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

Got this card as a result of having issues re-establishing my XXXX account. I got this card as a result of influence from local stores that sold the prepaid debit card from XXXX and thought it was an interesting trade name. I believed the correlation was a well suited match for those having issues with financial security and believed the concept to be a interesting idea. It was something that had a lot of frequency in the area due to the saturation of banks in the area and for me this made sense. It was reinforced with the XXXX XXXX XXXX XXXX and with the fact that they used XXXXXXXX XXXX XXXX like XXXX gave it some level of validity. 

I was not a fan of the app. I found that setting this card up to be rather difficult. And abandoned the application process in setting up direct deposit as frankly you made it all too hard to do such.
Product: Debt collection

Grant and Weber and XXXX XXXX XXXX have several accounts showing on my credit report after I had disputed it once and it was removed back in 2014. When I contacted Grant and Weber one week ago to inquire about the items listed on my credit report, he couldnt even provide the original amount that was owed because the XXXX XXXX   was charging me interest, is what he said. I explained that I had disputed this once before and it was removed, he was very rude, put me on a hold penalty, because I was over talking him. I asked him to provide the original creditor, he couldnt even provide it and he told me to contact them directly. I then said, how can I contact them directly if I do not have the information ( ofcourse by then, I was very upset ), he said I needed to write a letter to request information. I told him I was going to report him. Please ask to listen to our conversation as it was being audio taped. There are 4 different accounts listed by Grant and Weber and one from XXXX XXXX. I contacted the only hospitals I have attended and they do not have anything listed as being sent to the credit bureaus. This information would apply to all three credit bureaus. Please look into the matter and help!
Product: Checking or savings account

Wells Fargo complaint number XXXX XXXX XXXX Account number : XXXX On XX/XX/XXXX of 2019, I was the victim of a robbery, the person who stole my wallet with my debit card has been identified as XXXX XXXX, a homeless man of XXXX yeard old that possesses criminal records I did a police report, and police and also a private investigation was started & all that was shared with Wells Fargo. 
I gave well Fargo all the information need it, I demanded Wells Fargo to check the bank security camera where would easily show that I never been in this bank, the bank answered me that they did not have enough evidence that the transaction was unauthorized.The manager of the place where I used to live is a witness, he saw the person stealing from my home, my boyfriend is also witnessed, this person has many criminal records, there is a video in weel Fargo where will show this person on the bank, however for the bank conveniently all that is no enough evidence, so I wonder then what is enough evidence to Wells Fargo? 
Their decision was based only on assumption without any real proves of facts and they arrived to the conclusion that the transaction was made by me. They base their negligent decision in a poor investigation based in nothing factual, they told me because I live nearby the location from where the money was taken, and because my bank account was inflated the day before, and because there was no attempt of using other pins, the criminal was a friend of my roommate that spend some nigth at the house, my answer to all that : I was victim of robber by a person that my roommate used to trust that is not my fault, who he got my exact pin number I don't have idea, that is not my busyness, I did not give to him, I don't authorize him to go the bank, I did not plane to steal from myself. Your decision of this claim have deeply humiliated me, you made me feel like thief, am suffering great pain, I was the victim and you have the power to prove it, but you insist in not to release the security camera from your bank, you are ignoring facts and you pretend to blame me, the victim for something that you should protect me, .I will no rest until bringing justice to this matter. 
I demand you release the bank security cameras.that is the ultimate prove, and to give me back the XXXX dollars stoles from me, and to hear from the witness that I mentioned before, now all of them are ready to come forward in my defense and they are ready to testify in any place. 
I will not let this bank get away after to treat me like a second class citizen. 
This is the last chance for you to do the right thing, my witness and I we are willing to go to tv station and find for a lawyer. 

if you are so sure that you are right then why you don't give me a copy of the bank security camera, that will prove that you are wrong and that you must pay the money stolen. To me all this situation is unfair and deeply dishonest from your part. 
sincerly XXXX XXXX XXXX.
Product: Debt collection

XX/XX/2021, {$510.00} this account is a fraudulent open by Someone who stolen my identity, Fraud
Product: Credit reporting or other personal consumer reports

I ordered copies of my credit report and discovered accounts that do not belong to me. I am a victim of identity theft. I requested that the companies remove the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I also requested the companies remove the following addresses from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I also requested the companies remove the following incorrect names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I also requested the companies remove the following outdated employment information : XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Ever since the use a cash app has been available it has been a complete scam. All the consumers monies pooled into one account? The monies that have been deposited by that myself has not been available as well as the debit cards have been stolen and cloned. And this is on more than one account with cash app. The accounts have been linked to XXXX XXXX XXXX and banking institutions since XXXX. The amount of monies lost is undetermined nor unmeasurable due to the time lost and events unfolding still today as we speak. Being an investor once with XXXX XXXX accounts were suddenly closed for no reason given. XXXX XXXX XXXX passed thru XXXX XXXX  and account was closed 10 minutes after the transaction with the reason " security risk '' with no following communication by the company. All these companies are tied together and have been sticking it to the consumer this entire time and brushing off the warnings and or reports by the consumer. How does a company pool consumers money together? Is this even legal? This is not my first complaint and have received plenty harassment from doing so. The accounts will show the problems as well as having 32 devices logged into one account since XXXX and the disconnect just this year at the begining. The communication is a joke with Cash App and why should the consumer have to uninstall the app then reinstall, doesnt that erase all the data saved? Owner of more than one account with cash app ... XXXX was comprimized via email and can not access email to get any responses ... $ weetemotionz and $ XXXX are two of the accounts with cash app .....
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and I request that certain accounts be blocked and deleted from my credit file in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). The following accounts were opened without my authorization, and I am requesting their immediate removal from my credit report : Fraudulent Accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$520.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$740.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I already submitted a ftc report as well as an identity theft affidavit, but somehow unauthorized inquiries are still reporting on my credit report. Please see the attached affidavit stating that my identity was compromised, and I do not have any idea who these creditors are they are reporting these unauthorized inquiries. All is being investigated by the FTC. Please remove the following unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I believe that loans were predator. I need to have someone to review my loans. The balance from the initial loans has triple. I am not behind on the loans, and I would like to paid them off, but these figures appear to be outrageous
Product: Checking or savings account

I received a debit card with a bank letter welcoming me to the bank and that I would receive a pin number in another mailing. 

I called the bank number listed on the welcoming letter and told the customer service bank agent that I did not open the bank account. That it is a fraud. I don't live in that area, since the envelope named the city and state. 

I did not ask how much the account had, since the money is not mine, but I am sure money have to been taken to open the bank account. 

The bank person understood and will further report it and will close the account. And for me to report the fraud to the Federal Trade Commission website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Experian via certified mail that I am requesting the method of verification for the disputed account listed below within 15 days of the date on the letter. Experian has failed to acknowledge my request or to comply with my request in the time allowed. Please see letter attached that was sent to Experian via certified mail on XX/XX/XXXX. 
Disputed Account : XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with 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 Account Number : XXXX Amount : {$600.00} U.S.C 1681 Section 602 A. States I have the right to privacy 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, other than records of convictions of crimes which antedates the report by more than seven years. 


1

5 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 accurate. Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.
Product: Debt collection

This is a formal complaint against LVNV FUNDING LLC located in XXXX, South Carolina. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

The website XXXX offers free credit reports every week from TransUnion, XXXX and XXXX. These 3 companies have blocked me from obtaining my free credit reports from this website and each time I try, they say : We are unable to process your request... please mail your request.. '' Please see the attached files. This has been happening for almost 2 years, that I am unable to obtain my reports from this website.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Amount XXXX Date XX/XX/2016, Says open Tryed to get item removed i have No recalculation of this company or sign any contracted with them
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having issues with my personal information of my credit report not being accurate. The following addresses on my report are not mines. My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. 
Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX My current employer is XXXX XXXX XXXX XXXX XXXX XXXX XXXX name is XXXX XXXX XXXX, Please remove any variations IMMEDIATELY. They are not accurate.
Product: Credit card or prepaid card

I received an email that a Netspend XXXX was opened using my email address. I called the company because I did not open this account. They promptly closed it and advised me to contact the federal trade commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received literature in the mail 2 years ago regarding a line of Credit for {$2500.00} from a company called XXXX. This line of credit was disguised as payday predatory lending. They took a fee of {$400.00} right off the top and only deposited {$2100.00} in my account. From then i was charged bi weekly finance charges plus some money off the bill. i closed the account down after a months because I was falling behind on payments and could n't keep up with the account. This account is now on my Credit Report showing as original Creditor-XXXX XXXX XXXX XXXX XXXX. I am not sure if they are registered with FL or FDIC. they are now being represented by XXXX XXXX. with a balance of {$2900.00}. I have tried to get debt validation on this account a few times but to no avail. Because it has been past 30 days XXXX will not send documents to prove they own the account. I have tried numerous times with Credit Reporting Agency to remove and they will not. XXXX has since updated their agreements and payment terms since i took out original loan. They will not send me a copy of my original contract because they sold off account. Need to get this black mark off my report and save others from this predatory lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items XXXX XXXX XXXX Bankruptcy Case Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : 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.
Product: Checking or savings account

I attempted to make several purchases with a specific merchant using my XXXX XXXX debit card from MoneyLion checking account. The charges were all declined on the merchants end at the time they were attempted. MoneyLion was declined the attempts while also debiting my account. The XXXX attempted charges were all pending on my account. I called MoneyLion and explained the situation and they assured me the charges would not process and would fall off within 24 hours. I asked them to flag the transactions and notify me immediately if they processed and cleared. 
I didnt receive a notification after the conversation and figured the charges fell back to my checking account. Upon looking at my monthly statement I realized that all of the charges did indeed process and the funds totaling {$960.00} debited from my account. 
I disputed each transaction on XX/XX/XXXX. It has been over 10 business days and they have not responded to any of my multiple inquires about an update. MoneyLion declined to process my transactions but debited my account anyway.
Product: Debt collection

I am a victim of identity theft and noticed a collection from Rent recovery solution. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against Rent Recovery Solution in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

i never apllied for credit with these people comenitybank/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they keep running my credit and it shows hard inquirys they are running this without my permission i have contacted and got a remark ohh well live with it
Product: Credit reporting or other personal consumer reports

I have been calling and sent letters to Transunion to remove ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX They are not listening. 

Under this law 15 USC1681b ( a ) ( 2 ). It states everyone needs my consent to report anything to my consumers report. Which I never did.

15 USC 6802 ( b ) ( 1 ) Obligations with respect to disclosures of personal information they must have given me a disclosure prior to reporting my information and I couldve opt out from the companies reporting my info. Which I never did get.
Product: Debt collection

I have never had an account with this company. 
I have never lived at the service address. 
This is not my debt. 
I've explained this in person. 
I've explained this on the phone. 
I have explained this in writing I am still being harassed.
Product: Credit card or prepaid card

On Tuesday XX/XX/XXXX I got onto my Citibank mobile app and there was XXXX fraudulent charges on my account. 3 for the company XXXX XXXX, totaling in {$360.00}, one charge for XXXX totaling in {$150.00}, I disputed the charges in app, card was cancelled and i was sent a new card. Contacted them via Chat and was told it will take 7-10 business days for the charges to be removed from my account. Then on XX/XX/XXXX i get onto my account, there is now another fraudulent pending charge on my account once again for XXXX in the amount of {$54.00}. I call them they tell me that they are trying to charge the old account and I told them i did not make that charge and they said they will make sure it doesn't go through, today XX/XX/XXXX that charge posted to my account, and there is a second pending charge for XXXX for XXXX, I call them again and they state there is nothing they can do about the pending charge but that they would file the dispute for the first XXXX charge, I then contacted them again over the phone and spoke to a manager and they stated that the XXXX XXXX charges were never disputed and that they will start the dispute. I then call them again and they advised me it will take over 2 months for the XXXX XXXX charges to be removed from my account. It is going to damage my credit score and they are not doing anything to help me.
Product: Money transfer, virtual currency, or money service

I tried making disputes on charges the were cancelled and never put back on my account and the would just leave it alone making me frustrated in the process and a bot was talking to me the whole time