23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Sunday XX/XX/year> I used XXXX for the first time through my Truist banking app. 
Immediately following I received an email from Truist stating : " Your XXXX payment is on hold. Head 's up, your payment is under review. '' email received XX/XX/year> at XXXX XXXX. I called Truist at XXXX ( XXXX mins after receiving e-mail. ) I explained that I called the recipient of the XXXX to verify and found out they were hacked and did not initiate the payment, I said this is a scam, I DO NOT authorize this transaction, the gentlemen assured me he would stop the transaction ( it was pending and on hold ). After spending 4-hours on and off of hold with Truist, he told me he did not know how to stop it. I figured it was a Sunday so I would go into my branch in the morning to stop the still on hold, pending transaction. 
The manager XXXX XXXX had me come into the branch, she did nothing to help me although the transaction was still pending, and I said it was a scam. I filled out a transaction dispute, but it was denied, without talking to me or asking any questions. I have the e-mail from Truist, my phone records showing me on the phone with Truist for hours on Sunday XX/XX/year>. They let the {$500.00} be sent anyway although I said it was fraud and I do not authorize.
Product: Credit reporting or other personal consumer reports

I am writing to formally report that a XXXX  Line of Credit account with account number XXXX was fraudulently opened in my name, and I have been a victim of unauthorized charges associated with this account. On XX/XX/year>, I became aware of this fraudulent activity when a collections account from XXXX XXXX XXXX appeared on my credit report. 

I unequivocally state that I did not open this account nor authorize any charges associated with it. I did not receive any communication via email, phone, or mail regarding the opening of this account or the associated charges. The first notification I received was when the collection account was reported on my credit report. 

Furthermore, I have been a victim of previous data breaches, including those from XXXX and XXXX, which I believe may have contributed to the unauthorized use of my personal information. 

I am requesting that you immediately investigate this matter and take the necessary steps to remove this fraudulent account and any related collections activity from my credit report. Please provide me with any information you have regarding the opening of this account and the associated charges. I am attaching my FTC Identity Theft Affidavit and a police report for your records.
Product: Mortgage

I received a XXXX C Cancellation of debt for this account years ago. This is an old outdated account past the retention period. This account must be removed from my XXXX as it is causing me irreparable financial harm.
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 XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal EDUCATIONAL account opened at U.S. DEPARTMENT OF EDUCATION on XX/XX/XXXX under the account number XXXX, an EDUCATIONAL account opened at U.S. DEPARTMENT OF EDUCATION on XX/XX/XXXX under the account number XXXX, a EDUCATIONAL account opened at U.S. DEPARTMENT OF EDUCATION on XX/XX/XXXX under the account number XXXX, and a EDUCATIONAL account opened at U.S. DEPARTMENT OF EDUCATION on XX/XX/XXXX with a balance of {$2600.00} that appears related to the aforementioned personal loan account opened at 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 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: Credit card

I received an alert that a new account was added to my credit report and payment where being made on the account. I contacted the company several times and submitted documents. I let them know that this is a fraudulent account and it still on my credit report.
Product: Credit reporting or other personal consumer reports

During Covid 19 I was hospitalized multiple times over 30days. I was ill and unable to work I didnt check my credit over 3 years because I was not well and my focus was getting back well. I was able to access my XXXX when I notice a line of credit someone else had purchased. I immediately disputed and informed the credit union that its a fraudulent account. Therefore I proceed to look further by requesting my reports from Equifax and Experion. I have been having trouble getting my reports online and also tried calling often get hung up on or speaking to someone that gives the impression of not knowing or doing there job. I have explained my issue and nothing is happening to resolve it. The reps are very unprofessional. Please advise.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX : Had received several " Pre-Approved Loan '' mailers from the Lending Club, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX indicating I ( & my wife separately, on separate mailers to her individually ) was pre-approved for a personal loan of up to {$35000.00}. The mailer was sent to me, specifically, with a specific " RVSP CODE '' and a " Respond By '' date inXX/XX/XXXX. We each have received 3 of these mailers in the past few weeks, with different RSVP CODES and later " Respond By '' dates. OnXX/XX/XXXXI submitted an application online to the Lending Club website " XXXX '' for a loan for the purpose of paying off existing credit card & other debt & consolidating into one loan. The site said I would be considered for any loan amount ( {$35000.00} or less ) for which I qualified.. My financial situation had not changed at all between the time of mailing the offer and my application online. Almost immediately I received a reply that " Unfortunately, we are unable to approve your application. '' Not an approval for a lesser amount than the {$35000.00} stated in their letter, but a total rejection of any loan at any amount! The stated reasons were standard " ratio of balance to limit on bank revolving or other rev accts ( sic ) too high '', etc. However, all of this information should have been available to the Lending Club at the time the " Pre-Approved Loan '' mailers were generated. I believe these mailers  represent a " deceptive lending practice '' or a data-fishing practice, whereby lenders induce citizens to provide their personal information, including income, and then deny the application with no obligation to the lender. I called Lending Club and spoke to a customer service person, who offered only a standard response that my credit situation might have changed after the mailer was sent out. As I stated to her, this was not the case.
Product: Mortgage

Mortgage loan with Wells Fargo ( and HELOC ) was subject to the CFPB settlement wherein Wells Fargo improperly denied loan modification 9 times, resulting in lis pendens and foreclosure action. Wells Fargo continues to claim a trial period was offered when it was not. 

Wells Fargo identified our loan XXXX XXXX XXXX ) has improperly computations in modification application ( but refuses to acknowledge they improperly denied modification request under HAMP 9 times ) and send a bogus " settlement check '' for {$200.00} on XXXX XXXX XXXX 

Wells Fargo Remediation claims this was a " customer service courtesy ''. 

Lender is well aware of our status as borrowers. In XXXX XXXX XXXX XXXX  Pick-A-Payment '' Mortgage Marketing and Sales Practices Litigation in the ninth circuit XXXX borrower filed declarations seeking relief in class action suit, and as class members were never provided any compensation in settlement entered.
Product: Credit reporting or other personal consumer reports

This company is in violation of the consumer law. My personal information was sold in illegally used bye a third party. According to the consumer law, you are in violation. Code 15 usc 1692j states It is 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 allegedly owes such creditor, when in fact such person is not so participating. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Money transfer, virtual currency, or money service

Dear Sir : I have for several months maintained an account with Wise , Inc. which is operating in the United States.

I used this account to transfer a small monthly pension I am receiving from the XXXX to my account in the United States. On XX/XX/XXXX Wise abruptly closed my account without any reason and provided the attached letter saying they have the right to close the account and retain my money. I also had some business account from previous business I did with XXXX XXXX and XXXX. They have closed all accounts. 
XXXX XXXX XXXX  on Social security income and on this small pension from the XXXX, which I rely on to pay my bills and do not have any other income. It is incredulous, that a company is able to operate in the financial services in this State without any accountability. I have not and never did engage in money laundering or other fraud.

May I request your urgent assistance in recovering my pension funds still retained by them and take measures that they not hurt other residents in this way. 

Thanks and regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX {$0.00} XXXX  XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$6200.00} XXXX  XXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$180.00} XXXX XXXX XXXX XXXX Balance {$4700.00} XXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX Balance {$1200.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$1200.00} XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$180.00} XXXX XXXX  XXXX Balance {$15000.00} XXXX XXXX  XXXX Balance {$990.00} XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$2400.00} XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX Balance {$550.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> at XXXX am, text message received from the number XXXX stating the XXXX account is at risk for charge off. It states to make a payment of {$89.00} or more to avoid charging off. There was no communication regarding a repossession. When logging into the account at XXXX am, the XXXX was completely removed from the bridgecrest app, leaving us no way to make that payment like we do the previous ones. A payment of {$150.00} was made on XX/XX/year> that was no reported. The amount that is being asked to pay by the XXXX of XXXX is XXXX. The amount reported on my credit is {$6300.00}. They are rude and transfer you without any concrete answers. They have reported this to the bureaus leaving a credit hit on the account. The amounts reported are inaccurate and they reported the account was closed the same day they sent a text message asking for payment to prevent charge off. They are notorious for doing this to others and I need your help to remove this from the credit.
Product: Payday loan, title loan, or personal loan

My grandmother recived a reverse morgage thru champion reverse morgage in XXXX ( a line of credit ). She past away in XXXX leaving me as one of tge surviving heirs to tge property i found her reverse payment and filled out the paper work for life rights as such should be grantted. They have since started forclosure on the home. Charged inspection fees for inspections that never occured, have not kept the property properly maintance to the point that i have done and incurred all charges for maintance and major repairs. Includung major leaks, electirical issues and possiable structual damage, charging for insurance priemiums but stating that i must pay preiums but have no home insurace. My home has now been deemed unfit for habtation making me and my family XXXX withoit warning. I have in the past reached out to champion mortage so to adress all issues to no prevail. Only getting ran around told to call one companie to the next. My grandmother never completed the counseling needed and deemed a must to receive the reverse mortage. Also purchased life credit on the loan which in turn would paY the loan off in full in the event of her death. Not to mention the loan was given under false pretences and should have never taken place putting my granfather as the co- borrower ; whom passed long before my grandmother. I belive in XXXX and the loan counselong never taking place Also the home has mold and what i belive is asbestis in the attic. ALONG WITH BEING deemed unfit they are adding taxes on the life of the loan tgat are also being assesed to myself. I am not able at this time to gather the Property paper work due to it beong deemed unfit aNd not having the appropriTe contact information and endless companie run around to recievive permission to enter the premisses. So i therefore am in threat of loosing my home and all belongings including family pictures and airlooms
Product: Checking or savings account

Dear XXXX, I am writing to present a case that is related to an unsuccessful saving account opening, which could be resulted from the bank 's internal miscommunication or potential internal misbehavior. The bank 's denial, due to a loose tracking and review of a previously closed case, is blocking my right to access my other credit card and checking accounts, as well as the request to open a saving account. 

I applied for the Citi Accelerate Saving Account on Citi 's website on XX/XX/XXXX and funded the account with my Citi checking account ( {$1500.00} XXXX right after the opening. Starting from XX/XX/XXXX morning, Citi blocked my access to my credit card, checking and the new saving accounts without any notification. 

On XX/XX/XXXX, I tried to communicate with their Twitter Ask_Citi agent, Online Chat agent, Customer Service agent, New Account Creation agent and New Account Fraud Service agent. Through the texts, messages and phone calls, I understood my access to all my accounts was blocked due to the failure of that new saving account creation. Their New Account Agent and New Account Fraud Service agent told me the failure was due to a " negativity of one account '' related to my current address. New Account agent directly told me " Citi is losing money on this account. '' I checked all my documentations related to Citi and realized that " negativity of one account '' can be traced back to my checking account application in winter XXXX. I keep all letters and checks to show I do not owe Citi a cent and vice versa. 

The New Account Fraud Service agent heard my statement and told me Citi is going to send me another debit card, but has to cancel my saving account due to that " negativity '' record, which would be on file for five years. I immediately expressed my concern toward this record because : first, it obviously introduces inconvenience to me when I have transactions with Citi ; second, Citi could possibly use the record to claim their benefit or even call for third-party collection. I insisted this false record should be removed to avoid future problems. The New Account Fraud agent refused my request for further escalation and hung up my phone call directly.

I express my wish to provide the copy of all crucial documents to help Citi clear the internal errors. However, through my communication with so many agents, I see no Citi 's agent is taking ownership to help client resolve an existing issue. This is deteriorating consumer 's rights and creating a very deep fear. I don't know who else can help and therefore I would like to seek help from this platform. If you know anyone else who can help, please pass that information to me. 

Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized accounts that I never opened are being reported : XXXX XXXX Opened : XX/XX/XXXX {$2500.00} XXXX & XXXX Opened : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent out a letter out on XX/XX/2023 to transunion with my identity theft letter. Here my tracking number XXXX. They credit bureau failed to investigate my investigation back. This not make sense According to the law 15 U.S 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.
Product: Credit card

I decided to not pay another annual fee for a Bank of America Visa card. My expectation was the account would be closed. A month later I got a bill for my account which had been charged the annual fee. I did not knowingly ever agree to have the company automatically renew my account. I then called the company and was assured by customer service they would close the account and back out the charges. A month later I received another bill with a penalty included. I called again and was told they would close the account and back out all of the charges. A month later they continued to add penalties and did not close the account. I then sent them a letter with a return receipt by XXXX Mail. I detailed the above in this letter and told them to close the account and send me a final bill and I would pay that to just end this stupid experience. Instead they reported me to a credit reporting agency that I was now 120 days past due. 
I had not used this credit card for years. It was an emergency card.
Product: Debt collection

This company has been harassing me nonstop about a debt I do not owe. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They have been contacting me endlessly and threatened to take legal action against me for a debt I do not owe. I mailed the company a debt validation letter. I've read many reviews on this company and their tactics and I am not the only person who they have been harassing according to the XXXX.
Product: Mortgage

XXXX XXXX XXXX XXXX Is creditor, " not '' XXXX XXXX XXXX XXXX, XXXX doing business as XXXX XXXX. As of XXXX 2014, when XXXX XXXX XXXX SOLD THE LOAN to XXXX XXXX SERVICES called LOAN POOLS! XXXX POOLS WERE ACCUIRED BY XXXX XXXX XXXX XXXX " NO " LETTER OF TRANSFER " HAS BEEN RECEIVED FROM XXXX XXXX XXXX XXXX. 
AND FEDERAL LAW STATES THAT : " A LETTER OF TRANSFER IS A REQUIREMENT ". I DISPUTE AND DO NOT AGREE WITH ANYTHING!!!!
Product: Credit card or prepaid card

I am a victim of XXXX. Way 2 Go card company issued by the Georgia XXXX  XXXX XXXX will not refund the {$6000.00} that 2 female suspects stole from me. I provided Way to Go with the Police Report and direct statements from the XXXX XXXX, the XXXX on my case. And they still won't refund my money and won't talk to the XXXX on my case. This is pure ILLEGAL. Way 2 Go is just as guilty as the suspects who stole my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND LATE PAYMENTS from my credit report immediately