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

Wells Fargo Bank contact me by business letter, late XXXX, and did invite me to a coordinate " XXXX Program  '', and type to a " settlement conference '', that was conducted by Wells Fargo agent, sometime XXXX  ; " I was provided information from Wells Fargo agent attends during an confidential XXXX program conference, that stated by that Wells Fargo agent that applies bank account was in fact opened at Wells Fargo Bank without mine knowledge to do so ''. I was offered, and then there courtesy offered, I requested a total of {$1000.00}, in order settle matters regards I was attend the breach of contract pertain Wells Fargo Bank ; The {$1000.00} amount to settle claim was granted, and I was provided a courtesy settle arrange for deliver me an " Identity Theft '' services regards protect mine entity here, private and professional associate. 
" I did discover later, after I did receive a Wells Fargo business letter attends, for regards the Wells Fargo XXXX Program, dated, XX/XX/year>, that the issued to me part of XXXX  program settlement offer, was not as I did understand, perceive it to be, accords how explained by Wells Fargo XXXX host agent, but that relevant of render by settlement offer to me, " Identity Theft '' service, was for applies Wells Fargo Bank account holders, and or other bank account jurisdiction, and not for people at peripheral a outside jurisdiction, standard private, or professional business service to ... '' I became very upset regards this now discovered was an " not needed '' at applies too, unnecessary to have type identity theft service, that I did suffer a XXXX XXXX, upset mine VA XXXX XXXX XXXX XXXX and required me be compel use VA doctor prescribed XXXX. " I do sirs, not only ask decent refund, for regards this " not needed '' identity theft service program, but a total of add {$3500.00} more to mine settlement arrangement, due injury occur because of an unusual confined type " identity theft '' service that was confine only to bank account holders associations, that was not explained, emphasized enough, relevant a " confine to bank accounts '' product, was being delivered to me as part mine Wells Fargo Bank 's settlement offer, by Wells Fargo XXXX XXXX host agent ; Please do deliver me claim form to regards above mentioned, Wells Fargo Bank product agent compel me to injury / illness jurisdiction, and by that relative law, requires I receive.
Product: Mortgage

I am submitting this complaint against PennyMac, the servicer for a mortgage on my primary residence. PennyMac has erroneously force-placed insurance on my property, and I have been unable to resolve the issue with the mortgage servicer directly. The original mortgage amount was {$170000.00}. The current outstanding mortgage amount is {$100000.00}. The current value of the property is approximately {$270000.00}. Therefore, at this time the property has over 60 % of equity in it. 

The property is located in a condominium building in XXXX XXXX, Florida. The property is fully insured to replacement value for all hazards under the condos master policy as required by Florida Statute 718.111 ( 11 ). The attached copy of the Certificates of Insurance for the property evidencing this coverage has been submitted to PennyMac numerous times via fax and email. The coverage amount is {>= $1,000,000} for the 72-unit building, which equates to each unit coverage for {$130000.00} which is {$33000.00} over the outstanding mortgage balance. The latest copy was submitted to PennyMac via email on XX/XX/XXXX, and confirmation of submission was received on that same day. However, on XX/XX/XXXX, a letter was received from PennyMac indicating the coverage information had not been processed ( see copy of letter attached ). As a result, forced-placed insurance in the amount of {$25000.00} was placed on my property on XX/XX/XXXX at an exorbitant cost of {$1500.00} ( copy of Forced Insurance attached ). 

I contacted PennyMac several times by phone and email to discuss the misperception that my policy was not fully insured according to Section 5 of the recorded mortgage, copy attached. I contacted PennyMac by phone on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and spoke to agents for nearly one hour each time. I also contacted the servicer by email XX/XX/XXXX and XX/XX/XXXX. During each contact, I advised PennyMac of the existence of replacement value coverage and my ability to self-pay any damage in excess of that amount from personal cash reserves. However, the company refuses to remove the forced policy and continues to indicate my unit is underinsured. Assistance is requested to resolve this costly misunderstanding.
Product: Mortgage

Highlands Mortgage Servicing department is refusing to remove escrow from my loan. Highlands uses misinformation and unethical delay tactics to continue to deny the removal of escrow from my loan XXXX. 

I have given them signed written and verbal instructions to remove escrow from my loan, yet they continue to deny the removal. 

Highlands even lied on CFPB complaint XXXX saying that my loan was transferred to another servicer when the loan I am asking about is serviced directly by highlands. 

I have had written correspondence with : XXXX XXXX XXXX XXXX XXXX XXXX I have also called XXXX XXXX about this matter as well. 

All correspondence goes nowhere - Highlands is needlessly delaying the removal of escrow from my loan.
Product: Credit card

XX/XX/year> XXXX - Hackers got a hold of my phone number via eSIM and stole my phone number while I was asleep. 
XX/XX/year> XXXX - Wells Fargo credit card application was submitted and approved even though the hackers failed to provide my employer or drivers license number. 
XX/XX/year> XXXX - Hackers added the Wells Fargo card to XXXX XXXX account on an XXXX XXXX. I do not have this kind of phone. 
XX/XX/year> - 1 purchase charge was made through someone else 's XXXX XXXX account for {$4200.00}. 
XX/XX/year> XXXX - Hackers purchased multiple tickets through my XXXX account, got into my XXXX account, and other accounts using 2 factor authentication with my stolen phone number. 
XX/XX/year> XXXX - Card was deactivated from XXXX XXXX account. 
XX/XX/year> XXXX - Purchased tickets were transferred to the same person and email address XXXX XX/XX/year> XXXX - More tickets were purchased through my XXXX account and transferred to the same person. 
XX/XX/year> XXXX - I wake up to discover my cell phone is in XXXX mode. I couldn't even make a phone call. I was able to text my husband, who then immediately called the phone company and they sent me an XXXX to reactivate my phone remotely. We also discovered the hackers opened a land line on our phone account. 

I have filed a police report. I have reported ID theft to the FTC. I have emails with time stamps proving when my XXXX was transferred and when I got it back. All of the companies I have disputed fraudulent charges with have fixed it for me, except Wells Fargo. I have been repeatedly denied with the excuse that the charges were authorized from my cell phone and email address even after I told them that all of my personal information including my cell phone and email address were compromised. I have frozen my credit and signed up for Identity Theft Protection. I have disputed the Wells Fargo card directly through XXXX, which they then removed the card from my credit, but Wells Fargo still refuses to close the account and send me a letter stating I am not responsible for this fraudulent account and charges.
Product: Debt collection

I contacted the company and let them Im the registered owner of the certificated security and the amounts due is owed to me and that I dont allow them to collect anything on my behalf and they need to send the information back to XXXX XXXX XXXX
Product: Debt collection

Penn Credit : trying to collect debts for {$310.00} from someone who opened a XXXX XXXX acct. This account was not opened by me. Reported as fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNT IN MY NAME WITHOUT MY CONSENT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Money transfer, virtual currency, or money service

XX/XX/2020 I attempted to purchase something from XXXX XXXX via the mobile app and checked out using XXXX XXXX. When I authorized the payment I was presented with an error that the purchase failed and IMMEDIATELY got a notification that the {$350.00} was debited from my cashapp account. There is no order, there is no history of an order, no email confirmation, and XXXX XXXX has no record of the purchase. But I am missing my money. I called multiple XXXX XXXX representatives and none of them could help me and I was told to dispute it with my bank. Cash App has atrocious customer service and refuses dispute the charge. They pointed me back to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the newly established policy of the President of the United States, to wit : The debt of these XXXX veterans will be completely erased,, I hereby respectfully request that XXXX and Equifax erase are references to any and all debts owed to The United States Department of Education, XXXX XXXX, or their assignees/agents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working to restore my credit in order to qualify for a mortgage. Recently I paid off an old charge off and my credit score namely   XXXX   XXXX   which is used by lenders took a severe hit. I started the month o f   XX/XX/XXXX    at a   XXXX  . In an effort to increase my score I paid off an old charge in full. My score was then dropped by the   XXXX    agency to a  XXXX . The explanation offered by   XXXX   was because I had paid on an old account that it warranted my score dropping even though the account was charged off for 2+ years. This does n't make sense since I had also paid off prior charge offs in the months of   XX/XX/XXXX  an d   XX/XX/XXXX     and my score increased. But it gets worse. It 's public knowledge that  XXXX  was going to remove Civil Judgements if they did not have a social security number associated with them. I had a civil judgement from   XX/XX/XXXX  ( which was satisfied in  XX/XX/XXXX   ) removed from my credit report on or about   XX/XX/XXXX .    XXXX   XXXX   score dropped another   XXXX    points to a  XXXX . I have attempted to reach out to the  XXXX  Agency for an explanation into their scoring methodology. They can not explain such a large drop in less than one months time. Nothing else on my credit report has changed. No new debt or derogatory items were reported. I find this whole process to be inequitable and inexplicable. Like many Americans I ran into financial difficulty during and after the financial crisis. I am only attempting to qualify for a mortgage like I had prior to the crisis. I never had a bankruptcy or foreclosure. Despite doing the right things and paying old debts my score continues to drop. How is this fair to the consumer?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported both credit reporting agencies as they are violating the FCRA. I have submitted several disputes with these companies for an item under XXXX XXXX XXXX  reporting on my credit. This account has come back as verified yet both companies have failed to provide substantial evidence that this account is mine per the FCRA. I have asked for methods of verification as E-Oscar is not a reasonable method for verification. I have received nothing to date. I am filing a final complaint along with a letter from this company confirming that they don't even have an account with my name attached. I would like to know how these CRAs are verifying information when the company furnishing the information states the above in a letter I have attached. 

I will be filing a lawsuit against this company for damages and would like this report filed so that it can be submitted as evidence to the courts. 

Along with this previous violation, I would also like to add that per the FCRA, the account has not been noted as disputed by consumer with in 30 days. This is another violation of my rights and I will be seeking damages for the same. I have attached an updated credit report as well as documentation showing the original date of dispute to confirm my claims. 

To be clear, Transunion has not responded to my recent correspondence of the matter.
Product: Payday loan, title loan, or personal loan

On approximately XXXX-XXXX-2017 I visited Ace Cash Express located at XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX, my intent for the visit was to recieve a payday loan. After providing all required documentation, a cash advance of {$200.00} was approved, I understood the funds were provided through third party was given a due date in which the loan should be paid back and left the business. On XXXX-XXXX-2017 I returned to the business named above to pay my loan and borrow it back, once again provided all of the documentation requested by the company and was denied by the CSR, I called the XXXX number provided as well as the third party lender only to hear there was nothing that could be done about the situation. I need answers. I am highly seeking litigation.
Product: Checking or savings account

Marcus by Goldman Sachs has refused to payout my {$100.00} savings bonus for maintaining $ XXXX for 60 days. They allege that I was deemed ineligible for the bonus as I had apparently made an ACH withdrawal the same day I enrolled for the promotion. I totally forgot about this, certainly an honest mistake. However, XXXX should have performed due diligence and informed me ASAP that I was no longer eligible as I am effectively tying up $ XXXX for 60 days under the FALSE impression that I was still eligible. This is misleading and deceptive practices and completely unprofessional.
Product: Payday loan, title loan, or personal loan

I have tried multiple times to come to a resolution with avant. Every employee at that company is quick to pass the hat, and then nothing is done. They claim they strive for customer service, absolute lie. They are crooks who take people at a high rate with no hopes of them helping or resolving your issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX  XXXX, XXXX XXXX XXXX, XXXX/XXXX   XXXX and XXXX XXXX
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 : 1. Validate this false charge off it does not belong to me XXXX Account Number : XXXX As a consumer by law this must be deleted immediately 2. Validate this false charge off it does not belong to me XXXX Account XXXX : XXXX As a consumer by law this must be deleted immediately 3. Validate this false charge off it does not belong to me XXXX XXXX XXXX  Account Number : XXXX As a consumer by law this must be deleted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and noticed the following issues. XXXX XXXX  - Account number : XXXX This account has many errors/inaccuracies. High credit is not accurate - account is being reported inconsistently across all three bureaus. Date opened is not accurate - account is being reported inconsistently across all three bureaus. Date last active is not accurate - account is being reported inconsistently across all three bureaus. Payment status is not accurate - account is being reported inconsistently across all three bureaus. Payment history is not accurate - account is being reported inconsistently across all three bureaus. I sent a letter on XX/XX/2022 and requested that they removed this account from my credit report due to FCRA violation and they failed to do so.
Product: Debt collection

I do not owe this debt I never did and never got any proof showing that it is mine and why I owe that amount
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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 XXXXXXXX XXXX XXXXXXXX, MI XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I've mistakenly sent money through zelle to wrong accounts back then. They did not have a warning stating if any errors, we would not get our money back.
Product: Credit card

During the month of XX/XX/year>, I lost my Wells Fargo credit card. I disputed charges with Wells Fargo. I provided them evidence of a police report. My bank statement showing I was in XXXX XXXX at the time of the fraud which the card was being used in XXXX, Texas. I provided them my flight information of the dates I was in XXXX XXXX. When they denied my claim, I resubmitted it and they denied it again, but t

hey will not let me talk to any investigator. I am currently a XXXX XXXX XXXX XXXX XXXX  and Wells Fargo has told me I have to pay over {$9000.00} plus they put late payments on my credit report due to all these fraud charges
Product: Student loan

I recently submitted paperwork verifying my employment at a nonprofit organization to FedLoan after being moved to them upon request for PSLF. My initial verification for my previous non-profit job only shows 4 months of confirmed employment, but I was employed with this organization for 10 months and then moved to another nonprofit. My applications show this to be the case, but every time I contact their customer service ( through email, online chat, and calling ) I get a different answer on how to solve the problem, from submitting a new application to the wrong person signed it to the phone number missing from the application ( it wasn't ). I resubmitted the application, and now I am told it can not be digitally signed even though there is no digital signature for the application. I am at my wits end and have received no help that will actually solve the issue of the missing months of service with this organization. No wonder so many people don't get the right information about PSLF since its probably the most complicated system to verify regularly. I have to submit my tax information to be approved for IBR and PSLF, and it's the same EIN for the same employers on both my taxes and loans, so why does this have to be so complicated?
Product: Checking or savings account

I received numerous emails from Bank of America. It started at XXXX on XX/XX/2022 with an email stating an online application is in progress with a confirmation number. The another email to verify my email address. Then 2 minutes later I got your application was approved. Your new account is open. Next a welcome to online and mobile banking. Your enrolled in Online banking and mobile banking. Then an email that my email address was updated. And lastly, We're confirming your contact information has been changed. Your address or phone number was changed on XX/XX/2022. I drove to the local branch to ask about all these email 's that I am receiving because I never banked with Bank of America before. Or did I open an account today on XXXX. I was an authorize user years ago on my dad 's credit card. And the name on the account was the same incorrect spelling of my XXXX name that was on a credit card long time ago. Also, I am married now so my last name is no longer exist. I am guessing Bank of America got hacked. I personally don't think someone has all my information. Bank of America confirmed that an account is open in my name under my social security number. I was giving a XXXX XXXX XXXX number to call. I have been on hold for an hour and twelve minutes to get the wrong department. Now I am on hold again. Finally got a representative who started a claim. Next step is to do a security freeze on all three credit bureau. The representative claims the account was closed.
Product: Credit card

I have a Best Buy credit card which is a Citi Bank account. They have a service called XXXX XXXX. I informed the store clerk that I no longer want the service, as their terms of service changed. They assured me upon renewal I would not be charged. Several months later I received a text message from Citi Bank that had a payment due. I had not received any statement indicating that I had made a purchase. Upon calling Citi they informed me I have a charge on my account for the XXXX XXXX service for another year. I call Best Buy customer service, explaining the charges and was informed that because I did not contact them within XX/XX/year> days I would be obligated to pay 20 % of the charge which amounted to about {$45.00}, along with late charges, now owning over {$100.00}. I explained had I received a statement indicating a charge, otherwise I would have timely responded. Needless to say I'm frustated dealing with them and additionally concerned about having my credit dinged. My FICA score is well above XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX of birth XX/XX/XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the XXXX, XXXX AND EXPERIAN credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX balance {$22000.00} This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO. I've attached the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.