23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Im trying to buy a home, I did not apply for a credit card. I think I know who did. My son had friends over for the weekend. All of a sudden I get credit card denials by email. I had a capital one card in the past and defaulted so I know for a fact they wouldnt approve me for another one so there is no way I applied for this! Please remove this inquiry from my credit this is causing me economic harm
Product: Credit reporting or other personal consumer reports

Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefore, I demand validation and verification of the alleged debt. Furthermore, it is imperative that you notify TransUnion and XXXX to delete this information from my credit report immediately. The account in question is detailed and Unauthorized Accounts include the following : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX. In addition, I am requesting for a copy of the 1099-C filed for the charged-off debt. These creditors must provide this to me, as the consumer, or you will be neglecting to comply with FEDERAL law. This leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report { insert creditor } to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. It is essential to understand that a canceled
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, around XXXX Eastern Time, A guy by the name of XXXX XXXX promised me he could make me more money so I transferred XXXX $ on XXXX. It sounded legit because I had to go through my bank to sign on and give them money through it. I trusted him so i did and he then told me he got it and I would recieve a larger payment soon. He then blocked me on every website and all I have is his name and phone number. I asked wells fargo for a refund, and now im locked out of my account and I called XXXX and told me they couldnt help me.
Product: Payday loan, title loan, or personal loan

I am paying {$210.00} a month for a system that is not functioning properly. This is not even working at all. It's a piece of junk sitting in my yard. It is a non stop problem. And it is not worth the {$61.00} XXXX loan that I am supposed to be paying. I am literally paying XXXX electric bills. I wish I'd never had this system installed. It is not worth the money I am paying. All I have gotten is Lies!!!
Product: Credit reporting or other personal consumer reports

Hello, please carefully read my complaint. I can't help but notice an inquiry on my credit report which I do not recognize nor applied for. This company accessed my credit report without my prior authorization, I did not consent nor they asked for it which is very alarming and stressing me out.
Product: Debt collection

My complaint is about my account was close without me knowing the reason for.I received a mail XXXX about my account closed because i violated the capital one customer agreement and most stop using my this account immediately.then they wrote that Im still responsible for paying any remaining balance and will continue get billing statements until balance reaches XXXX. I was paying my bill on time and trying to build my credit I needed this to resolve.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX, XXXX # XXXX -BALANCE {$3300.00} Unauthorized inquiries XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding how Zelle handles disputes in light of the recent CFPB lawsuit highlighting significant issues on their platform. My financial institution and Zelle has failed to properly investigate my claims.
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 Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX  Account XXXX has violated my rights XXXX Or a list of inquiries : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

There are various Fraudulent inquiries listed on my consumer report. The inquiries are with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to the Experian for the following unauthorized inquiries listed below and notified them of their error posting on my credit file. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the actual proof and physical firsthand documentation but I did not receive what I asked and these violations persist on my credit report. 

1. ) XXXX XXXX  XXXX. Date of inquiry XX/XX/XXXX 2. ) XXXX XXXX  XXXX. Date of inquiry XX/XX/XXXX 3. ) XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX 4. ) XXXX XXXX XXXX Date of inquiry XX/XX/XXXX 5. ) XXXX XXXX Date of inquiry XX/XX/XXXX 6. ) XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I have received an unsolicited email that implies I owe money to a company ( Skrill? ) I have no relationship with, and have never heard of before.
Product: Debt collection

this involves a timeshare. After speaking to a commercial lawyer I was advised that their tactics to have me buy the timeshare in 2014 were illegal and in violation of consumer laws. I further asked them for help to sell or transfer the timeshare and they refused. I in turn refused to pay the mortgage and they said it was breach of contract and I welcomed the legal action because : they called my sister in law and my sister and called saying I or my wife needed to call them because we we defaulting on our mortgage. These family members presumed it was our house. It is not and they have no right to contact them and disclose the nature of the debt, just how to reach us.
Product: Checking or savings account

I made a deposit to my account on XX/XX/XXXX at a pnc atm for {$7500.00}. I then received a notice that the deposit was being held because the check appeared altered. I did not write on nor alter the check, I was told that I was attempting fraud on the account and that's why it was being held until XX/XX/XXXX. I checked my account on XX/XX/XXXX to see if the funds were in fact released, I was then transferred to XXXX in the loss avoidance department who proceeded to tell me that the hold was on the funds until XX/XX/XXXX. I asked her if it was customary to hold a check for 6 weeks, to which she told me yes, if the check appears to be fraud. I stated that she is accusing me of fraud. She also stated that if I had a problem with the check I should reach out to my bank. I advised her that PNC is my bank and I am reaching out to you. She then hung up the phone on me. I have called in to the customer service department several times regarding this check, I was told by one loss avoidance associate that if I provided the number to verify the check that it would be cleared. I did that and was told the number was unacceptable. The check is from a lawsuit that I was a party in. The settlement claims administrator can be contacted at XXXX XXXX XXXX, XXXX XXXX. I understand a reasonable hold but to be accused of fraud and to then have an item placed on hold for over 6 weeks seems to be punishment for being a PNC customer, on top of being disrespected by being hung up on. Also, if I am being accused of altering the original check why wasn't the original requested to be sent from the branch to loss avoidance so that it could be seen in person. I have also deposited a separate check from the settlement drawn from the same bank which PNC cleared. I have not received a separate letter for the 6 week hold. I requested my check be returned to me and was told that it could not be returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit card account was fraudulently established with Continental Finance Company , LLC using my identity in XXXX, and subsequently reported to the credit reporting agencies as delinquent. Numerous attempts with Continental to establish the account as fraudulent and have it removed from my credit reports went unanswered. I submitted complaint # XXXX with CFPB in XXXX, and a rep from Continental responded with a Notification of Suspected Identity Theft form to submit. The form was promptly submitted, and a rep informed me over the phone that the form was received and the account would be removed from the credit reporting agencies and a confirmation letter mailed to me. As of XXXX the fraudulent, delinquent account is still being reported to credit reporting agencies and I have never received any letter from Continental confirming the removal of the account. I contacted Continental 's customer service over a month ago and was promised a " supervisor '' would contact me to help but have yet to receive any response. Continental repeatedly refuses to provide any contacts within the company that can resolve this issue.
Product: Credit reporting or other personal consumer reports

I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identify theft. Immediately Delete any and all social security numbers that your company is reporting on my credit report. 
My date of birth is XXXX I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

I do NOT have any requisite spouses nor roommates nor co-applicants and I do NOT desire any spouses or roommates or co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
Product: Mortgage

I sold my fathers home after he XXXX and was rightfully due all escrow overpayments as well as a check that was sent in my dads name. The check was for compensation for how I was treated during a loan modification for the home which I applied for after his XXXX. I sent Wells Fargo mortgage all of the documents they requested to receive the escrow and check, in my name. This process started as soon as I closed on the house on XX/XX/XXXX. I also requested they send me back some of the fees I paid, which they agreed to do. I received several letters from different loan dept employees. Some asking for more documents ( which I immediately sent ) some asking for docs they 've already received ( which I called and verified ) and some stating they need additional paperwork which they could n't even state what they needed because it was a legal matter and I 'd have to contact an attorney. I showed an attorney everything I sent to Wells Fargo and he said there is nothing more they should need from me and sees no reason why they are holding my money. I 've made several calls to the mortgage dept and NEVER got a straight answer about whet more needs to take place for me to receive my money. I spoke with them on the phone at least a dozen times. The last two calls I made was the last straw. I was told that a check was sent out to me and that it was endorsed and cashed on XX/XX/XXXX. I never received any check from them so I asked her to scan and email a front and back copy of the check so I could see who forged it. She said they were not allowed to do that. So I asked what the endorsement on the back showed and she said it was n't legible. I asked her where the check was mailed to and she said it went to the home which I sold. I asked why would it be sent there when they were paid in full for the home and knew I no longer resided there. ( I had given them my new address, several times ). She had no answer for that. I asked her to send me some sort of proof that a check was ever sent and she said she could n't but I would be receiving a letter from them about the issue. I said well the only issue is I want my money and you are refusing to pay it to me .... PERIOD!! To date, I have not received any correspondence from them, whatsoever. 
I have been treated like a criminal from day one from Wells Fargo mortgage dept employees. I do n't have the money to hire a lawyer nor should I need to. I have never dealt with more unprofessional, or inadequate employees in my life!
Product: Mortgage

XXXX XXXX XXXX  I received a letter via mail that my mortgage company needed a copy of my hazard insurance. I submitted it via their website immediately and did not hear back until XXXX asking for the same thing. At that point I contacted my insurance broker to verify I sent the correct thing and I had. My broker then submitted a copy of my policy via their website and fax. I again sent it myself as well via website, fax and I mailed a copy. XXXX, I received the same letter. Again, my insurance broker and I submitted my policy via their website and fax. Even the management company for my XXXX attempted to send my policy in the same manner. I did not hear anything again, so I thought they had gotten what they had needed finally. Then on XXXX I went to the New Rez website to pay my bill as normal and noticed my escrow amount was off. When I looked into it New Rez has purchased a hazard insurance policy and has been billing me for it. As I began to look through my statements I saw : XXXXXX/XX/XXXX Lender Placed Hazard Disbursement {$120.00}, XX/XX/XXXX Lender Placed Hazard Disbursement {$42.00}, XX/XX/XXXX Lender Placed Hazard Disbursement {$42.00}, XX/XX/XXXXXXXX  Lender Placed Hazard Disbursement XXXX XXXX Hazard Disbursement {$310.00}, XX/XX/XXXXXXXX  Lender Placed Hazard Disbursement {$43.00}. I messaged new rez via their message area on their website twice on XX/XX/XXXXXXXX  Again on XX/XX/XXXX and a 4th time on XX/XX/XXXX. I have not received any sort of response. I also filed a complaint with the XXXX XXXX XXXX  : Complaint ID : XXXX. New Rez has not responded to the XXXX either. Now I see on my next billing statement they are increasing my house payment due to this but at the same time never responding to any of my messages. I have literally done everything but fly to their state and hand the insurance policies to them personally. They are bold faced ignoring me and the XXXX. I don't know what else I can do. I am a one income household, and I can not afford for them to not only be stealing from me, but they are increasing my house payment due to their error and refusing to acknowledge or correct this.
Product: Checking or savings account

I asked XXXX to transfer my money from XXXX XXXX account to Goldman Sachs USA in the amount of XXXX and instead they stole the XXXX, them pulled negative XXXX then reversed the negative XXXX in their system without ever giving it back to the external account thereby leaving it negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$530.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Citibank Associates : I have received a letter with your investigation results and I am formally asking for an appeal because I do not agree with your findings. First, I have not been informed of the arbitration details that caused you to deny my request to refund the inappropriate charged amounts to my account. Second, I would like a clear understanding of why the details, documents and information I have provided to you is inadequate to prove that I did not receive items charged to my account and hired other vendors to complete the improvements to my home. Third, I would like to know why even though the information I sent to you was pushed back from the merchant, that you, the company that I have done business with for two decades, has not protected me with your own fraud resources.

I look forward to your responses. 
Respectfully submitted, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit information was released without my permission. My credit has pulled numerous times and address you have no knowledge of. I was divorced in XXXX and numerous requests have been made on. I cant even get a copy of my own credit report.
Product: Debt collection

Receive daily calls from multiple numbers. They are attempting to collect on a debt that was charged off 12 years ago. This is a non collectable debt. I have told 3 different representatives to remove me from their call list. The calls continue daily. When I block a number they call from a different number. Also Portfolio Recovery ( they ) has made and continues to make anywhere from 3 to 5 soft inquiries to my credit per week. There is no reason for any of this.Having already requested these actions to stop. They ignore my requests and continue the harassment. I'm fairly certain all of this is not legal. I intend to seek legal council, as I have been harassed for 2 years nonstop. This is first step in my process of documentation.
Product: Checking or savings account

Back in XXXX I was given XXXX from my mom insurance policy my mom passed XXXX I received the check direct deposit from my mom insurance company called XXXX. The only money I had spent out of my account was XXXX and that was on my all white XXXX XX/XX/21 XXXX I then began to start seeing small charges to my account I then contacted the bank Chime and explained to them whats happening and they told me they would send another card out and shut the old one off I said ok the next following night about XXXX I noticed a charge again for XXXX my card was turned off and my new card was also deactivated so how was a purchase able to come off I called and explain this to them threatened to move my money the next business day Chime had closed my account with the remaining of money in my account. Also with numerous of purchases on my account that I did not authorize please help me Ive reached out to them and also sent emails and no response.