23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted by XXXX, XXXX thst I owed quite a large amount to XXXX the debt collector informed me he was able to make a settlement to clear the account. Two days letter he called back and gave me a figure of {$670.00} I gave him a check he claimed they deal with XXXX in regards to this settlement I got a letter that I still owed and called tranworld and said it takes time. Two months ago I get a large bill from XXXX suspending my registration I called XXXX they never made a settlement with them I have been trying to get the correct information from transported but the run around this is very dishonest and they are still trying to make like they want to help And today tried to make me a new settlement my lively hood is needing cars to go to work. I feel they pulled a number in me since they tell u anything to make a commission and I want my money back with interest. Please help this is a hardship for me and terrible that you put trust in a world wide company to do this not to me but lots of others.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following Inquiries Are Not Mine, I AM STATING THAT I EXPLICITLY DID NOT AUTHORIZE THESE CREDIT INQUIRIES. They are invalid and were not performed by me - thus please delete them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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: Checking or savings account

Citibank notified me around XX/XX/2020 that they were closing my account and that I would receive the funds that were left in my account within 30-60 days. It is no over 90 days and I donlt have my funds -- approx {$6000.00}. I called them over 10 days and they tell me the same thing the person working on the account has not finished yet. They offer to send an email to him, but nothing is ever done. I ask to speak to a supervisor and they will not let me speak to a supervisor and usually hang up. I went to the bank itself and they say there is nothing they can do. I just want my money back that I received from my payroll.
Product: Credit reporting or other personal consumer reports

I am writing to you because I have recently reviewed my credit report & I found several discrepancies in the below accounts you are reporting. 
Please fully validate the reported information below and remove anything that you can not provide signed, original contracts for that correlates to the accounts in question. 

XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX  Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX You are required to fully verify the above disputed items within 30 days, or you must delete the items from my credit report. You are required to do this under the FCRA 609/611 provisions. Also, I would like an updated copy of my credit report once this investigation is complete. 
Thank you,
Product: Checking or savings account

I got XXXX XXXX dollars back from Rockland Trust for larceny. They owed me XXXX more. Would not give me that and started to inflate my account with almost XXXX of others monies. It was in XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account closed end in XXXX closed XX/XX/2023. See attached documents. They previously were found guilty of a ponzi scheme. Now that investment banker there is there XXXX. I never thought I could get more than the XXXX back with a police report. I do have a police report no. ( XXXX ) XXXX. XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE THE FOLLOWING UNKNOWN HARD INQUIRIES OFF ALL MY REPORTS. NOT DONE BY ME XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom this may concern, I am writing to exercise my rights under the Gramm-Leach-Bliley Act ( GLBA ), specifically per XXXX XXXX XXXX As a federally protected consumer, I hereby opt out of any and all authorizations for the sharing of my nonpublic personal information that I may have previously provided, whether those authorizations were given in writing, verbally, or implied through my actions or inactions.

This includes, but is not limited to, any consent I may have provided for the sharing of my personal financial information with non-affiliated third parties. I request that you cease sharing my nonpublic personal information, except as required by law. 

Please confirm in writing that my request to opt out has been processed and provide any further steps I need to take, if applicable. 

Thank you for your prompt attention to this matter. 

I look forward to your confirmation that my opt-out request has been honored. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

This is the last letter I faxed to Chase to Dispute. I have filed 4 disputes with Chase and they still tell me I am responsible for the charges. 

Re : Dispute Request original card ending XXXX, current card ending XXXX I want to continue disputing the two charges of {$2100.00} on XX/XX/2022 and {$1800.00} on XX/XX/2022. 

On XX/XX/2022, I enlisted the services of XXXX & XXXX XXXX, also known as XXXX XXXX XXXX. The owner is XXXX XXXX, phone number ( XXXX ) XXXX. 
I had met him earlier that afternoon and gave him a check for {$1800.00}. So, my balance was {$2100.00}. Later afternoon on XX/XX/2022 ( important key date! ) he ran my Chase Card for the balance for the {$2100.00}. This charge was valid. 

In XXXX, while checking my Chase account, I saw the charges of {$2100.00}, dated XX/XX/2022, {$1800.00} and {$800.00}, dated XX/XX/2022. ( The {$800.00} has been resolved ). 
I DID NOT ENLIST ANY SERVICE ON THESE DATES. THE JOB WAS DONE IN XXXX and PAID FOR THEN. I called him and left him a message and then I texted him all the details. I have copies of these texts, as well as copies of the receipts included with this letter. I also contacted Chase and started the dispute process. I was issued a new card. 

When XXXX contacted XXXX he found that his XXXX XXXX XXXX XXXX had been hacked into. They told him that refunds would be made. Obviously, that has not happened. Im beginning to think he has been lying about this. Now, I have been declined the refund of the amounts of {$2100.00} from XX/XX/2022 and {$1800.00} from XX/XX/2022 and my account has once again been charged. 

I have remained in contact with XXXX via text messages which I have included. These will prove that he knows he owes me the refunds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/2018 there was a fraud alert received from my credit report per my free credit check with XXXX XXXX XXXX. 
XXXX/2018 new credit inquiry from XXXX XXXX ( Type of Industry : Bank Address : XXXX XXXX XXXX XXXX  XXXX XXXX OH XXXX Phone Number : ( XXXX ) XXXX XXXX XXXX/2018 - new credit inquiry from XXXX XXXX XXXX ( Type of Industry : Miscellaneous Address : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX CA XXXX Phone Number : ( undefined ) undefined ) I would like to report these two and flag them as credit inquiries I did not request as I do not remember or recall approving or requesting these credit inquiries.
Product: Debt collection

Some one called me about this debt saying they were an attorney and demanded payment
Product: Checking or savings account

My Kohls account switched to Capital One Kohls and I could not set up the account on line, come to find out Capital One had allowed someone to open a account in my name with my SS #, Capital one has yet to give me any information on this account or how it was opened, however they mistakenly gave me access and I have a print out of the acocunt and the address and email used to open which is not mine, the person used my Maiden name, which has not been my legal name for over XXXX  years. I have filed a Police report. I still do not have access to use my Kohls Credit Card, its attacehd to the fraudulent account. I had to remove all my information from the Kohls account becasue Capital One joined the XXXX accounts even after they knew the checking account was fraudulent
Product: Checking or savings account

My SSDI income went to XXXX I had mortgage an national general insurance gave me check {$15.00} an I gave them XXXX contractors all want more money my house fire XX/XX/year> XXXX & I took me civil court to knock my house down from fire judge said wait on mail I got the mail Thanksgiving they knock my house down social security said they want all my payment to go to same back XXXX was set up at XXXX  bank they closed my account 2 years my direct deposit go to TD now XXXX I had that owe them Visa had mortgage XXXX said XXXX bank got my money XXXX payments {$2400.00} XXXX bank XXXX XXXX gave me email XXXX paid for my XXXX they closed my account arbitration on term amhfcu Avid XXXX XXXX serve XXXX XXXX
Product: Debt collection

XXXX XXXX cancelled policy and I had contacted them that I would have their money the next week. I also explained that it was due to job loss. They proceeded to cancel policy and did not inform me that they were opening a new one. I wasn't able to drive because I didn't have insurance and I had to open another policy to use my cars.

This is a fraudulent charge and I tried to speak to them about it, but they did not get back to me ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : US DEPT ED ACCOUNT NUMBER : XXXX
Product: Debt collection

Fig Loans Texas LLC Reported invalidated information to any of the 3 major Consumer Reporting Agencies ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccorance with the Fair Credit Reporting act XXXX XXXX Account 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an apartment and I got denied. I didn't know why so today I checked my credit report. While doing so I saw items that are not mine. These items are not mine and all needs to be deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX XXXX, XXXX, XXXX XXXX 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

My identity was recently stolen. The fraudsters have used my social etc. to apply for a number of different credit accounts with stores, such as XXXX, XXXX, XXXX, XXXX XXXX, etc.
Product: Debt collection

USCB AMERICA is sending letter stating that I owe a debt that is not validated. Without any valid proof of contract. Which is in Violation of 15 USC 1692b ( 2 ). 

USCB AMERICA is threatening to submit negative report to the credit reporting agencies, which is a threat to take an action that can not be legally taken. Which is a Violation of 15 USC 1692e ( 5 ) USCB AMERICA is willfully using threats to harm my reputation by threatening to submit negative report to the credit reporting agency. Which is in Violation of 15 USC 1692d ( 1 ) On multiple counts USCB AMERICA violates 15 usc 1692b ( 5 ) by willfully including logos/symbols and other language in the content of the communication
Product: Credit card

chase bank Claim id # XXXX This is 3 month program is including, in class course, summit application to XXXX and study materials. 

I had sign up in XX/XX/2023, after sign up i received study materials only, without in class course and submit application to XXXX. Missing this XXXX, since XX/XX/2023 i been calling, every day, leave voice mail, text, email to them, For my XXXX XXXX service which is in classes course, and submit application to XXXX 
but they never respond at all .i got disappointment and stressed been many days, XX/XX/2023 is my last calling to them. But they still never respond. so I had end up to dispute my payment on XX/XX/2023. After next day of the dispute XXXX they are starting contact me by email. but its too late i had already sign up with another school. Cause they never respond in 13 days. 

Attention : this is 3 month program, which is 90 days service, its miss XXXX other service since XX/XX/XXXX from the beginning, with only study materials that i received is useless, materials is use to leaning in inclass courses that i never received it, i had already return unused materials to them. 
Here is the return package usps tracking # XXXX
Product: Credit reporting 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 XXXX XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate. 
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 XXXX XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I am lodging a complaint against Wells Fargo for several reasons : - The branch where our safe deposit box is located was temporarily closed without any advance notice to allow us to retrieve critical time-sensitive contents. 
- I was not allowed to talk with representatives of the branch to retrieve contents I needed immediately but was instructed to email to set up an appointment. 
- The stated time frame for a response to my email was 2 business days, but it has been longer than that and I have not received any response from Wells Fargo. 

I lost a sale of my car due to not being able to get the title to the vehicle. This approach to not allowing access to my safe deposit box is deployable. 

What if I needed a Health Care Power of Attorney immediately or a Will or a Deed to our home? 

Certainly, the function of many Wells Fargo branches is fungible, except for access to safe deposit boxes. 

I still have not heard from Wells Fargo to gain access to my safe deposit box. 

Please appraise me of the status of my complaint. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

FCO aka Fair Collections and Out lied to me and said they would deleted the tradeline and derogatory remark/collection if I paid the debt. The debt was paid XX/XX/XXXX. I called on XX/XX/XXXX and they told me they will not delete it.
Product: Credit card

I am writing to bring to your attention a series of concerning events involving unauthorized transactions and improper handling of my account by First Progress. The details of the incidents are outlined as follows : On XX/XX/XXXX, an unauthorized payment of {$540.00} was made to my First progress account ending in XXXX from XXXXXXXX XXXX  XXXX XXXX. The fraudulent account in question ended in XXXX, with a routing number of XXXX and reference payment number XXXX. 
Subsequently, on XX/XX/XXXX, First Progress charged a {$540.00} reversal fee along with a {$30.00} return check fee without contacting me about the matter. 
On XX/XX/XXXX, upon noticing the unauthorized payment on my credit card statement, I immediately contacted First Progress to dispute the payment transaction and reported it as fraud. I spoke with XXXX, employee ID XXXX, during this initial communication. 
Following my report, I was assured that there would be a FRAUD investigation into the matter and a new card would be issued to replace the compromised one. 
During the fraud investigation, First Progress forwarded fraudulent information regarding my credit history payment to the credit reporting agencies, impacting my credit standing.

Further investigation revealed that First Progress indeed issued a new card account ending in XXXX on XX/XX/XXXX. This card was not activated by me. First Progress closed it on XX/XX/XXXX. However, during this period, I was charged an additional {$41.00} in late fee and my {$500.00} in secured deposit to open my card was taken from my account without proper explanation. Also, I was advised to pay the {$71.00} to activate and use the new card. 
Additionally, First Progress updated my closed account ending in XXXX with a previous balance of {$71.00} to the new credit card account ending in XXXX that was not yet activated to new a balance of {$110.00}. This action attributed to the increase of the account being 90 days past due and justifying a new late fee of {$41.00}. 
It is worth noting that these updates were made while the account was reported as closed on my credit reports, indicating a discrepancy in reporting practices. First Progress did not notify the Credit agencies XXXX, XXXX or XXXX of reported fraud on my account. 
In conclusion, I am deeply concerned about the handling of my account by First Progress. The unauthorized transactions, improper fees, and discrepancies in reporting raise serious questions about the integrity and fairness of their business practices. I feel that my best interests have not been adequately protected throughout this process, and I am disappointed by the lack of proactive communication and resolution from First Progress.
Product: Mortgage

we fell behind on our mortgage due to covid-19. we have tried to work out a resolution with Midland Mortgage our mortgage servicer and there has been no response. The mortgage company have not responded to the Borrower assistance package we sent detailing our hardship. We have sent in the borrower assistance package numerous time including the most recent submission on XX/XX/2021 notifying Midland mortgage the reasons of our default being the pandemic
Product: Mortgage

Good Morning, My issue is with Wells Fargo and their failure to honor the principle reduction I was promised by one of their representatives ( XXXX XXXX ) in a modification agreement. I completed the modification plan we agreed to and now they will not honor their end of the agreement, principle reduction of my mortgage. I am seeking help with this situation and an investigation into Wells Fargo to see if other clients have had this issue also.