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

I contacted Freedom Debt Relief, via chat on XX/XX/2020, to change the debit date on my account. This was not followed through with and my bank account was debited 2 times for {$240.00}. When I contacted them to correct error, they stated it could take 4 to 7 days to fix error. Provided them with copy of bank account and bank email transaction regarding debits to my bank. Requested copy of chats with XXXX on original request and the statement that he had taken care of it. They stated they would not provide copy of chat due to it being an internal communicaition. Contacted company again on XX/XX/2020 regarding issue and was basically told they would not fix it for 4 to 7 days or I could provide copy of bank statement which I did. They admitted they made a mistake but failed to correct error in a timely manner and caused bank to charge overdraft and funds not to be available during a critical time. Myself and my family have been dealing with covid for the last month, needed these funds and I explained this to them, they were insensitive to our issue.
Product: Checking or savings account

On XX/XX/year>, I logged in to my checking account and was surprised that an amount of " {$16000.00} '' was withdrawn and has a description of " BUY OFFICIAL CHECK # XXXX ''. The transaction is still pending but the amount has already been deducted from my account. 

I contacted Wells Fargo immediately to report the fraudulent activity and was given an option to file a claim and I have the claim number. I was assisted by " XXXX XXXX ''. After submitting a claim, I called again because I was so worried that the rest of the money that will be withdrawn. With the 2nd call, I was able to close the account and I was given a new account with the help of XXXX XXXX. He claimed that all of my information and money are now transferred to my new account. 

As of today, XX/XX/year>, I logged in to my account again to check the new account. I clicked the pending " {$16000.00} '' in hopes to see any update on the transaction. After clicking, I immediately noticed the change of transaction description. It was " BUY OFFICIAL CHECK # XXXX '' when it's still under the closed account, then it became " WITHDRAWAL MADE IN A BRANCH/STORE ''. 

I'm extremely upset because I thought there is an immediate hold with the cashier 's check but then it immediately shown as " withdrawal made in a branch/store '' Please help because I feel helpless in this situation and the money that was taken away is needed for our bills and it's just taken away like that. 

I can not understand how it is easy for Wells Fargo bank to release a cashier 's check with that big of amount without any alert/notification from the owner 's account while when we attempt to spend on something using the bank, they require multiple security validations. 

Any advice is appreciated and my husband and I plan to file a police report and go to a Wells Fargo branch hoping that someone can assist us.
Product: Debt collection

XXXX XXXX I recently obtained a copy of my credit report and you are currently reporting the debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service, and procedures given including fees associated. 
Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( XXXX XXXX XXXX  # XXXX ) to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you Cease any credit bureau reporting until the debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
I have yet get any response from them.More over this account has been reported with unknown address that I never leaved at and don't know anyone from there.

HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. 
There for this account needs to be deleted immediately from my credit report ( XXXX XXXX XXXX  # XXXX )
Product: Money transfer, virtual currency, or money service

Sent {$72.00} on XX/XX/2019 for. XXXX tickets to XXXX XXXX from XXXX and did not receive. And did not receive tickets or refund
Product: Credit reporting or other personal consumer reports

I discovered several inaccuracies on my credit report, which I believe are the result of identity theft. Upon reviewing my credit report, I identified multiple unauthorized accounts that are in violation of Metro 2 compliance guidelines and the Fair Credit Reporting Act ( FCRA ). These accounts have negatively impacted my creditworthiness and financial opportunities.
Product: Prepaid card

I've had major trouble using these cards in the past, but decided to try again using XXXX of these cards. It is an American Express XXXX XXXX XXXX, prepaid. I wanted to purchase something online that was time-sensitive, but in order for the merchant to accept AMEX cards XXXX you are forced to input the card into either XXXX or XXXX. Well, I tried XXXX. Multiple times. It gets declined every time and charges a {$0.00} charge onto the card which I hope gets refunded at some point. At the time of writing this, the total amount was {$490.00} because of these issues. 

American Express claims these cards can be used everywhere, just like a regular credit card. Well, I wasn't able to use the card because of all the declining, so I had to use my own personal credit card because it was time sensitive. 

For reference, the total amount for the transaction would have been {$170.00} total, and this card has {$500.00}. Plenty of money on the card but I wasn't even able to get that far. 

In my opinion, American Express does not want the card holder to use this card with small businesses, they make it extremely difficult and in this case- impossible. They would rather see it spent in a big box store or giant corporation. It's my money, and I'd like to use it however I want.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX. XXXX, XXXX0, XXXX XXXX, XXXXXXXX XXXX  add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX the XXXX I faxed the Fraud department a copy of my FTC identity theft report. I asked to have this account removed because the account is fraudulent. 

I also sent a Identity theft report to the Credit Bureaus to have the block the account from reporting. The credit bureaus blocked the account on XX/XX/XXXX. As of today XX/XX/XXXX JPMCB re reported the fraudulent account. 

I also faxed over police report and a FTC report to JPMCB they still haven't removed the fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

these names need to please be removed XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXXXXXX XXXX XXXX XXXXXXXX XXXX ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX ID # XXXX XXXX XXXX Name ID # XXXX
Product: Debt collection

I sent a certified mail letter requesting a debt validation in accordance with 15 USC 1692g, specifically asking for proof that I owe the alleged debt, a complete account history, a copy of the original agreement bearing my signature, and evidence that they are legally entitled to collect the debt. Despite my request, they have failed to provide the requested information or remove the alleged debt from their records.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] SINCERILY XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, and Equifax are inaccurately reporting account number : XXXX ( ( XXXX ) on my consumer report. The date of last active is XXXX XXXX has XX/XX/XXXX and Equifax has XX/XX/XXXX. Remove this account for inaccurate reporting.
Product: Mortgage

XXXX XXXX sold the loan without permission falsified the documents and XXXX XXXX was already dead I attached some debt validation, and, XXXX please investigate all the loans on the pdf documents I sent you guys and make sure they follow the federal law and guidelines please and XXXX  XXXX closed my business account because of me bringing this up please have them reopen thanks under federal law you have 30 days to leave your investigation. Being right at the description of the processes used to determine the accuracy of completeness of the information is here by requested as well to be approved within 15 days of the complete of your investigation.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to request validation of the debt you claim I owe. According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, statements alone do not constitute sufficient evidence of a debt. I require a proper validation of this debt. 

In accordance with 15 U.S.C. 1692c ( c ), I also demand that you cease all communication with me regarding this debt, except to provide the required validation or confirm receipt of this letter.

Furthermore, as a consumer report is a medium of communication, please remove any negative information related to this alleged debt from my consumer reports.

Failure to comply with these requests may result in further action on my part. I expect an immediate response. Please address all future correspondence to my address above. 

Thank you for your immediate attention
Product: Debt collection

I do not owe this debt, company continues to attempt to collect, they are not bonded in Texas, and can not collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification for a application in my name someone was applying for credit i contacted credit bureau and company to stop processing
Product: Bank account or service

Paypal forces consumers to add a checking account to verify their identity. Once a checking account is linked to a consumer 's Paypal account, Paypal makes this account the default account where they take money from to pay for transactions. There is *no* way to change it. " One can not make a credit card account their default account after linking a checking account ''. Paypal does this to make extra $ $ by not paying credit card commissions and keep the 4 % themselves. 

I was careful to check and change the account to credit card account whenever I made transactions. However, I missed to change the account in my last transaction and Paypal took the money from my checking account and my bank account was overdrawn due to this. Bank charged me an NSF fee and I received a scary letter that my account will be reported to XXXX and Credit bureaus due to NSF. I did not check this bank account since I linked an account that I do not use often and do not keep any money to Paypal. I chose an under used account since I was not comfortable linking my active checking account to Paypal. 

I deposited money to my checking account and Bank was nice and refunded the NSF fee but Paypal must have damaged credit scores of a lot of customers due to Paypal 's greed. 

If transaction gets declined due to NSF, Paypal will keep trying every day or every other day to debit the money which will rack up NSF fees for the consumer. Banks often pay Paypal debits even if an account does not have overdraft protection to avoid this NSF hassle.
Product: Credit card or prepaid card

I applied for a Wells Fargo XXXX XXXX XXXX XXXX online on XX/XX/XXXX. didnt receive the card but I did receive a message from the bank regarding cards activity on XX/XX/XXXX. The purchases were made on XX/XX/XXXX but I received the message from the bank on XX/XX/XXXX. I called the bank on XX/XX/XXXX to verify a fraud and to block the card. On XX/XX/XXXX all transactions had PENDING STATUS so when I called, bank was able to decline all pending transactions but the claim was created instead. The bank representative allowed those pending transactions be processed after the cardholder called and verified it was fraud! Instead of blocking those transactions while it was possible, bank representative created a claim and all of the fraud transactions were transferred to my replacement card in amount of {$960.00} from XXXX and {$110.00} from XXXX. Bank representative told me my claim was declined because bank system shows the card was activated on XX/XX/XXXX from my cell phone. I didnt called to the bank on XX/XX/XXXX and I provided my call phone printed activity from XX/XX/XXXX to XX/XX/XXXX to the bank proving I never called to the bank on XX/XX/XXXX. Bank ignored my evidence and still requesting me to pay for fraud transactions. I also filled out police report and provided it to the bank as well but bank ignored it as well! By ignoring all of the evidence from customer side as well as the ignoring of the police investigation process show that Wells Fargo bank ignores Civil Rights of its customers and it also helping frauds.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX I have lost my purse and it had my wallet in it. My wallet had my personal information in there. My government ID and also my social security card were inside of my wallet. I have noticed that there are negative items that I have unknown knowledge about. These negative items that I have noticed are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I did a loan with the company and I signed paperwork but it's on a truck that has already been sold and they know about it. They are miscommunicating what the loan is for. Harassing neighbor 's that I did not put on my contacts. I asked the lady when she arrives about this she gave mixed response. I asked if she contacted my 2 neighbors because they might have loans there she stated yes the one did. I told her how that is not allowed to discuss my business with another client of theirs
Product: Checking or savings account

I have three accounts when opened was specifically informed no fees. Now I keep getting fees I have to constantly call to get removed. This is the second time this has happened.i would like it to stop and a refund of all fees on my accounts.
Product: Credit reporting or other personal consumer reports

I know my rights i have sent the disputes 2 time but the equifax is doing violation.

These should be removed immediatly otherwise i may take extreme steps : These are the inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to get 2 items removed from my Equifax Credit report on six different occasions. One of the items is XXXX XXXX which is shown as a charge off account with a past due balance of {$2200.00} and the last reported date is XXXX XXXX. The second item XXXX XXXX XXXX which is as a charge off account with a past due balance of {$1000.00} and the last reported date is XX/XX/XXXX. 

These items have been disputed and I have asked for verification. Equifax continues to report these items which reflect as charge off accounts on my credit file. XXXX  and XXXX XXXX did remove these items after the dispute. In addition an official police report was filed in XXXX indicating someone had stolen my identity.
Product: Checking or savings account

MoneyLion Bank is operating a fraudulent rewards scheme where new customers are promised a promotion match on their initial direct deposit, but these matches never take place and the bank is arbitrarily refusing to honor the terms of the promotion. 

The " pave the way '' promotion operated by MoneyLion ( XXXX : //XXXX.XXXX.XXXX/XXXX/ ) promises a 17 % match on initial direct deposits - this match was not honored on my account even though promotion terms were met. Several comments on public forums seem to indicate that MoneyLion is refusing to honor the terms of the offer, based on arbitrary requirements ( see comment section here : https : XXXX ) I deposited {$3700.00} to my new MoneyLion account via direct deposit on XX/XX/2019. A second direct deposit of {$5000.00} was processed on XX/XX/2019. These direct deposits meet the offer terms and I should be awarded the 17 % bonus on the original direct deposit. 

I request that MoneyLion acknowledge the inaccuracy of their promotion terms, and provide appropriate remedy.
Product: Checking or savings account

I deposited a check to my bank account ending in XXXX and the bank decide to put it on hold. I contacted the person who gave me the check to put an stop payment because I needed the funds immediately. They closed my bank account and did not let me see the amount on my account. I have waiting for several weeks and still they are not sending me a check. I contacted them again today and now they are only willing to send me a small check for XXXX $ while I had more than {$2000.00} on my account. This bank is stealing my money and charging me fees for not reason.
Product: Checking or savings account

Subject : Complaint Regarding Unresolved Banking Issues I am writing to formally file a complaint against PNC Bank due to unresolved issues with my account. On XX/XX/2024, I deposited a {$46000.00} check, leading to a five-business day hold Ending XX/XX/XXXX. I used Debit Card once check cleared with no issues.Despite the check clearing, attempts to withdraw {$17000.00} on XX/XX/XXXX and XXXX From Local Branch were repeatedly delayed with conflicting explanations from the bank. 

Moreover, They stated my account was frozen after a attempted a wire transfer that i made while in branch on the sameday, allegedly under investigation for the deposit, verified check and Attempted Wire Transfer. Despite assurances from PNC Bank With VoiceMail Left on my Phone Number Listed on account and a verified PNC Branch Manager Office Number Also After me Verifying attempted wire I have been without access to my funds for over 10 days, and the bank has provided inconsistent information, causing significant frustration. 

I am seeking prompt resolution and clarification on the status of my account, as well as an explanation for the prolonged investigation. This situation has caused undue stress and inconvenience. I request a thorough review of the matter and a timely resolution to restore access to my funds. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Please be advised, Ive sent numerous Communication to credit management in reference to a debt that I do not owe. this account is fraudulent and does not belong to me please see attached FTC report. I have never done business or enter into a signed contract with credit management lp Account number XXXX {$810.00}