23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

IC Systems called about 3 months ago saying I had a collection out for an XXXX XXXX XXXX account I had opened in XXXX XXXX. The calls happened in XXXX and I had no previous notifications about outstanding debts ( i am very good about managing debt ). Naturally, I drove to XXXX XXXX XXXX to resolve whatever was on my account, but they had no recollection of any outstanding balances with them, nor could they trace the amount I was told I owed. I also asked them if they use small, family owned debt collection companies out of Minnesota, like IC Systems. They said no, they go through large, verified companies that collect debt and give ample time to take care of any debts and give several notifications before sending to collections, which was not done. They said I had partaken in a scam transaction for {$84.00} and some change. I immediately went to my bank and cancelled my card and reported a dispute for fraud on my account. 

It has been 2 months since this took place and today XXXX/XXXX/XXXX I get another call from IC systems in another state and city, with a different number and no voicemail left. From the first run in with them I knew they could n't have any credible information on me so I called back and told the man who picked up the phone that they are a scam and I am reporting them to the FBI and the BBB. He tried to tell me that they are a real company but I hung up. Several XXXX searches proved that IT IS A SCAM COMPANY. Some said it is a scam group posing as IC systems trying to get you to make payments over the phone, others said it was actually IC systems and they were scamming people. I am tired of the scares about collections and they need to be taken down.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The Account below violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 This vehicle was repossessed by XXXX XXXX XXXX in the State of CALIFONIA on or about, XX/XX/2015, and resold. 

Under the laws of the State of CALIFONIA UCC 2983.2 and State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. 

XXXX XXXX XXXX Account number XXXX
Product: Bank account or service

Hi, I received an email coupon to get {$300.00} from PNC to open a checking account. I visited PNC 's pop-up branch located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX. A representative name XXXX XXXX helped me open the account and explained me the deposit requirements and benefits related to opening the account. After few days I receive a letter with Reference # XXXX from PNC dated XXXX XXXX, that my application for PNC Cash Builder Visa credit card was not approved. This was surprising for me as I never applied for any credit card and the representative never asked me if I would like to apply for credit card as well. I called up the customer service immediately to notify them. But they told me I will have to contact the representative or call at XXXX. I called up this number but no one picked the call and it did n't even went to voicemail. So, I visited the pop-up branch again but PNC have different representative based on days. So I decided to go their main branch XXXX XXXX, XXXX, NC XXXX. I explained my whole situation and the representative told me that they will follow up with XXXX XXXX and request the bureau to remove the credit inquiry and also train their representatives better. I called up few days later at XXXX XXXX branch again to follow up and a representative, XXXX XXXX tried to discourage me and told in order to remove the inquiry I have to send an email explaining the whole situation and it would take 90 days to make any decision and decision might not be favorable. He further tried to sell me a secured credit card. I clearly told him I do n't want a credit card and would like to get this incorrect inquiry removed from my credit report. 
I seriously feel PNC should train their representative better and should be transparent with customers. It has been really terrible experience gettign transferred from customer service to the pop-up branch to branch and then agian to branch. Each time a representative tell a different thing or try to sell PNC product.
Product: Mortgage

My mother was diagnosed with a XXXX XXXX. She owned a home and until she became sick, she paid on time every month. She had to be placed in a XXXX but had intentions of returning to the home. I, her son, contacted Wells Fargo who holds the mortgage to tell them the circumstances and got in touch with their home preservation department, specifically, agent XXXX XXXX. For over a year I submitted all the documentation they required, made phone call after phone call and was told the loan mod was approved. I was to wait to receive paperwork and sign the papers with a local notary. This process went on for a year and half. I would call, and I have the vast majority of these calls recorded. During the final steps of the loan mod, after a year and a half, my mom passed away. I immediately called wells fargo to see what we ndo now. I had a transfer upon death deed made to me by my mom. I sent all the information to wells fargo. Wells fargo refused to talk to me from that point on saying I was not authorized, even though I was authorized for a year and a half. I happen to look online and as of 4 days ago, wells fargo submitted a petition of foreclosure through the court. I have asked Wells Fargo for over a yaer and half who to pay, how much to pay, when to pay and was told hold off, hold off. Now the home is in foreclosure???
Product: Credit card or prepaid card

I was at a bar in XXXX where a gentleman offered me a free beer. They then told me a woman I was speaking to at the bar was an entertainer and I owed XXXX euros for her service, none of which was agreed to. Initially the charge came through as fraud and declined but when none of my cards were going through due to fraud a man took my passport and wallet and phone and threatened me with physical violence. If I didnt pay I would get hurt. They forged my signature. Chase initially reported it as fraud and gave me a new card then changed it to a dispute and denied the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed some unverified and unauthorized report on my credit Ive listed each item and date below Ive made previous complaints and disputes and these items and according to FCRA these unverified and unauthorized items must be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have been fighting the validity of said late payments on an account from XXXX XXXX- XXXX. # XXXX As well as a late payment that XXXX XXXX reporting XXXX # XXXX I have been going back and forth without any proof coming from furnishers of this inaccurate information nor any credit reporting agency listed below ; XXXX, Equifax, XXXX. I also have an XXXX XXXX XXXX XXXX account as well as XXXX XXXX account that are furnishing inaccurate information. I do not owe a debt to either of the institutions. And have begged and pleaded for the information to be made accurate in terms of my credit report. I am still demanding that I receive PROOF that I, XXXX XXXX have in fact contracted and with these institutions and owe a debt. I am demanding that XXXX XXXX be deleted from my credit profile as well as XXXX XXXX XXXX XXXX. And that the said late payments are updated to reflect fact, and accurate reporting. I HAVE NOT MISSED ANY PAYMENTS. So, Remove any Late Payment from my credit profile immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen to create the XXXX XXXX account. The day the account was initiated I received a call from an XXXX number telling me they were from my XXXX fraud department, that someone had tried to use my debit for a transaction in XXXX, and that they stopped the transaction and my card would be canceled. They also said not to utilize my online banking system for XXXX hours. That evening I also received an email alert from a paid credit monitoring service alerting me that there was an account opened using my personal information. They provided the contact information for the company ( XXXX XXXX ) that extended the loan. I checked my bank account the following day before I called the XXXX XXXX company and found large sums of money had been moved from my savings to my checking account and payment had been sent to this XXXX XXXX company. I immediately called my bank to freeze my accounts, then proceeded to call XXXX XXXX to let them know I did not authorize or request money or a line of credit with them. They said they would open an investigation. I requested a copy of the contract and asked how they verified the identity to open the account. They sent me a copy of the agreement but there was no identification verification used and they used an electronic signature. They told me their investigation determined the account was legitimate although I never used or received a dime from them. I filed a police report with XXXX Police Department detailing the identity theft and the fraudulent account. I closed my bank accounts because somehow this XXXX XXXX company had accessed my checking account and social security number. The police report was inconclusive and the case was eventually closed with the explanation that internet fraud and identity theft are most often hard to prosecute because the perpetrators are elusive.
Product: Checking or savings account

On XX/XX/XXXX I deposited a check for approx $ XXXXinto the ATM, this check was from an out of state client and was drawn on another bank. Much to my surprise, I was granted full access to the funds which was a Saturday. I waited until Monday, XX/XX/XXXX to go to the bank and made sure the funds were truly available. The teller said it was available, all of it, I proceeded to take out {$2500.00} of the available balance in cash and went to another bank ( XXXX XXXX XXXX ) and deposited it into a said account that was the client 's sub-account. Later that day alarm bells were going off at Wells Fargo saying the check was being returned and I was out my {$2500.00}. That check should have had a hold of at least 2-3 business days to clear and not made available to me, the bank customer. This has caused me great distress. The client has not been able to be reached as there as out of the country for several months. At this point, nothing has been done by Wells Fargo to make this right. I have filed a Police Report with my Local Police force. They also agree the bank is at fault. The Wells Fargo Branch is known as the XXXX XXXX Branch in XXXX Md. I have attached the check in question and the deposit slips I received My contact there is : XXXX XXXX Assistant Vice President Branch Manager XXXX XXXX Maryland Wells Fargo Bank | XXXX XXXX XXXX | XXXX, MD XXXX XXXX XXXX Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. My personal information was used to open an auto loan with XXXX XXXX XXXX : XXXX on XXXX account is fraudulent and is a misrepresentation. I have also been notified that my personal information was used to get medical care on XX/XX/2019 with XXXX XXXX XXXX XXXX. These items are appearing on my Experian credit report # XXXX. I have filed a report with the FTC # XXXX. I have also included pictures of the fraud from my Experian credit report as well as identity verification information such as my social security card and my driver 's license in accordance with the FCRA.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, have been a victim of identity theft and affected by the Louisiana Data XXXX  for the state of Louisiana that went global and impacted all Louisiana residents, including me. I have no account with the company " XXXX XXXX XXXX, '' and the inquiry results from being a victim of identity theft. I included my FTC Report to reflect my current credit report more accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$240.00} XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX Balance XXXX {$940.00} XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Diversified Consultants. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
Product: Credit reporting or other personal consumer reports

In the course of reviewing my credit report, I spotted some inaccurate and fraudulent accounts that need reporting and correction through your company.

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX XXXX with XXXX dollar balance dated in XX/XX/2011 should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, and Experian, even after attempts of removal with credit repair company on my behalf. It also appears on XXXX  with the date of XX/XX/2011.
Product: Debt collection

To Whom It May Concern, I am writing to file a formal complaint regarding XXXX XXXX XXXX, XXXXXXXX XXXX attempts to collect a debt associated with a XXXX XXXX XXXX credit card account that was fraudulently taken out in my name. This account was not opened by me but by someone else who stole my identity. The fraudulent activity has been reported to the Federal Trade Commission ( FTC ), and I have taken all necessary steps to document the identity theft and protect my credit.

Despite my efforts, XXXX XXXX XXXX, XXXX continues to pursue collection of this fraudulent debt, causing undue stress and further damaging my credit. Additionally, this account and related collection efforts continue to appear on my credit reports with Experian, XXXX, and XXXX, negatively impacting my credit score and financial well-being.

I am requesting that the Consumer Financial Protection Bureau intervene in this matter to : 1. Ensure that XXXX XXXX XXXX, XXXX ceases all collection activities related to the fraudulent XXXX  XXXX XXXX card account immediately. 


2. Have the erroneous information regarding this account removed from my credit reports with all three credit bureaus.

3. Prevent any future attempts to collect this fraudulent debt, as I am not liable for it.

Please let me know if additional documentation is needed to support my complaint, such as the FTC identity theft report or correspondence regarding the fraudulent account. I look forward to your assistance in resolving this matter and restoring my credit to its accurate and rightful status.

Thank you for your attention to this urgent issue.
Product: Checking or savings account

Wells Fargo XXXX XXXX Account # XXXX XX/XX/22 CASHED CHECK # XXXX {$3900.00} XX/XX/22 CASHED CHECK # XXXX {$2900.00} XX/XX/22 CASHED CHECK # XXXX {$2400.00} XX/XX/22 CASHED CHECK # XXXX {$3800.00} All Four Checks were Fraudulent. The signature on each was identical, and check number match old check numbers all deposited. The fraud was discovered by company XXXX during our regular reconciliation of accounts. A fraud claim was submitted to Wells Fargo XXXX and denied XXXX.
Product: Debt collection

I contacted the debt collector company and XXXX  XXXX to state this acct XXXX opened on XX/XX/2023 from the debt buyer with a total {$1800.00} past due as of XX/XX/2023. This charge was identity theft and they will not remove it. Theese are the companies below that it was reported to. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Compliance Department XXXX  XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  I did not authorize this company to pull my credit report.
Product: Credit card

Up to XX/XX/2023 I have been on time with my payments. I had an unexpected emergency expense and wasn't able to make my monthly payments. Now, Comenity Bank is calling nonstop harassing me. I had already contacted the XXXX XXXX XXXX and they are going to work with my creditors. I have told Comenity this over and over and they still call and harasse me. I even told them, " cease and desist all communications with me immediately '' and they continue to harasse me. I want it to stop.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022 I sent a letter to you disputing a bankruptcy that does not belong to me. For the 2nd and final time, I'm filing another complaint for a bankruptcy that does not belong to me, that is showing on my credit report. I contacted XXXX ( the consumer agency with whom you get this information from ) and asked them to verify the accuracy of the information that you are showing on my credit report They responded and verified that the disputed information was inaccurate as reported and that it is no longer on my consumer file. I have attached a copy of the letter and copy from the page from my XXXX report showing there is not bankruptcy. PLEASE REVIEW. I am asking for XXXX for the last time to remove the bankruptcy off my credit report within 15 days and all fraudulent tradelines showing on my report that is listed they are under bankruptcy. As I am a litigious consumer, I trust that XXXX will correct the issues I have brought to their attention and remove expeditiously. Let me clarify what I am asking is to remove a bankruptcy that does not belong to me and remove all subsequent fraudulent tradelines from my credit report that show a bankruptcy attached to them. Again please see the two items I have attached as documentation that show XXXX does not show a bankruptcy on their consumer report. If this time the bankruptcy is not removed from my credit file I, will most definitely file a lawsuit in small claims court for violations of the Federal Credit Reporting Act for compensation for the failure to remove this erroneous information. If my attachments isn't good enough I highly suggest you do your due diligence and contact XXXX for proof. I will not wait 30 days for you to investigate as I have given you 30 days back in XXXX of 2022. You have 15 days to correct this problem.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX Balance : {$0.00}