23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$4000.00} XXXX XXXX XXXX Balance : {$990.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance XXXX {$120.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$4000.00} XXXX XXXX  XXXX Balance : {$990.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXXXXXX Balance : {$990.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$970.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX  XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

XXXX Wire transfer fraud on personal checking account XXXX Amount of wire transfer fraud was {$1500.00} XXXX phone call to inform Citibank wire fraud department XXXX Walked in to local branch # XXXX to change checking accounts XXXX Called Citibank wire fraud and spoke to XXXX ( fraud prevention specialist ) and she said that they had opened a case # XXXX and that I should file a FBI report. 
XXXX I filed an Internet crime complaint ( XXXX ) XXXX I called Citibank Fraud department and spoke to the dispute department ( XXXX ) Was told that they were working on the wire fraud XXXX I called Citibank fraud department and was told that I would not getting my money returned and that I should look at getting an attorney. 
XXXX I spoke to XXXX XXXX XXXX XXXX in XXXX CA and she would follow up on the wire fraud investigation XXXX I went into Citibank branch bank and spoke to XXXX XXXX bank manager about the wire fraud and was told that there was nothing he could do at his level that it was in the the hands of the fraud department, and unfortunately it looked like i would not be getting my money back XXXX XXXX from Citibank wire fraud department ( ( XXXX ) XXXX option XXXX ) called me to verify the wire fraud and if I had filed an affidavit of unauthorized on line wire transfer and told her that I had not filed or had knowledge nor was told of this claim procedure XX/XX/21 - I went into Citibank branch # XXXX and filed an affidavit of unauthorized on line wire transfer. 

XXXX wrote a complaint letter to XXXX XXXX Citibank CEO regarding wire fraud and how unhappy I am with the process, progress and resolution.
Product: Credit reporting or other personal consumer reports

Ive noticed that my credit report contains incorrect personal information, which has led to unknown and inaccurate accounts being associated with my credit profile. This is unacceptable and requires immediate attention.
Product: Debt collection

XX/XX/XXXX - I received collections notice from Nelson & Kennard Ca Attorney office. 
XX/XX/XXXX - I immediate responded with a request for documented proof. 
XX/XX/XXXX - I received a packet of the credit card charges and the account details but no further proof it was my debt. 
XX/XX/XXXX - I responded in more detail requesting correlation to my identity such as social security number, DoB, Middle Name. I also stated the billing address for the account was never my residence. 
XX/XX/XXXX - I was served with a lawsuit for the debt with no further proof it was mine. 
XX/XX/XXXX - I retained a Lawyer and provided them with all documents pertaining to the matter. 
XX/XX/XXXX - I completed an FTC identity theft report, however, I do not believe this is identity theft and instead I am convinced this is the negligent practice of Nelson & Kennard, having performed XXXX due dilligence in proving the debt is mine. 
I will be filing a formal complaint with the state bar regarding the behavior of Nelson & Kennard, Law Office.
Product: Debt collection

I canceled service with XXXX and had a {$220.00} credit balance on my account, when they refused to send me a refund check, so I called my bank and denied the charge, then a few days later I got a check in the mail from XXXX which I cashed and got my credit card company to drop the charge-back. However, now XXXX is charging me back for another {$220.00} and send this to a collection agency which is threatening to ruin my credit.
Product: Money transfer, virtual currency, or money service

Dear Executive office, Chase Bank mail code XXXX XXXX XXXX XXXX XXXX, OH XXXX   Re : Additional information to poof the funds deposited in Chase Account.

Reference is made to your letter dated XX/XX/2018 which you requested me to provide with you more information, before you can research my request.In additional to the bank statements, national identity card i sent to you on XX/XX/2018 i have now included the proof of funds deposited into Chase Bank which stripe deposited in my account for your verification and your urgent action.
Product: Debt collection

Trident Asset Management collection agency has been reporting a debt of {$750.00} OPEN, which the original creditor XXXX XXXX acct # XXXX Was opened XX/XX/2018, has been paid/closed/ written off, with a balance of XXXX. Their incorrect reporting practices has affected me adversely. Their actions are not in compliance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPLAINT on XXXX, Equifax, XXXX : My wife and I are senior citizens. We have submitted information to have changes to show combined income but nothing happens. Jointly, we have an income of {$72000.00}. However, the reporting agencies show me at {$32000.00} and my wife separately at approx. {$30000.00}, which first of all is incorrect in amounts. BUT the main concern is that My debts are reflected in her income and her debts reflected in my income level. Therefore, the debts ideally are considered twice lowering both our scores. It seems that if both of us are responsible for the same debts then the total combined income should be used when doing so. What they are causing is an imbalance of our debt to credit percentages which poorly reflects our credit worthiness when these reports are pulled for service to us. Please help us with having this considered and adjusted. Thank you.
Product: Debt collection

The original debt took place on XX/XX/XXXX  ( that was the date of the last invoice that I never did receive ) The last amount owed on  XX/XX/XXXX  was {$880.00} From XX/XX/XXXX  to  XX/XX/XXXX , I received no communication with original debtor on amount owed. After almost six years I had the {$880.00} amount show up on my credit tracker as a debt in collections, by a second party, original creditor sent to collections to Keystone Collection Agency. I tried disputing the charge on  XXXX  but with no luck. Now one year after it being on my credit I received a letter stating that " for complete credit removal '' pay the amount above. The amount disclosed in the letter I received today  XX/XX/XXXX  is for {$1700.00}. In my original agreement with the first creditor does state that " Accounts over 60 days past due will be charged finance fees of 18 % per year ''. Well since he took over five years to even send a bill, the first 18 % interest charge would be due now. However, {$880.00} x 18 % = {$150.00}. I am very confused to where the difference of {$700.00} comes in. That is a very large amount of money to try and get payment for with no source of to why it is owed. I am attaching my original debtors invoice, along with the letter I received today.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX after hearing of Equifax 's breach I visited their site and entered information ( name, last six of my social, etc. ). After receiving a prompt that my my credit information may have been affected I started the process of enrolling in the one year " free '' monitoring service. After receiving a email a week or two later I thought I created a account yet received error messages. I contacted both equifax and trustedID for assistance. On XXXX I received a email stating I have a account but needed to re-set my password. I did and received a error message that set up failed. All information, employment, credit, etc was blank. No link regarding credit monitoring was found. I called Customer Care Team at : XXXX who advised me to call XXXXXXXXtrustedid who advised me to call XXXX. I feel equifax is making the process of monitoring ( due to breach XXXX impossible.
Product: Student loan

I got XXXX XXXX loans with XXXX XXXX, after a couple of years my loans were taken over by Navient. I have been paying on my loans every month even after the Cares Act was enacted in XXXX. Apparently out of {$1.00} TRILLION of student loan debt my loans don't qualify for the stimulus.
Product: Credit reporting or other personal consumer reports

" XXXX often deems the account as accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. ''
Product: Credit card or prepaid card

Last year Capital One closed my XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) unexpectedly for one reason : activity that is not consistent with the banks expectation ... I had purchased tires online as a gift for my son, whose father had recently died in his arms. This is what they closed my rewards card for. Never a late payment ; never over the limit. Last month, I decided to open another card with Capital One based on being prequalified for two of their cards. After applying, they congratulated me on the card, sent an email when to expect it in the mail. When I went to activate the card, the day I received it, I was sent to a representative. This person said it was bad. I immediately felt offended. Bad, how? He said my account was closed. I asked how could that be since I just received it, and was trying to activate. Instead of giving me a reasonable answer, he gave me the run around, acting like I did something criminal. In fact, I told him that I was offended, and this whole thing was humiliating to me. Why approve me for a card and then close it before I even used it? Heres more issues : I took another 4 point reduction on my credit score for applying after they prequalified me ; now Im waiting on another hit to my score due to a card I never used being closed by them not me! All this because I purchased tires for my son?! That is inconsistent expectations? Are they stalking every purchase? I do nothing illegal, Im a tax paying home owner ... I stand extremely offended. Not only did Capital One close one account for inappropriate reasons ; they closed two. Furthermore, the representatives were extremely demeaning and I do not appreciate being condescended to that something bad showed up on the computer screen! A tire purchase is the only think I could think of. They were over {$500.00}, but I paid them off right away. Other purchases were typical. Groceries ... gas ... I have had enough of Capital One. Their actions have cost me a lot of damage to my credit. Please help. Thank you in advance! XXXX XXXX
Product: Mortgage

On XX/XX/2021 I proceeded to apply for cash-out re-finance mortgages for three of my investment/rental properties located in Texas with PNC Bank. The reason I selected PNC Bank is because PNC is the mortgage holder for two of my investment/rental properties in Iowa, and so I thought I would start with PNC to see if they offered a loan product to fit my need. 

I spoke with XXXX XXXX " XXXX '' XXXX XXXX, XXXX # XXXX, at PNC who told me that PNC does in fact offer cash-out re-finance mortgage for investment properties in Texas, and so I proceeded to go through PNC 's mortgage application process for my three Texas investment properties. XXXX phoned me on Monday, XX/XX/XXXX, to tell me that my loans were in underwriting and that everything was moving along as planned. In fact, on XX/XX/XXXX and XXXX XXXX of my three properties had the onsite appraisal inspection done. 

It took me by complete surprise when I received two auto-generated " Statement of Credit Denial '' from PNC Bank via XXXX on XX/XX/XXXX informing me that the reason for credit denial is " [ Does ] not offer terms requested ''. I phoned XXXX XXXX after I emailed the scanned copies of the credit denial statements asking him what this is about since only a couple of days earlier he called to tell me everything was moving forward and in underwriting? XXXX told me it's because Texas law does not allow cash-out re-finance loans on investment properties, which is completely untrue. Then XXXX told me that PNC Bank does not offer cash-out re-finance loans on investment properties in Texas. I asked him why he didn't tell me this when we started the process of having me apply to PNC Bank for three cash-out re-finance mortgages?! XXXX told me that he didn't know that PNC Bank didn't offer this type of loan in Texas and that PNC Bank 's system didn't catch it any sooner either. 

I made it clear to XXXX XXXX that because this was his and PNC Bank 's error, which has now cost me more than a month of time and interest rates have gone up since then, that I expect a full refund of the three appraisal fees that I paid for XXXX totaling {$2000.00} ) plus the credit report fee of {$31.00}. XXXX told me he would have to speak to his manager, and that it would take time - probably weeks - before a refund would happen. I made it clear to XXXX that a refund of my {$2000.00} should not take PNC Bank weeks to complete. It should be as simple of refunding my debit card charges. 

Although XXXX XXXX thinks I should trust him to get my {$2000.00} refunded in due time ( whenever that is ), it's incredibly unrealistic to think that customer should trust him to refund money when he isn't at all clear on what loan products his employer offers, nor does PNC Bank have systems in place to flag loan applications for a mortgage product they don't offer before actual appraisals are being performed onsite at the properties. 

This whole situation has become an unprofessional fiasco and I simply want a refund of my money that PNC Bank should have never charged me for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a letter to Equifax on XX/XX/2022 requesting to investigate and verify the Accuracy of the accounts on my Credit Report. These accounts ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, ) are reporting erroneous information on my File. Despite the previous written requests sent to Equifax, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of these accounts. It is unacceptable to continue reporting these accounts as unconfirmed information without producing proof within the time allowed by law. By the provisions of the FCRA, I urge Equifax to investigate the erroneous accounts and have them corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive your response to my previous claim against your company. See Attachtment documents, 2 other banks and Transunion made a full investigation about my claims against their company and came to the conclusion that my identity has been compromise and fraud aplications were made under my name. These companies immidiately remove their inquiry from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX This problem that I am presenting in this office comes from the year XX/XX/XXXX and in XX/XX/XXXX bring to the court to the company XXXX XXXX by reporters a payment of bad faith that was not made and that indeed if it was done. This case I do not know how long it can last in court but I ask that my XXXX XXXX and my wife XXXX XXXX fix that account of the credit companies XXXX, XXXX and Equifax. Any question can call XXXX XXXX XXXX at any time.
Product: Debt collection

Upon reviewing my credit report i noticed a collection from XXXX XXXX XXXX. I am not sure how that is even possible. I have never been contacted by nor have i EVER done business with XXXX XXXX XXXX. I would like to take ADVANTAGE of my right as a consumer and dispute this account. XXXX XXXX needs to remove this account until i am able to dispute and they 're able to furnish me debt validation where i agreed to do any business with them hence owing them any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} ; XX/XX/XXXXXXXX XXXX XXXX XXXX - ; XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1700.00} ; XXXX  XXXX XXXX XXXX {$310.00} ; XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$270.00} ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/2022.
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 initiated 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 furnish 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 1681i, 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 inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly dele
Product: Credit card

PayPal signed me up for a {$5000.00} credit line as I was simply trying to check out and pay directly. I attempted to call and have the credit card reversed and pay with my existing credit card from another bank. PayPal mentioned I could payoff the line and close it, then file a complaint, but they could not remove the opening and closing of my line off of my credit report. Now, this is listed and causes a downgrade on my credit reporting score. The fields I out to close and pay for services are deceptively placed so by the timeline pays for a service, they do n't realize they have just signed up for a credit card.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and u protected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

XXXX and XXXX. XXXX XXXX has garnished my wages for the past three months, for a debt that has been settle and paid for. this debt was acquired by two parties, and one the parties went to court, settled the debt and paid for it in full, in installments of {$50.00} per month, this debt was paid back in 2019.