one online but they closed it right after I opened it and I went into a branch with my social security card and two form of id and they still wouldn't let me opened it and it popped an error saying " fraud '' when banker tried to open one for me.
Product: Credit reporting

I have attempted numerous times to have the below items removed from my report regarding identity theft. The bureau keeps responding with stall tactics after I have sent my ID , Proof of address  and police report.
Product: Debt collection

On XX/XX/2023 Midland Credit Management reported a collection account to XXXX, XXXX and XXXX Credit Bureaus stating that I owe them {$970.00} I sent them a cease & desist by certified requesting that all reporting be ceased immediately, unless they can provide me with ( proof ) of an agreement between them and myself with my signature ( wet ink ). ( Violation- 15 U.S. Code 1692g ) They have not, I did receive my verification that the mail was signed for ( received ) they have yet to cease reporting this collection account and it is causing me hardship and is a violation of my consumer rights according to U.C.C. 1-308.4 So again I ask for a cease and desist of all collection activity and removal of adverse information on my consumer report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax on multiple occasions and notified them that the bankruptcy that they are reporting is not mine ( it has been deleted by XXXX already ) and they continue to report it which is an FCRA violation and is damaging my credit report. I demand that they remove it immediately before I sue.
Product: Debt collection

A Courier service called stating that legal action was placed against me and that if I needed more info to call a certain number XXXX. I was also provided case # XXXX. When I called the number a person answered the phone by the name of XXXX XXXX and stated that I had an unpaid debt from Wachovia 8 years ago and it would need to be paid before signing legal paperwork that was to be sent to me. If signed then I would need to go through the court system. I informed the caller that I would call back regarding the debt and he provided his personal number at XXXX. After checking my bank information as well as knowing that Wachovia was sold in XXXX. I realized I had been with another bank since XXXX.
Product: Checking or savings account

I opened a checking account on XX/XX/2022 I provided everything they asked for and my account been working up until XXXX out of no where my account online was locked I couldn't login and I called to see what's going on and they won't speak to me can't tell me what is going on until I go in a local branch which is XXXX miles away not to mention XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX because of my age and so i am on high alert XXXX XXXX which means I can't even get up to use the rest room XXXX XXXX XXXX XXXX. I would like a simple answer as to what is going on with my account and why I'm unable to use or log in to my account.
Product: Bank account or service

I responded to a Citibank promotion that offered {$400.00} for opening a new checking account. I completed the requirements and should have received the bonus by XX/XX/2016. I have contacted Citibank numerous times but am told each time that this is being investigated. A google search finds numerous others with the same complaint against Citibank.
Product: Debt collection

Portfolio Recovery Associates is sharing my nonpublic personal information with non affiliated XXXX XXXX XXXX, XXXX XXXX XXXX. Portfolio Recovery Associates does not have my consent to have and share my private personal information. They are XXXX  my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. They are in XXXX  of XXXX  federal laws.
Product: Checking or savings account

I am reaching out because I made a transfer of {$810.00} from my XXXX of my accounts which was approved, and a few days later, my account went negative due to the same amount being deducted again. It doesnt make sense that the transfer was initially processed successfully but later determined there were supposedly insufficient funds. I have contacted customer support multiple times, but the representatives have not been able to provide any helpful assistance. Its just XXXX  how its been almost a week and no courtesy call was given or a simple notification to alert me about any so-called insufficient funds. I think its common sense if I knew I didn't have the funds, I would have never proceeded using my debit card or even making the transfer to begin with. May I also say, i initially made the transfer on XX/XX/XXXX and the amount supposedly was not posted until the XXXX and XXXX hours later, rejected. I have been using my debit card and racking up charges and for Chase to automatically deciding to reverse the amount with a proper heads up and keep me blindsided.
Product: Student loan

Wells Fargo has made negative credit entries against me, but will not give me access to the account. The account in question is my son 's student loan, of which I am a cosigner. I have repeatedly asked over the last several years for electronic access to the account. Their answer is that it is not something they offer now, but will in the future. 
When they have contacted me stating the account is delinquent, I contact my son and he says that it is current. Without access to the account, I have no idea who is telling the truth. Given Wells Fargo 's track record of scamming its customers, I tend to believe my son. 
These are the people that I have dealt with recently : XXXX., Research / Remediation Rep, Executive Office, Customer Experience Team XXXX, Research and Remediation Analyst, Executive Office, Customer Experience Team, XXXX at wellsfargo.com XXXX Research and Remediation Representative, Executive Office, Customer Experience Team