23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Supposedly have a {$71.00} charge off that was opened on XXXX XXXX to this day they are still reporting late payments. This was a lease that was paid off in full in the past. Ive asked them several times ( mailed letters, called, etc ) and they will not respond to validate the debt
Product: Money transfer, virtual currency, or money service

We have sent XXXX of US {$250000.00} from XXXX to XXXX XXXX against purchase of goods as on XX/XX/2018. The fund was remitted from XXXX XXXX XXXXXXXX, XXXX to XXXX XXXX XXXX USA, further transferred to XXXXXXXX XXXX XXXX XXXX, they further transferred to HSBC USA for transfer to HSBC XXXX XXXX for final credit to beneficiary. It's already 23 days now, we are following every night from XXXX & XXXX XXXX, but not getting any response from HSBC USA,  who holds our fund from 23 days. Neither they have intimated the sender nor to beneficiary, the reason to hold. We are attaching herewith copy of BOI-USA requesting XXXX XXXX to follow up with HSBC-USA AND also copy of earlier reply from XXXX XXXX XXXX XXXX XXXX XXXX No : XXXX. Even we have tried to contact XXXX XXXX XXXX & HSBC USA directly on phone, but they have denied to reply on any of our query. 
Kindly do the needful. Thanks.
Product: Mortgage

I have my mortgage loan through OCWEN and for the last XXXX XXXX months I have had multiple phone conversations with multiple people and have not received adequate answers or been able to talk to anyone that can answer my questions. Just have been passed along to others and then back again. OCWEN has had multiple problems as of late and have lost their licenses in multiple states and the CEO stepped down last month amid all the problems.. I currently have a loan I have been paying on for 14 years and have been looking for answers on what options I have to buy out the mortgage for the current appraised value or more. I have modified and refinanced my mortgage and am at a really good interest rate and a short sale is not an option and ca n't get OCWEN to give me a straight up answer on the offer I made them a few weeks ago as a cash offer to buy it out and can not get any answers and keep saying I 'm not qualified but yet ca n't get a outline of what qualifies me to receive help in this matter. I have talked with a couple other people that have OCWEN and they have had similar problems and they have not gotten any answers till they threatened to contact the press then started getting assistance. Which is where I am currently at with the lack of customer service that has been given to my situation. And I am offering cold hard cash and still nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan online through a loan company that sends my information to a group of lenders to get them to accept my application. I was contacted saying I was approved for a {$5000.00} loan. I thought these type of companies were legit but now I am seeing that even they are fradulent. I was at work and desperate for funds so I could go to my grandmothers funeral. They agreed to give me a small loan to make a payment within 24 hours. My account was in the negative to begin with so I didnt think anything of it. Now my bank account us being closed by my bank and they are saying I committed fraud but I had no knowledge I offered to send them all the emails between them and I and they refused to receive it saying it dosent matter pretty much it is not their concern. This is going to go against me on my credit when this is not even my fault. Help what do I do?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

I told/informed XXXX, XXXX, and Equifax to XXXX and or remove these accounts : XXXX. XXXX XXXX XXXX > {$7000.00} * Account # : XXXX * Date Opened : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX {$430.00} XXXX. Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX > {$1000.00} * Account # : XXXX * Date Opened : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX > {$520.00} * Date Opened : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX {$620.00} XXXX EVERY * Date Opened : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX  > {$1400.00} * Date Opened : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX > {$730.00} * Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX {$640.00} * Opened Date : XX/XX/XXXX XXXX. XXXX XXXX {$8200.00} * Opened Date : XX/XX/XXXX XXXX DISPUTES XXXX XXXX. XXXX XXXX XXXX {$5100.00} * Account # : XXXX * Date Opened : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX > {$8200.00} XXXX. Account # : XXXX XXXX. Date Opened : XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX {$340.00} * Account # : XXXX * Date Opened : XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX {$640.00} * Account # : XXXX * Date Opened : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$790.00} * Account # : XXXX * Date Opened : XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX {$620.00} * Account # : XXXX * Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX > {$1400.00} * Account # : XXXX * Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX {$920.00} * Account # : XXXX * Date Opened : XXXX, XXXX XXXX FRAUDULENT HARD INQUIRIES XXXX. XXXX  * Opened Date : XX/XX/XXXX XXXX XXXX  XXXX XXXX * Opened Date : XX/XX/XXXX XXXX. XXXX * Opened Date : XX/XX/XXXX XXXX. XXXX XXXX * Opened Date : XXXX XXXX, XXXX HARD INQUIRIES : XXXX. XXXX * XX/XX/XXXX In addition to, the XXXX XXXX stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the XXXX business days allowed with the XXXX & in accordance to Consumer Law ( FCRA ) XXXX U.S.C XXXX & XXXX U.S.C XXXX ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Profile. According to XXXX XXXX XXXX ( XXXX ), they are supposed to modify accounts that aren't reporting correctly. 

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : XXXX U.S.C. XXXX ( A ) ( XXXX ) [ 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 ], XXXX U.S.C XXXX, XXXX U.S.C XXXX, XXXX U.S.C XXXX, XXXX U.S.C XXXX, & XXXX U.S.C XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter in the mail indicating I was delinquent on a loan payment to XXXX XXXX on XX/XX/XXXX. I contact XXXX at the number provided on the letter - XXXX and requested information on the account. The account was for a personal, unsecured loan in the amount of {$800.00}. 

Contacted XXXX XX/XX/XXXX : Indicated the fraud and requested a representative within their fraud department contact me. 
Contacted XXXX XX/XX/XXXX : Indicated the fraud again and asked if a supervisor was available to assist. Was transferred to XXXX and repeated the story. He said they couldnt transfer me to a fraud department, but that he would escalate this and someone would reach out within the next 24 hours. 
Contact XXXX  XX/XX/XXXX : Spoke with XXXX XXXX, a supervisor, he again noted on the account and said he would personally escalate this. He was provided my email and cell number once again. 
Contacted XXXX to dispute the account.and was told that XXXX would respond within 30-days. 
Received notice from XXXX that XXXX had validated the account and the dispute was canceled? 
Contact XXXX XX/XX/XXXX : Spoke with XXXX ( Supervisor ) Provided information on the loan. Escalating again to resolutions team. I was told i'd hear back within 24-48 hours. No call back. 
Contacted XX/XX/XXXX - XXXX ( XXXX XXXX XXXX ) to discuss the limited help Ive received from XXXX. She was going to help escalate this. However, she was in XXXX and needed to get back to me. I received a text from her Saturday XX/XX/XXXX. She gave me the number for the Service Desk @ XXXX and asked myself or the detective to contact. XXXX. 
Contacted XX/XX/XXXX Went to the XXXX XXXX XXXX branch ( Orgin of the loan ) and spoke with XXXX ( Manager ). I was able to see a picture of the suspect that took the loan on her computer, but unable to take a picture for my records or receive copies of the loan documents. 
Contacted XX/XX/XXXX Called the help desk and was on-hold for exactly 30 minutes, nobody ever picked up. Left message on voicemail with all account info and indication of Fraud. Updated XXXX. XXXX by email of the latest info I had on the case. 
Contacted XX/XX/XXXX - Called the help desk and was on-hold again for exactly 30 minutes, nobody ever picked up. Left message with voicemail. 
Email XX/XX/XXXX Sent email to XXXX with details of fraud and account. Requested someone contact me immediately.
Product: Credit reporting or other personal consumer reports

please removed the following accounts and update Account Name : XXXX XXXX Balance : {$500.00} Account Number : XXXX Date Opened : XXXX. XXXX, XXXX Account Name : XXXX  XXXX Balance : {$500.00} Account Number : XXXX Date Opened : XXXX. XXXX, XXXX Account Name : XXXX XXXX Balance : {$360.00} Account Number XXXX Date Opened : XXXX. XXXX, XXXX Account Name : XXXX XXXX XXXX Balance : {$390.00} Account Number XXXX Date Opened : XXXX. XXXX, XXXX Account Name : XXXX XXXX Balance : {$340.00} Account Number : XXXX  Date Opened : XXXX. XXXX, XXXX Account Name : XXXXXXXX XXXX Balance : {$360.00} Account Number : XXXX Date Opened : XXXX. XXXX, XXXX Account Name : XXXX Balance : {$0.00} Account Number : XXXX Date Opened : XXXX. XXXX, XXXX Account name : XXXX  Account XXXX : XXXX Account balance : {$0.00} Date of account open : XX/XX/XXXX Account name : XXXX  Account number : XXXX Account balance : {$0.00} Date of account open : XXXX XXXX, XXXX Account name : XXXX Account number : XXXX Account balance : {$620.00} Date of account open : XX/XX/XXXX Account name : XXXX XXXXXXXX XXXX Account number : XXXX Account XXXX : {$420.00} Date of account open : XX/XX/XXXX Account name : XXXX XXXX Account number : XXXX Account balance : {$15000.00} Date of account open : XX/XX/XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account balance : {$2400.00} Date of account open : XX/XX/XXXX Please delete the following 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
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, am a victim of identity theft, request removal and deletion of listed accounts on my Transunion credit report : DEPT OF EDXXXXE ACCOUNT NUMBER XXXX Open date : XX/XX/XXXX, XXXX OF XXXX XXXX ACCOUNT NUMBER XXXX Open date : XX/XX/XXXX, DEPT OF EDXXXX ACCOUNT NUMBER XXXX Open date : XX/XX/XXXX, DEPT OF EDXXXX ACCOUNT NUMBER XXXX Open date XX/XX/XXXX, DEPT OF EDUCATIONXXXX XXXX  ACCOUNT NUMBER XXXX Open date XX/XX/XXXX, DEPT OF EDXXXX ACCOUNT NUMBER XXXX Open date XX/XX/XXXX.
Product: Credit card

On XX/XX/2024, a transaction in the amount of {$1200.00} was processed on my account. On XX/XX/2024, a transaction in the amount of {$1000.00} was processed on my account. These transactions were unauthorized, and were disputed to the financial institution. It was initially ruled in my favor, and the transactions were reversed. However, the financial institution decided to change this decision and reverse the initial credit. I have made several attempts to contact the financial institutional over the past months, but have not received a proper resolution.
Product: Payday loan, title loan, or personal loan

On XX/XX/21 they ran two checks in the amount of XXXX and XXXX and sent my account in the negative and then turned around and ran two more checks on XX/XX/21 in the amount of XXXX and XXXX. Sent my account even more in the negative. This is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a fraud alert on my credit file on or about XX/XX/XXXX with the XXXX Credit Reporting company. I received an acknowledgement from the credit reporting company TransUnion on or about XX/XX/XXXX of the receipt of the fraud alert and it provided accompanying information on the method of receiving the free report associated with this status from the url fraud.transunion.com. This website was unable to process the request. A written request for the free report associated with the fraud alert was sent to TransUnion with the same documentary attachments requested of the free annual report. On or about XX/XX/XXXX TransUnion delivered another acknowledgement of the fraud alert on the account and its intent to inform the other two credit reporting companies of this alert. It has failed and refuses to meet its regulatory obligation of providing the free credit report. Please compel this company to meet its obligations and deliver the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have No proof I initated 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 unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furn
ish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 16811, 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 in accurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : ONEMAIN  on XX/XX/2021 I AM REQUESTING UNDER FCRA 605B THAT THESE INQUIRES ARE IMMEDIATELY REMOVED FROM MY CREDIT REPORT FCRA 605B ( 15 U.S.C. $ 1681C-2 ) ( a ) Block. Except as otherwise provided in this section, 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 after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. 
Thanking you in advance
Product: Money transfer, virtual currency, or money service

I use Money Gram to send XXXX XXXX to my parents back in XXXX on XX/XX/2019, with home delivery as service option. Today is XX/XX/2019, and my parents are still not yet to receive the money. I tried to work with MoneyGram, and already called them 3 times. But every time that they told me that they have no specific time of when they can resolve my issue, and told me to call back in 2 to 4 business days. They do not even to give me the case number. This company is a scam.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax allowed an UNAUTHORIZED entity XXXX do a hard pull to my credit file -- I DID NOT AUTHORIZE THIS.
Product: Credit reporting or other personal consumer reports

I recently submitted a complaint here about TransUnions MISMANAGEMENT OF FROZEN ACCOUNTS. Their response was knowingly deceptive. I can not unfreeze my account online - this has been the case for several years. TransUnion is aware that this is occurring for a LARGE NUMBER OF CONSUMERS but offers no definitive explanation. I see documentation on this website that they have been investigated for this at the federal level. Yet, they continue to mismanage our accounts at the detriment of individual consumers who did not choose to do business with them. Their solution offered was that I should call to unfreeze my credit report but calls get dropped when we attempt to unfreeze by phone. So, now you CAN NOT UNFREEZE ONLINE OR VIA PHONE - this is unacceptable. The items in caps are the main issue I want Transunion to fix. Unfreeze by mail is not an acceptable or reasonable option. I do NOT have this issue with XXXX or XXXX.
Product: Money transfer, virtual currency, or money service

In XXXX of 2023 an associate of mine sent me funds of {$200.00} and {$300.00} through XXXX as a payment. This associate later on and reported that they did not send the money to their bank. As a result my XXXX was XXXX. I have sent WellsFargo proof that the payments are valid with the person name as well as $ amounts. WellsFargo has not provided me with proof of an investigation or any findings that the money was NOT sent from the associate of mine. I feel if they reported this to their bank their XXXX should be XXXX, not mine. I did not commit anything fraudulent and have provided proof the payments were valid. 

Im requesting for me XXXX to be activated so I can transfer send and receive MY money freely as I have been for years
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, XX/XX/2019, and XX/XX/2019, I filed a proper dispute about XXXX XXXX XXXX with Experian with account number XXXX and contacted XXXX XXXX XXXX with a dispute with request for Each bureau reports a different date of last activity and account has been re-aged on this unknown account. I sent certified mail to XXXX XXXX XXXX twice on XX/XX/2019 and XX/XX/2019 to VALIDATE which they never response to this unknown account. XXXX  properly investigated and deleted off my credit report on XX/XX/2019. On XXXX XXXX, XXXX  properly investigated and deleted off my credit report. Experian refusal to properly investigate or properly mark this account as in dispute as is in violation FCRA and FACTA. I included a copy of this unknown account being deleted off my XXXX  and XXXX  credit report. My next step will be to file a small claims in court with Experian for violating the FCRA and FACTA laws.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXXXXXX - XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX - {$580.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$6000.00} XXXX XXXX XXXX XXXX  XXXX - XXXX - {$1000.00} XXXX XXXX XXXX XXXX XXXXXXXX - XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XXXX XXXX {$8400.00} XXXX XXXX XXXX - XXXX - XXXX - {$27000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$1800.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX - {$4900.00} XXXX XXXX XXXX - XXXX - {$0.00} XXXX XXXX XXXX - XXXX - {$0.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

This has been an ongoing and none stop, now harassment commutation tactics by Citibank, after several complaints filed with the department of consumer affairs and after sending cease and desist letters via certified letter with signature return confirmation received. Citibank in past complaints, has responded with letters of, they will stop any further communication and attempts to contact me after each complaint filed and even mentioned the receiving of the cease and desist letters Ive sent. Now, AGAIN, today XX/XX/XXXX I received ANOTHER communication letter from Citibank as to an alleged debt that I have already sent a cease and desist letter in prior incidents as well as documentation of such in complaints with the department of consumer affairs as proof. This recent communication letter as to an alleged debt from Citibank again, dated XX/XX/XXXX and received today, XX/XX/XXXX is just outrageous, unethical, illegal and ignores Federal Fair Debt Collection act that protects consumers like me from this kind of abuse and intimidation tactics by a company Citibank. This is the 6th time that Citibank has violated my consumer rights under the federal government laws that protect consumers
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Hello my Robinhood account was closed just because I transferred {$100.00} from XXXX to Robinhood I verified my info when needed and they closed it and sold everything and gave me my money back which is frustrating I couldnt made so much due to XXXX going up and for my XXXX IRA they said I have 2 months to transfer it and I did with XXXX but Robinhood restricted the transfer and XXXX said contact them and tell them to accept the transfer. Which other did not respond they immediately close my cases and I cant talk to a real person this is unjust and illegal and I want my money back I may even throw a lawsuit in as well.
Product: Credit reporting or other personal consumer reports

I was a victim of the XXXX data breach that happened some time ago. I noticed some irregularities on my credit report recently. One of the irregularities that I noticed was that there was a hard inquiry on my credit report from a company called XXXX XXXX XXXX. Now this information is false as I never applied for any loan or credit products from this company. I have therefore filed an identity theft affidavit with the Federal Trade Commission. I have attached a copy of the identity theft affidavit with this submission.