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

On XXXX I tried to book a hotel on Chase XXXX. The website was not working whatsoever, and it directed me to call an agent. Which proceeded to help me book the reservation and didn't disclose any addons or any extras on the reservation. 
The agent charged my card {$310.00} where he added {$10.00} for breakfast per person even though the establishment doesn't offer breakfast. Also made me pay a higher rate than the advertised price. 
I went to the hotel and stayed my day and got an itemized receipt that the actual stay was only {$250.00}, and chase charged me over the rate. 

Not only that I tried to call on XX/XX/12 and was on the phone for XXXX hours being transferred from Customer service to travel to help desk then he transferred me to benefits to get rid of me ( Benefits is handled by a third-party company )
Product: Credit reporting, credit repair services, 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 U.S.C 1681. 

XXXX XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXXXXXX XXXX Acct # XXXXXXXX XXXX Acct # XXXXXXXX XXXX XXXX  Acct # XXXX XXXX  XXXX  Acct # XXXX XXXX  Acct # XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A, which states I have the right to privacy.

15 U.S.C 1681 Section 604 Sections 2 : Also states that a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency May make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : Inquiry from XXXX XXXX  XXXX on XX/XX/XXXX. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
XXXX from XXXX on XX/XX/XXXX. 
XXXX from XXXX on XX/XX/XXXX. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
XXXX from XXXX on XX/XX/XXXX. 
XXXX from XXXX on XX/XX/XXXX. 
XXXX from XXXX on XX/XX/XXXX. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
XXXX from XXXX on XX/XX/XXXX.
Product: Debt collection

This document is for fraudulent accounts opened in my name, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, delete information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number # XXXX, for the amount of {$1300.00}. This account has resulted in a fraudulent collections account appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Midland Credit Management was sent a notarized and signed affidavit about their clear violations of FDCPA and FCRA. They continue to contact me via mail to collect an alleged debt. 

Midland is in violation of 1. 15 USC 1692b ( 2 ) 2. 15 USC 1692b ( 5 ) 3. 15 USC 1692b ( 1 )
Product: Checking or savings account

Charging me over drafts and fees when my card had the money they waited with the posting and intentionally made me pay money back to them
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to express my deep dissatisfaction with the services provided by Wells Fargo, particularly with regard to the handling of my recent international wire transfer. 

On XX/XX/XXXX, I initiated a transfer of {$25000.00} from my Wells Fargo account to my XXXX XXXX account. However, the transaction failed, and I later discovered that my account had been blocked due to suspected fraud. Despite my repeated attempts to have the block removed, including contacting the Fraud Department and speaking with various representatives of the bank, no satisfactory solution has been offered.

I have been informed that I need a branch access code to regain access to online banking, but as I am currently located in XXXX and unable to travel to the U.S. this year, this option is not available to me. Despite my efforts to find an alternative way to verify my identity and unblock my account, the bank has failed to provide a solution.

Moreover, after filing a complaint through a branch manager and receiving a response from the XXXX  Complaints Management Office on XX/XX/XXXX, I was disappointed to find that they simply restated the problem without offering any practical solution. Case number : XXXX As a result of this ongoing issue, I am experiencing financial loss and inconvenience. I have no access to my account at all and I rely on it to pay bills. 

Thank you for your attention to this matter.
Product: Mortgage

My Grandmother passed away XX/XX/XXXX with no will. She had XXXX adult children who are the heirs. I live in her home and my mother, ( Heir 1 ) paid mortgage until XX/XX/XXXX, She had notified Ocwen of her passing. My mother moved out and I didn't learn the mortgage wasn't being paid until XX/XX/XXXXor XX/XX/XXXX. I received default notices and the amount to pay to bring loan current. So I called Ocwen to make sure of the exact amount due to bring loan current and up to date and pay them over the phone. They refused to speak with me and told me they would not accept payment because I wasn't on the loan account. They also refused to speak with both heirs also. I again tried paying in XX/XX/XXXX and they refused. Then XX/XX/XXXX I received summons for foreclosure. The heirs wrote the mortgage company stating they didn't have interest in home and they wanted me to assume mortgage or continue to pay. I was living in home. I hired an attorney and he wasn't communicating with me so I hired another one in XX/XX/XXXX and he filed answer to Summary Judgement hearing. Ocwen won because the lawyer didn't give me a defense in his answer per the judge. But the evidence they presented as Exhibits B and C were documents that didn't belong to my Grandmother. They had incorrect name, loan number, interest rate, principal balance, and much more. The payment history was so inaccurate, and was printed so small you needed a magnifying glass to see it. Everything was fraudulent. And they had lawyers and people swearing to reviewing these documents that belonged to a man in XXXX not to my Grandmother. This was their evidence submitted to the courts to win with. They also had lawyers fees for {$3100.00} for his time spent and documentation presented. They had foreclosure fees and costs separately multiple times a day with exterior inspections, property inspections, property valuation expense, title search, and they were listed twice on documents I received. They scheduled the foreclosure Auction for XX/XX/XXXX it was cancelled. Again on XX/XX/XXXX changed to XX/XX/XXXX and was cancelled. Now ive received a letter dated XX/XX/XXXX requesting to reschedule the foreclosure sale again because a successor in interest did not come forward. My aunt ( Heir 2 ) was trying to sell property before it was foreclosed and got involved with some shady real estate investor/broker and lawyer. So im confused as to what is actually going on with property because PHH has taken over for Ocwen and its a big fraudulent mess. The house has a lot of equity in it. More equity than what is owed on loan. Ocwen has violated many servicing laws and wrongfully foreclosed on my Grandmothers estate with fraudulent paperwork, forged documents, and incomplete and inaccurate payment history. Everything needs to be investigated from the start of the loan process.
Product: Credit card

I applied for a credit card through Wells Fargo in XXXX MT on XXXX XXXX 2015. I never received it but was approved. They sent it to my past addresses that were listed in my credit report. I checked my credit one day and found out that I had this card and it had been being used by someone else. I cancelled it and reported the fraud. Later I check and find out it was also connected to a checking account that I was a co on. I did specifically ask that this card not be attached to any checking account and was told that it would not be, but it was and that checking account kept getting over drafted without my knowledge and put against my credit card up to approx. {$8000.00}. Approx {$6000.00} was overdraft fees. I contacted the bank to talk to the guy that set my account up but he had already quit, I am pretty sure it was due to being forced to setup accounts like this. I had to pay it so I could cancel all my accounts with them because everything they did was a mistake and kept costing me more money. I believe they at least owe the amount in overdraft fees.
Product: Vehicle loan or lease

My vehicle was repossessed on XX/XX/19 by XXXX, XXXX on behalf of XXXX XXXX XXXX. I was advised by the finance company AND the dealer of which my vehicle was purchased at, to withhold my payment due to the dangerous conditions of the vehicle they sold me. XXXX XXXX XXXX has refused to provide me with any information about XXXX, XXXX to get my personal property ( they already confirmed with me the recovery company received the personal property release form. ) XXXX, XXXX does not answer any phone calls and does not have an address or business hours online as to where my vehicle is so I can obtain my property. They are not willing to work with me to obtain my vehicle and are withholding my personal property which according to NH state law ( see link attached ) XXXX XXXX XXXX they can not take my vehicle if asked to leave it alone otherwise it is breach of peace. The recovery driver PULLED ME FROM MY VEHICLE WHILE IT WAS RUNNING. It also states I am allowed to remove my personal property which the driver did not allow me to do. After numerous attempts to work with XXXX XXXX XXXX, they told me I can not get my vehicle back and I should " learn how to pay my bills. ''
Product: Credit card or prepaid card

As I always do, I made an online payment to my Target Red Card with my checking account. I made this payment on XX/XX/2019. This payment was deducted from my checking account on XX/XX/2019 and cleared my bank the same day. This payment was not returned and Target has their money. However, Target REFUSES to release the funds to my account. I have e-mailed and tried to get this issue resolved. They REFUSE to tell me how long that they hold payments for. They keep saying that it is close to clearing. It is now XX/XX/XXXX THIRTEEN DAYS LATER and they still have not released the payment. There is absolutely no reason why they should be holding my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681b ( Permissible Propose ) This is grounds for these accounts to be removed immediately ... It is a violation for credit company 's and credit bureau to report anything they want on your credit without a written consent. I never authorize or provided any written consent to the credit bureau to report or keep reporting this. It's identity theft and it have to be removed immediately... Here are the accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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'm escalating these unfamiliar and inaccurate accounts that I recently found from my credit report today. There has been lots of mistakes and misleading details that were entered in my consumer file regarding these below Charged-off accounts. I needed them to be removed right away .... 

XXXX. XXXX XXXX XXXX - Account # : XXXX XXXX. XXXX - Account # : XXXX XXXX. XXXX XXXX - Account # : XXXX XXXX. XXXX XXXX - Account # : XXXX XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # : XXXX XXXX. XXXX XXXX Account # : XXXX XXXX. XXXX - Account # : XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Account # : XXXX XXXX. XXXXXXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX - Account # : XXXX XXXX. XXXX XXXX XXXX - Account # : XXXX XXXX. XXXX - Account # : XXXX XXXX. XXXX - Account # : XXXX XXXXXXXX XXXX XXXXXXXX - Account # : XXXX
Product: Credit reporting, credit repair services, 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, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also I will like to state that I did not open or apply for these accounts. I have reached out to these companies to take these accounts off my credit reports. I never used my SSN to apply for these accounts
Product: Debt collection

I obtained a copy of my credit report to find debt that isn't mine.
Product: Debt collection

I received a credit alert that I had a new collection attempt on my credit report. The alert shows Choice Recovery Inc is attempting to collect a dental bill. I have no knowledge of this. I also did not receive any documentation related to the collection attempt. 

Choice Recovery Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX I have contacted Choice Recovery and have not heard back.
Product: Debt collection

I keep getting emails from " Asset Recovery Bureau LLC '' stating that I owe XXXX XXXX, and now XXXX XXXX XXXX XXXX {$2400.00}. I have no idea what this is for, and quite honestly I am getting irritated from the repeated emails. I even looked up XXXX XXXX XXXX, and their loans aren't even legal in the state of Oklahoma, as this is a tribal lending company. I need the emails to cease immediately. I do not owe this money, nor have I ever done any business with XXXX XXXX.
Product: Debt collection

Repeated phone calls from XXXX, XXXX, XXXX. All from the same organization. Calls are coming in before XXXX. When I asked that what ever this is regarding that they send a written correspondence, I was told they do n't have to and hung up on me.
Product: Debt collection

The amount provided is not the amount that was provided to me by XXXX XXXX nor the amount listed on my credit profile. I do not know who they tried contacting but it was not me. They have neither sent me anything in writing nor made contact with me by phone, ever.
Product: Debt collection

On XX/XX/XXXX I received an initial dunning letter from Asset Recovery Associates for a XXXX credit card in the amount of {$21000.00}. This account does not appear on my credit reports going back many years as I do not use credit cards. On XX/XX/XXXX I sent ARA a Debt Validation/Cease Communications letter via certified mail with return receipt. They received the letter on XX/XX/XXXX. On XX/XX/XXXX I received a second dunning letter with interest added to the balance. I researched the company and learned they were a debt buyer who acquires long out of statute debt which they then try to collect. On XX/XX/XXXX I sent a second Debt Validation/Cease Communications letter via certified mail with return receipt pursuant to the California Fair Debt Buying Practices Act. I received the return receipt one week later. 

Since then the company has never sent me a copy of a judgement as indicated in their letters, nor the documentation I requested that is required by law including a copy of the contract, date of default, breakdown of principal and interest, chain of assignment, etc. Additionally, their letters lack the required disclosure : The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it, and we will not report it to any credit reporting agency. 

Instead the company has been harassing me for more than a year with a bombardment of phone calls to my land line and cell phone after I twice had asked them to stop. Between XX/XX/XXXX and XX/XX/XXXX the company has called me more than 200 times, as many as 6 times per day and past XXXX. Each time they call they hang up without leaving a message. Also, they call my landlord and hang up on her without leaving a message. The company uses caller ID spoofing to conceal their actual phone number as well as robocalls with misleading messages purporting to be from the IRS, XXXX, XXXX, etc implying my account has been charged or compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian, XXXX, and XXXX on XX/XX/2023. Its been well over 30 days, I still have received anything back According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian. XXXX. and XXXX have 30 davs to respond to my dispute This a violation of my rights. 

Receipt and tracking number from United States Postal Service. 
Tracking number : XXXX Receipt number : XXXX
Product: Credit reporting or other personal consumer reports

Good day, upon checking of my credit report recently, I found a credit inquiry that I do not recognize and believe to be fraudulent as I have not applied to them. I did not give permission to thiscompany to pull up my credit report. This is really alarming as I might be already a victim of possible identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked recently credit report and saw information which never opened before like a few accounts and address. I listed all off these account in identity theft. All off them are fraud and were opened in the same time and the same year, that mean some body used my personal information and opend. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ).

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine
Product: Credit reporting, credit repair services, or other personal consumer reports

This corrupt bank still held my account open after they allowed fraudsters to take all my money. Originally, they told me that it was closed in 2018, and that I had to go to the branch to open a new account. However, I declined because my money was never safe with them. Fast-forward to today. I receive a reimbursement by accident to the old Citibank account, and the ACH transaction does not bounce back. I call in to receive some of the worse customer service and incompetence ever. These people who they hire at the call centers never use simple logic. They are telling me that I have to go to a branch to resolve this when I live 7 states away to the closest one. Then to top it off, I can't cancel the account and get a refund, so Citibank is holding my money illegally in an account that should have been closed when the fraudulent transactions took place. I was able to remove all other associated accounts that went into the negative on my XXXX   because Citibank 's lax security on bank accounts, but I am working on the 2 other credit bureaus. They are terrible and I don't even care about the money anymore, just close my account and delete my personal information. I don't want to be associated with this terrible institution anymore. They don't value their customers.