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

I was followed by an XXXX account named " XXXX ''. This account claims to be selling authentic sneakers. XXXX creates posts daily, inquiring its follower to guess the shoe size of a particular sneaker in a picture. If guessed correctly, the shoe would be sold at that price. After guessing the price I was informed that my quess was correct and that he would sell me the shoe. Since the price was very fair I inquired about buying multiple. I sent over {$1100.00}, I was provided his XXXX information such as the name " XXXX XXXX '' and the phone number " XXXX ''. After sending the money on XX/XX/XXXX I was informed the shoes will be shipped out shortly. The following day I suspected this seller to be fraudulent and that I may be sold counterfeit sneakers. I inquired the seller about potentially buying more sneakers from him but can only do so if he can temporarily send me the money back in order to use those funds to get more. I did this in attempt to recover my funds. He said that he will send out these batch of sneakers the following day on XX/XX/XXXX. Shortly he provided me a fake USPS tracking number " XXXX '', I knew this was a fake tracking number because a valid tracking number would say it has been created and whether it has been scanned by a USPS facility yet. The number that was provided to me states " Information available soon '' and still states that till this day. In the evening of XX/XX/XXXX I contacted my bank informing them that I was scammed and they have started their investigation. 
All transcripts can be provided from XXXX chat conversation. 
Doing a reverse search on the phone number it points to the owner XXXX XXXX who is using XXXX XXXX carrier service. I am suspecting XXXX XXXX to be scamming under the name XXXX XXXX which seems to be his nephew. 

XX/XX/XXXX I created a police report. 

XX/XX/XXXX The XXXX account mentioned the following in a story post " Also we are hiring today looking for assistants!! I If you are chosen for the position you will be paid daily | no prior experience required | Must be in the United States | Online Position '' Scammer account seems to be recruiting more folks for its fraudulent operation. 

XX/XX/XXXX Submitted XXXX cyber crimes FBI report XX/XX/XXXX Bank of America denied claim XX/XX/XXXX Requested full documentation for Bank of America investigation Submitted complaint to state attorney
Product: Money transfer, virtual currency, or money service

XXXX was sent to XXXX  XXXX XXXX ( a scam school ), I didn't realize the school was a scam and the bank should have given me an alert or signal about this fraudulent school. If a banker had pulled me aside and just discussed it with me. I might have made a better decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting XXXX XXXX XXXX date opened XX/XX/2020 in the amount of {$310.00}. This information is incorrect. This is the date XXXX XXXX XXXX purchased the account from the original creditor.
Product: Checking or savings account

Capital One Bank/ Credit Cards The bank closed my account without notice, never sent funding back. Had to file bankruptcy chapter XXXX to resolve issue the issue is now reoccurring and my name has been sent to authorities without my knowledge and have been incarcerated and dismissed because of the situation. I have contacted the better buisness bureau and filed a complaint. There seems to be an issue with social security number, collections and debt to ratio as well as re-establishing credit.
Product: Checking or savings account

The attached letter to Citizens Bank documents the closure of my personal checking account, which has resulted in my inability to pay my bills. The account has or had exactly {$3900.00} at the time of the improper closure of the account, as I had deposited {$3100.00} into the account at XXXX on XXXX XX/XX/2022 with a bank teller, who gave me a deposit slip for the transaction ( my bank card was used/swiped for the transaction ). Soon after I left the bank, I went to a local baker to purchase {$15.00} worth of bread, and my card was rejected three times. I called my branch manager, as indicated in the attached letter, and she said the card was shut down, but said it was nothing to do with anything she or her teller had done, and that I should call the bank 800 number. This has happened the previous month as well without explanation from Citizens Bank, and a new card had been issued, but this time when I put the card number in, there was no fraud alert. Instead the 800 automatic service said there was no such account at all. I was then placed on hold for some time until a Citizen 's customer service representative came on, and told me my account had been put on " hold '' for review and that someone from " the Director 's Office '' from the bank would be in touch with me within 2 business days. I asked to be put through to the Director 's Office, and they said that wasn't possible, and that there was no phone number to call directly. The rest is set out in the attached. It is now 4 business days, since this occurred, and I have had no contact from the bank at all, no email, no mail, no phone call from any representative from the bank, although I emailed the attached letter on the morning of XX/XX/2022 to the VP in charge of Branch Services, and to her boss. Neither has replied to my email or letter, and I have also overnighted the letters. Needless to say I'm in shock. I don't know what has happened to my money or my account, and the bank, which has published office numbers that don't work, has not contacted me at all. I don't know how to pay my bills or what is happening at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Primary holder Deceased Information was reported on my credit file not knowing the outcome of the mortgage
Product: Debt collection

1 ) ACCOUNT & DEBT NOT MINE, RELATED TO IDENTITY THEFT, 2 ) REMOVE ACCOUNT FROM PERSONAL INFORMATION AND ALL CREDIT BUREAU REPORTING AGENCIES 2 ) BERLIN WHEELER ACCOUNT XXXX NOT MINE 3 ) XXXX  ACCOUNT RELATED TO COLLECTION ACCOUNT, NOT MINE 4 ) I COMMUNICATED THIS PREVIOUSLY IN WRITING, ON XXXX STILL HAVE THIS ACCOUNT BEING COLLECTED ON
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Complaint Regarding Debt Collection Practices** Dear CFPB Team, I am writing to file a formal complaint regarding a debt collection account that I believe is in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c.

Account Information : Collection Agency : The Receivable Management Date of Collection Notice : January 12, 2023 Details of the Complaint : 1. Violation of 15 USC 1692c : According to 15 USC 1692c, debt collectors are prohibited from contacting a consumer if they are represented by an attorney or have requested in writing to cease communication. In this case : - I have previously sent a written request to the collection agency asking them to cease communication with me. ( Include the date of your request and any relevant details. ) - Despite this request, the collection agency has continued to contact me, which I believe is a direct violation of 15 USC 1692c.

2. Impact : These continued communications have caused undue stress and inconvenience. I believe that the collection agencys actions are not only inappropriate but also illegal under the FDCPA.

3. Resolution Sought : I request that the CFPB investigate this matter and take appropriate action to ensure that the collection agency ceases all contact with me as required by law. Additionally, I would like the CFPB to assist in removing the collection account from my credit report, as the agencys actions are in violation of the FDCPA. 

I appreciate your prompt attention to this matter and look forward to your response. Please contact me at ( XXXX ) XXXX or XXXX if you require any additional information. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Mortgage

Every month my statement comes later and later. My first payment was sent to my previous address and took over 3 weeks to reach me. Every month my statement is dated the XXXX of the month, I NEVER receive it before the XXXX or XXXX of the month. This month it is already the XXXX and I have NOT received my paper statement. I have called and all they want to do is take my payment over the phone or for me to do it online. I DID NOT sign up to do it that way - I want to make my payment in a timely manner through the USPS! They are making it almost impossible to do this since my payment is due on the XXXX of the month - I now only have 1 week to make my payment! If they have 'glitches ' in their mailing system, they need to address and CORRECT it! My payment is received and processed by them within 3 days of me mailing it - so I highly doubt that the issue is with the USPS!
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 the platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with 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: Mortgage

My XXXX XXXX. was sold to a company called SLS, LLC. Since the onset in XXXX 2015, it has been a nightmare. 1. I could not get my mtge. paid to XXXX as I got the notice after the XXXX of XXXX 2015. I went to XXXX to make my regular mtge. payment and they could not accept it but also, could not tell me my new account information. 
I got the SLS info when I returned to the stack of mail. I called them and they did not have an account # assigned yet. I sent the payment in ( late ) and that has lead to a whole set of problems. 
The current situation is they have stopped sending me a monthly remittance/advice to use to send in a payment. I have been just sending in the check and using the account information given. I have just received a XXXX statement dated XXXX on the day of XXXX in todays mail! It is asking for XXXX on a mtge. amount that is XXXX, they have had it XXXX since day XXXX. 
What I need to happen:1. Who holds my mtge. 
2. I went through the HAMP and for the next 5 years I have a mtge. that can not be changed and/or sold. How did this happen? 
3. I want XXXX to take back the mtge. from SLS, LLC4. SLS has a unscrupulous reputation - how are they allowed to operate? 
5. Is there a class action lawsuit pending against SLS? 
6. If not why and when can I start one? 
SLS loan # XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, CT XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to formally dispute the denials of both my XXXX Line of Credit and XXXX Business Loan applications, issued through XXXX. These decisions were based on inaccurate and outdated information in violation of federal and state regulations. I request that these matters be investigated and reconsidered. I also want to highlight that the charge-off referenced in the denials is past the statute of limitations for credit reporting in New York and should not have been shared or reported, adding further violations to these denials.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to ensure the accuracy and completeness of the information you report. The reported late payment is inaccurate and must be corrected immediately. The case XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) established that credit reporting agencies must take reasonable steps to ensure the accuracy of the information in consumer reports, including investigating disputes regarding incorrect data. I request that you conduct a thorough investigation into this matter, update my credit report to remove this incorrect information, and provide written confirmation once the correction has been made. Thank you for your prompt attention to this matter. I expect a timely resolution in accordance with FCRA requirements. 

I HAVE BEEN SENDING DISPUTES TO THE CREDIT BUREAUS SINCE XX/XX/XXXX AND NOT ONE TIME HAVE, THEY RESPONDED. ALL THEY DO IS SEND THEM SYSTEM GENERATED LETTERS ABOUT A DISPUTE NOT BEING FROM YOU. WHAT DOES IT MATTER WHO SENT IT. JUST DO YOUR JOB.
Product: Credit reporting or other personal consumer reports

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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of apartments XXXX XXXX on XX/XX/year> under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continued to state they verified a bankruptcy that I know to be inaccurate and they have not provided any evidence that they did an investigation since this could not be resolved I have initiated arbitration proceedings and this is notice each consumer agency needs to pay the arbitration fees so we may litigate this matter.
Product: Credit card or prepaid card

I had put in payment for PayPal through my bank XXXX XXXX however it wasn't paid. I am very upset to find that it wasn't paid and I paid for it immediately. I have been having problems with XXXX  XXXX XXXX  and I understand its COVID 19 and I have been paying on time with Paypal and they refuse to waive a one time fee for me as a good paying customer. 

I tried to explain with Paypal I just XXXX  my XXXX  because of the XXXX  XXXX related XXXX   XXXX  and they have not been compassionate to my needs.
Product: Credit reporting or other personal consumer reports

I am requesting to have the following information removed from my credit report due to my information being exposed in a data breach and as a result I now a victim of identity theft. I do not have any knowledge of any of the accounts listed below and would like them removed because they were opened fraudulently without my consent. 

The accounts are : XXXX Acct # XXXX {$380.00} XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX XXXXXXXX {$5.00} XXXX XXXXXXXX {$150.00} XXXX XXXX XXXX {$300.00} I would also like the following hard inquiries removed as well : XXXX XXXX XXXX XXXX XXXX Please remove the above fraudulent accounts and hard inquiries from my credit report immediately and update credit report as well.
Product: Debt collection

ERC started to report on my credit file without send me a 30 day right to dispute .... I had already paid the XXXX debt prior to them reporting and by law they have to notify me with the 30 day right to dispute.
Product: Bank account or service

Chase bank charged an unauthorized {$70.00} against my bank checking account number XXXX. I dispute this charge made XX/XX/XXXX PST against my checking account.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I added XXXX $ from my XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  ) to my Venmo ( XXXX XXXX  ) account On XX/XX/XXXX Venmo did a deposit reversal, claiming they put the XXXXXXXX XXXX back into the account from where it came My XXXX  XXXX  statement ( included in supporting documents ) shows the money leaving my account but never returning. 

I have spent hours on hold and explaining myself over and over again to both Venmo and XXXX XXXX.
Product: Debt collection

We have received a collection letter from Quantum Collections for a XXXX collection that isn't ours. 

My dad and I have a XXXX XXXX collection reporting to our XXXX credit reports for an account that isn't ours, it's my brothers who lives in the same household as us. We demand that this collection be removed from our reports as it is causing our mortgage loan to get declined. Scenario : My brother 's car was a XXXX XXXX, XXXX. He sold his car in XX/XX/XXXX. He took the plates off the car but did not submit the plates to the XXXX. 
The vehicle was abandoned on the roadside by the new owner. When the towing company ran the car 's VIN number it came back to my brother as still owning the car. The towing company sold the vehicle and came after my brother for additional money. He has since dealt with the XXXX issue however, there is a collection not only on my brother 's credit reports but, also mine and my dad 's and we had nothing to do with the vehicle- we just happen to live at the same address as my brother. My info : XXXX XXXX social security ending in XXXX Brother 's XXXX XXXX XXXX XXXX social security ending in XXXX Father 's Info XXXX A XXXX social security ending in XXXX
Product: Bank account or service

I made a deposit at Citibank. There was a {$400.00} bonus for signing up and depositing {$15000.00} and keeping it in the account for 30 days. The bonus was promised to be in the account in 90 days after meeting the requirements. 

I fulfilled the requirements and when the bonus was n't credited to my account, I contacted them by email and by phone. By email, they wanted 30 days to " investigate '' and by phone they promised to take care of the matter and credit my account. Months passed, I called again and spoke to a supervisor who now claims the account was n't qualified or something or another.
Product: Money transfer, virtual currency, or money service

I sent the money via Zelle on Friday, XX/XX/2023. It was not received. See attached. Then, on XX/XX/2023 my account was closed. Why? NO REASON!?? I had funds in the bank!!
Product: Credit card or prepaid card

I WAS A VICTIM OF IDENTITY THEFT, AS RESULT THESE ACCOUNT APPAER IN MY REPORT AFTER SENDING BANK OF AMERICA ALL DOCUMENT THAT THESE ACCOUNT ARE NOT MINE BANK OF AMERICA # Account number XXXX .... 
Recent balance {$13000.00} as of XX/XX/XXXX XXXX opened XX/XX/XXXX XXXX Account charged off. {$13000.00} written off. {$13000.00} past due as of XXXX XXXX. 

Account name BANK OF AMERICA Account number # XXXX .... 
{$17000.00} as of XX/XX/XXXX XXXX opened XX/XX/XXXX Account charged off. {$17000.00} written off. {$17000.00} past due as of XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXXXXXX PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Money transfer, virtual currency, or money service

My bank ( PNC Bank ) prevented me from purchasing XXXX XXXX via XXXX  app.
Product: Mortgage

I am facing some data breaches in my credit report, and identity theft issues. I had no money to make payments on my home I am requesting support with making payments on my home. The company did tell me in XXXX XXXX that they have assistance, but no one has told me how to apply for assistance so it won't impact my XXXX XXXX.