23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Ok XXXX XXXX there was a bunch of {$5000.00} charges on my Wells Fargo account that was unauthorized. The total came out to {$59000.00} from XXXX that they charged me. I called my bank and filed a fraud claim because the transactions were not authorized by me. Wells Fargo denied my claim because they said that I have done business with XXXX and I have to deal with them directly and they gave me this number XXXX which when I called is the XXXX XXXX XXXX XXXX, not XXXX. Wells Fargo pretty much said I had to deal with the merchant directly and gave me a number that doesnt belong to them. When I contact XXXX, they told me to contact my bank and file a claim and my bank would be able to help me, but that doesnt seem to be the case. Please help me get my money back.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account very vulnerable and unprotected. These actions have caused significant inconveniences and financial losses and I seek appropriate redress for these outrageous violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted XXXX disputes based off of identity fraud, once in XX/XX/XXXX and second in the beginning of XX/XX/XXXX and both times it wasnt removed and when I reached out to the company XXXX I was turned away and told I need a police report. When I went to a local XXXX police precinct, XXXX, on XX/XX/XXXX I wasnt able to file a report because I didnt have fraud affidavit from Acima and when called in the presence of the police officer I was informed they do not provide that and I wasnt able to proceed.
Product: Credit card or prepaid card

Over the past year I have been trying to severe my 22 year relationship with Citi regarding my charge cards. Citi issued unauthorized cards after I told them I wanted all accounts closed. After many calls with Citi, including their fraud department, I paid an undisputed balance as a payment in full amount on all three accounts I had two of which I never asked for nor activated. Citi cashed the Payment in full check than proceeded to keep attempting to collect more including various fees they kept adding even though they knew the balance was all in dispute. Citi has relentlessly harassed me with as many as 7-8 calls daily on my home phone, cell phone and messages app.They have become increasingly aggressive and may have negatively influenced my credit ratings.
Product: Credit reporting or other personal consumer reports

There is an Amex card on my credit report that isnt mine. Ive never had a credit card with Amex. I believe Ive been a victim of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a XXXX account on my credit report consistently for almost six months now and I haven't received any results or response from XXXX  or Transunion throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.
Product: Debt collection

THIS ACCOUNT WAS REMOVED FROM MY XXXX  FILED BECAUSE I SHOWED THEM THIS ACCOUNT WAS NOT MINE. NOW IT IS SHOWING UP UNDER ANOTHER COMPANIES NAME. I HAVE ALREADY TAKEN CARE OF THIS. THE AMOUNT IS $ XXXX OPENED RECENTLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following inquiries. I have no knowledge of obtaining any of the inquiries listed here. It is caused by fraud. 
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
Product: Mortgage

Regions Mortgage home loan balance as of XX/XX/XXXX : {$190000.00} Property valuve per XX/XX/XXXX appraisals : {$250000.00} PMI is scheduled to be removed : XX/XX/XXXX ( under assumption that no additional principle payments ) I paid additional payments in last few months and made current balance {$190000.00} less than 78 % of property value. 

I sent a secured written request to mortgage company to cancel PMI as loan balance is less than 78 % of property value. 

The mortgage company insists that PMI will be automatically terminated as per original schedule which is XX/XX/XXXX. 

Am I not eligible for automatic PMI termination now as ( I paid additional payment and ) loan balance is less than 78 % of property value?
Product: Vehicle loan or lease

On Wednesday, XX/XX/XXXX, I applied for a loan to buy out the lease for my XX/XX/XXXX XXXX XXXX in a Fifth Third Branch on XXXX XXXX XXXX, XXXX, OH XXXX. The name of the banker was XXXX XXXX ( XXXX ). I brought in all of the paperwork from the original signing of the lease agreement ( which he made copies of ), and told him that I wanted to apply for a loan to purchase the car when the lease expired. 

I was very clear that I was in a lease, and the paperwork I brought in that I gave to XXXX XXXX specifically indicated a retail lease order. There was absolutely no confusion that I wanted to buy the car upon the expiration of the lease. My wife was also present during the meeting and can verify this information. 

In order to process the loan, XXXX asked me to complete a loan application along with a credit check. I was then told that underwriting would ask me for certain documents before I would be approved. XXXX sent an email that said I needed to provide a " bill of sale '' for the loan to be approved. When I called XXXX to request that information, they said that document couldn't be provided, but they would send documents to Fifth Third to process the lease buyout. 

On XX/XX/XXXX, I then went into a Fifth Third branch at XXXX XXXX XXXX, and spoke with the manager onsite for the fax number so that those documents could be sent. She then called underwriting, at which time she was told that Fifth Third does not sell loans for car leases. I called Fifth Third 's customer support number and talked with two additional individuals who all told me that they didn't sell lease buyouts. 

I submitted a credit application having been told that I was applying for a lease buy-out. This information I was told was false.
Product: Credit reporting

BARCLAYS BANK XXXX, DE XXXX ( XXXX ) XXXXXXXXwas not authorized to pull my credit. I would like this deleted from my hard credit. It is helping to pull my score down. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refused to remove an account that is not mine. 

I have despites 3 times already with supporting grantor documents of account in dispute
Product: Credit card or prepaid card

I am a consumer pursuant to 15 U.S.C 1681 ( c ), you are a debt collector pursuant to 15 USC 1692a ( 6 ) and you are a creditor pursuant to 15 U.S.C 1692a ( 4 ). To my understanding all credit reporting agencies get their information from the same company sourced as the original creditor. The inaccuracies being reported are detrimental to my credit capacity, credit worthiness, and credit standing. It seems Capital One is reporting an alleged late payment to credit reporting agencies however, pursuant to 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I am being violated pursuant to TILA. I noticed when looking at my consumer files I have 3 late payments reported. The inaccuracies of this information is substantially harmful thus needs to be removed now!
Product: Money transfer, virtual currency, or money service

On  XXXX / XXXX /  XXXX  , I received an email notification that  XXXX   XXXX  received my {$85.00} payment from PayPal. I did not recognize the name or amount and checked the transaction on Paypal 's website. There was a note to  XXXX   XXXX  stating " bill for next month '' that I did not write.I do not know this person I opened an unauthorized transaction complaint through PayPal and received the following response : '' Our records show that this payment passed  one  or more security checks ( such as phone or SMS authentication ) at the time of the payment. The security checks are completed using information known only to the account holder. As a result, we 've closed your unauthorized transaction claim ''. I have requested copies of the documentation  PayPal  used in its investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

Validate Account XXXXXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fifth Third Bank is falsely reporting a 60 day delinquency to the Credit Bureaus. In XX/XX/XXXX I obtained an auto loan for the purchase of a XXXX XXXX XXXX. In XX/XX/XXXX the vehicle was rendered a total loss due to an auto accident through no fault of my own. XXXX XXXX paid 53 Bank over XXXX as the payoff in XX/XX/XXXX, and there was a remaining balance owed of approximately {$2000.00}. I spoke to someone in your Total Loss Department of 53 Bank  about the remaining balance, and she advised me to request the refund of the vehicle warranty which would pay off the remaining balance. I promptly made that request to the car dealership, and subsequently, they sent 53 Bank the full warranty refund which exceeded the XXXX remaining balance because I receltly was sent a check from 53 bank for {$600.00} for the excess. How can the payment be 60 days delinquent when XXXX XXXX promptly paid you XXXX on my behalf in XX/XX/XXXX? An XXXX payment puts me years ahead in payments does it not? It appears that once 53 Bank received the remaining balance from the warranty, they reported this account 60 days delinquent to the credit bureaus. This false report has caused my credit score to drop XXXX  points,. Consequently, I am not able to secure financing for a replacement vehicle. 

Therefore, I am asking that this inaccurate report be removed from my account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax about 15 different times over the last few months. I am desperately trying to buy a home. My mortgage co is able to obtain my credit report from XXXX and XXXX but not from Equifax. I have open tradelines starting in XXXX that are still open and active. These are major creditors like XXXX and XXXX XXXX XXXX that I know for certain report to all 3 credit agencies. When attempting to pull my Equifax file ( which is required to give an underwriting decision, Equifax is not releasing it stating : EQUIFAX : INQUIRY INFORMATION IDENTIFIED AS FRAUDULENT BY CONSUMER - REPORT NOT AVAILABLE. 

I have never changed my name, I have lived at my same address since XXXX and I have never altered or changed my social or date of birth. I have NEVER filed a fraud claim, nothing. 

I am a loan officer for a mortgage co and I will tell you that we are seeing this same error message with ONLY Equifax a LOT this year. About a 3rd of credit reports we pull, we have no access to the borrowers Equifax file and it's this same error message. Never any challenges with XXXX and XXXX. Like, what is going on here!!!??? 
Is it because of their SECURITY BREACH in XXXX??? 

I have called EF about 15 times in the last few months. They've requested that I FAX a copy of my drivers license and social security card and can never find it. I can not believe they can ask me to FAX my personal stuff like that but I have no choice. When I call them back after the 5 day period they are extremely rude and tell me no one can help me until they receive the docs. They are rude and I can not move on with my life because of THEM! 

Bottom line, I want this resolved so I can put a contract on a house. The lack of inventory right now makes it difficult to just wait until EF can do their job and help me so I can purchase a home. 

I NEED HELP, PLEASE! 

Thank you, XXXX XXXX XXXX cell XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my credit reports pulled after being contacted by a debt collector that I have never done business with. My identity was stolen because there is multiple accounts, names, addresses and other personal info that doesn't belong to on my reports. I did not authorize anyone to open these accounts nor did I receive services or goods for any of them. I filed an identity theft report and police report. I disputed it with all 3 major credit bureaus and they have done nothing. I should not be held liable for someone opening accounts in my name.
Product: Credit reporting or other personal consumer reports

I contacted them because both other credit bureaus have the same score XXXX and info. With them I was showing a score of XXXX and a ton of inaccurate info. The refused to show me or give me any documents v of how they came to their decision of fixing nothing. I was laughed at and hung up on. Then they said it was common for a XXXX point difference between bureaus. I've been dealing with this for 3 years with no solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting at XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A.

States I have the right to privacy.

15 U.S.C 1681 Section 2. 
It also states a customer reporting agency can not furnish a account without my written instructions. 



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Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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 XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/2023 I opened a Key Business Reward Checking Account at Key Bank located at XXXX XXXX XXXX XXXX. XXXX XXXX, MI. The account was opened with the marketing code : XXXX, which gives a {$500.00} bonus with the following criteria met : -opening deposit of {$25.00} -make 5 eligible withdrawals and 5 eligible deposits -maintain a minimum daily balance of {$2000.00} in the first 90 days.

I have met and even exceeded each criteria listed above, however Key Bank has not deposited the {$500.00} bonus in my account and they have refused to answer questions regarding this issue.

I have visited the bank several times to speak with bank manager regarding this issue. I have not received a direct answer. The manager and representation at this branch are rude to me. The bank manager even told me not to apply for a credit card because she doesn't think my score would be high enough. I believe the bank manager wanted to discourage me from applying for a credit card due to XXXX discrimination. 

I would like Key Bank to honor the marketing code ( XXXX ) they advertised to get me to open an account at their branch and deposit the {$500.00} checking bonus into my account. I would also like to know why the branch manager told me not to apply for a credit card without even pulling a credit score/report.
Product: Checking or savings account

I was on vacation in California, when I was robbed by XXXX XXXX. He is a XXXX XXXX in California. He demanded my cell phone, wallet, debit/credit cards, and PIN numbers, and my XXXX rental car ( XXXX XXXX ). 

This occurred in XXXX, CA on XX/XX/2020. I attempted to contact Navy Federal to close my card, but without a cell phone, hotel long distance, and without knowing my NFCU Access Number, I was unable to get in contact with anyone until several days later. 

I filed a police report which detailed the auto theft ( separate case number ) and the theft of my wallet, phone, cards, etc. I provided that information to NFCU as soon as possible. I was told that my claim was assigned to a claim 's examiner and would be processed as soon as possible. 

I then received a letter telling me that " No error occurred '' and after reviewing my claim for just one or two days, I was told that the decision was final. I attempted to appeal the decision under Regulation E, but was told that my claim was closed and no further changes could be made. 

Mr. XXXX not only accessed my debit card, but also my government ID badge, SSN, Passport Card, and other private information. I have filed a request with the SS Admin to get a new SS Number and I had to change my phone number because Mr. XXXX was attempting to access other financial information and my credit report and I use 2FA for most of my apps. 

The XXXX, CA PD recovered my car, wallet, and phone the Tuesday after it was stolen, but by this point, over {$3800.00} in funds had been stolen and used. 

XXXX PD said that he was seen on camera withdrawing my funds at a " XXXX XXXX XXXX '' ATM in downtown XXXX in the middle of the night. I presented these facts to NFCU, but my claim was still denied.
Product: Student loan

I have a consolidated student loan with Mohela ( XXXX ). When I applied for the loan, there was an automatic 0.25 % discount if you enroll an automatic payments. From the very first day I could, I enrolled an automatic payments. Their website and app does not indicate I've been getting any auto pay discount. When I contact the company they claim I am without having proof. They also are alleging a lesser discount than the quarter of a percent advertised when I originally signed up. 

When I recently contacted them asking for documentation of the discount, even their documentation shows a period of time where I was not given the auto-pay discount even though I was enrolled in auto pay. 

I feel this company is intentionally misleading borrowers and not fairly charging interest to vulnerable borrowers.
Product: Mortgage

The seller 's agent for our new home, XXXX XXXX, of XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX made an attempt to force us to use his preferred lender Guaranteed Rate, XXXX XXXX XXXX XXXX, IL XXXX. 

XXXX XXXX threatened to cancel our accepted offer if we didn't use Guaranteed Rate. 

In the end we held our ground, but found this highly unethical and very suspicious.
Product: Debt collection

This so-called company is attempting to collect money from me from a company I've never in my life used.There is no debt, this is a scam.
Product: Credit reporting or other personal consumer reports

n 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. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX,, has violated my rights. 


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 or other personal consumer reports

XXXX  date XX/XX/2023 I called altisource to find out why did their name showed up on my credit they told me they dont have my information in their system. I informed the agent that theres an inquiry with the company name on XX/XX/2023. The agent said he will send a letter to confirm its wasnt authorized via email. I waited and no email came in. The next day I call and got another representative who also said they dont have my information in there system. He advised that he is going to reach out to his supervisor and will follow up. I still have not heard from them. its almost XXXX  months and no follow up or letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. Im pretty frustrating to be honest, but I know that mistakes happen. I trust youll fix the situation. Heres the wrong info : 1. XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 2. XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 3. XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME