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

I am writing to draw your attention to fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress to my financial well-being and personal reputation. As a victim of identity theft, I've already reported this incident and request your cooperation in expeditiously removing all fraudulent information from my credit report while conducting a thorough investigation. I am prepared to provide necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. US DOE XXXX XXXX {$25000.00} XXXX XXXX XXXX {$4000.00} DEPTEDXXXX XXXX {$3500.00} XXXX XXXX XXXX   XXXX {$230.00} XXXX XXXX {$960.00}
Product: Debt collection

FMA Alliance XXXX Ltd. ( http : //www.fmaalliance.com ) calls my home several times a day asking for a person I have never heard of. I have repeatedly asked to be removed from their call list to no avail.
Product: Mortgage

I was charged 13 months of interest payments in 2013 ( with XXXX interest charges applied XX/XX/2013 ). I recently found this issue when confirming the amount to pay off the mortgage. After discussions with at least XXXX people at Wells Fargo ( most of whom acknowledged the issue ), I was essentially told that it was 3 years ago and Wells Fargo was not going to do anything about it. My mortgage does not have a prepayment penalty so it 's not clear why prepaying the mortgage would result in an extra interest payment. Wells Fargo could also not explain why this issue occurred in XXXX, 2013 but none of the other months ( before or after XXXX 2013 ) when more than the minimum monthly payment was made. The extra month of interest that I was charged results in over a {$1100.00} increase to my current mortgage balance.
Product: Debt collection

Portfolio Recovery Associates XXXX at XXXX XXXX XXXX XXXX, VA XXXX has been sending me collection notices in the amount of {$610.00} and calling me after I have asked them repeatedly to stop to the point I had to block their phone number. This collection has been reported as past due. I do not know this company nor have I ever done any business with them. Portfolio Recovery Associates XXXX does not have a contract with my signature and I do not owe them a debt.
Product: Checking or savings account

My identity was stolen in XX/XX/XXXX. I recieved an email from M & T bank about a new account being opened. I called them to have the account closed on XX/XX/XXXX. They told me the account would be closed. I recieved an email from them again on XX/XX/XXXX. I called them again to close the account they told me I called them and asked them to reopen the account. I told them I did not and that it was a fraudulent account and I want the account closed. On XX/XX/XXXX I received a statement email from them I called back to demand the account be closed. They told me the account would be closed. On XX/XX/XXXX I received another statement email from them. I called to have the account closed again. They told me it would be closed by end of business that day. On XXXX I received another statement email. The bank account is still not closed. This is a fraudulent account that I did not open. It's not even opened in my legal name. The account is opened under XXXX XXXX XXXX and my legal name is XXXX XXXX XXXX. I told them when I spoke to them in XXXX if the account wasn't closed I was filing a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

XX/XX/XXXX and XXXX and XXXXXXXX XXXX  US Bank Consolidated place XXXX hard inquiries on my report XXXX XXXX place hard inquiry on XXXX XXXX XXXX XXXX placed hard inquiry on XXXX XXXX XXXX placed hard inquiry on XX/XX/2024 XXXX placed hard inquiry on XXXX XXXX
Product: Student loan

I have been attempting to adjust my payment schedule since XX/XX/XXXX. It is now XX/XX/XXXX and I have had ZERO communications from Nelnet. I sat on hold for XXXX hours to be told I need to keep waiting by the customer service person. They can provide zero help and I will continue to make complaints until the government steps in
Product: Checking or savings account

I have a wells Fargo account and the atm fees are ridiculous
Product: Credit card or prepaid card

Account XXXX - XXXX XXXX XXXX XXXX I opened a Bank of America credit card XX/XX/XXXX because of the no interest balance transfer and no interest on purchases for 1 year. [ Page 6 ] Bank of America falsely advertised no interest on balance transfer and no interest on purchases until XXXX of XXXX. 

I called on XX/XX/XXXX and XXXX/XXXX ( unknown spelling ) told me I read the advertisement wrong. 

I said I wanted to talk to a manager. He said no one where available and I could email a manager XXXX XXXX at XXXX. I got no response. [ Page 5 ] I followed up XXXX of XXXX after I paid of the transfer balance and no response. 

I called back on XX/XX/XXXX and talked to XXXX. I was still calling about XXXX ; however, I was also calling about an interest charged not related to the balance transfer. 

XXXX said he could not reverse it. And said XXXX would call me back. I got no response. 

Bank of America customer service " told me what I wanted to hear '' to get me on the phones and never followed up like promised. 

I can attach the full documents and/or print them off ; however, I made it simple. 

XX/XX/XXXX to XX/XX/XXXX = {$26.00} XX/XX/XXXX to XX/XX/XXXX = {$93.00} XX/XX/XXXX to XX/XX/XXXX = {$53.00} XX/XX/XXXX to XX/XX/XXXX = {$49.00} XX/XX/XXXX to XX/XX/XXXX = {$49.00} XX/XX/XXXX to XX/XX/XXXX = {$7.00}
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX  - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CHILD IS NOT A REVOLVING OR AN INSTALLMENT DEBT. CHILD SUPPORT DOES NOT ISSUE CREDIT CARDS OR LINES OF CREDIT, THEREFORE IT CAN NOT BE A REVOLVING DEBT. CHILD SUPPORT HAS NEVER GIVEN ME A LOAN. CHILD SUPPORT IS NOT AN INSTALLMENT DEBT. CHILD SUPPORT HAS NEVER ISSUED TO ME ANY CREDIT, THEREFORE HOW CAN THE DIVISION OF FAMILY SERVICES HAVE A LIEN ON MY SOCIAL SECURITY NUMBER. MY CHILD 'S MOTHER HAS NEVER AGREE TO HAVE ME IN BONDAGE TO THE DIVISION OF FAMILY SERVICES. THIS IS UNLAWFUL AND IS TOTALLY AGAINST THE FEDERAL TRADE COMISSION. I ASK SOMTHING BE DONE ABOUT THIS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian to dispute hard inquiries on my report they told me they can't remove them. Called XXXX XXXX personally they said they couldn't remove them either. Stating under federal law they have permissible purpose to furnish this on my report but can't remove it. This is hurting my credit worthiness. I spoke to XXXX no last name was provided. Also spoke to XXXX at XXXX XXXX badge number XXXX
Product: Mortgage

I pay my Taxes on a quarterly bases When I made my last payment on XX/XX/XXXX in person for Taxes XXXX County Tax computers where down for year end maintance so they did not post until XX/XX/XXXX My mortgage co Freedom Mortgage sent a tax payment on XX/XX/XXXX and are now trying to force me to escrow with Them increasing my payment from XXXX to a new payment of XXXX a month I only get XXXX a month on social security so I can not afford new payment. I went to XXXX tx today they said XX/XX/XXXX payment from Freedom mortgage was applied to XXXX taxes ahead so I dont owe this quarter, I have never been late on a mortgage payment Can you Please stop the mortgage co from increasing my payment and let me continue to pay taxes out side of escrow. My Mortgage was transferred to Freedom Mortgage recently and have been a nghtmare from day one. No one will listen and they talk over you while trying to discuss. 
I do not have a phone or computer but You XXXX discuss with My son XXXX XXXX XXXX XXXX he also has authorization to discuss on my mortgage XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Equifax and XXXX Credit Bureaus to update this suspicious information. I think you have not validated these account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance Owed : {$230.00} XXXX XXXX XXXX Balance Owed : {$350.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 need to be investigated and deleted for erroneous reporting in my file and 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit profile was updated to show a delinquent account was removed from my credit reports including Transunion, XXXX and XXXX. After the delinquent account was removed, the action dropped my credit score significantly. A delinquent account removal should never decrease scores! This action is a positive change but instead is negative. I believe that these reports are false and I request my profiles to be properly updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit inquiries on credit reporrs
Product: Mortgage

I am in a short-sale with Bank of America. It mislead me, then lied to me, and now refuses to honor its word. I was approved for the short-sale Im in in early XX/XX/XXXX. BOA states " Further research shows that on XX/XX/2016, we initiated a short sale review. This particular program does not require an offer for the sale of the property be submitted at the time of application. As of that date an offer had not been received. On XX/XX/2016, you contacted us and informed us that you had XXXX prospective offers. You were advised that we would close the review and reopen a new review to accommodate the offers. '' That does not make sense. Why close the current program if an offer for sale does not need to be submitted in the application per BOA compliance person XXXX? This is what BOA used to start swindling me out of the $ XXXX relocation assistance, which is now has down to {$2500.00}. Then, I was told things by the multiple representatives that certain things were the case AND notated, yet compliance found none of those notes. This is the result of a previous investigation by the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$12000.00}, {$4500.00}, {$4700.00}, {$1900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account.
Product: Debt collection

On XX/XX/XXXX, I received an alert on my credit report that American Management Svc, placed XXXX ( XXXX ) collections on my credit report. The original debtor is XXXX XXXX. I use to work for XXXX XXXX, but I left this company, on good terms in XXXX of XXXX. ( Due to a automobile accident ). I have never heard from this company since I gave my XXXX week notice. The company went under during the Covid pandemic, and never was active again. I never received any type of documentation for any bill.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As my previous complaint # XXXX stated XXXX XXXX XXXX  is still unlawfully furnishing a charge off on my consumer report with out following federal Laws such as Fair Credit Reporting act and Fair Debt collection practices act. There is no where under the Fair Credit Reporting act requiring a financial institution to furnish negative information to a consumer report. This has been Causing me great harm and XXXX. I now have reason to believe that XXXX XXXX XXXX is using extortionate means on a extensions of credit which is a violation pursuant to 18 USC 892. My Privacy rights as a consumer are protected under the Gramm-Leech Billey Act. I Ask that XXXX XXXX XXXX immediately stop the reporting of a charge off to all 3 consumer report agencies this includes : XXXX, XXXX, and TRANSUNION. You will up date my consumer report reflecting the collection removed and updated to my report as Paid as agreed. Original assumed Creditor : XXXX XXXX XXXX  Acct # XXXX In accordance with the Fair Credit Reporting act and Fair Debt Collection Practices Act XXXX XXXX XXXX has violated my Consumer rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) : the term " consumer report '' does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 s-2 7 ( e ) No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency. 15 USC 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Your failure to comply with my instructions will result in civil liability for fraud Pursuant to 15 U.S. Code 1640
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 a 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: Checking or savings account

I am writing to express my dissatisfaction with the service I received during my stay at the XXXX XXXX XXXX., I made a reservation for XXXX, XXXX and XXXX Unfortunately, I had to cancel my reservation, but I was charged for the room anyway. Furthermore, I noticed that my signature was on receipts that were not mine, and I was not satisfied with the service I received during my stay. I have documentation that stats cancel and the bank refuse to honor that stating that no error was made .I have send in over the amount documents need to fix this problem. One manager saw the error and corrected it and the next day the claim was reverse. I had permeant credit on some the came back and reverse all those and debit my account. I told them I have been a victim of identity theft they spoke to me so rude The did not honor no claim when I had all the supporting documents there. The talk down to me and belittle, me the reverse everything even the one that had permeant credit I have been asking them to speak with someone to go over the claims one by one they say that they can not help me. I am very dissatisfied with the service I received from the XXXX bank. On how the handle me with my fraudulent transaction on my debit card and requested a refund. However, my claim was denied, and I was informed that the transaction was authorized. I strongly disagree with this decision and believe that I am entitled to a refund.
Product: Credit card

In XXXX  2024 a charge for {$150.00} appeared on my Amazon store card owned by Synchrony Bank. I contacted them that it was fraudulent, they closed card and reissued. Happened again in XXXX. Synchrony bank claims it was an authorized charge by me for an Amazon XXXX membership. I contacted Amazon to verify that I do not have a XXXX Membership  and they also confirmed that there is not a charge/purchase of {$150.00} in/on my Amazon account. I provided all of this information, emails/chat screenshots/purchase history, as proof from Amazons own representatives that I do not have nor did I purchase a {$150.00} XXXX membership, yet they still claim I owe the {$150.00} and the amount remains on my account with Synchrony Bank. I am being required to pay for this membership, which someone else is enjoying and fraudulently purchased.
Product: Mortgage

Our issue began in XXXX when we accepted Chase BAnk 's offer to suspend mortgage payments. THen when it was over the loan modification process was an absolute nightmare and incredibly predatory. Also, along side all this they are stealing and overcharging our esrow account and inflating the " shortages ''. They will not help you in person in the bank we have gone as high up as a VP at a branch location and she promised to help us but never heard from her again. I have spent XXXX 's of hours and frustration being passed around to different departments blaming the other. 
They claimed to not receive documentation from us and then did an accelerated foreclosure and then recinded that and offered a worse terms modification- they also put us in a XXXX loan and when logged into the dashboard it says XXXX  year. I have proof of all the payments made on time during the modification trial period and beyond. They took all those payments and cant account for them. This alone is over {$10000.00} with of payments. 
It is painfully predatory how they are treating us and we can not be the only ones. I imagine many others are suffering too. We don't have the means to hire attorneys or forensics investigators and all Chase does is make " adjustments '' to paper work and history in their favor and use the escrows to hide what they are doing. They increase our payments way beyond the increase of our taxes and insurance. Also, they will not allow us to remove escrows because that was the predatory term for the modification. 
THey will not let us communicate directly with fannie mae or XXXX XXXX and say that is who our loan is with and blame them. ITs a run around and they intentionally know what they are doing.
Product: Credit reporting or other personal consumer reports

I have been requesting my credit report from transunion for over two months and have never received it so whos got my report?
Product: Credit reporting, credit repair services, or other personal consumer reports

Kindly be sure with the accuracy and precision with this customer record account. Related information similar to this, this is amazingly harmful to my current credit record! Kindly provide that the particular information is 100 % verifiable and appropriate. 
XXXX XXXX XXXXXXXX Date opened : XX/XX/2021 Balance : {$20000.00}.