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

I opened a SoFi checking account on XX/XX/year> based on a promotion they were running offering {$300.00} cash bonus for direct depositing {$5000.00} or more within the first month. 

After completing the requirements, I received a bonus of only {$50.00}. When reaching out to Sofi bank, they advised i did not meet the requirements- however within 1 month of my initial direct deposit in XXXX - i had 2 additional direct deposits totaling over {$7000.00}. 

I've tried to contact their customer service department, who is adamant i did not meet the requirements- and unfortunately refuses to escalate me to their manager/higher department.
Product: Checking or savings account

I have a personal dispute with my business partner, XXXX XXXX. We own a business in the state of California. I am XXXX, XXXX and he is white. He inaccurately filed a statement of information with the XXXX of XXXX which I caught and immediately noticed XXXX in person on XX/XX/2020. I brought them all the documentation. They refused to take it. Gave me reference # XXXX. I then emailed them all the documents and called the next day. No response. I went to another branch on XXXX XXXX on Tuesday, would not take any information or tell me anything. I called telephone banking several times and also spoke with numerous wellsfargo employees. I don't even know what the balance is an account that we have a credit card and I have XXXX of personal funds in. I went again today on XX/XX/2020 and tried to give them all the documents again only to receive and email from a XXXX XXXX stating they are still looking into it. Meanwhile my business partner has suspended access to our XXXX and I have no way of knowing what credit he is pulling on behalf of the company or what deposits or withdrawals are being made. I am getting collection calls from recurring expenses for the business. I believe my business partner is misappropriating funds from the Pay Check Protection Program. I have no way to even find out right now. I noticed wellsfargo of the fraud and they did nothing. Nothing. 

Today is XX/XX/2020 and I can not even pay recurring expenses and getting collection calls.
Product: Credit reporting

My request for a free credit report from Trans Union was denied online. So I hope you can help me figure out what is wrong with my credit and why I can not get a free credit report since I have a right to get this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a letter to Transunion and XXXX asking them to verify the bankruptcy on my report from XX/XX/XXXX. I feel they are reporting this bankruptcy illegally and in violation of the FCRA because they did not verify the information directly with the court. The court does not verify this information directly and I have included a letter to that effect. No bankruptcy court will verify a bankruptcy case to any credit reporting agency. I was then told me they used a third party vendor in XXXX to verify, which is also untrue because I have documentation of a security freeze I put on my XXXX report earlier last summer. Since they have no way to verify and are only assuming that since the bankruptcy was valid in XX/XX/XXXX that they have the right to report this illegal information for 10 full years. I willl be filing a case in small claims court here in Massachusetts seeking {$5000.00} in damages and a court order to compel Transunion and XXXX to remove thIs illegally reported information. Also, any account included in this bankruptcy should also be removed from my credit file. Thank you for your help.
Product: Credit reporting or other personal consumer reports

This creditor is reporting late payments on my credit report. The late payments are for XXXX of XXXX and XX/XX/XXXX. These are inaccurate.
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 {$0.00}, {$0.00}, {$0.00}. 
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 ) -- REAL ESTATE LOANS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Mortgage

In XX/XX/XXXX I remove my home insurance from my current lender ( Freedom Mortgage company ) because they increase my policy and went ahead and found me another company which provide me a better prices. I decide to go renew my home insurance policy with my new company starting on XX/XX/XXXX to XX/XX/XXXX. My new home insurance company sent all documents needed to my lender so my mortgage can be in accordance so I can start paying my mortgage including my home insurance with not problem. In XX/XX/XXXX the lender company decide to do an audit on my Home insurance and decide that I have a negative balance because instead to do an audit for one year home insurance ( XXXX which is current ) decide to add an additional year ( XX/XX/XXXX to XX/XX/XXXX ) without my concern or without me having a new contract with my actual company or with out a payment from them. I called my company ( XXXX ) to see if the lender paid in advance the insurance they are trying to make me pay ( XX/XX/XXXX to XX/XX/XXXX ) or if they renew on my current home insurance where they state NO. So now, my complaint is that my lender or mortgages company is trying to make me paid 2 times my XXXX XXXX XXXX instead for the one year contract I have with XXXX which is being already paid by the lender and is part of my regular monthly payment.
Product: Credit card or prepaid card

Bank of America falsely reported bad credit to the credit bureaus and closed my account, which I have had with them since 2002. I am living overseas at the moment, so I do not use the card frequently. Then all of a sudden, I got an alert that I had a {$50.00} unpaid bill from Bank of America and that they had reported delinquent credit two months in a row. This was unbelievable to me, since I had not used the card. But I paid it anyway, just to get them to stop reporting my credit. But then they closed my account, after 16 years of being an excellent customer.

I spoke to XXXX XXXX today, a supervisor in their customer service department. But he refused to help and yelled at me.
Product: Payday loan, title loan, personal loan, or advance loan

i have been trying to pay XXXX cause thats all i have left on loan but you guys are not allowing me to update my bank info everytime i give my info its saying i cant make my primary account which i dont know why so can you guys just give me the address so i can send it in money order cause you guys app XXXX so all i need is a address i have 18 days before this account is default and im already getting late payments for this XXXX when i have been trying to pay for months i moved and everything
Product: Mortgage

I initiated a mortgage refinance application with Rate Rabbit but was unable to proceed due to personal reason. The Rate Rabbit charged me with a {$180.00} appraisal cancellation fee ; however, this charge was never disclosed to me during the entire process, and was not something disclosed or agreed upon.
Product: Debt collection

Information was submitted to I c System that was not factual. I c System deleted the information from credit reports agencies. Credit reporting agencies continued to report information on the consumer that was requested to be deleted by I c Service. Credit reporting agencies purposely decided to ruin consumer 's credit history during a pandemic and ignored the federal law. Negative information was not to be placed on credit reports during the pandemic. Credit reports are to be available to consumers on a weekly basis.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft. In accordance with the fair credit reporting act XXXX  has violated my rights section 602 A. States I have the right to privacy. Section 604 A. 2 it also States a consumer reporting agency can not furnish a account with out my written instructions. Also most of the information is wrong. I am uploading a utility bill with my correct address all others and other accounts are wrong please delete so I will not be the victim of identity theft again.
Product: Credit reporting or other personal consumer reports

Pursuant to 15 USC 1605a the finance charge included the sum of all charges so therefore this late payment is illegal and not valid please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that
laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX  without any influence and this is not a third party. 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. 

XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX Section 602 A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

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
Product: Credit reporting

DISPUTED XXXX XXXX BANK SINCE XXXX. WITH THE ASSISTANCE FROM THE CFPB I HAVE GOTTEN IT DELETED FROM XXXX, HOWEVER THEY REMAIN ON EXPERIAN AND XXXX. I WILL NEED THE FRAUDULENT INQUIRIES REMOVE FROM ALL XXXX BUREAUS
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my credit report that are past the statue of limitations and are over the time limit to be removed with all bureaus and it needs to be corrected.most accounts were in chapter  XXXX  and are open accounts that should be closed.
Product: Mortgage

I am a XXXX XXXX XXXX  veterans ; therefore, in the state of Texas property taxes are not assessed. 

In XX/XX/XXXX, I informed the Mortgage Company ( BSI Financial ), that my property status has changed and that I no longer had to pay property taxes. The mortgage company explained to me that they would need the tax bill from the City before any changes to my account occurred. 

In XX/XX/XXXX, I received a new escrow analysis from BSI, listing no change. I immediately called the Mortgage company to speak about the inaccuracies in this report. Their Customer Service Rep explained to me that I had no worries, but to send documentation from the City stating the fact that I was exempt. ( See attached ). 

As of today, and after sending the attached several times and also, asking the City to send this same letter BSI and the multiple phone calls to BSI, still there has not been any changes to my account.

Again, I spoke to BSI on yesterday and now they are asking me to send a bill from the City that states XXXX balance. I explained to them .... that the city send them the bill and even though it didn't state XXXX balance, the amount paid for XXXX was significant less than the previous years, and yet they failed to request another analysis, based upon the amount paid ( XXXX ), again for XXXX. As of yesterday, a request for a reanalysis was request. Even though the re-analysis should be based upon XXXX and not XXXX. 

My issues are, I am a XXXX Veterans ; who property taxes are not assessed, who is not require to pay property taxes ; therefore, my escrow account with BSI should reflect this fact. I should not have to wait until XX/XX/XXXX until a new bill for changes to occur. ( 17 months ) Especially, when the attach letter states, " The taxes for XXXX will be {$0.00}.
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 {$2000.00}, {$0.00}. 
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 ACCOUNT 1. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

-- INSTALLMENT LOAN 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Mortgage

My husband died penniless after making bad investments. 
I have been sick for years as a result I am not privy to the details pertaining to the mortgage or financials regarding the house. 
The house was bought by the lender in XX/XX/XXXX. 
We asked for an extension to reorganize our assets and have the ITS remove the lien against the house. 
My husband worked in other states and overseas because he was an independent contractor.

The result was that he did not pay some of his taxes in the US. 
Whike trying to rectify that with the IRS, I had it had skin since XXXX, I was hired by the county of XXXX on XX/XX/XXXX. 
I was not able to proceed to work after three months of training. I XXXX go on XX/XX/XXXX. 

In the meantime we sought help from an Attorney to help us remain in the home shoe we try to figure out how to vacate and where we would live next. The house was our only investment. We couldnt even refinance. I am the administrator of the estate, We need certain assurances and to legally occupy the house with known limits as to how long we can be in the home. 
Also my husband told me that he paid off the mortgage and the house was supposed to be a safety net for our kids.
Product: Money transfer, virtual currency, or money service

I created an account with RobinHood XXXX a few years ago and at one point the phone I used to create my account was compromised. I was not able to log in again because I forgot my password and started a ticket with Robinhood immediately. They asked me to provide information and decided that I was not who I said I was. I received mail by Robinhood saying that i would be penalized everyday i didnt update my information by XX/XX/XXXX so i contacted them immediately onXXXX. It is now XX/XX/XXXX and no response from them once again. I am very concerned for my tax refund if i dont have the proper documents and RobinHood is not helping me in anyway. I feel hopeless and helpess and I don't know where to turn to. I don't have money for legal fees against such a large company.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX  Attn : Equifax security freeze team Please remove all fraud alerts and credit freezes from my Equifax credit report immediately. I am unable to obtain credit or view my Equifax credit report which is affecting my credit worthiness and the ability to establish new credit. Myself or creditors are unable to view my report. 

Please remove it immediately Thanks. 

Attached to this complaint is a copy of utility bill, drivers license and ssn card..
Product: Checking or savings account

In the first part of XX/XX/XXXX Bank of America froze my checking and savings account saying that they had decided to close my joint account. However, they didn't close it until XX/XX/XXXX and held my XXXX and couldn't give me any answers until they completed their investigation. This continued all the way till XX/XX/XXXX when they mailed me a letter saying thank you for being patient while they conducted their investigation and considered this matter closed and included a cashier 's check for my XXXX. Now they are reporting to XXXX " fraud risk and unpaid XXXX outstanding. I never did anything to them. I need a bank account. This is unfair and unethical.
Product: Checking or savings account

I was contacted by someone claiming to be from the Wells Fargo fraud department. She attempted to verify some transactions that were not mine. I was sent a text code, also from the normal Wells Fargo number i get the 2 factor authentication from. I gave her the code. I believe she then was able to login to my account. She asked for my XXXX secure token id for some reason. I gave it to her but then immediately realized something wasn't right. I hung up the phone and called Wells Fargo immediately. While i was calling i got a notification that a wire went through. They told me on the phone that she wired money to XXXX XXXX XXXX XXXX and i didn't understand why they couldn't ' call them immediately and say 'do n't let this money leave '. They ( wells fargo ), did not seem in a hurry to do anything. They reset my username and pw for online access and told me i needed to go into the bank and close the account and open a new one, which i did the very next day. They have now denied my claim saying i'm responsible for all wires on my account regardless of whether i authorized them or not. This is crazy. I was also told in the bank that i would get the money back and now i'm told i want. This is absolute fraud, i did not authorize this wire and I was scammed.
Product: Credit card

I applied for an American Express business platinum credit card on XX/XX/year>. Soon after, I got a denial letter that said : Based on your credit report, you have too many new bank card accounts. 
On XX/XX/year>, I called AMEX customer service. They told me they used my XXXX credit report for this decision. But they did not tell me how many new accounts they think is too many, or how long they look back. 
In the last six months, I only opened one new credit card.Since AMEX did not say if they consider six months, a year, or another period, I do not know how to solve this issue.

I tried to get more details, but AMEX stayed vague. Because they did not clearly explain their decision, I can not tell if my credit history really caused the denial or if they misunderstood my situation.And I try to request reconsideration were denied.