23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

After finding out our local grocery store XXXX XXXX in XXXX XXXX found card XXXX in each of their stores, Dates of theft began in XXXX thru till we had the cards replaced in XXXX, after looking into our accounts both joint and my wife 's and found charges we never made, there was even a big one at a restaurant we never knew existed, I even met with the manager there and he searched to their data base and did not find my wife 's card using the last XXXX digits anywhere dating from XX/XX/XXXX thru XX/XX/XXXX, nowhere in ether of their locations in XXXX Ohio, XXXX Ohio or XXXX MI. that charge was for {$51.00} and still twice PNC denied the disputes claiming Historical pattern of use, the restaurant XXXX XXXX has been open less than a year per the manager, We never heard of it. I even supplied the managers name and number, and the XXXX XXXX XXXX detectives name and number they refused to call them and told me to do my own investigation, I havw tried calling Apples corporate office and I get a accountant that tells me he does not have the corporate number or the names of the corporate officers. PNC claims the cards with Chips. and a skimmer can get the cards info with software called SHIMMING, According to XXXX and the FTC. I have been with this back since XXXX when it was National City now after 50 years WE are beinbg treated as thieves. I the money returned, PNC has refused to do a complete investigation, by telling me to do my own.
Product: Debt collection

This company continues to call my cell phone and work phone, trying to collect a debt that was wrongfully submitted to collections. The debt has been resolved with the original medical provider. However, this company, Frost Arnett, continues to contact me trying to collect a debt they are not owed.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Debt collection

Accounts Portfolio Recovery Associates Claim I Owe : # XXXX # XXXX I have been engaged in an exhaustive dispute with Portfolio Recovery Associates since XX/XX/XXXX regarding the accounts Portfolio Recovery Associates asserts I owe. With each dispute, I have consistently requested detailed information pertaining to my alleged connection to these debts. Regrettably, the insubstantial and inadequate information provided thus far has failed to establish the validity of the debts Portfolio Recovery Associates claims are mine. Consequently, I emphatically dispute the authenticity of all the debts Portfolio Recovery Associates has asserted. 

It is distressing to note that Portfolio Recovery Associates has repeatedly reported false and inaccurate information in addition to the absence of compelling evidence. This deliberate violation not only breaches the requirements of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) but also disregards the obligations outlined by the XXXX XXXX  requirements and the Truth in Lending Act ( TILA ). 

On Saturday, XX/XX/XXXX, I dispatched a letter via USPS Certified Mail explicitly refusing to make any payments towards the alleged debts. Moreover, I declared the closure of all associated accounts and demanded an immediate cessation of all communication unless it is solely for the purpose of confirming the closure of the accounts Portfolio Recovery Associates claim I owe. 

Due to the inability to verify the authenticity of these accounts based on the documents received thus far, I firmly believe that they may be the result of identity theft or mixed files. This deeply concerns me and further underscores the gravity of this situation.

As a reference, I have attached a copy of the aforementioned letter and the USPS Certified Mail tracking information : Tracking # XXXX. 

It is imperative that Portfolio Recovery Associates comprehend the extent of my frustration and dissatisfaction with the violations that have occurred. I insist that Portfolio Recovery Associates rectify this matter with utmost urgency, and adhere to the laws governing credit reporting and debt collection practices. Failure to comply with these legal and ethical obligations may lead to further action to protect my rights and seek appropriate remedies. 

I expect prompt attention to this matter and anticipate a swift resolution. Please acknowledge the receipt of this letter and communicate the proposed course of action within a reasonable timeframe.
Product: Checking or savings account

My husband received an email from a financial institution with whom we have an account asking for him to contact them on XX/XX/23. We called on XX/XX/23 and learned that someone had tried to withdraw {$1000.00} from this account to an account under my name from Citizens Bank. I do not have any accounts from Citizens. We closed the account from the financial institution that the bad actor had tried to withdraw the money from.

Today I received a letter in the mail from Citizens Bank that confirmed that I ( not really me ) opted out of debit card overdraft coverage for ATM and everyday debit card transactions. It listed the last 4 numbers of my account on the letter and had a phone number for Citizens Bank to call with inquiries. I called and spoke with a fraud specialist. He was able to report the fraud and stop the debit card privileges. He said that the accounts were just opened last week and that there was a {$20.00} balance in 2 accounts with my personal information, including my email, home address, and SSN. 
In addition, in my XXXX XXXX banking credit card app, there was a " dark web alert '' dated XX/XX/23 that said my email address was compromised and my passwaord was exposed. I have since changed my password.
Product: Credit reporting, credit repair services, or other personal consumer reports

Three of my credit reports ( Transunion, XXXX and XXXX ) are reporting invalid information as it relates to an installment account I had with XXXX XXXX XXXX  XXXX. All of my payments were made on time and I was able to document this with XXXX XXXX as I made all payments utilizing online bill payment through my bank, XXXX. Once I provided XXXX XXXX  with the documentation from my bank showing payments were made on time they agreed to correct the incorrect information on my credit reports showing late payments. Years have now gone by and the derogatory information still remains. I have opened up disputes directly with all three credit reporting agencies and submitted the same documentation to them. After concluding their investigation they determined the dispute is not valid and have not corrected my credit reports. I even provided a copy of the emails from XXXX XXXX  where they acknowledged that my payments were not late and they would correct the incorrect information on my credit reports. I have exhausted all of my options and completed my due diligence on this issue. I now request the CFPB investigate this issue. Thank-you.
Product: Checking or savings account

I sold my truck and deposited the check ( XX/XX/XXXX ) into my checking account ( under 2000 ) When I called the bank ( XX/XX/XXXX ) about not having the XXXX they promised at time f deposit available by the second day I was told they were closing my account and holding any other deposits which came into the account ( including my son 's SSI ). Even though they have spoken to the other bank and were told the account was good and the money was available and that the check would be honored and the bank verified her contact information which is printed on the check as being valid Chase will not accept that. They informed me that even though the check will clear they are still freezing my account, holding all deposits including the check and direct deposits simply because her phone number is not listed under her name. This is a common thing, my phone number is listed under my husbands name. I do not see how they can hold money which has nothing to do with the check in question and to close my account even if the check clears and make me wait up to six months to receive a check from them which I am then supposed to deposit where? I have children to care for including my XXXX XXXX son which his money is one of the things they are threatening to hold. I also have a car payment and we have this annoying habbit of needing to buy food to eat in order to stay alive. They are making it impossible to do this because her working phone is listed in someone else 's name? I do not see how this is legal. From all the research I have done they are supposed to release it within two business days but certainly not more than 7. They do not disclose that they will close your account and freeze all money if you deposit a perfectly good check if the person in question does not have a phone in their name. Again the check has her phone number printed on it and her bank has verified every possible question given to them. I understand holding the check until it clears but to hold everything else and close my account when I just set up two direct deposits is beyond belief and not standard practice. I spoke to 4 different people at chase and two people at the other parties bank in an attempt to resolve this issue this morning. I have to wonder if this issue is an attempt to not pay me the new account bonus. I can not figure out another reason why a perfectly good check which was verified by the issuing bank would cause these problems and that even if the check clears they will not honor it as good.
Product: Checking or savings account

On or about XX/XX/2023 I had made a deposit in the form of a cashiers check into my checking account with Chase Bank in the amount of XXXX, the cashiers check was made out to an estate and not myself. Due to geographical issues it was just easier for me to make the deposit into my personal checking account, as the funds were being given to me anyways. Prior to makeing the deposit I had asked the teller weather or not it would be acceptable to just sign the check over to myself and deposit it into my account ( as I had the authority to do so being the executor of the estate ). The teller and branch manager had assured me that there would be no problem because I could prove that I had dominion over the funds and that they belonged to me. After making the deposit I had learned the next morning that my account had been put on a restriction and is now in the process of being closed due to suspicious activity. They will not release the funds to me and keep sending me on pointleess tasks.
Product: Credit card or prepaid card

Someone tried to open an account in my name from Macys credit card!! I spoke with a XXXX specialist and they informed me to complete this!
Product: Credit card

To Whom It May Concern : The following inquiries were not authorized by me, please delete them. Never having given my permission for them to inquire about my credit status, they are unauthorized by me. Their continued presence on my credit report constitutes inaccurate information, which under the Fair Credit Reporting Act, must be removed. 

XXXX XXXX XXXXXX/XX/year> Furthermore, I would appreciate the names, addresses, and phone numbers of these companies so I may follow up. 

Your immediate attention to is matter is greatly appreciated. Sincerely,
Product: Credit card

On XX/XX/year>, at approximately XXXX XXXX., I went to Kohl 's department store to purchase clothing. At the register, I encountered a cashier that has previously helped me. At the beginning of the transaction, she did the obligatory ask " will you be using your Kohl 's card today? '' To which I replied, " no. '' When she asked if I would like to sign up for one, I again said, " No, thank you. '' But that wasn't the end of it. She asked me three other times before allowing me to check out. She even required me to look at her screen to see the savings I would get if I signed up that day. I said, " No, thank you '' four times. When handing me my receipt, she then told me when I come back in I will " have that card. '' This is predatory. I am a XXXX XXXX XXXX woman whose very sharp-minded, but an elderly or young person might not be able to see past the predatory request. Further, her comments made it sound like other forms of payment would NOT be accepted ( which sounds like ANOTHER FEDERAL AGENCY issue ). The bureau needs to get a handle on this. When I posted the matter in the local XXXX XXXX, a woman mentioned she saw an elderly woman at Kohl 's the day before told that she was required to sign up for the credit card. 
I tried talking to the manager on shift about the issue immediately after it happened. I told her it was predatory and offensive that the cashier would not take " no '' for an answer. She rudely told me this was a " corporate directive '' to make sure everyone signs up for the credit card and they would make no changes. 
I returned each item I purchased and left.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt was reported to the credit bureaus. I 've attempted to resolve with the original creditor or credit agency. I 've kept close documentation and records of my communication and attempts to resolve the issue. I also filed a police report due to identy theft and some proven fraud accounts. The creditors, bureau agencies. Have stated the accounts were verified but have failed to send me and proof of validation, no proof of original signature showing my contractual obligations to the debt or accounts. The refuse to send me validation or any information regarding the accounts. The violated the law by not reporting the accounts disputed on my credit reports within the  XXXX  day time frame. Also the information listed is either inaccurate, unverifiable, fraudulent or unfair. They did n't follow metro  XXXX  compliance when reporting the accounts. Some Numbers and addresses are invorrect or incomplete. I want to be held accountable for accounts that are actually mine and correctly reporting.
Product: Money transfer, virtual currency, or money service

This company is holding on to money I received for XXXX XXXX XXXX I provided. They are holding my money for an unexplained reason and undisclosed amount of time. When I spoke to a representative they advised it could possibly be related to identity verification but they are unsure of the exact reason. I asked the representative to provide a copy or location of their identity verification policy and the representative hung up on me. I tried using the chat and eventually the representative become unresponsive. I want my money ASAP. You cant just steal my money I will be fine evicted as a result of this and forced to close my business.
Product: Prepaid card

My check was stolen in the year of XXXX XXXX I was in XXXX In XXXXXXXX XXXX when it was stolen my payee at the time wss XXXX XXXX
Product: Mortgage

In XX/XX/XXXX, I refinance my home mortgage loan with Dovenmuehle Mortgage , Inc . I paid all closing costs ( including a full amount of homeowners insurance policy premium ). The closing documents stated that my monthly mortgage payment was going to be {$2200.00} ( including Principal, Interest, and Escrow ). 

I have been paying the monthly payments on time and in full every month. In XX/XX/XXXX, it was time for my homeowners insurance policy renewal, which Dovenmuehle Mortgage , Inc was in charge of paying since they already hold my full amount paid in advance at closing ( and they have been collecting monthly contribution to escrow to account for the XXXX HOI renewal ). 

I received a letter in the mail from my insurance provider stating that they have not received the payment for renewal and that my policy would be lapsed if they don't receive the payment on by the courtesy extension date. After numerous calls to Dovenmuehle Mortgage, Inc ( worst ) customer service lines, they advise me to pay for the policy renewal out of pocket to avoid lapsing my insurance and that they would reimburse me. I paid it out of pocket, and after a few more months, and many more calls, and explanation of the situation to various customer service agents, and getting my mortgage broker involved, they send me a reimbursement check. 

After that, they adjust my monthly mortgage total payment amount by {$100.00} to adjust for what they claim to be a shortage in my escrow account of a total = {$1200.00} for not having enough funds to cover for my insurance policy renewal. I email, call, ask for supervisors, and explain many times. I got my mortgage broker and his brokerage involved and had them email Dovenmuehle Mortgage, Inc and explain there's not supposed to be any shortage since I paid OUT OF POCKET, AND AT CLOSING, AND HAVE BEEN MAKING ON-TIME PAYMENTS! NOTHING!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion : This letter is a formal request to remove unauthorized inquiries from my credit report. I 've listed the unauthorized inquiries below. Also a result of the current breach, I believe my information has been compromised. Please remove the following inquiries from my credit report. Creditor : XXXX XXXX/XXXX/XXXX : XXXX  XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. Please note that before making this request, I sent letters to the organizations responsible for these unauthorized inquires asking them to remove their inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter. In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation. Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at ( XXXX ) XXXX-XXXX. Sincerely, XXXX XXXX SSN XXXX DOB XXXX/XXXX/XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX my final payment was supposed to have been submitted I wanted to pay my last last payment because I had no correspondence with them for this hold year of XXXX and when I looked at my statement it had a balance of XXXX. I called them immediately gave the represented my new address and information found out that if they didn't even put it in the listing. I wanted to an explanation as to why my balance was so high after fulfilling the obligation of my contract I had XXXX  hey XXXX and I explained to them that I would not be able to work until I'm ready to go back to work and they said it would be okay so they read they had Rewritten my contract because during the covid process they said it would be any fees or no interest charge everything would be the same but apparently not and as of XXXX of XXXX I had made Seven payments and not one of them was deducted from my balance and I have the documents to show that. So would I talk to the representative he was telling me {$100.00} was going to the balance and the rest was going for the interest and fees but I didn't see that nowhere in the statements so I told them to send me a verification letter to show me the charges that they had supposedly had been charged me with and he sends me a statement instead of the actual breakdown of these charges that I have so called a crew and then looking back at the contract the contract was from XX/XX/XXXX to XX/XX/XXXX which didn't make sense to me either because they were still ask for money after XXXX and so I waited for them to get back in touch with me they never to get back in touch with me cuz they said they was going to call me back to conclude the differences and they was going to show me the charges but they never did they didn't contact me at all from XXXX till now and the next thing I know my car was repossessed on XX/XX/XXXX now I've been charged every day that car is in there until something is done this is not right and this is how they do their their they're paying customers without any notification of a letter statement they got my email address and home address no corresponders whatsoever so we could have probably worked them out but I'm a senior citizen and I use my car that's my employment and I wanted something to be done about this
Product: Payday loan, title loan, personal loan, or advance loan

This loan is part of a predatory lending scheme. Which allows loan companies to evade Arizona interest rate laws. This loan company does not disclose this in writing that they are using another bank thus a high interest rate that is impossible to pay off.This company is currently violating the Truth in lending act and the Dodd- Frank Wall Street reform and Consumer Protection Act. 

*Deceiving consumers about loan payments that were not owed. 
*Failing to disclose the real cost of credit The rent a bank scheme allows this company to continuously hide and evade Arizona law ( A.R.S 6-632,6-635 ) and prey on veterans, seniors and not other unsuspecting borrowers continuously trapping into a continuous cycle of debt. 

I do not owe this debt as this company needs to be investigating as a many lawsuits were previously filed. 


I am asking the CFPB to investigate and remove this loan from my credit reports XXXX, XXXX and, XXXX as this is illegal and to date is questionable in court as the FCRA by law protects consumers from illegal loans being reported on a credit report.
Product: Credit card

Upon reviewing my credit report, I have identified the unauthorized account that have negatively impacted my creditworthiness. I really disappointed, who are you to know if Ive been a victim or not? You have XXXX authority or legal position to make this claim. I strongly believe that this account is the result of identity theft and require immediate attention and resolution. I want to clarify that I have not initiated or authorized this account in any way. This account has been fraudulently opened without my consent or knowledge. To address this issue, I have taken the necessary steps to report the suspected identity theft to the relevant authorities, including filing a reports. I have also attached a copy of the Identity Theft Report filed with the FTC for your reference. 

I kindly request that you conduct a thorough investigation into the validity of this account and take the appropriate actions to remove them from my credit report as they are not the result of any legitimate transaction or credit application made by me. 

This is the specific account in question : AMERICAN EXPRESS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent in letters to XXXX to have 8 accounts and removed from my credit report because they were reporting falsely, and those actions were not made by me. no action has been taken sense then on XX/XX/2022 I sent in a 30 day comply and yet again nothing has happened. On XX/XX/2022 I sent in letters to XXXX to have 6 accounts removed. I also sent letters to Experian XX/XX/2022 to have 5 accounts removed from my credit report because they were reporting falsely, and those actions were not made by me. no action has been taken sense then on XX/XX/2022 I sent in a 30 day comply and yet again nothing has happened.