23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had several issues with XXXX card. First, out of the clear blue, I was being asked to provide my tax returns my 1040s for no reason but to keep the card opened. This information was already verified when I applied for the card, and I refused. Thus actually violated the FCRA and regulations with regards validation before approving the account. XXXX and XXXX were sued class action for this same breach of contract. Also, there were several purchases made on the card that I tried to dispute because u did but make them, and they refused to take my dispute. We got hit with hurricane XXXX in the end of XXXX, and had not heard anything from XXXX. All of a sudden this past XXXX I received a letter from a XXXX XXXX XXXX regarding a case number on the docket that I had no idea about. So I called and found out it was thus firm Lloyd and MC fadden, who state that a case had been filed in XXXX, I never ever received anything from XXXX XXXX this firm that I was even being sued for anything past due. The firm claims that I was sent letters back in XXXX and XXXX regarding a suit going to be filed and I received nothing. I didn't get served until a couple of weeks ago on a case that was filed in XXXX that I had no idea about, and I never received any letters from anyone like they claim in XXXX and XXXX. I have tried and have attempted to contact them to exercise my rights to validate the signature and contract with the original creditor, for which they have not even called me. I was never notified ur advised at any point until I contacted them that I had a suit, XXXX was I advised that have the right to dispute this. I can't reach anyone by phone it email or by regular nail. I want the matter removed off of my credit report and off the system in courts I was never told if any of this and until I received that solicitation letter from third party that had a XXXX  number on it, I would never have known about this. My civil rights ere violated and I demand my rights if dispute and for them to verify the original signature and validate this debt.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting the significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate the claims adequately. They informed me that retrieving lost funds were impossible and that tracking these transactions were unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect customers but also allowed repeat offenders to exploit the system leaving customers vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2015, I submitted payment for my XXXX mortgage via the only option that XXXX XXXX made available to me for sale day payment -- XXXX XXXX. I have a receipt that I paid the mortgage on XX/XX/XXXX at XXXX and that the money woudl be delivered in minutes. For whatever reason, XXXX did not process the payment for an additional day, thus they claim I was late with my payment. I have attempted repeatedly to have them correct the erro, without success. Thier default is  that its not when I pay but when they process -- however, I can not control how fast they process -- only when I deliver the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has reported a Lien on my account. 

The Company in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX. filed a lien on a fraudulent charge made in XX/XX/XXXX with their client XXXX XXXX XXXX in amount of {$940.00}. 

This merchandise was purchased by an individual in XXXX, Fl. I do not reside in that area of Florida. The original purchase took place on XX/XX/XXXX and my first notice of the lien was on a credit report dates XX/XX/XXXX. 

I have never received invoices, statements or advise of Lien from the parties involved.
Product: Credit card or prepaid card

On or around XX/XX/2019, I logged into AMEX online account to review my account. Upon reviewing my account, I noticed several transactions performed on my account that were not authorized by me between the dates of XX/XX/2019 and XX/XX/2019 for a total of {$190.00}. The following represents transactions that I am aware of or provided consent to anyone to conduct on my behalf : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally file a complaint against XXXX for conducting a hard credit inquiry on my credit report without my authorization, and with the apparent intention of opening a line of credit without proper disclosure or obtaining my explicit consent. 
On XX/XX/year> ], I completed a Contract for Membership for my floral shop XXXX XXXX XXXX XXXX  However, shortly after, I noticed that a hard inquiry had been conducted on my credit report by XXXX, which has negatively impacted my credit score. At no point during the ordering process did XXXX XXXX of XXXX disclose that they would be performing a hard credit inquiry, nor was I asked to complete a credit application or sign any authorization for credit assessment. 
I am deeply concerned by XXXX lack of transparency and believe this practice is unethical. The unauthorized inquiry has affected my credit score and placed an unnecessary blemish on my credit report. It also raises questions about XXXX data privacy practices and how they handle sensitive customer information. 
I request that XXXX : Immediately cease any unauthorized hard credit inquiries on my account or others ' without clear customer authorization. 
Remove this hard inquiry from my credit report immediately to restore my credit score. 
Provide a clear explanation of how and why this inquiry was initiated without disclosure or my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorised hard enquiries on my credit report on my XXXX credit report needs to be deleted 1 ) XXXX XXXX dated XX/XX/XXXX 2 ) Corelogic Credco dated XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX dated XX/XX/XXXX Unauthorised hard enquiries on my credit report on my XXXX credit report needs to be deleted 1 ) XXXX XXXXXXXX dated XX/XX/XXXX 2 ) XXXX XXXX XXXX dated XX/XX/XXXX 3 ) Credco Corelogic dated XX/XX/XXXX XXXX
Product: Checking or savings account

Early Warning has a couple accounts listed on my profile Early Warning that's from XXXX  XXXX XXXX as well XXXX XXXX with totally different social security number then what was giving to me at birth. But Early warning has place them on my report without doing their on research which they would have caught it because my ss starts with XXXX not no XXXX so I'm requesting Early Warning to remove these accounts from my profile on their system or a lawsuit will be file on my behalf. Which i never knew one can have 2 social security numbers i have proof of my social security card as well when i received it from the Social Security office. I spoken with XXXX XXXX they are still stating its mines but cant provide proof its mines nor can they confirm that the social number is mines which i gave them my numbers and also offered to go into their branch with my information but they stated its not needed. XXXX  XXXX XXXX sent me letters out stating its not mines and that i didn't nor don't have account with them at all as i went into XXXX XXXX XXXX branch with my information and they couldn't match nothing to me. But Early Warning has it as mines on their profile for me. Early Warning is tying other people information on my profile which i need removed and a new copy of the report sent out to me asap with the correct information that's not reporting XXXX  XXXX XXXX and XXXX XXXXl on my profile. Attached is a letter from XXXX XXXX XXXX stated that their not reporting under my name but Early Warning is reporting under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has obtained inaccurate information from a third party vendor called XXXX. The information that XXXX sold to Experian was totally incorrect. XXXX realized their mistake and deleted this information. I have sent Experian a certified letter asking them to remove these dismissed Bankruptcies because XXXX has determined that the information was wrong. I have yet to hear from Experian. Enclosed is the proof of my letter, proof that XXXX removed the incorrect information and proof that XXXX is in fact the third party vendor that supplied this false information to Experian.
Product: Credit reporting or other personal consumer reports

Wells Fargo is reporting an account as a charge off on my credit report. They have not provided a 1099 to support their claim. If they have already received funds for this account via insurance, then this is subrogation. 

Further, I never received all disclosures or was informed clearly and conspicuously of my rights pursuant to 15 usc 6802 It was never explained to me that reporting this account to my credit was consensual. I was never told that Wells Fargo would traffic, transfer or sell my information to breach-prone companies where my information would be compromised which violates The Protection of Non-public Information laws.
Product: Checking or savings account

I had a charge that was pending on XX/XX/2019 I transferred funds from one of my checking accounts to the checking account that had a pending charge. I checked my account after midnight and it showed a {$0.00} balance. I had my payroll got into the same account and checked again today XX/XX/XXXX first and seen I was charged a insufficient funds fee. I have had my problems with this bank charging me multiple fees and not wanting to credit them back. I put funds in the account to avoid a insufficient funds fee and still was charged.
Product: Checking or savings account

Weve received your complaint. 
Well send you updates about your complaint along the way, but you can track the status of your complaint at any time on your Consumer Portal. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 Follow up. 

Capital has block all use of my debit and credit online. They refused to act swiftly to cance the XXXX hackers when I reported it within 24hrs and they said they could and didnt. They also obstructed evidence I sent by purposely avising me to email the wrong email ( XXXX ) Then they said they will call me in 2-3 this past week when I escalated the denied claims which took them longer than 10business days to sort out and they sent me no provisional credit after I was promised credit on friday the first week in XXXX Now I can no longer call anyone because I dont have a working checking, debit, or credit card all because of capital one misdirection and obstruction. I have fallen ill due to allthis and soon will have to goto hospital for an XXXX  XXXX  overload on myself and my family. I have XXXX  2x this week in my own home with the ac on due to XXXX  from capital one and hurt my head.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit card or prepaid card

Dear sir/madam, XX/XX/ I am writing this to complain about Citi-Bank credit card ( XXXX XXXX ) I have applied for Citi-Bank credit card and received my card on XX/XX/. I followed the website and invitation number that the company provided me. The document written as : I am pre-selected to apply. Apply in this particular webpage, after approve, receive 0 % APR for 18 months and {$200.00} reward after spending {$500.00} within the first three months of account opening. The document is uploaded. 
After, I received the card, I activated it and started to spend money hoping to get the reward. 
After I reached their requested goal, I called the company and ask them to honor the {$200.00} reward. 
Their customer service told me, I am not qualify for this reward since I have a XXXX XXXX card. She said : I shouldve applied for XXXX  card! Only customers with XXXX  card will receive this reward. 
I told the customer service, I have applied for the card that your company has directed me according to the paper that they mailed me with the webpage and invitation number. 
Their customer service told me to send the document to the following address : XXXX XXXX XXXX XXXX XXXXXXXX, SD XXXX. 
After few weeks, I called them back to follow up. Their customer service transferred me to the supervisor. He told me, I should email the document to the following emails : XXXX & XXXX I provided anything they were asking for. 
I pursued the matter, finally, their application department told me somehow my application was overwrite and they sent me the wrong card. I am assuming, this conversation has happened over the recorded line. The application department did not know the reason for sending me the wrong card? And why they overwrite my application? 
I brought this issue to three more different supervisors. Although, they were polite and courteous, but they had no power!!! The third supervisor, XXXX told me she will make sure to give me an offer that satisfies me. 
Few weeks later, the last supervisor, XXXX, told me that theyve already made the decision that I have to re-apply for XXXX card. She had No explanation, why? 
My argument is that : It is their mistake and they sent me the wrong card. I followed their direction. For consumer, this is misleading!!! I trusted them, assuming that they sent me the right card, so I started to use the card to achieve the goal. They should honor the reward. 
The Citi Ban wants to disregard their mistake and they are blaming it on the customer!!!!. They are telling me that I used a wrong webpage!!! I show them the proof that I used the right webpage, but all they say : I am sorry the Application offices came to the conclusion that I need to re-apply ( These are in the recorded line conversation ). I told them, your application department acknowledge their mistake!!!! 
Now, my request is : They should grant me 0 % APR for 18 months and {$200.00} reward. 

Thank you for your time and XXXX XXXX XXXX 
XXXX, XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I took a title loan in XXXX and haven't been able to pay it off. I'm paying XXXX XXXX a month for the last two years. I'm living on XXXX and in order to pay this off I would become homeless.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

ChexSystems is showing that I have a derogatory public record on file. This is not the case and the case has been given a " Full Satisfaction of Judgment '' ruling, XXXX2015
Product: Payday loan, title loan, personal loan, or advance loan

Please Note that : THIS IS NOT A COMPLAINT AT ALL. I used CFPB as I promised to be transparent with your company to send you NEW documentation from the FTC with Police Report for your reference to keep under my FILE from BHG. You can close this so-called complaint right away after gathering the attachments. Thank you for your understanding and consideration AS ALWAYS. BHG is the ONE & ONLY GREATEST COMPANY THAT I HAVE ENCOUNTERED SO FAR! KEEP UP THE GOOD WORK AND PROFESSIONALISM!
Product: Mortgage

My name is on a mortgage still owned by by ex-wife. She did not receive notice of a change in escrow. Her payment was on time but was short by {$140.00} dollars and late only until the error was noticed ( about two weeks ). The bank refuses to remove the " over 30 '' hit to my credit report. the over 30 hit on my credit is making it impossible to refinance my new property which I need to do by contract before XXXX 2017. Her payment was on time and has never been missed. She did not receive notice in change in escrow and therefore was short by the increase in escrow change. The payment was on time and the " over 30 '' hit on my credit will make it impossible for me to refinance before XXXX 2017, causing me severe financial harm to me and possibly the loss of the building which was owner financed with a 2 year window to refinance.
Product: Checking or savings account

Navy federal is currently in an open lawsuit for members who had a checking account between the years of XXXX and XXXX which I did. This bank was letting my debit card transactions go thru knowing the funds were not in the account just to charge me an overdraft fee. In addition, there were discrepancy concerning my connected XXXX account to my checking account that also created over draft fees
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX - XX/XX/year> The following inquiry was not authorized and should not be reporting XXXX  - XX/XX/year> The following inquiry was not authorized and should not be reporting XXXX  - XX/XX/year> The following inquiry was not authorized and should not be reporting XXXX XXXX - XX/XX/year> The following inquiry was not authorized and should not be reporting XXXX  XXXX - XX/XX/year> The following inquiry was not authorized and should not be reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous inquiries from the same companies when I've only given them consent to run a credit report once. XXXX has FOUR separate inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I only asked for their services XXXX time on the first date. I have a XXXX XXXXXXXX credit card and I've only applied once, but I have TWO separate inquiries from XX/XX/XXXX and XX/XX/XXXX. I only called XXXX XXXX on XX/XX/XXXX to ask questions about their options. My credit should've never been evaluated. Lastly, I never gave a consent to XXXX XXXX on XX/XX/XXXX to run my credit. It's a credit repair company that I never used as I have been attempting to repair my credit on my efforts. XXXX has 7 inquiries and Equifax has 8. The numbers don't even match each  agency, and the random credit runs were unnecessary actions.
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. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX, XXXX. 
Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX 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

I'm reviewing my credit report as I feel is very important. 
So you are telling me you got on the phone and called each creditors and send aIl my docs and youd did a fu ; ll comparison between what i saying and what they send to you and you found they were correct? I highly doubt it. 

XXXX XXXX XXXXXXXX Acc # XXXX ... 
XXXX XXXX - Account Number XXXX XXXX Card - Account Number XXXX XXXX Card - Account Number XXXX XXXX XXXX XXXX - Account Number XXXX XXXX - Account Number : XXXX Delete the above and send me a new report. 
And last and more concerning is my XXXX XXXX XXXX account XXXX, I paid my XXXX XXXX on time every month but your reporting shows as a negative account. Last Payment made on XX/XX/XXXX Account Closed on XX/XX/XXXX Pay Status shows ( Paid As Agreed Never Late. 

This is proof you never really verified this account at all. Update Update this account to shows as positive as it should be