23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2021, I was issued 2 child support payments. One for {$42.00} and one for {$100.00}. On XX/XX/2021 at XXXX XXXX I called the toll-free number on the back of my card to verify my balance. At that time my balance was {$160.00}. On XX/XX/2021, I attempted to log into my online account and got the notification that my account was closed due to fraud. At XXXX XXXX, I made an effort to call the toll-free number on the back of the card and was told to stay on the line for an important message regarding my account. During my first attempt to contact them I was on hold for 53 minutes before being disconnected. I tried to call them back a second time and finally spoke to somebody who knew absolutely nothing and told me she would transfer me to the fraud department. After sitting on hold an additional 47 minutes, I hung up. I then called back a third time and did not follow any of the prompts and just waited for a customer service representative to answer. Again, I was told I would be transferred to the fraud department. I asked the customer service representative for a direct line to the fraud department and she told me that number did not exist. I waited on hold for approximately 45 minutes before hanging up. After doing some research online I found the direct line to the fraud department and called that number. However, to my dismay, once again after sitting on hold, my call disconnected before speaking to anyone. Now, I have a card, that to my knowledge, has {$160.00} on it that I do not have access to. They will not even let me report it stolen or request a new card without speaking to somebody and I have been unsuccessful in reaching anybody that can help me at this company. I am unable to access my account online or via phone to find out any information, including recent transactions our current balance. They canceled my card without even contacting me and now I am completely in the dark about whats going on. Hi
Product: Mortgage

I am including a description of the problem and my desire is for fairness. I know that this agency can not enter a judgement but I do want to help myself and others to stop this garbage from hurting people and their families.
Product: Credit reporting

Someone opened up a credit card on my account that I did not approve of.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

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

This is my 10th CFPB complaint submitted informing the Credit Reporting Agencies that I am a victim of identity theft and I am submitting this CFPB complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information that some Credit Bureau 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. under the FCRA section 605b, I am requesting that the Credit Bureaus remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX  ( Original Creditor : SXXXX XXXX XXXX  ) XXXX Balance : {$350.00} XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022. Also, the Credit Bureaus have claimed that the disputed items are verified and that the Creditors have verified the authenticity and yet they have failed to send me copies of verification.
Product: Mortgage

In XXXX and XXXX, I received several fraudulent documents from Select Portfolio Servicing that had been copied and pasted. My signature had been copied and pasted to fraudulent documents. Documents that involve deception and criminal deception. As well as a bogus call list claiming they called me, and I can prove is a lie. I can obtain a hard copy of all the calls I received. Moreover, they have no reason to call, I have never sent a late payment. In XXXX, XXXX I received mail from Select Portfolio Servicing, claiming to have spoken with me. Select Portfolio Servicing has never called and spoke with me. I have called Select Portfolio Servicing numerous times to request that my Mortgage payments are posted on time, and that my Mortgage Statements and my Annual Mortgage Statement are sent out in a timely manner Select Portfolio Servicing is a corrupt company. There are XXXX of complaints against Select Portfolio Servicing, people with the same issues and concerns. This is no coincidence. Today is XX/XX/XXXX and my payment, has not been posted.
Product: Checking or savings account

on thursday morning of XX/XX/year>, my direct deposit did not arrive into my account as it was supposed to which is at XXXX. i contacted customer service, and a representative had answered the phone in an annoyed tone. i asked him that what was going on with the system because i have not yet received my paycheck. HE SAID THERE WAS NOTHING GOING ON. he also asked me what was the last time that i had gotten paid and i said two weeks ago on friday morning because of new years. he repeatedly lied to me and said that there was not any issue occurring although now it is all over the news that there has been a glitch in the system that has impacted me receiving my funds. i was so upset of how useless the representative was that i hung up. also i was charged a late fee of {$50.00} for my credit card payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ). These creditors have reported inaccurate information related to my credit history, which has significantly affected my financial well-being and credit score. I request that the Consumer Financial Protection Bureau ( CFPB ) enforces legal action against them. 

Firstly, XXXXXXXX XXXX XXXX and US SM BUS ADMIN ODA have both performed unauthorized inquiries that are beyond the statute of limitations. This is a clear violation of the FCRA. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX have all reported inaccurate information related to late payments, which affects my credit score. This has caused significant financial hardship for me, as it has impacted my ability to obtain loans or credit. 

Furthermore, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXXXXXX XXXX have all reported frivolous accounts that I have no association with. This is a serious violation of the FCRA and has caused me great emotional distress, as I have had to deal with the repercussions of these false reports. 

As a result of these violations, I have been denied credit, had higher interest rates imposed on me, and have experienced difficulties in obtaining insurance and housing. This has had a significant impact on my life, causing me undue stress and hardship. 

Therefore, I request that the creditors in question remove these unverified collection accounts from my credit report immediately. I also ask that the CFPB takes appropriate action to enforce the FCRA and protect consumers from such unlawful practices in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have attempted to verify my identity several times with Coinbase and the system has repeatedly rejected my identity verification. The verification requires that a person submit a scan or pictures of the front and back of a photo ID and a webcam photo of themselves in real time. I have submitted approximately 10 verification photos and ID uploads from XX/XX/XXXX thru XXXX XX/XX/XXXXI have submitted multiple help tickets with coinbase trying to resolve the issue and all of my attempts have resulted in no solution. Coinbase has made no attempt to assist with a resolution to the problems with my account and has refused to accept my ID verifications and has provided no alternative method for me to access my account, buy or sell my digital currency. In essence, coinbase is holding my money and personal data hostage and committing consumer fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize nor benefit from the alleged accounts and inquiries. Please remove immediately. Accounts : XXXX XXXX
Product: Money transfer, virtual currency, or money service

I ordered two diecast cars that were featured on XXXX which you pay for through PayPal. The company posed as a US based company, but was actually from XXXX. When the cars arrived they were nothing like the add. They were for all practical purposes junk and not worth half of what the advertisement showed. 
I complained to PayPal and they gave me a bunch of steps to follow and told me to send the merchandise back to the seller. I asked them how would I get my money back? I don't speak or understand XXXX. It took some five days for them to send me the information in English. So I sent the merchandise back to the seller. Never heard anything from them and I kept contacting PayPal asking them for information about my refund. They never said anything about honoring their guarantee, so I reminded them. They didn't respond to that statement at all. Just blew me off and started making everything my fault. I did as they asked. They made up some time frame that they said I didn't follow so they closed my case. I responded that I did everything that you asked and then some, but they still tried to put it on me by saying that I took to long to send it. First you said nothing of a time frame and second as soon as you gave me the information in English so that I could fill out the customs forms I mailed the package back to the seller. I submitted that information four times. They kept saying that they didn't get it. When they finally did, they paid me for part of the return shipping to XXXX.

So if they acknowledged that the item was shipped now where is my refund? Now they put everything on me to make it all my fault as to why the case was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Dispute of Unauthorized Hard Inquiries on [ XXXX XXXX XXXX ] 's Credit Report. 
To Whom It May Concern, I am writing to dispute unauthorized hard inquiries that are present on my credit report. As a responsible consumer, I understand the importance of accurate credit reporting, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 
The unauthorized hard inquiries I am disputing are as follows : [ XXXX XXXX XXXXXXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] and [ XX/XX/XXXX ] [ XXXX XXXXXXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] and [ XX/XX/XXXX ] and [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] and [ XX/XX/XXXX ] [ XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX ] - Inquiry Date : [ XX/XX/XXXX ] Please note that I did not authorize or initiate these inquiries, nor did I provide written or oral consent for these parties to access my credit report. According to Section 604 ( a ) ( 3 ) of the FCRA, a credit reporting agency may furnish a consumer 's report only under limited circumstances, such as when a consumer has given written or oral permission or when the transaction is initiated by the consumer. In this case, neither of these conditions has been met.

As required by the FCRA, I kindly request that you conduct a prompt and thorough investigation into these unauthorized hard inquiries and remove them from my credit report. Under Section 611 of the FCRA, you must complete this investigation within 30 days of receiving my dispute letter.

Please send me written confirmation that you have received this dispute and an updated copy of my credit report reflecting the removal of these unauthorized inquiries. If you determine that these inquiries were indeed authorized, please provide proof of my consent in writing.
Product: Checking or savings account

i have a checking account with hancock whitney bank which i have over draft protection 0ver the weekend of XXXX XXXX and XXXX i used my debit card which when you shop and use debit the money comes out account automatic.i used debit for each purchase. when the XXXX came they ran a check i had wrote however instead of the debit through for the three small debits which should have came out automatic they ran check first so that they can charge three different times instead of the one time for the check. this is not the first time they have don this
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX  To : XXXX XXXX XXXX XXXX : Request for Removal of Unveriable Account Dear XXXX XXXX Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, XXXX, or XXXX ]. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-o for {$320.00} from XXXX XXXX Banks, listed on my XXXX report, and following a thorough investigation, XXXX has XXXX removed this unveriable debt from my report as of XXXX 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit le. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 
Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including XXXX a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A loan was taken out in my name in 2018 with XXXX  XXXX  in California. I have never lived or visited California it is a fraudulent account.
Product: Debt collection

I am reaching out to address an urgent matter within your department that requires prompt resolution. My records indicate that your agency has placed the account associated with XXXX XXXX XXXX into Collection. I am seeking clarification on the validity of this debt and kindly request that you comply with the necessary requirements outlined on my letter.
Product: Debt collection

There is an account on my credit report with Hunter Warfield that I am not familiar with. I reached out to them and sent a letter requesting validation of debt and I only received an itemized statement. Here is the tracking XXXX XXXX XXXX XXXX XXXX. A statement is not validation of debt. They did not send a contract with any signatures or valid proof that this account is mine and belongs to me. Please remove this account from my reports.
Product: Mortgage

Originally applied for a HELOC XX/XX/scrub>XX/XX/2024 with a confirmation of closure within 3 weeks. 2 days prior to receiving a closing disclosure, I was told that I had been given incorrect loan data, a change in my rate and told they needed additional documentation after 2 weeks of silence. In addition, I reached out to my loan officer and manger multiple times and was given 2 different bits of information. I was told that I could close at home and a notary would come, only to find out that was incorrect and needed to close at a title office. Once it was all squared away, went to close on a Friday evening only to hear back on Monday evening that all the paperwork that I signed was incorrect and I needed to re-close. Therefore pushing my funding date back another 3 days. I was alerted at close of business so I was unable to try and make plans to close first thing the next morning. I had already scheduled payments with the funding I was supposed to receive Wednesday and called the lenders corporate office to get them to make this right, only to be left with an answering service. I left several messages and never received a call back. My account will now go negative to the sum of XXXX all due to the lending/title company error. Cross Country mortgage is refusing to make this right.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I cash app XXXX XXXX the amount of {$220.00} by error so XXXX XXXX never accepted my cash app. I requested a refund from cash app since XXXX XXXX never accepted my cash app and Cash app told me my refund is declined. It appears that XXXX XXXX cash app was compromised causing her to owe Cash app. This has nothing to do me and I am requested a full refund of {$220.00}. It appears that Cash app is trying to collect my funds for a debt that I do not owe. I use this app all the time and I am very disappointed and will stop using this service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my account which I never requested for any loan or credit inquiry or applied for anything. The hard inquiry is with XXXX XXXX XXXX which i do not know what it is for. Also i see that I have a pending auto loan approval which I never applied for also. I was in contact with XXXX and they couldn't help me with my issue. 
The hard inquiry is for XX/XX/2022. 


Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Balance Owed : {$670.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX XXXX  Bankruptcy XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I have not received proper investigation protocol, which should have resulted in deletions of unathorized and or false information and accounts.
Product: Credit card or prepaid card

I first notified Citicards of a significant overpayment ( electronic bank payment ) on my credit card on XX/XX/XXXX. I have contacted Citicards several times to refund the excess payment ( most recently today, XX/XX/XXXX ). 

On XX/XX/XXXX, a helpful supervisor told me she would investigate the delay in the refund but would not be able to get back to me for XXXX hours and could not tell me when I might receive the refund. It has already been XXXX business days since I notified Citicards of the refund request, and still do not know when the funds will be refunded to my bank account. 

My understanding is that under Federal Trade Commission rules a credit card issuer must refund an overpayment within seven business days after they receive a customer request. 
Thank you for any assistance you can provide in this matter. I also am interested in learning whether my situation is unusual or whether this is a problem that other credit customers have had.
Product: Vehicle loan or lease

On or about XXXX, XXXX, I returned a XXXX KIA XXXX at lease end in pristine condition inside and out with XXXX miles less than the contracted miles. KIA appeared to be annoyed that I did not give them repeat, successive business. From a third party collection agency, I found out that KIA had a {$2000.00} claim which was not satisfied, never notifying me details. 
Verbal telecon info from the collection agency indicated claim items were padded and some outright lies and embellishments. This was reported to XXXX, whose response were in the form of form letters and questionaires. They did nothing, but knock down my credit score from XXXX to XXXX I contacted both KIA and XXXX. Both replied apathetically..