23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Someone is going to different stores and trying to open up credit cards with my information. I went to XXXX XXXX yesterday and only looked at a tool box and got a email that I was denied credit I never applied
Product: Debt collection

global credit collection sent me a letter saying i owe a debt from original creditor XXXX saying i owe money even though i have a paid letter from XXXX sayings its paid- global continues to call my fathers house to collect this debt and disclosed my information to him and threatens to take legal action saying i committed felony fraud
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I paid cash to my Wells Fargo Bank for a cashiers check to pay my mortgage. Mailed a cashier 's check for {$1500.00} to my mortgage company the same day. By XX/XX/XXXX the cashier 's check still had not reached my mortgage company. I did talk to my mortgage company they told me to give it a couple days mail was slow because of XXXX. I then waited till XX/XX/XXXX to see if they received it they had not. That's when I went to my bank to have a stop payment put on the check. That cost me {$31.00} at my bank .The Wells Fargo representative that I placed the stop payment with told me that I would have to wait 30 days before the money would be refunded to my account, and that I would not have to come up to the bank personally. Now on XX/XX/XXXX my mortgage company sent a letter to me stating notice of return check for the sum of XXXX have been returned to us by your bank for the following reason stop payment. XX/XX/XXXX would have been the date for the {$1500.00} to be put back into my account which do not happen. I keep getting the runaround from the bank and my mortgage company. My bank keeps telling me I need the original check so they could refund my money and a mortgage company keeps telling me they sent my bank a photocopy because mortgage company destroyed the original check. Bank says pretty much photocopy won't work and it may take three years to get my money back do I have any recourse? thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to refinance home through freedom mortgage and was told there is a lien on my home when in fact this is not true there was a stipulation during my divorce if I did not refinance there would be a lien put on but I in fact refinanced the home in the time frame I was given. when I try to contact no one seams to get back to me
Product: Credit card or prepaid card

Our Wells Fargo card was used fraudulently on XX/XX/22 at a vendor called XXXX XXXX for XXXX purchases totaling {$7900.00}. My complaint ( besides not yet being reimbursed for the fraud ) is that Wells Fargo has told us they've " looked into it '' and done " research '' when they haven't. I've been told multiple times by both the vendor and police that they have not been contacted by Wells Fargo. 

Here is a timeline of events documenting our experience : XX/XX/22, XXXX - Purchased gas at XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XX/XX/22 XXXX XXXX - Received notification from XXXX of a suspicious purchase at XXXX XXXX for {$7900.00}. Reported as fraud and transaction stopped. 

XX/XX/22 at XXXX - Received notification from Wells Fargo of a suspicious purchase at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX for {$4000.00}. Reported as fraud and transaction stopped. 

XX/XX/22 at XXXX - XXXX XXXX transactions approved earlier by Wells Fargo XXXX XXXX XXXX XXXX, XXXX {$3700.00} and XXXX {$4200.00} totalling {$7900.00}. Immediately reported as fraud. Claim was denied by bank because Wells Fargo thinks the chip was used during these transactions. 

XX/XX/22 at XXXX - Police report submitted at XXXX Police Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. XXXX XXXX. XXXX. 

XX/XX/22 at XXXX - Called XXXX XXXX to ask about the incident and to request any evidence they had of the transaction. Spoke to XXXX XXXX at XXXX and was told to call back the next day after they get information from their accounting department. Informed that video footage is overwritten every 30 days so they no longer have that. 

XX/XX/22 at XXXX - Called XXXX XXXX back. Was told that Wells Fargo needed to contact them directly for the receipt information. 

XX/XX/22 at XXXX - XXXX Wells Fargo and spoke to case XXXX XXXX XXXX XXXX ext. XXXX and fraud department to have case reopened. Informed them they needed to contact XXXX XXXX directly for information. 

XX/XX/22 at XXXX - XXXX Wells Fargo Customer Service to ask when the transactions occurred, they do not have that information. 

XX/XX/22 at XXXX - Called XXXX at XXXX XXXX  to follow up/make sure Wells Fargo and Police have contacted them - no one has contacted them.
Product: Debt or credit management

In XXXX of XXXX  I began work with Beyond Finance to address some of my credit card debt and had careful conversations about which accounts to include, as I didn't want this adversely affecting any accounts that my husband held. When they contacted XXXX XXXX  using their correspondence showing power of attorney, they simply provided my social security number and this triggered XXXX XXXX  to immediately close all credit accounts including my husband 's business credit card ( which I am not attached to ) and a personal joint credit card that had accumulated {$11000.00} in rewards points which were immediately cancelled and the accounts were permanently closed on Tuesday XX/XX/XXXX. 

Beyond Finance assured me in our conversations that only the accounts I identify with them as needing assistance would be affected or impacted by their involvement. They did not share any possibility of other accounts or spousal accounts being impacted in any way. 

Additionally, the only assistance they could provide with this matter was to revoke the power of attorney with XXXX XXXX but they could do nothing to correct the issues that were created by their lack of specificity in dealing with my accounts that I authorized them to address.
Product: Debt collection

i have been contacted by First Source Advantage for a XXXX CC debt from 10 years ago, the debt has not been on my credit report for years. could be potentially legit debt, I have been cleaning up my credit I 'm unsure what I have paid off in the past. 

I have ask for verification of this debt and even provided an updated address. they have failed to send any information. they called back after a month, i still had n't received any information, they verified the address in their system, which was correct. 
Here it is another month later I Have n't received any documentation and they called again. I told them i have n't received anything from them still and not to call me again.
Product: Debt collection

A Charged Off account in the amount of {$5.00}, I did not owe them any money and never received any request for {$5.00} payment. 

I did have another account with the same company which was paid off, BUT NEVER HAD 2 ACCOUNTS with MB Finance. I have disputed this {$5.00} Charged Off account several times with Credit Reporting Agencies but MERCEDES-BENZ FINANCE has always refused to remove it and said I owe them {$5.00} on this account. 

Even though this is not my account and I do not owe them {$5.00}, I sent them a money order for {$5.00} and requested them to immediately remove the account but it has not been removed yet. The other account with this company was paid off on XX/XX/2014 ( see attachment )
Product: Mortgage

In 2013 Wells Fargo foreclosure on my house at XXXX XXXX XXXX XXXX XXXX pa XXXX What I need from Wells Fargo is documentation of the foreclosure and eviction for my records the loan number is XXXX. Please try to get this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX Unit XXXX City, XXXX, Zip : XXXX, MI XXXX Dispute Department EXPERIAN XXXX XXXX XXXX XXXX, Tx XXXX To Whom It May Concern I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX. Please delete the items as soon as possible. 

FRAUDULENT INQUIRIES Xactus - XX/XX/XXXX 2021
Product: Money transfers

I wire transfered {$66000.00} to a marketing company as an investment for commissions on small business loans that close. This company described themselves as a Network Marketing Company. But never delivered any service or products promised. In addition, all the contacts and phone numbers have been disconnected. 
I do have the banking routing info and am requesting the person/ people connected to this account be tracked and stopped. I would like to receive restitution and damages.
Product: Checking or savings account

My account was placed in restricted status on XX/XX/XXXX because I apparenty had to verify ownership of an external account I tried to add. I can not make any deposits or withdrawals from the account, yet the bank only claimed that " Any transfers scheduled from the account ( s ) listed above have been canceled until our verification process is complete '' which does not say that my account would be restricted. There is no reason why my entire account should be locked just because I tried to add an external account. I submitted documents showing I owned the external account on XX/XX/XXXX. The bank has refused to currently unlock my account despite repeated calls.
Product: Debt collection

Lake City Credit has been calling me during my work hours after several requests not to. After my most recent request not to call me during work hours they called me back immediately after I hung up on them. 

They are trying to collect a debt that is not only already paid, but well outside of the statute of limitations and not on my credit report. This is harassment. 

They have called me from the following numbers : ( XXXX ) XXXX ( 972 ) XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX
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 XXXX XXXX GA XXXX REFERNCE NUMBER ; XXXX has violated my rights. 

ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT NAME : XXXX, ACCOUNT NUMBER : XXXX HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX 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 an 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 sent the below letter to Experian. My report now reflects the bankruptcy as updated but this is not the case at all. Several credit items stated included in bankruptcy, but this is not the case. These items should all be removed. To Whom It May Concern : I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, voluntarily dismissed or adjudicated for XXXX years, the Fair Credit Reporting Act mentions nothing in XXXX XXXX relating to bankruptcy about dismissals. The law clearly states from " date of adjudication '' or date of " order for relief ''. In addition, Section XXXX does not specify a minimum period for which a bankruptcy must remain on an individuals credit file. Experian continues with the erroneous misinterpretation of said guidelines. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. Therefore, pursuant to XXXX XXXX XXXX a ) ( XXXX ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 

I also reported this to the XXXX XXXX XXXX and yet to receive a response from Experian. The bankruptcy was involuntarily dismissed. 

Furthermore, the information in regards to the bankruptcy on my record is incorrect. I requested proof of the findings of their investigation. I also have disputed this several times, and yet to receive any information regarding their findings including proof of such findings and also have been given the run-around. They claim that all voluntarily dismissed bankruptcies are to remain on the credit report, but this was involuntarily dismissed, so based on the information I received by Experian, this should be removed, correct? I was not given any additional information on this.
Product: Checking or savings account

On XX/XX/year> @ XXXXXX/XX/XXXX I went to the gas station to get gas from a XX/XX/XXXXand I used my debit card at the pump .I noticed the gas did not come out so I went into the store to address the store manager about the pump not working. I then looked at my Chime checking account and seen that I had a pending transaction for {$110.00} from thaXX/XX/XXXX .The gas station manager is told me to get in contact with whoever my account is with so I contacted Chime and Chime told me to get in contact with the merchant .So I call XX/XX/XXXX but on the call they asked me to press a number for if your funds was placed on hold after using your credit/debit card at a gas pump and after I hit the number the phone hung up .There was no resolve with the issue .Chime basically told me to call the merchant and the merchant told me to call whoever my account is with. I See that I am getting the run around with both. 
I needed gas and I got no gas but all of the funds on my card was placed on hold through a pending transaction .I am frustrated. I don't have gas in my car and my funds to get gas was placed on hold. There was nothing at the gas station pump saying this is a practice and it was done without my consent .I asked the gas station manager to return my funds and he said its nothing he can do about this and chime said the same thing .I just started work on XX/XX/year> and I wont be able it to make to work if I have no gas in my car. And both parties, the gas station or chime bank do not have practices in place to correct this issue to people like myself.
Product: Debt collection

on XX/XX/XXXX I wrote to Trident Asset Management to request a Debt validation. I did not hear from them for over 30 days, so I then wrote them again requesting the debt validation. The second time I sent the letter certified mail. Tracking number XXXX. Tracking showed that they received the second letter on XX/XX/XXXX. It has been over 44 days and still no response from Trident Asset. No letter to say that they received my letters, no debt validation, or anything. I have never received anything from them. No letter, email, call, fax, or text to let me know that I had a potential debt with them. I just noticed it on my credit report. This account was placed on my credit report on XX/XX/XXXX, and it is reporting for the sum of {$610.00}.
Product: Debt collection

I was a victim of identity theft. I just received a letter from Columbia Debt Recovery LLC DBA Genesis  stating that I leased an apartment located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX as of XXXX. They claim I owe them {$11.00}, XXXX. 

I reside at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and I am a victim of identity theft as I have never even been to XXXX XXXXXXXX XXXX 

I would like this deleted from my credit credit record as it is fraudulent. aby questions, email me at XXXX or call me at XXXX, Respectfully, XXXX XXXX
Product: Debt collection

California Business Bureau has caused me significant distress and for more than a year has been damaging my credit and reputation by trying to collect a fraudulent debt of {$3000.00}. 

I have submitted several disputes and submitted to California Business Bureau letters regarding said disputes and requests for validation. California Business Bureau has not provided me with a valid debt or contract between me or them. 

They have refused to comply with the Fair Credit Reporting Act as well as the Fair Debt Collections Practices Act and continue to commit egregiously fraudulent acts that continue to cause me harm and injury.
Product: Debt collection

I was told today, XX/XX/2019 by my employer XXXX XXXX, phone number XXXX, case # XXXX has been calling the the chairpersons office at my work to get permission to have me served while I am working. I XXXX at a XXXX college. I called the number and spoke to a 'XXXX XXXX ''. He is calling about a debt that is over 10 years old. I asked him to stop calling my work. He then called the chairperson two more times after we spoke and after I asked him to stop these calls at my place of employment. I have not received any mail regarding this old debt or received any calls. This harassment is affecting my job performance and personal reputation from my employer of XXXX years. I need this to stop!
Product: Checking or savings account

I am writing to request an investigation on the following accounts I have never opened or used the accounts listed below. I'm requesting the following information to be deleted from my XXXX XXXX consumer report immediately in accordance with XXXX XXXX. XXXX AND XXXX XXXX XXXXXXXX, XXXX XXXX. XXXX, and XXXX XXXX. XXXX I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. Furthermore, there are unauthorized inquiries on my consumer report that I did not initiate, which constitutes a case of identity theft. Pursuant to XXXX XXXX. XXXX I do not own any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report.Please address this matter promptly and confirm the removal of the disputed entities.
Product: Debt collection

i moved to virginia in XX/XX/XXXX, i did not start working until XX/XX/XXXX but the state of virginia say i owe them $XXXX for taxes in XX/XX/XXXX i only made about $XXXX , i do not know who to contact , this has been a nightmare,, they have now sent this bill to a collection agency
Product: Credit card

Follow up to FRAUD CHARGES on XXXX Synchrony XXXX XXXX account. 
XX/XX/year> Spoke to XXXX and Synchrony bank. Synchrony responded 60 days later stating I need to pay the charges, but they did not provide additional evidence as to why. 
As I have stated before I was at work when the charges were made and my badge entry key is listed below. 
The XXXX 's XXXX receipt is listed below. This proves my case. If I purchased a XXXX  in XXXX, with a warranty, why would I need a XXXX 2 months later from XXXX? 
I placed a fraud alert through the Bureaus regarding this account. I also sent in a formal complaint to XXXX, XXXX and XXXX reviews.
Product: Credit card or prepaid card

In XX/XX/XXXX I received a targeted offer from Delta   to receive XXXX Delta Skymiles and a {$50.00} credit by applying for the American Express Delta Skymiles Credit card. 
The provision was to spend a minimum {$1000.00} within the first 3 months in order to receive the miles and credit and to have the account in good standing. They require 8 weeks to award the miles and credit. 

I received the credit card in XX/XX/XXXX. The spending was requirement was quickly met within the first month and the account balance always paid in full on time. 

It is now almost XX/XX/XXXX ( 6 months ) and after 4 dialogues with American Express, they still have not awarded the miles. Even elevated to management they say " they - some remote awards center '' are working to resolve it. Each dialogue results in a note being sent to the department that awards miles and that it will take another 24 business days to cycle. 

This is a clear case of shenanigans. I believe American Express could resolve this quickly if they chose to and probably wish consumers would just give in and forget about the miles.
Product: Credit reporting or other personal consumer reports

This is my 8th 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, SC XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2400.00}
Product: Vehicle loan or lease

I bought a used XXXX XXXX and XXXX said they would finance the loan. The car loan was denied by XXXX based on inability to confirm residence. It was automatically sold to Capital One without my consent. On the day I bought the car, the XXXX rep told me I could opt out of the Added XXXX XXXX agreements worth over {$3200.00} I was not told : 1. That I would pay interest on the maintenance agreement 2 ) that the auto loan woul be automatically transferred to Capital One ( instead of my Own Credit Union 3 ) that I would be paying {$3000.00} more plus finance charges because the transactions decision to transfer the loan was made automatically WITHOUT my consent.