23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I received a " pre-qualified '' offer of credit for {$4900.00} with no prepayment penalty and a set monthly payment. Once I applied, I was " Approved '', and then sent on an unending request for documents. I kept submitting documents over and over. I provided everything that was requested within hours- eventhough the offer promised " Get your money as soon as tomorrow ''. 

On Fri, XX/XX/XXXX, XXXX XXXX I received and email stating : The following additional information is required to complete the review of your loan application : 1 ) Bank statements for the past month, [ XXXX ], showing all transactions for 30 days. Please make sure your name, address, and the account number submitted on your application are visible on your bank statement and the entire document is legible. 


2 ) Voided Check. Please make sure your name, address, and the account number submitted on your application are visible on your check and the entire document is legible. 

I submitted the documents, noting that XXXX bank statements were not available until the end of the month, but submitted an account summary for all transactions so far in XXXX, and on Sat, XX/XX/XXXX, XXXX XXXX I received and email stating : This email confirms that you have successfully uploaded your documents. We will send you an email with our decision, usually within 2-3 business days. Please be advised that we will also email you should additional documents be required. 
Thank you for choosing XXXX. 
Please Note : This email is an automated notification that can not accept replies. Please do not reply to this message. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX To my surprise, on Sun, XX/XX/XXXX, XXXX XXXX  I received an email stating that my application had expired : Our records indicate that you recently started an application for a loan with XXXX  XXXX. More information was requested from you to make a decision on your application. Unfortunately, we did not receive these documents and your application has expired. Regrettably, we are unable to give further consideration to this credit request. 

We welcome you to submit a new application at XXXX XXXX XXXX We're happy to assist you with any questions. Reply to this message or email us directly at XXXX. If you'd like to speak with one of our friendly customer service agents, give us a call at ( XXXX ) XXXX. 
Thanks again for choosing XXXX XXXX, where borrowing is understandable, fair and affordable. We look forward to serving you! 
Sincerely, XXXX XXXX They clearly did not intend to consumate the loan, and are therefore guilty of false and misleading advertising. According to federal law, those creditors that send a mail piece that amounts to an advertisement or solicitation that is not backed by an intent to extend credit to all who receive it on the terms specified in the offer will potentially be liable for statutory damages lawsuits against creditors accused of sending credit solicitations that are not firm offers of credit as defined by the Fair Credit Reporting Act.
Product: Checking or savings account

Received correspondence from Wells Fargo XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX SD XXXX. The correspondence was addressed to XXXX XXXX XXXX with a mailing address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX. XXXX XXXX XXXX does not live at this address and has never lived at the address. He has never used this address as his mailing address. Contacted Wells Fargo customer service department on XX/XX/XXXX18 at XXXX XXXX and talked to XXXX XXXX. XXXX XXXX ask me what correspondence was in the envelope and I told him the envelops was not addressed to me and it would be a federal offense if I opened it. He than asked if I could see the correspondence through the envelope. Please review the tape recording of our conversation for details. I again informed XXXX XXXX that is was a Federal offense to open mail that was not address to me and that I was noting going to prison for an error Wells Fargo made. I than had a telephone conversation with XXXX XXXX and explained that I had received correspondence from Wells Fargo at my residence. PLEASE CALL ME ASAP AND SEND A LETTER TO XXXX XXXX AND TO MYSELF AND EXPLAIN WHY XXXX XXXX XXXX INFORMATION WAS SENT TO MY ADDRESS. XXXX XXXX DOES NOT LIVE AND HAS NEVER LIVED IN THE STATE OF ARIZONA. INFORM ME, STEP BY STEP HOW THIS HAPPENED AND WHAT YOU ARE PUTTING IN PLACE TO MAKE SURE THIS DOES NOT HAPPEN AGAIN. THIS IS NOT THE FIRST ERROR WELLS FARGO HAS MADE CONCERNING MY ACCOUNTS. AT ONE POINT WELLS FARGO REMOVED {$3000.00} FROM ONE OF MY ACCOUNTS WHICH I HAVE NOW CLOSED DUE TO THE ERROR AND PUT THE {$3000.00} IN SOMEONE ELSE 'S ACCOUNT. PLUS PUTTING SOMEONE ELSE 'S PAYROLL CHECK INTO MY CHECKING ACCOUNT AND NUMEROUS OTHER ERRORS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect late payment reporting while attending school full time
Product: Credit reporting or other personal consumer reports

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B- permissible purposes of Consumer Reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency my WRITTEN CONSENT & INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of these accounts listed IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I am demanding the deletion of the incorrect information listed IMMEDIATELY : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX. I am demanding the deletion of the inquiries listed IMMEDIATELY : XXXX XXXXXXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of my account in accordance with the Fair Credit Reporting Act ( FCRA ) 605B, 15 U.S.C. 1681c-2, due to a data breach and identity theft that has affected my personal information.

I have recently become aware that my personal information has been compromised, which has resulted in unauthorized access and fraudulent activity in my name. As a victim of identity theft, I am exercising my rights under the FCRA to request that you block and delete these accounts : XXXX XXXX XXXX XXXX
Product: Bank account or service

I can not access my Ally savings account via online, mobile or via telephone. It 's been over 2 weeks since I 've been able to access my account or even verify what my balance is. I 've called Ally on numerous occasions and I 've been told that it is an IT issue. I am refused my balance and twice I 've requested a bank card to no avail.
Product: Vehicle loan or lease

Just wondering if I am owed something by Wells Fargo due to the car loan that I had back in XXXX. And I feel like I doubled pay the last payment.
Product: Credit card or prepaid card

I received an American Express gift card on XX/XX/2023. Whenever I use the card, it's declined. I have tried at least six times to use this card, and it's declined everytime. I've tried at XXXX, XXXX, XXXX, XXXX, XXXX. The only denial that shows under transactions is the denial from XXXX, for {$0.00} ; other denied transactions aren't showing at all. I called American Express 's customer care on XX/XX/XXXX and was told that the merchant must not accept American Express, which is in no way true. She refused to further assist me and hung up in my face. I have {$100.00} that is stuck on this card that can't be spent because every transaction is declined ; whenever it's declined, I get a message about a problem with the issuing bank. There are limitless completed online regarding this exact same problem, and I'm definitely not making this up. American Express needs to rectify this situation and issue me a physical card. American Express is holding my money hostage and won't release it to any merchant for a purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against XXXX Credit Card after someone abused a POA and opened a credit card in my name. I submitted the notarized documents ( attached ) proving this was not an account I opened myself. Experian and XXXX both stated they would not reinvestigate this matter, saying I needed to send them the very documents I have sent over on more than 3 times. I am starting to believe that they unlike XXXX are unwilling to accept the military investigation results and the notarized documents obtained during that investigation. I did not open this account and am still being held liable for it.
Product: Debt collection

I began questioning this organization in XXXXXXXX XXXX XXXX and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the fourth time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Account Name Department of EducationXXXX XXXX Account number XXXX, XX/XX/XXXX, {$600.00}. 
Account Name Department of EducationXXXX XXXX Account number XXXX, XXXX XXXX, XXXX, XXXX Account Name Department of EducationXXXX XXXX Account number XXXX, XXXX XXXX, XXXX, {$2200.00} Account Name Department of EducationXXXX XXXX Account number XXXX XXXX XX/XX/XXXX, {$880.00} Account Name XXXX Account number XXXX, XX/XX/XXXX, {$2300.00}. 
Account Name XXXX XXXX XXXX. Account number XXXX. XXXX XXXX, XXXX. {$14000.00}. Charge off. 
Account Name XXXX XXXX XXXX. Account number XXXX. XX/XX/XXXX. {$27000.00} XXXX off. 
Account Name XXXX XXXX Account number XXXX. XX/XX/XXXX {$4400.00} Charge off. 
Account NameXXXX XXXX XXXX Account number XXXX, XX/XX/XXXX, {$1600.00} charge off. 
Account Name XXXX Collection/First XXXX svcs Account number XXXX XX/XX/XXXX, {$14000.00}. 
Account XXXX XXXX XXXX XXXX, Account number XXXX, XX/XX/XXXX, {$110.00}. 
Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX, XXXX XXXX, XXXX. {$490.00} Account Name XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account number XXXX. XXXX XXXX, XXXX. 
Account Name XXXX XXXX XXXX Account Number XXXX, XXXX XXXX, XXXX {$670.00} Account Name XXXX XXXX XXXX XXXX account Number XXXX, XX/XX/XXXX, {$4800.00}. 
Account Name XXXX XXXX, Account Number XXXX, XX/XX/XXXX, {$630.00}. 
Account Name XXXX XXXX, Account Number XXXX, ) XX/XX/XXXX, {$80000.00}. 
Account Name XXXX XXXX XXXX Account number XXXX, XX/XX/XXXX, {$400.00} Account Name Family Support Division, Account Number XXXX, XX/XX/XXXX, {$17000.00}. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the item attached below to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned item for it was found to be erroneous and unauthorized. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4600.00}
Product: Checking or savings account

My wife and I were living in XXXXXXXX XXXX and banking with a local credit union. We started building a home in the XXXXXXXX XXXX area earlier this year. We decided to sell our home and make the transition to XXXX which would include the decision to change our local bank. 

Upon evaluating our options, and seeing the offers that existed, we contacted a major bank CITIBANK and opened an account via phone call. This process was a disaster! It took several days to get this completed, they did a wire request in the amount of {$600000.00} instead of the {$60000.00}. It took several days to remedy this error even after requesting the recorded authorization and verifying that their agent " fat-fingered '' the amount requested. 

Upon selling our home, making the initial transfers, and then moving all of our banking to CITIBANK, this morning they closed our accounts. They refuse to talk to us. They have kept our money and verbally promised to return it to us. They have stated we have a notification mailed to us. ( and yet we have all our mail digitally presented by the USPS and there are no letters from Citibank ). The fraud dept. there has hung up on me twice. I can not get any help in resolving this matter or getting my money back from Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my Credit Report. 

Completely surprised to see on that report : I C SYSTEM COLLECTIONS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$200.00} Date Updated : XX/XX/XXXX Original Amount : {$200.00} Original Creditor : XXXX XXXX XXXX XXXX Past Due : > $ XXXX< Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX I never received a bill, call, email, nothing from this company. Suddenly it just appeared on my Credit Report. 
They did not follow legal debt collection practices, I was not given 30 days to dispute this. 
As of right now, I have still never heard from this company. 
The damage is done. I am trying to get a new mortgage and move, but because of companies like I C SYSTEM COLLECTIONS # XXXX, who have MANY complaints such as the XXXX, XXXX, etc., I have to wait on unscrupulous credit collectors. 
I have never received 1 single item to try to verify this debt. I have never head from them. Now I have to waste my time waiting on this company. 
They never gave me the opportunity to verify the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've contacted Experian,  XXXX  and  XXXX  in regards to some incorrect and fraudulent accounts. I sent in my police report my identification documents and so forth. I 've contacted the creditors who havemt responded so this is my  last stree t before taking it to civil or federal court. They have broken the law. Not marking my accounts disputed within 30 days, refusing to send me information regarding disputes or disputes validated, refusing to send validation information or methods and so forth. I 've disputed these accounts numerous times by certified mail and they have not been properly handled or responded too. I 've kept close documentation of communication and recorded conversation pulled.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I use Key Bank bill payment services to pay my monthly home mortgage payment to XXXX XXXX. Twice in three months, the funds were removed from my account as scheduled, but not received by XXXX XXXX for weeks after withdrawn from my checking account, and resulting in hundreds of dollars of late fees for the two late payments. I have tried to resolve with Key Bank on multiple occasion with no success. Very frustrating. The Key Bank " BIll Pay Guarantee '' is worthless. 

The first payment of {$2500.00} was scheduled for XX/XX/XXXX and debited to my checking account on that day. The due date wasXX/XX/XXXX XXXX XXXX did not receive payment via check until XX/XX/XXXX 

The second payment of concern of {$2500.00} was scheduled and debited to my checking account onXX/XX/XXXX. This payment was not received by XXXX XXXX until XX/XX/XXXX 

The Key Bank bill payment Guarantee is copied below. I clearly met the guarantee criteria, but get nothing but a run-around with no helpful explanation or answers from Key Bank.

To take advantage of the Bill Pay Guarantee*, and ensure that your payments will be received accurately and posted by your payee, schedule your payments as follows : For electronic payments, you must schedule your payment at least 2 business days before the due date.

For check payments, you must schedule your payment at least 4 business days before the due date. 
For payments made to KeyBank and display a 'Key ' icon, you must schedule your payment on or before the due date.

Ensure that the payment information entered is accurate and enough time is allotted for processing based upon the guidelines above.

If payments are made within the guidelines of the guarantee and KeyBank does not properly complete a bill payment on time or for the correct amount, KeyBank will pay any late fees and finance charges that result solely from that failed bill payment and send any correspondence necessary to rectify credit reporting.
Product: Debt collection

Not sure on dates but Portfolio Recovery continued to call daily several times a day not only me but my husband. They used tactics not appropriate plus inappropriate language. They also purchased accounts which were not original creditor threatening to take to court. They continued this process until they sold them to other companies. This should be illegal to continue to sell accounts for Pennies on the dollar over and over taking you to court when they do not even have original contract or etc. All these companies put them on your credit and try to start over from original date of contract. I think you should also put XXXX a lawsuit as well or any other debt company who is buying debt for Pennies on the dollar and beginning debt over from date they purchased.
Product: Credit reporting, credit repair services, or other personal consumer reports

First Advantage is sending potential employers a background check on someone else. Nothing contained in their report is me. I am losing jobs over this.
Product: Debt collection

Jefferson Capital Syst has been harassing me with Unwarranted phone calls which is in violation of the FCRA. They are trying to hold my credit report as hostage for a debt I do not owe them.
Product: Money transfer, virtual currency, or money service

I am writing to formally address a concerning issue regarding the wrongful closure of my Cash App account. I recently received a notification indicating that my account was closed due to a purported violation of XXXX XXXX policies. I am confident that this closure was a mistake, and I am seeking a thorough review and reinstatement of my account. 
I have been a loyal Cash App user for several years, during which I have always adhered to the terms of service and have not previously encountered any violations. The sudden closure of my account has caused significant disruption, particularly because I rely on Cash App for crucial financial support to my family members both in-state and across state lines. The inability to send funds swiftly has impacted my ability to support my loved ones during critical times. 
Additionally, I operate a business where most of my customers use Cash App for transactions. The integration of Cash App as a payment option is vital for the growth of my business and for providing a seamless payment experience to my customers. The absence of this service has created complications and negatively affected my business operations. 
The situation is particularly distressing because I believe that my account was wrongfully flagged. Under criminal law, it is prohibited to falsely accuse someone of a crime they did not commit. Similarly, being wrongfully accused of violating your policies and having my account closed without clear justification is both unfair and detrimental. I am prepared to provide any legal documentation or transaction history necessary to clarify any misunderstandings that may have occurred. 
Given my long-standing relationship with Cash App and the critical role it plays in my personal and professional life, I am requesting that you review my case with urgency. I am willing to provide identity verification, and any additional business information required to facilitate this process. 
I sincerely hope that my account can be reinstated so I can continue to support my family and manage my business effectively. I would be extremely grateful for your prompt attention to this matter and for the opportunity to resolve this issue.