23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a new Citibank Basic Banking checking account because there was a {$200.00} promotion detailed at https : XXXX. I initially deposited {$2000.00} into the account. One of the terms of the promotion was : Within 30 days of opening your account deposit {$5000.00} New-to-Citibank funds into the new checking account. 

I wanted to deposit more money into the account, but I did not receive my debit card, and there was no way for me to add funds into the account without the debit card. There was also no way for me to create an online account without the debit card. I called in repeatedly about the fact that I never received the debit card, and was told to wait. I kept waiting, and I never received a debit card until XX/XX/XXXX. I called in and complained and Citi said a dispute would be filed. Apparently, no action was taken as a result of the dispute.
Product: Debt collection

The debt collector has not provided any information on what this debt is. The only documents it has sent was collection bills.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items on my credit report. 

XXXX : XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Experian : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

I am not liable for this debt with opploans.com, I do not have a contract with this collection agency. They didn't provide me with the original contract as I requested
Product: Checking or savings account

I was XXXX  in the XXXX from XX/XX/XXXX to XX/XX/XXXX. During that time my Chime card was stolen and the following charges were made : XX/XX/XXXX : {$4.00} XXXXXXXX XXXX XX/XX/XXXX : {$26.00} XXXX XXXX XX/XX/XXXX : {$14.00} XXXX XXXXXXXX XX/XX/XXXX : {$55.00} XXXX XXXX XX/XX/XXXX : {$83.00} XXXX XXXX XXXX {$180.00} I have requested a credit as these charges were not authorized and the card was stolen. I have provided documentation of my XXXX to Chime which proves these charges were not made by me. I did not authorize anyone else to use my card. The card was reported stolen, and I am no longer in possession of the card. Chime has notified me that that will not provide a credit for theses charges.
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 XXXX XXXX XXXX  XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I am writing to formally dispute the information in my credit report, as I have not provided written consent for you to furnish or obtain my information, nor have I authorized any third parties to request or access my credit file without my explicit written consent. This action appears to be in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, which requires consumer consent for the furnishing or obtaining of consumer information. 
XXXX XXXX XXXX XXXX Description of Inaccuracy : Purchase agreement After reviewing my credit report, I have noticed that certain information has been included or accessed without my knowledge or permission. I would like to clarify that :
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A woman called me on Tuesday, XX/XX/2021 and claimed that there was a sealed Federal Indictment against me. She claimed that I had been contacted by mail already ( of course I had not been ) and that I needed to write down and call a number she was going to give me.

I explained that I was not able to write a number down at that moment, I had not received any complaint in mail and that she must be mistaken as I hung up the phone.

She immediately called back. She was agitated and told me that I was rude to hang up on her. I explained that I was busy and could not write down a number and hung up the phone again.

During one of these insane exchanges I suggested that she call me the following day when I would be in the office. She wanted to know what time to call which I said " this time XXXX about XXXX XXXX should be good. '' Once we ended the call she immediately called right back. 
Between XXXX XXXX and XXXX she called my cell phone 11 times. The phone number showed up as a series of " XXXX 's '' or " Unavailable '' on my phone. ( Of course my original thought was that is was another robo call. ) She told me she would continue to call every 30 seconds until I took and called the number she wanted me to write down.

I was furious at this point. My client wasn't happy that my attention was on this call and not him and his wife. I was trying to be professional and not answer phone but the woman would not allow me to focus on my job and was insistent that I attend to her tantrum. 
Before I continued my meeting, I called the number ( XXXX ) XXXX ( XXXX XXXX XXXX XXXX and gave the gentleman on the phone the case number that the threatening woman had me to write down. These people are harassing me over a Discover Card debt that is well past the Statute of Limitation. The man on the phone made sure I knew that he knew my Social Security Number and the name of the county I lived in. He told me that there would be legal action taken against me that would lead to a lien on me.

During the exchange with the man on the phone he did not tell me the amount that he had hoped to be paid, suggest a settlement or even acknowledge that the debt was indeed decades old.
Product: Mortgage

On XX/XX/XXXX, I closed on a home loan with a broker from this company. 
On XX/XX/XXXX, I reached out the supervisor regarding contact information for the escrow account to start rehab on the home. I elected for a XXXX loan. 

On XX/XX/XXXX, the supervisor replied that he would " find out '' this information. 

To date, this information has not been provided or has any additional feedback been given nor has a timeline on when I might receive the information been provided.
Product: Mortgage

I have an escrow account with Wells Fargo Home Mortgage. The loan was originated in XXXX, XXXX. I received a notice from XXXX XXXX XXXX XXXX that I owe interim school taxes for XXXX school year. In researching the amount of taxes that have been paid out of my escrow account I found out that Wells Fargo has withdrawn in excess of $ XXXX. The school taxes should have been closer to $ XXXX for the entire period that I have been in the house. I contacted XXXX XXXX XXXX to find out what has been paid on our behalf and found out that they have records of only cashing {$16000.00} in checks from Wells Fargo. 

I was told that I need to find out from Wells Fargo the copies and amounts of the checks that were sent to XXXX XXXX XXXX to pay for my school taxes. In reaching out to Wells Fargo they have repeatedly said that they were " investigating '' the funds being removed from my account, but I have yet to receive any form of response from them as to the disposition of my account. I have been trying to get the XXXX issue resolved for over a year ( originally brought to Wells Fargo 's attention in XXXX ) and have been actively engaged in attempting to resolve the escrow discrepancy since XXXX/XXXX/XXXX. 

I expect to receive a full refund of any amounts that were removed from my account and not used to pay school taxes, as well as any accrued interest on those funds from the date that they were pulled out of my account.
Product: Debt collection

I have sent several disputes to SCA collections regarding an inaccurate collection listed on my XXXX  report in the amount of XXXX. I have also sent disputes to XXXX  regarding this inaccurate information listed on my credit file and neither company has been able to produce any proof that this debt actually belongs to me! SCA collections continually ignores any debt validation letters I send and continues to list this unverified inaccurate information on my credit file. I will attach my most recent correspondence as well as the certified letter I sent to SCA collections giving them one final chance to verify and send me the proper information as requested in my letter.
Product: Debt collection

Following a detailed review of my recent credit report, I've identified several accounts that seem incorrect and were added without my knowledge.
Product: Money transfer, virtual currency, or money service

I tried to purchase a puppy through a breeder whose website was cleared by XXXX and ran as an ad on XXXX. I was in contact with the owner and they did all of the routine steps in making sure everything went smooth and was consistent with what you would expect of most breeders. After all paperwork was drawn up, I paid {$2500.00} total using Zelle and XXXX for the dog but after noticing some sketchy services afterwards, I realized that I had been scammed. I then reported the operation to the FTC, FBI, XXXX, XXXX and XXXX. I've tried recovering my funds from XXXX Bank, Zelle and XXXX but they all denied my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXX Balance : {$6800.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$36000.00} XXXX XXXX XXXX XXXX : {$2000.00} XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a balance of XXXX on my card and payed about {$1000.00} something back in the beginning of XXXX and my balance still hasnt updated it says that the company last reported in XXXX. I contacted the company and didnt really give me a answer just said to try and pay the full amount i even showed screenshots of my current balance. I made about two or 3 disputes to XXXX  and it did change once but it went back to saying i still have a balance of XXXX out of XXXX a couple days later. Its already XXXX and it still hasnt changed my current balance that i owe as of today is {$180.00}.
Product: Credit reporting or other personal consumer reports

I was told that this negative item will be remove when paid but its not
Product: Checking or savings account

I would like to file a complaint against Citibank XXXX XXXX XXXX California for misleading advertising by offering {$700.00} credit offer voucher whenever I open a business streamline business checking account at this branch, and making a deposit of {$25000.00} dollars or more and maintaining the balance in this business streamline account for more than 60 days. But I opened my business streamline account on XXXX2021 and deposit on the account more than $ XXXX and since then over 90 days and up-to-date, I still have not yet received the {$700.00} credit voucher as promised. I feel like that I have been cheat and misleading by the bank. I demand for your help and investigation on this matter. Please do advise, I did contact the bank officer several time, left voicemail and sent email but still no answer. I even visited the Citibank Branch yesterday but the branch is closed with the sign posted in front of the window. 
I have all the supporting documents in regard to the credit offer of {$700.00} dollars. 

Thank you very much
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX RE : Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I checked my credit report and I noticed there were inquiries listed that I did not recognize. Dates XX/XX/XXXX to XX/XX/XXXX. I contacted these creditors SYNCB/PAYPAL ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXXXXXX XXXX  XXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX & # XXXX ; XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX. 

who placed the mltiple inquiries, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 
Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your help and assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On   XXXX   XXXX   2017   XXXX   XXXX   XXXX   in  XXXX  GA submitted requests to multiple lenders who pulled my credit report. This created multiple Hard Inquires on my credit report driving my score down even further.
I did not provide written nor verbal authorization for my credit to be investigated, in fact I was in NY at the time. My wife was shopping for a car at the time but she did not/can not authorization of my credit.
I would like the dealer 's credit practices reviewed for compliance to FCRA.
Product: Checking or savings account

Statement of a checking account opened in my name with : Comerica Bank, This is fraudulent, I did not open an account, don't know anything about this bank. 

Also received a letter from XXXX XXXX XXXX XXXX XXXX XXXX of a closure of a deposit account which I never opened and never had any dealings with this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued.

8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Mortgage

My client applied for a FHA pre-foreclosure sale on their property because they could not afford to stay in their home. The were approved to participate in the sale program but right afterwards the servicer foreclosed on the property. I filed a complaint with you and subsequently they rescinded the foreclosure and approved the contract that was submitted. 
As we started the closing process we found the property was not deeded back to the owner after the foreclosure was rescinded. I have been trying to get the foreclosure recission deeded but can not get help from the servicer. Please open an inquiry into this matter so we can complete this sale.
Product: Credit reporting

The Fair Credit Reporting Act entitles each consumer to XXXX free disclosure every XXXX months from each of the major credit reporting agencies, XXXX, Experian and XXXX. In XX/XX/XXXX I requested a copy of my free credit reports from XXXX, Experian and XXXX XXXX. I only received the credit report from XXXX. 
I attempted today, XX/XX/XXXX, to request a credit report from XXXX for my Experian and XXXX XXXX reports and received the message that I 'd already received my free credit report for the year. When contacting XXXX XXXX XXXX and the XXXX ( XXXX ) agencies mentioned above by phone, there are no options to suit my current situation. Thus requiring a letter be sent instead. However, neither XXXX or Experian list an address suitable to my situation leaving me to choose XXXX that may be incorrect.
Product: Debt collection

This all started when I got a collection notice from XXXX XXXX XXXX XXXX about a Paypal debt of {$1200.00}. I don't have a Paypal account or use Paypal. I submitted a CFPB Complaint about this collection agency. In response to the complaint they said they are working on behalf of Paypal , Inc and that it is possible that I am a victim of of fraud or identity theft, they said they would cease all collection activity. The advised me to call Paypal to address the concerns of identity theft. I called Paypal on XX/XX/22, I gave them the account number on the collection notice and they said they opened an investigation ticket # PT - XXXX and said it would take ten days. I called back on XX/XX/22 the representative said the ticket was done incorrectly and closed, the representative said a supervisor would have call me back, I gave them my phone number, but no one ever called me back. I am concerned about someone creating and using an account in using my name and address. Paypal is being very irresponsible with this issue. The account and debt are not mine and Paypal needs to do something about this fraud.
Product: Payday loan, title loan, or personal loan

Cash Net USA drafted my payment on the wrong day so that the could charge me an NSF fee. I get paid bi-weekly on Thursdays and they drafted my bank on Wednesday on purpose in order to collect a {$32.00} NSF fee. I have called and spoke with reps and I have sent multiple e-mails telling them to correct the issue.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I received an email from XXXX on XX/XX/23 regarding an attempt to collect a debt from me for a XXXX Credit Card account. I do have an account with XXXX but knew it was current. I immediately checked my account and my credit report. My account details do not match the account information provided by TSI. This is a fraudulent attempt to collect money from someone when I have nothing in collections. This company has a HORRIBLE reputation from scamming individuals and I will not fall victim.
Product: Debt collection

I recently reviewed my credit file and found multiple accounts that appear to have been added without my consent. Please remove these accounts from my report as soon as possible.