23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX, my card was fraudulently charged {$580.00} and was immediately notified by Citibank. I called and canceled the card and raised a dispute that this is a fraudulent charge. 

The bank closed the case and made me liable. They then took the money out of my debit card which is unacceptable. 

I have tried calling many times to dispute this decision and get the money back asap but it seems next to impossible. 

Its taken 1 month + to get this resolved.
Product: Credit reporting or other personal consumer reports

I am reaching out to address significant concerns regarding inaccuracies in my credit report. Upon reviewing it, I discovered multiple errors, including incorrect account listings, unauthorized inquiries, billing discrepancies, and accounts that do not belong to me. These inaccuracies are affecting my financial well-being, and I require your immediate assistance in resolving them.
Product: Mortgage

It makes me disgusting that how XXXX XXXX did what they did and government do n't do anything about them. 
It 's XXXX XXXX 's fault for selling my mortgage to monster SLS ( specialized loan servicing LLC ) My husband was laid off from XXXX XXXX XXXX after 10 years Them the school was closed by government and filed bankruptcy gone for ever. 
Now the stress of sudden job and income loss put my husbands health in a great danger and decline his been in and out of XXXX starting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX he was a pre XXXX XXXX his also in on going physical theropy use of his hand is not an option he still need to have XXXX on his knees and other hand and shoulders so working not an option we are waiting for his state social security XXXX benefits but that takes time!!!! 
XXXX XXXX I was put in this situation by the employer and SLS refused to work out they should be closed and shut down they are thiefs and XXXX who do n't care about anything but taking my home I asked them for mortgage forgiveness buncha other programs according to them I am not qualified I need to know how is that possible SLS is the cause of I and my husband XXXX decline they are causing and cause of our XXXX I am not moving or give them my home I need help and I found out government is filing law suites against big banks and those XXXX and XXXX XXXX who were the cause of the fall out the financial and real state 10 years ago My mortgage is part of that I need my situation to be published and government authority see what there XXXX mortgage servicer do and take people home without do anything I like to heir an attorney and sew SLS for what they doing but I am not a celebrity or a billionear who has all the money in the world so therefore I wo n't allow these monsters to take my home .that is a promis
Product: Credit reporting or other personal consumer reports

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of XXXX XXXX. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of XXXX XXXX. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address and SSN Card.
Product: Debt collection

RE : XXXX  Block Request Dear Sir or Madam, I am writing to inform you that I am a victim of XXXX XXXX. Due to my involvement in this situation, certain information appearing on my credit report is directly related to actions taken by the traffickers. This letter serves as a formal request to block and remove this information in accordance with Section 605C of the Fair Credit Reporting Act ( FCRA ). 

Below is a list of accounts and inquiries that are the result of this XXXX and should be blocked immediately. 

Accounts to be Blocked : XXXX. XXXX XXXX Request for Immediate Action : Pursuant to Section 605C of the FCRA, please block and remove this information from my credit reports within four business days. Additionally, I request written confirmation of all actions taken in response to this request. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX Enclosures : Proof of identity XXXX documentation ( from a federal, state, local, or tribal governmental entity )
Product: Debt collection

For months I have received calls from Harris & Harris ( XXXX ) XXXX ( caller ID ). XXXX XXXX, this is a debt collection agency. I spoke with this company several times asking them to remove my phone number from their database. The calls continue. My husband ( now deceased ) and I have no debt, and have never owed debt, nor have defaulted on any debt. Am at a stalemate in talking with this company. They have my phone number but I will only give them my first name. Each person calling will not give me any information regarding who they are trying to find other than to tell me my first name is NOT the first name of who they are calling. I ask them to stop calling and they hang up on me. Have tried blocking their number, but calls persist. I am not able to dispute anything since they wont furnish any information. They wont even tell me their company name or address. All that I know is that they have my phone number. I will NOT furnish them any other information about myself. They have an incorrect phone number for however they are looking for, whether furnished by the debtor, or incorrect data input by this company itself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there, I have had issues with XXXX XXXX not accurately reporting positive activity on my account. 

My score dropped XXXX for 1 late payment and when I made a payment to catch up on the payment it was immediately not shown positively on my account. I also noticed this for Esperaian too. I should have gotten points for paying down my credit cards which still shows that the cards were not paid down. And I should be given positive points added to my credit score reflecting this because I am working on building better credit so I can have fair housing. 

I also noticed that XXXX did the same thing I paid down 3 different credit cards and positive activity was only given for one card. And for XXXX no positive activity was given. Not having my positive paying reflecting on my credit does not allow me to have fair housing opportunities because of a low score when I hardly have credit and is making efforts in paying down debt to receive positive score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached XXXX Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per XXXX XXXX XXXX ( XXXX ) ( XXXX  ) ( XXXX ). Moreover, you stated the account was verified as accurate by law XXXX XXXX XXXX ( XXXX ). Per XXXX XXXX XXXX ( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute inaccurate and fraudulent information present on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ). The following account is in question : XXXX XXXX Account XXXX Total fraudulent amount : {$1200.00} Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX, XXXX XXXX  Account XXXX : XXXX Total fraudulent amount : {$1400.00} Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX, XXXX XXXX XXXX Account Number : XXXX Total fraudulent amount : {$4900.00} Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX, XXXX Account XXXX : XXXX Total fraudulent amount : {$3100.00} Date fraud began : XX/XX/XXXX, XXXX XXXX Account Number : XXXX Total fraudulent amount : {$930.00} Date fraud began : XX/XX/XXXX. 

Hard Inquiries XXXX XXXX XXXX XXXX XXXX Public Information Type of Business Personal Loan Companies - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Bank XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I have reviewed my credit report, and it has come to my attention that the information pertaining to the above-mentioned account is erroneous and has a detrimental impact on my creditworthiness. I believe that my rights under the FCRA have been violated, and I am formally requesting an investigation and correction of this matter. The account in question has been inaccurately reported as mine. I suspect that my personal information may have been compromised and used fraudulently to open this account. I have not authorized any such account, and this is a clear case of identity theft. The credit reporting agency has not sufficiently verified the accuracy of this information before including it in my credit report, which is a violation of the FCRA.
Product: Credit card or prepaid card

On XX/XX/2022, I was searching for a moving company to move me from XXXX XXXX XXXX XXXXa. After speaking to a number of companies I spoke with a man named XXXX XXXX from XXXX XXXX. He was wonderful! He quoted me a very good price and I gave him my credit card number. I should have known something was wrong because I couldnt do it on my XXXX but rather, I had to go to the library to use a computer. That night, when I had some time to think, I XXXX the name of the company XXXX XXXX XXXX XXXX on the email. XXXX XXXX name was all over the reviews. The word scam appeared a number of times. XXXX, I thought XXXX was my friend and had given me his cell number. I texted him. He never responded. I called capital one immediately and reported that I had been scammed and cancelled my credit card before they took the money. I was told the transaction was pending and that I would be OK and not to worry. All of this happened within XXXX hours. I was told that they credited my account the {$1600.00} and I was much relieved. I was told I needed to report fraud initially and then, I was told I needed to file a dispute. 
Dealing with capital one was a nightmare. I spoke to one XXXX  person after another in the dispute department. I spoke with a XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX other people whose names I did not write down. I was told I couldnt go past them when I asked to speak to a supervisor because I was told I had to use their secure site which was a complete joke. After hours of frustration I finally met a man who allowed me to fax what documents I had to prove that this company had taken my money with my capital one card. 
On XX/XX/XXXX I received a letter stating that my dispute was denied because I hadnt responded to their requests which was XXXX XXXX XXXX  I have done everything that they told me to do and wasted hours of time and energy to say nothing of lost sleep over this matter. 
Please help me. I believe capital one is as fraudulent as the moving company who scammed me. This can not be happening in XXXX. I am XXXX XXXX XXXXXXXX, a XXXX   and on XXXX XXXX. I have no one to help me but you. Please help me.
Product: Payday loan, title loan, or personal loan

Ive had 31 accounts with Affirm with an excellent pay history. Ive had 2 related XXXX  bouts then XXXX  Can Dr so requested help from Affirm but theyve made it very hard..Initially, my issues to get assistance with payments so the supervisors sent the form. The supervisors knew my completion of the financial hardship form. I tried numerous times to complete the form and it continues to loop back to completing for over a period of 2 hours. Finally, I got frustrated like Affirm wanted me to, I stopped trying. I made my payment to where they werent 30 days late but not on the exact due date. Affirm actually wanted me to be 30 days to demand the full amount of purchase. Affirm is very conniving company even with a customer and review the customer payment history, they want them to fail. What is wrong with this picture? All current customers and new customers, coNtact your Cunsumer Financial Protection Bureau because this happening too much from the complaints Ive reviewed. In effort to make my payments there was a payment on XX/XX/XXXX and XX/XX/XXXX but made 2 duplicate payments. I realize I made 2 duplicate payments, I called Affirm to get retract the duplicate payments that had been processed through my account. Although my financial institution shows payment posted and over drawn the account, they told it wouldnt show processed for XXXX - 5 days then they would retract the duplicate payments. I called my financial institution which told me to contact Affirm again. Due to all the inaccurate information given from their outsourced representatives, I called and tried to call my financial institution with them on the phone and XXXX hung up. Therefore I had to call back with my financial institution on the where XXXX told them it would be retract once the payments completely processed. I received N email from Affirm stating if I leave the payments it would take care of everything so I tried to responded to the email but would not go through on purpose. They delaying retracting the payment after the actual due date to find the grey area to justify keeping both payments. Since my experience with all the inaccurate information I called back. I spoke a very condescending representative that told if I would read the email it says if they cant retract the payment.if I wasnt paying attention to the language in their email and call back, it would be their justification to not retract it. Due my financial institution listening it would be different. It would be their justification not to retract the payment. Since Affirm is questionable actions, my financial institution provided provisional refund because it overdrawn the account. They are waiting to receive the refund/retraction of {$160.00} in 3-5 days quoted to us to reconcile the account. I really feel they will try several tactics and do not care how it affects me.
Product: Credit reporting or other personal consumer reports

According to my consumer report I received dated XXXX XXXX. I was applying for a house. I noticed various areas in the way you are furnishing my Information. If you haven't been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment as late on any credit plan for any reason at all. if you need direct citation, please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter, 15 USC 1681 ( B ) where it states that a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you CITIBANK are the 3 credits agencies. such authority. You apparent and constant neglect to properly carry out your job costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted CITIBANK, and the corresponding information is not listed on my consumer report. These accounts should PROMPTLY Be updated as ON TIME.
Product: Debt collection

Complete Credit Solutions is reporting a debt for XXXX XXXX XXXX inaccurately. This debt stems from a furniture rental and XXXX refused to come collect the furniture at the termination of the term. When I followed up to ask why they didn't come to collect the furniture I was told " the account manager was no longer working for XXXX ''. I again gave them the location of the furniture and followed up numerous times. XXXX XXXX XXXX never collected the furniture despite my efforts and fullfilling the agreement. I am requesting the immediate removal of the XXXX XXXX XXXX chargeoff and the Complete Credit Solutions Collection from XXXX, XXXX, and XXXX.
Product: Prepaid card

I was a victim of fraud and I dispute the charge as cashapp advised me to do. I asked if they can be in one claim as it was a clear XXXX glitch or bug were I was charged XXXX times on XX/XX/23. I contacted XXXX they have no record of the charge. Cashapp has closed my acct for filing the dispute they told me to do. In addition they havent refunded all the charges and wont tell me what policy or security I breached.
Product: Debt collection

i have tried a number of times to request for debt validation and I have yet to see something that validates this is my debt
Product: Credit reporting or other personal consumer reports

I am writing to urgently request the removal of incorrect and misleading accounts on my credit report. These inaccuracies are not just clerical errors ; they represent significant obstacles to my financial plans and personal reputation.
Product: Credit reporting

Currently, my XXXX credit card is no longer reporting on my Equifax credit report. I have been an authorized user for this credit card since XXXX. XXXX has confirmed ( see attached ) that it is currently reporting the data from the account holder as well as my information to all XXXX credit bureaus. Attached is a letter from XXXX confirming this information along with a current statement. In addition, I 've also included an Equifax credit report dated XXXX displaying the account previously reporting.
Product: Credit reporting or other personal consumer reports

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reason : I don't recognize this account Dispute Under Section 611 of the Fair Credit Reporting Act 15 U.S.C 1681i Different opening dates on each account ( s )
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to file a complaint against XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, New York XXXX. The reporting on what was once a combined commercial/residential wrap around mortgage is now just attached to my personal residence after I sold off the commercial property attached to the collateralized loan. Shortly after I sold the commercial portion, I was hit with an acceleration of my mortgage after XXXX XXXX acquired the mortgage from a bank merger. This was extremely unfair at the time due to the personal hardship I was going through with the passing of my wife, who was also an XXXX and a partner in my XXXX XXXX. Then XXXX XXXX started what was proven to be an illegal foreclosure action. Since the commercial aspects of the mortgage was eliminated with the sale of the larger portioned commercial percentage, my rights under the Fair Debt Collection Practices was protected under the XX/XX/2018 addendum of that federal law, My rights were violated by XXXX XXXX as I should have been given the initial right to modify the terms of the loan and take out the balloon payment, normally associated with large scale commercial transactions. After the foreclosure was filed I filed a counterclaim. XXXX XXXX XXXX was trying to ingratiate themselves foreclosing on a {$400000.00} home with only a {$140000.00} balance. I discovered that my rights were being violated under federal guidelines with both the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Eventually, XXXX XXXX XXXX realized their mistake and gave me a restructured mortgage with all past payments, interest, penalties and legal fees waived, and gave to me a six-year mortgage completely interest free as long as I dropped my lawsuit against them with the Supreme Court state of New York. In essence, the current reporting is a complete falsehood, as it was XXXX XXXX XXXX that brought about the illegal foreclosure action. I should have a new payment history starting from the month of the restructured mortgage. This abusive reporting on all credit bureaus is a direct violation XXXX XXXX XXXX has with their subscriber agreement with all three national credit bureaus. The negative reporting must be deleted and only the payment history that started with the interest free mortgage should be posted. Accordingly, XXXX XXXX XXXX has only one option, to rectify this immediately and live up to their subscriber agreement with all three credit bureaus.
Product: Checking or savings account

On XX/XX/XXXX, the IRS deposited {$5600.00} to our account for the XXXX Stimulus payment. We did not receive any money in that account and American Express has stated that the money was never deposited. We submitted a form around XX/XX/XXXX for the IRS to do a trace on the money and the IRS shows that the money was deposited into our account. The IRS has reached out to American Express on serval occasions with no response, we have also reached out to American Express and were told that there was no money deposited into our account.
Product: Credit reporting or other personal consumer reports

I found hard inquiries on my report that I didnt authorize. They breach 15 USC 16c-2, so please delete them.
Product: Money transfer, virtual currency, or money service

Hello there, paypal closed my account and didn't give me the reason. Exept that I allegaly broke their rules. The only thing I'm selling is XXXX  for XXXX  I've read through their User agreement and it doesn't say that I can't sell that anywhere. My reaputation is also very good with 21 total feedbacks which 19 were positive. I assume this needs to be a mistake on paypals end. I sent them a mail regarding this but I've still not recived a response from them 2 days later. XXXX Mail sent XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

I have obtained and looked over a copy of my credit report for review and I noticed that there are some fraud accounts listed on my report. I have attempted to resolve this matter with the credit bureau to rectify this affair but they have been, dismissive and negligent in regards to complying with my request for correction. The disputed information is not related to any transaction made by me. These accounts and inquiries listed do not belong to me and are invalid. The disputed information does not relate to any transaction made by me. A copy of my drivers license, social security card, and FTC report. I have not had a good experience trying to resolve these issues. In the dispute I have highlighted key areas of importance in the colors red and blue. I wrote clear statement outlining the problem, accounts, what the violation is, how it was violated, what was not done to protect me, and references to support my standpoints with validity. I have requested my full information on file. The credit reporting agency has yet to send me the disclosures requested according to 15 USC 1681g : Disclosures to consumers ( a ) Information on file ; sources ; report recipients