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

My Venmo debit card was stolen on XX/XX/XXXX, which was reported to the company and the police. 

9 charges were made to the card for an amount close to XXXX dollars. 

I Notified the company when the charges were in pending status, they told me that to make the claim possible I had to wait until the status of the charges were completed, On the weekend I was notified that 7 of the claimes were denied that means that I am not gettig my money back Also there are 2 claismes pending to be resolved.
Product: Debt collection

I am a victim of identity theft, and I have taken appropriate steps to rectify the situation. I have also submitted an Identity Theft Affidavit with the Federal Trade Commission ( FTC ). As a result, I have been issued an Identity Theft Report [ XXXX ] by the FTC, which confirms the identity theft incident. I informed A.R. M. Solution that the Dept is not mine.
Product: Credit card

I linked my corporate Amex card ( green card ) with my account on XX/XX/XXXX. And this should deduct my annual fee by XXXX dollars. My annual fee still get charged on XXXX XXXX, and the customer service can not confirm this will be removed or credited back.
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 EQUIFAX credit XXXXeporting agency , block 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 a Auto Loan account opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXXXXXX XXXX  an Education account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a Education account opened at XXXX XXXX XXXX XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX 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 # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Has violated my rights. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. THEY DO NOT HAVE MY WRITTEN CONSENT.

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.
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  and account number 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Product: Credit card or prepaid card

My daughter is XXXX. I helped her create an account and I added funds to it. Several transactions totaling {$40.00}. Her original account was $ XXXX and it was set up on her phone number XXXX. She was not able to use or access her account at that time because she was a minor and I was not able to add her to my family accounts. Her phone broke and we no longer can get messages sent to that original number. Her account was never linked to my family account despite me contacting support several times. I had to wait until my son who is XXXX dropped off of my account to add her. She got a new phone and number and we were trying to set up her cash app before school. But it would not let us recover her account. It said she needed to create a new account and contact support. So we did. We followed the instructions to merge her accounts but it would not work because she never had a card for it. 
They told her that because I am her parent/sponsor, I needed to contact them. So I did. Again, they had us attempt to recover and merge her accounts, and again, it did not work. I requested that they reverse my transactions and refund the funds and they said they couldnt do that either. 
I just wanted my daughter to be able to access her money and use her cash app account. The new account is $ XXXX and her new phone number is XXXX. I can provide her birth certificate and social security card and any other proof that I need to get this fixed. I have spent several days and talked to numerous people and they have told me that money will just sit there indefinitely because she does not have access to the original phone number used to set up her account. They are essentially holding her money hostage because we have absolutely no way to recover the funds.
Product: Checking or savings account

I closed my checking account with XXXXXXXX XXXX and I received a check amount XXXX than I deposit it to my Bank of America checking account than bank accepted after one week Bank of America email me say image is not showing will than take the money back and I shredded the check XXXXXXXX XXXX say Im not responsible for and Bank of America no response Thanks
Product: Checking or savings account

Yesterday I noticed {$54.00} taken from my debit card through my Paypal account. I believe someone hacked my account and send them money. The name of the man who has my money is XXXX XXXX and I have called and called and messaged both Paypal and XXXX for a refund yet still have had no response. I need this issue resolved immediately. I understand there is a worldwide pandemic but that is no excuse to let a minor be bank robbed and hacked for all the money she has and get no help nor response. Im just really hoping you can help me get a refund back of at least my {$50.00}.
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

To CFPB In accordance with the Fair Credit Reporting act these creditors has violated my rights. 

XXXX Act # XXXX -XXXX Act # XXXX -XXXX XXXX Act # XXXX -XXXX XXXX XXXX Act # XXXX -XXXX  Act # XXXX -XXXX  Act # XXXX -XXXX Act # XXXX -XXXX XXXX XXXXXXXX Act # XXXX -XXXX  Act # XXXX XXXX Act # XXXX -XXXX  Card Act # XXXX -XXXX XXXXXXXX Act # XXXX -XXXXXXXX XXXX XXXXXXXX Act # XXXX -XXXX  Act # XXXX -XXXX XXXX Act # XXXX XXXXXXXX XXXX  Act # 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: Mortgage

This property has been under contract since XXXX XXXX, 2016. Select Portfolio Servicing is the second lien holder. The first lien holder XXXX XXXX has approved the short sell and is granting the second lien holder {$6000.00}. 

The first lienholders short sell approval will expire on XXXX XXXX. SPS is dragging the process out and it appears that every 30 days they are asking for the same document over and over again to prolong the process. We have sent the letter of authorization at least four times and they have requested it again yesterday asking to include the listing agent 's name. Any other lender would 've asked for this to be included back in XXXX when the property went under contract. 

Can you please assist in making SPS escalate this file? As stated above the first lienholders approval will expire on XXXX XXXX, 2016. We have asked for an extension and hopefully this will be granted that the closing must take place on or before XXXX XXXX, 2016. Thank you for your assistance with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an accountt with XXXX XXXX ( Formerly XXXX ) multiple times ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) in reference to late payments being reported.. XXXX has payment status reporting for XXXX as `` not more than two payments past due '', TransUnion as `` 30 days past due '', and XXXX as XXXX paid account/was 30 days past due. XXXX has the close date as XX/XX/XXXX, Transunion as XX/XX/XXXX, and XXXX does not have a close date reporting. XXXX actual report has late payment reporting XX/XX/XXXX, Transunion 's report doesn't have nay payment history reporting, but is reporting a 30 day late payment, and XXXX 's report has late payment reporting as of XX/XX/XXXX. I have never been late on any payments, and I am not understanding why the bureaus are failing to investigate properly. Payments for this loan were due the XXXX of every month since the origination of the loan, which was XX/XX/XXXX, and I refinanced the vehicle with XXXX XXXX XXXX XXXX on XX/XX/XXXX. At the time that I refinanced the vehicle, there were no late payments reporting to my credit report. Then after I paid the vehicle off XXXX reported late payments. Please find attached how the account is reporting to my credit reports and my payment history/payment and notifications staring from XX/XX/XXXX to pay off of loan on XX/XX/XXXX.
Product: Debt collection

The Collection Company, ( ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX is attempting to collect a debt from me that I DO NOT OWE. I have never entered into any business arrangements nor have I signed any contracts to conduct any kind of business with this company. This company is a 3rd party collector and has absolutely no permission to furnish any information on my credit report. The law states that before you collect any information about me you have to get my authorization to access my credit report for any purpose and unfortunately this company did not follow the proper protocols and is in violation of the Law. I have recently requested VALIDATION OF DEBT from this company which includes providing me with : PROOF OF CONTRACT, a certified copy of an authenticated original contract with my signature, specifically naming XXXX XXXX XXXX XXXX XXXX ) as an entity entitled to enforce a commercial claim against me, and verification of all data for this account, every notation, dates, and balances. This company has yet to respond to my VALIDATION REQUEST AND IT'S CONDITIONS.
Product: Mortgage

XXXX I had loss of income do to XXXX, i than had a XXXX  XXXX that I could no longer afford, and I couldnt stay current on my current mortgage payments. my mortgage gave me a XXXX XXXX forbearance, however never disclosed all money would be due at time forbearance ended. I assumed it would go to the end of my loan. I have been attempting to get a loan modification since before XXXX of XXXX. Countless times Ive have been told told documents havent been received via fax or email uploaded pdf file. Even after speaking with numerous agents to locate things that were already sent the processor keeps asking for the same documents, or because so much time has passed now I have to resign and date documents. I call to check status and still notes of processor still asking for duplicate information. I have filed another XXXX XXXXXXXX trying to save my home the mortgage company has objected stating that it doesnt take a long period to complete a loss mitigation application with their company. However, I have documentation showing that Ive submitting these documents and yet my file is still incomplete. It seems as this department is in the business of helping owners lose the property instead of stay in them. How come the loss mitigation department is the same name as my lender, so I assume this isnt a third party company handling my application. However the lawyers for Dovenmuehle Mortgage seem not to know where I am in this process and cant see why my application has been completed to see what options are available to me. I am doing everything in my power to get them what they, need and yet I have no one to check with to make sure they are doing what is needed to be done so my family and I can stay in our home.
Product: Debt collection

Looking for help in resolving a misunderstanding that has cost me {$140.00} in late fees and negative impact on credit report. Began earlier this year when I discovered my old XXXX credit card had expired I applied for a new one. I later learned, however, that my previous online profile does not carry over from one card to another and therefore, the settings I had in place to pay my account in full each month ( as I do with all my credit cards ), had been reset. In addition, I verified the settings were in place after the new purchase, but assume now I was seeing the old online profile. I assumed statements received were duplicative and the account was being paid. <P/>I never received other notifications from XXXX, by e-mail or by an identified phone caller. What I did receive, which I discovered in hindsight, were repeated robo-calls coming from a non-identified number that never left any voice mails. All this couldve been easily resolved with a simple phone message or e-mail notification. <P/>It was not until I received a letter from the collection agency that I became aware of the matter and when I did, I immediately brought my account up to date. However, by this point, there was no ability ( or willingness ) to adjust late fees and my original a {$56.00} purchase had ballooned to nearly {$180.00}.
Product: Credit reporting or other personal consumer reports

I'm writing to formally complain regarding fraudulent accounts that have appeared on my credit report. Despite my efforts to resolve this issue, these unauthorized accounts continue to negatively impact my credit history. 

Details of the Fraudulent Accounts : Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Reported By : EQUIFAX Date Opened : XX/XX/2019
Product: Money transfer, virtual currency, or money service

I was attempting to purchase my leased vehicle. I went to XXXX  XXXX and they listed several loan providers and I selected XXXX. I submitted the proper paperwork and was approved for a loan. The loan buy out was XXXX. I originally wanted the full amount but then decided on putting XXXX down on the loan. I wired the {$10000.00} to XXXX to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX. on XX/XX/2018 XXXX. I was notified she received the money and I haven't heard from her since. 
I attempted to contact XXXX XXXX at XXXX and XXXX. With no luck. 
I contacted lending tree and they issued a complaint. The XXXX  has been notified and The Attorney general office as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX {$8100.00} XXXX XXXXXXXX {$49.00} ( Original Creditor : XXXX XXXX ) XXXX {$420.00}
Product: Debt collection

Wells Fargo violated me under the FDCPA. 806. Harassment or abuse harassment, oppress, or abuse any person in connection with the collection of a debt. 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. 812. Furnishing certain deceptive forms ( a ) unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer. They Violated the Truth In lending Act, and The Freedom of Information Act. My wife and I have discovered that our rights have been violated. We were the original Creditors, Natural Consumers and Principal on our account with our signature. Now we are scared that we will lose our home.
Product: Credit card

I filed complaint ( XXXX and XXXX ), I received response from XXXX XXXX XXXX, Office of the president, Card services, XXXX XXXX is not capable and understand the case neither the knowledge about what is steampod is, XXXX XXXX is hair straightener that it comes with water tank with base and comb with straightener itself they ARE NOT ACCESSORIES that you mentioned I did purchased it fromXXXX, they should came with unit and further more when logged in to XXXX is not included in their product lists, when I purchased it I XXXX the Steampod andfound few, the cheapest was from XXXX and in the description DID NOT INDICATEDTHAT IS USES XXXX PLUG neither the THE XXXX knew it going to U.S.A and warningU.S A 's buyer that is uses different power source ( XXXX volt ) and not shipped the unitwith missing parts and further more THE XXXX knew the XXXX rules that we will be stockwith unit and can not ship it back due to cost that IS FRUAD the intention to deceiveand causing financial injury is FRAUD, your department has to protect their client from such as this predators, US Bank must make sure that The XXXXresponsible for gettingdefective unit back and provide the shipping cost for their unit.
Product: Mortgage

Hello, to whom it may concern this is a case for Mortgage fraud, between the companies listed below : CALIBER HOME LOANS XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX XXXX XXXX XXXX ) XXXX Ending Balance should have been : XXXX on XX/XX/XXXX when balanced was closed and transferred. 

Two loans have come after this when transferred, which goes up in the closing balance. Adding years to the mortgage payment. 

The loan went from being close to XXXX, which is fraud. 

XXXX dollars is unaccounted for from : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX ) XXXX The loan was transferred again on XX/XX/XXXX at XXXX to the company below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ) XXXX Between these two mortgage companies about there is some type of fraud.
Product: Credit reporting or other personal consumer reports

To update my name to my current legal name and remove old last names/Incorrect spelling of names/old account/debt/information greater than 8 year 's old. I have provided them with the correct spelling of my legal name and address.