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

I am writing to formally dispute an item on my credit report that I believe to be fraudulent. Upon reviewing my credit report, I noticed an entry that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. This account is not mine, and I have not engaged in any activity associated with it. I suspect that my personal information has been compromised. I have included the following documentation to support my claim : A copy of my FTC Identity Theft report In accordance with the Fair Credit Reporting Act, I request that you investigate this matter and delete the fraudulent item from my credit report as soon as possible. Please confirm in writing that the item has been removed and provide me with an updated copy of my credit report.Thank you for your attention to this urgent matter. I look forward to your prompt response.
Product: Checking or savings account

The Citibank offered several promotional offers in XX/XX/XXXX. One of the offers required a deposit of {$25000.00} in a new account ; keep it for 90 continuous days for a cash bonus of {$500.00}. I contacted a personal banker of the Citibank who verified my account and eligibility requirements to receive {$500.00} bonus. The banker opened a new XXXX XXXX XXXX XXXX for me and instructed on how to transfer money from another bank to the new account. After the banker assured me that I was eligible to receive the {$500.00} bonus, and the {$500.00} will be deposited into my account after 90 days, On XX/XX/XXXX I started to transfer {$25000.00} from XXXX XXXX to the Citibank. The {$25000.00} transfer was completed on XX/XX/XXXX. The Citibank has not yet deposited the {$500.00} bonus as promised. The bank insists on offering only 10 times the interest up to {$500.00}. I never participated in any offering that offered 10 times the interest.
Product: Credit card or prepaid card

On XXXX XXXX of 2022 I filed a dispute after contacting the IRS about my stimulus check I didn't receive ineas advised by the IRS to contact money network and let them know to refund my money to the IRS because I never received it. I was then told I had to file a dispute with them somi did after relentlessly contacting them they said my dispute was denied and asked if I could provide additional information to support the fact that I didn't receive the card and use the card i said yes I then faxed my appeal with my police report of my identity theft phone theft and i also stated I live in a home with other rooms being rented as well roommates and other suportive statement I was contacted by a supervisor on the XXXX of XXXX 2022 saying my case was reopened and to wait it's now been over 45 days since the appeal never have they sent a letter an email or even called me I've had to have called over a 100 times to get the news they I need to resend everything so I did mind you.its now past 90 days and was lied to saying my case was denied because the number that activated the card was mine which is false as well my email i just got access to again was hacked phone was stolen in the same time period states in my police report and now I'm told that they are actually be escalateing the situation so then I was being lied to and misled the whole time i was being told it was already escalted and now im being told i have to wait until they contact me this is obscurd and rambunctious my rights as a consumer financialy have been violated and still are I demand this bank be reprimanded for the acts that they feel there actions are justified especially being lied to given the run around to feel hopeless not going to happen to me please help I much appreciate you and God bless you. 
Kind regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XX/XX/XXXX 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 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 XXXXXX/XX/XXXX
Product: Consumer Loan

Zia Finance XXXX XXXX New Mexico, with relentlessly harass you if you are ever late or if you default on your payments. 

They will call your employer and they will come to your house to harass you. This is a very sketchy company. They are a predatory loan company. They will continue to harass you even after they have reported to credit agencies.
Product: Debt collection

I have requested the following items from Radius Global Solutions twice in the past two months and all I have received is the billing statements which is not what I requested.

1. The Purchase Agreement that Radius Global Solutions has with the alleged original creditors.

2. The full contract agreement I allegedly signed with my full wet verifiable physical signature from said original creditors.

3. Documentation demonstrating how Radius Global Solutions acquired the debts, how much it was purchased in a dollar amount by Radius Global Solutions, and how they accessed my personal information including emailing me which I never contacted them ever through email or any other means of communication.

4. The agreement and contract with Radius Global Solutions with my full wet verifiable physical signature stating that I owed a debt to their company and allegedly agreed to pay it.

5. The business license for Radius Global Solutions to collect on alleged debts in the state of Texas.

6. Copy of the chain of custody to collect the alleged debt from original creditors to Radius Global Solutions.

None of these things were sent and they clearly can not verify any of these I am requesting the alleged debts, along with my personal information, be removed from their systems and erased from my credit report.

Radius Global Solutions also emailed me without my knowledge or consent on 1.31.2024 about this alleged debt which is a violation of the FDCPA.

This alleged debt has been reported as closed and charged-off accounts and according to 604 15 USC 1681B of the FDCPA they are not to be put on my credit reports and this company has failed repeatedly to validate the alleged debts as well. I read them all through the CFPB Database of Agreements and not one of the credit agreements states anything about the alleged debts being sold to a third party to be collected in my name and making me responsible for them. Radius Global Solutions pays XXXX  cents on the dollar for these debts as well and demands consumers pay the full amount that was already charged off by the original creditors and reported on their taxes for tax breaks.

I appreciate your help in this matter. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMENITYCAPITAL/FLDCPR made a Retail Inquiry by checking my XXXX Credit File on XX/XX/ without my consent. There is no account attached to this company. 

XXXX XXXX XXXX  made a Bank / Credit Card Inquiry by checking my XXXX Credit File on XX/XX/ without my consent. There is no account attached to this company. 

These activities are illegal by law. There is NO permissible purpose.
Product: Checking or savings account

XXXX  XX/XX/year> my husband 's XXXX walked into Citizens Bank and XXXX XXXX at the XXXX XXXX XXXX, XXXX OH XXXX branch allowed him access to our joint account without my knowledge, permission, or signature. This is an invasion of my privacy. 

On XX/XX/XXXX I removed my name from the account. They took my signature, refused to see my ID, and did not notarize the paper. Any female could have signed that paper. 

This is an outright violation of my privacy and personal rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

whom it may concern, The reason for this letter it to dispute an unauthorized inquiries on my credit report. On ( XX/XX/XXXX ), I retrieved a copy of my credit report ( File : XXXX ) and discovered multiple inquires that I have no knowledge of and did not authorize. 

Because I did not apply for credit with creditor or lender listed below, XXXX XXXX XXXXL XXXX XXXX, VA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX  XXXX BOX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have also reached out asking that they remove the inquiry from my credit profile in the past and received no response. 

Please launch an investigation into the above creditors inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if creditor is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

Demand to Wells Fargo bank to stop filing robot-generated responses with absurd statements and RETURN me my ORIGINAL documents - original Promissory Note, original Mortgage and original Assignments if any and a release of all lies wet ink signed by an authorized employee of the Creditor since the property located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX was sold and I am entitled to have my original documents back along with wet-ink signed releases of all liens to prevent multiple liabilities.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts and addresses from my credit reports that do not belong to me.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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
Product: Checking or savings account

I was coerced into opening a checking account while visiting the branch. I initially had a XXXX account at Wells Fargo and thats all I wanted. I wasnt told the checking account had a monthly service fee and the account was drained. When there was no money left in the account to pay the service fee, a cash advance was taken from my Wells Fargo credit card. That is what alerted me that the account had been drained and i was being charged a monthly service fee. I called Wells Fargo XXXX card company and was able to get the cash advance reversed however, I wasnt able to get those monthly service fees for the checking account credited. 
This incident caused me to close all of my accounts with Wells Fargo and move my mortgage away from the bank too.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXX XXXX & XXXX XXXX {$96000.00} XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX
Product: Debt collection

This complaint is against Credit Collection Services, not sure if they go by other XXXX names. I spoke to Dept of Justice, Attorney Generals office agent XXXX XXXX the other day and new developments have been made in this case. This creditor has been collecting from XXXX ( XXXX XXXX ). I was out of the country and missed my mails. Upon return I saw this comcast account been in Collections. I immediately called XXXX and the XXXX XXXX XXXX helped me with this account, she told me upon full payment, all credit collection activity will be removed. So I paid this in full. However, couple weeks later till date, this account still appears on my credit report. 
I called Collections company today, spoke to agent named XXXX XXXX, I told him that XXXX XXXX has authorized this account to be removed and deleted, he laughed and said why would he do that. I also told him that I spoke to DOJ agent and I was informed another name this Collections company go by, he told me he does not care about DOJ or any letter received from DOJ or better business bureaus complaints. He abruptly hang up on me. 
The XXXX Companies are a corporate group offering Accounts Receivable Management ( ARM ) and Business Process Outsourcing ( XXXX ) services. CCS has received many consumer complaints alleging violations of the Fair Debt Collections Practices Act ( FDCPA ) such as failing to provide verification of a debt. If you have been contacted by CCS, make sure you know your rights before responding. 

I pray and request if your office can help me bring any Justice from this Collections company abuse and disrespectful behavior of their employees, such a disrespect and unethical way of conducting business, Todate there are numerous complaints filed against CCS with XXXX XXXX XXXX. I would like this Credit Collection to be removed from all XXXX credit bureaus, this is affecting tremondously financially and inability to get any loans. Here is the email from XXXX XXXX Office. Should your office need further info, pls kindly let me know. 

Respectfully XXXX XXXX
Product: Checking or savings account

Dear XXXX XXXX XXXX I am writing to file a formal complaint against Citibank for their failure to prevent a fraudulent wire transfer of {$57000.00} from my account on XX/XX/2023, and for their subsequent negligence in handling the situation. Despite my immediate attempts to report the fraud and secure my account, Citibank did not act swiftly enough, resulting in financial loss and distress. Below is a detailed account of the events. 

XXXX of Events : XX/XX/2023 : At approximately XXXXXXXX XXXX, I received a call from a number that appeared to be officially from Citibank. The caller informed me that my card had a travel advisory and asked if I had set any advisories for XXXX or Florida, which I had not. The caller then mentioned unauthorized transactions on my account, including a wire transfer of {$57000.00} to an individual named XXXX XXXX, which I immediately recognized as fraudulent. 

The caller asked me to verify a one-time passcode ( OTP ) that Citibank sent to my phone to turn on notifications. I unknowingly provided the OTP, which allowed the fraudsters to add unauthorized payees, including XXXX XXXX and XXXX XXXX, to my account. The caller assured me that my account would be frozen, and a new ATM card would be sent. 

I was given a case number XXXX, but the next day, XX/XX/2023, I received an email notification stating that the wire transfer to XXXX XXXX had been executed. Alarmed, I visited a Citibank branch immediately. 

At the branch, I learned that my account had not been frozen, and no new card had been issued. After escalating the issue, XXXX minutes had passed since the transfer before Citibank intervened to attempt a recall. The manager confirmed that the funds had been sent to a XXXX XXXX  branch in Delaware, but they could not retrieve the funds. 

I later learned that the fraudsters tried to cancel the wire recall, claiming it was a mistake. However, the transfer was flagged as fraudulent in the SWIFT system, preventing them from accessing the funds.

Citibank 's Negligence and Failure to Act : Despite my efforts to freeze my own account and report the fraud to the police and FBI, Citibank failed to act promptly. Their lack of timely intervention and failure to prevent the transfer caused me financial harm. I had to take matters into my own hands by contacting the police and the FBI, while Citibanks fraud department provided little help.

The fraud transfer was only stopped after I reached out to Citibanks branch and fraud department. Citibank did not act swiftly enough to secure my account and prevent the transfer, despite being notified immediately.

Request for Resolution : Given Citibanks negligence, I am seeking full reimbursement of the {$57000.00} that was fraudulently transferred from my account. Citibanks failure to act quickly left me in a vulnerable position, and I was forced to take additional steps on my own to report the fraud.

I also urge Citibank to implement stronger fraud detection measures to protect customers from similar incidents in the future. 

I appreciate your attention to this matter and hope for a swift resolution. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

My most recent FICO score says I have one late payment in the past twelve months. I have reached out to Equifax, XXXX XXXX, and XXXX, and all of them show that I have no late payments. I have no idea how to fix this!!!!! Also, XXXX  are thieves, you can not get a human on the phone and I had to pay after checking just two weeks ago.

Anyway, how is fico reporting a late payment and I do not see a late payment on any report??? This is time-consuming and horrible and life-impacting and I am done.

I just need help. If my payment history shows 100 % on Equifax and XXXX XXXX, and no late payments on XXXX why is FICO incorrect and how does it get fixed? No one should have to go through this.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE PROBLEM WITH BILLING CHARGES ON CREDIT CARD ACCOUNT ALSO CAPITAL ONE HAS REPORTED THIS ACCOUNT AS NEGTIVE TO CREDIT BREAU XXXX WITHOUT DISPUTING OR FRAUDLENT INVESTIGATION THIS HAS BEEN REQUESTED BY CONSUMER
Product: Checking or savings account

Issue summary : $ XXXX transferred from XXXX to Citi is missing. 

Issue details : 1. XXXX XXXX opened Citi bank account online and initiated opening deposit of $ XXXX in the process 2. XXXX XXXX XXXX deposits by Citi into XXXX verified 3. XXXX XXXX received Your opening deposit has been made email by Citi 4. XXXX XXXX $ XXXX withdrawn by Citi from XXXX 5. XXXX XXXX closed XXXX account 6. XXXX XXXX called citi since citi account still did not have funds credited. Was told it will take XXXX business days 7. XXXX XXXX called citi since citi account still did not have funds credited. Was told it will take XXXX business days 8. XXXX XXXX morning called citi since citi account still did not have funds credited. Was told it will take XXXX business days 9. XXXX XXXX evening call to Citi. Was told that my account was blocked for fraud and funds did not get into citi account for that reason ( No reason for fraud/block given ). Citi said they rejected the funds.But the funds would not go back to XXXX because i closed XXXX account not knowing that citi had blocked my new account. Had a conf call with XXXX, citi and myself. Citi and XXXX both blamed each other. Citi guy said he will follow up on why the account was blocked. But he never got back. 
10. XXXX XXXX, talked to Citi supervisor named XXXX XXXX, explained the situation. She told she will talk to new accounts/fraud dept and ask them to give me a call. But never got a call back. 
11. XXXX XXXX talked to XXXX regarding missing funds, they said will look into it 12. XXXX XXXX XXXX gave me transaction details for the withdrawal and asked to file a case with Citi. They told me the reason funds got rejected by citi is name mismatch ( citi never informed me about this ) 13. XXXX XXXX citi declined that they have funds and was told that the account is being closed 14. XXXX XXXX filed a case with citi regarding missing funds, was given XXXX business days ETA 15. XXXX XXXX got a call from Citi regarding this issue, repeated the whole ordeal in the phone and was told they will get back. 
16. XXXX XXXX got a call from Citi again asking my experience with citi banking, I gave them my issue details again. Was told they will get back 17. XXXX XXXX, today. No update from Citi Never did I get an email/mail/call regarding blockage/fraud/funds etc from Citi before I found out myself on XXXX XXXX. They were utterly negligent/irresponsible/unresponsive/gave false info multiple times. They even sent me atm card, check book, account statement giving me false impression that everything is ok. 
I had to call them every week and find out as to whats going on. Wasted about XXXX hours in the process. ( Above list of calls may not be complete )
Product: Credit reporting, credit repair services, or other personal consumer reports

I didnt open an account with XXXX XXXX and it wasnt until I saw an alert on my credit score that it had dropped and I saw delinquent account which isnt mine reported. This isnt my account or anything that I authorized.
Product: Debt collection

I got a letter on XXXX from Midland Credit Management stating that I owed them on an account that I had already paid off prior ( proof in the pictures down below ). But, as I was reading the letter, I noticed that there were many violations, XXXX to be exact, and probably more if I took the time ( letter with violations marked below ). I want any correspondence to be done by mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian recieved an online collections for XXXX from an agency which I clearly did not have any association with, and accepted it as a mark on my credit report. I disputed it because I have never even heard of these people and they never confirmed with me that I owed them money and for what. The collection was opened on XX/XX/XXXX, with an account of XXXXXXXXXXXXXXXX. I know nothing other than what is put up on my account. Experian refused my dispute saying that they confirmed with the debtors that they were accurate, however, they never contacted me and according to the fair debt collections act, they must do that and identify themselves, and tell me what debt I allegedly owe them. That was not done either. Experian is allowing this mark to be on my record when I do not have anything to do with these people who claim I owe them money. NOT acceptable according to any laws in the fair debt collections act.