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

On XX/XX/XXXX, XXXX unauthorized transfers were made without my consent. The first was a a {$8500.00} transfer from Saving to Checking within Wells Fargo, and the second was a {$11000.00} Wire transfer to an outside bank account. I called immediately when I got an alert. Wells Fargo asked for a letter from my cell phone provider and phone records and I provided them on XX/XX/scrub> 2024. I submitted the following letter and supporting documentation and followed up with an email in the Wells Fargo email system XXXX weeks later asking for an update. Wells Fargo has yet to respond.
Product: Credit reporting or other personal consumer reports

I filed a complaint on XX/XX/24 with Equifax, XXXX, and XXXX via the CFPB. I asked them to remove some inquiries from my credit report that did not belong to me, but they would not comply. These unauthorized inquiries are a result of identity theft. 15 U.S. Code 1681c2 states that ( a ) BlockExcept as otherwise provided in this section, aconsumer reporting agencyshall block the reporting of any information in thefileof aconsumerthat theconsumeridentifies as information that resulted from an allegedidentity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of theconsumer ; ( 2 ) a copy of anidentity theft report ; ( 3 ) the identification of such information by theconsumer ; and ( 4 ) a statement by theconsumerthat the information is not information relating to any transaction by theconsumer. I attached the a list of the unauthorized inquiries as well as my FTC report. THESE TRANSACTIONS WERE NOT MADE BY ME. I NEVER GAVE WRITTEN CONSENT TO PULL MY CREDIT. YOU HAVE 4 DAYS TO REMOVE THESE UNAUTHORIZED INQUIRIES FROM MY CREDIT REPORT!
Product: Debt collection

I repeatedly since XX/XX/2020 been sending and calling in every month to have this collection deleted from my credit report. this is not my debt I don't know who you guys are and I don't have a contract or an agreement with you. I do not owe this company any money. I have 3 collection on report from this company totaling {$1500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On about XX/XX/2019, ,I Applied For A Personal Loan Again And Was Denied For The 20Th Time, ,I Really Don't Understand Why I Keep Getting Denied,,?? Yes Did Send Me A Credit Report Of The Agency To Contact But When I Call These Companies They Would Not Give Much Help,, Concerning These Matters, ,I 'm Very Disappointed About This Matter, And XXXX XXXX haven't Not Did They Job, ,Now I Have Complained About This Problem Before And Still No Help, ,Now I Know Do Some Type Of GOOD Credit To Be Able To Receive A Personal Loan, ,What Happened To My Credit?? That Is The BIG Question?? I'm Starting To Believe This A Form Of ( DISCRIMINATION )!!!!, ,How Can This Company Get Away With This Matter,!!!! My Opinion I Really Think This Company Is Responsible For Fixing This Matter, ,This Very UnAcceptable!!!
Product: Mortgage

I received a notice from Loan Depot, in which I was informed that they had already conducted a Mortgage Analysis on my house, and that I was eligible to apply for a special refinance program, that would allow me to borrow up to, and perhaps more, than the amount of my current loan, which is at 4.25 %, fixed for 30 years, conventional loan. It stated the new rate would be 3.125 %, w/ 3.788 % APR. So I KNEW that there would probably be points involved in the loan, but it stated that my new monthly payment would be {$450.00}, a little more than {$100.00} less than my current payment. I described my mortgage thoroughly, my XXXX XXXX was listed as exceptional. The " offer '' stated " no or low closing costs. '' which ended up being several XXXX dollars. It also said no hidden fees, and possible no appraisal or income verification. I knew that was misleading. But it was only as I was about to give him my credit card to start the process that I finally understood him well enough, that it was now 3.35 % [? APR ] and worst of all it was an XXXX ARM. He said there were limits on how much it could go up. He THOUGHT it was about 2 % /yr. I felt as though, if I had not been an attorney myself, though retired on XXXX for many years, he was trying to set me up for an action that could have easily bankrupted me or my heirs at some point, at least after 10 years. I FELT as though he was clearly being fraudulent with his explanation to me about this proposed transaction. I have his email, but will not include it unless you think that would be appropriate and safe. I would simply like to advise other people who may not have as much experience with mortgages or property law to be cautious if any one should decide to pursue a transaction with them.
Product: Checking or savings account

I opened a Chase Checking account on XXXX XX/XX/year>. According to the terms, I was to receive {$300.00} bonus provided Make direct deposits totalling {$500.00} or more within 90 days of coupon enrolment. The coupon code for this offer is - XXXX XXXX XXXX XXXX. 

On XXXX XX/XX/year>, my first direct debit of {$1000.00} was made. Upon contacting the bank after a 3 such direct debits and several email exchanges, on XXXX XXXX, I was informed that a request has been submitted and that the bonus will be credited. However neither the money has been credited nor have they replied to any of my follow-up emails. 

I hope this complaint can solve this.
Product: Mortgage

I have a mortgage loan through Home Point Financial. I privately purchase flood insurance for the property which I have the mortgage through. Home Point financial has illegally set up an escrow account for the flood insurance which I am purchasing privately. I have contacted them multiple times via telephone and sent multiple faxes requesting that this unauthorized account be removed from my mortgage. They have refused. They are not authorized to collect payment for a service which I am privately purchasing.
Product: Consumer Loan

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2010, XXXX 2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and EMCE is falsley pretending to be a student loan place and has illigslly accessed my credit and used old address.and the XXXX ca. XXXX is being fraudulent due to my dad 's widow and her people XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX she and him are ceriel widowers and fraudulent individuals as well as her sister XXXX and brother XXXX XXXX who is a fraudulent child group home worker in banning ca.XXXX.alert the IRS and check the books on all adults ssi paperwork and income and you'll see.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX : {$5700.00} XXXX XXXX XXXX : {$0.00}
Product: Credit card

I have been unable to make my monthly payments on my Capital One credit card due to the increase in interest. ( 24 % to 30 % ) I requested a payment settlement to satisfy the debt and close the account. I also requested documentation showing that I agreed to this interest increase, but Capital One will not provide it. 

I sent multiple certified letters requesting email correspondence and the settlement. Due to my work schedule, I can't be on the phone, and their services are closed when I get off work.
Product: Prepaid card

Every week when my money would hit, I had to pay thing and I would make like two or three transactions and the card would freeeze and sometimes I couldnt unfreeze for some days and as a result it would mess up my automatic withdraws without me knowing and would make my payments delinquent sometimes even cancel service..
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2016, I was shopping in XXXX XXXX XXXX. I stopped at the food court and bought a meal. After I finished eating, I went into XXXX XXXX to try on a couple of suits. I didn't see anything I liked or that fit me quite right, so I decided to leave the mall. When I got back to my car, I realized that my wallet was missing. I immediately ran back into the mall and retraced my steps to see if I could find it. I checked the food court and the dressing room where I tried on the clothes. I couldn't find it and no one else had seen it either. I cancelled my bank and credit cards and made plans to go get another social security card and license. 

Recently, I had my credit pulled because I'm trying to purchase a home and noticed some accounts and inquiries that didn't belong to me and that I didn't authorize to be opened. LVNV Funding ( from XXXX XXXX ) and two accounts from XXXX XXXX XXXX. I never opened those accounts nor did I sign or authorize anyone to open those accounts on my behalf. I believe those accounts are the direct result of me losing my wallet in 2016 at the XXXX XXXX XXXX. 

I also see that someone applied for a car in my name resulting in various inquiries on my report. I did not apply for a vehicle, nor did I authorize anyone to run my credit and I surly didn't sign for anyone to run my credit. Here is a list of the inquiries that appear on my credit that were not authorized : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX The above is a list of all the accounts and inquires that resulted from identity theft. 

I am requesting that all three of these accounts and all three of these inquiries be removed from my credit reports with XXXX, XXXX and XXXX immediately. I have tried to resolve this matter with these companies as well as went through the normal dispute process offered by XXXX, XXXX and XXXX with no success. Im also including a copy of the police report that was filed for the identity theft.
Product: Debt collection

Pinnacle Recovery Inc responded on XX/XX/XXXX Complaint ID : XXXX concerning a debt/bill that belong to XXXX XXXX XXXX XXXX in which there has been no contact by XXXX XXXX XXXX XXXX since XX/XX/XXXX. Pinnacle claims I talk to them never talk to them on the phone and told them to cancel my account. Pinnacle has no proof I spoken to them in any manner regarding an account there not the primary owner of nor did I agree or sign anything pertaining to a contract with Pinnacle Recovery or made any agreement nor spoke to on a phone. My next issue I have not lived in XXXX XXXX Nevada since XX/XX/XXXX in which my mailing address was change and updated by the post office. My next issue is the address Pinnacle was mailing to me in XX/XX/XXXXis not my address nor have I had this address appears to be a strip   center. Only was contacted by a law firm in regards to this debt in which has been no contact by XXXX XXXX XXXX nor any mail sent by regular mail or certified by XXXX XXXX XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX in which I have also filed with the US in which is 2 years before office and various other documents I have that has issues that violates certain laws and been sent to the US Attorney office of there practice. As of this date being XX/XX/XXXX I dispute all and any debts by Pinnacle Recovery due to there has not been any contact by the original creditor nor Pinnacle Recovery Inc as there letter dated XX/XX/XXXX and I have not lived in XXXX XXXX NV since XX/XX/XXXX in which is over 2 years before this letter was mailed to address that does not belong to me. All debt on this account was in dispute back in XX/XX/XXXXin which there was errors and other issues with XXXX XXXX XXXX XXXX XX/XX/XXXX. I also have proof from my company I have a contract job in which I travel for contract work and I was not in XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX AND XXXX ARE REPORTING FRAUDULETN ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX : XXXX -- -> : {$50000.00} XXXX XXXX XXXX XXXX -- XXXX : {$8100.00} XXXX XXXX XXXX -- -- XXXX : {$630.00} XXXX XXXX XXXX -- -- XXXX : {$6000.00} XXXX XXXX XXXX -- -- XXXX : {$920.00} XXXX XXXX XXXX -- -- XXXX : {$5500.00} XXXX XXXX XXXX -- -- XXXX : {$3000.00} XXXX XXXX XXXX -- XXXX XXXX : {$3000.00} XXXX XXXX XXXX -- -- XXXX XXXX {$6400.00}
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, I requested that XXXX update my student loan balance. I sent them the balance statement and the forgiveness letter. XXXX stated they gave this information to XXXX and that it is XXXX that is refusing to update the information. XXXX keeps sending me an old balance from XXXX of XXXX, and now they are refusing even to let me dispute the amount stating " We have investigated, and this is the balance owed ''
Product: Bank account or service

To whom it may concert, Wells Fargo has been mailing me information about an account that was fraudulently opened without my consent or knowledge. Based on the documents that were addressed to my seven-year old daughter in 2012, I feel certain in saying that she was a victim of fraudulently banking practices by Wells Fargo as well. I called Wells Fargo on Friday, XXXX XXXX and received a case number, a toll-free phone number, as well as the name of the individual my case is being " handled '' by. That information is : Case number : XXXX Phone number : XXXX XXXX Case Worker : XXXX XXXX ( work hours : Monday-Friday XXXX XXXX ) Per your request, I have the original documents regarding these issues and can fax, scan, or email, whichever is a preferred method. Thank you for allowing me to generally bring focus this matter and am looking forward to hearing from you. 

XXXX XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Cease and Desist Request for Deletion of Collection Account Dear COLLECTION COMPANY, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

When calling my banks customer service On XX/XX/XXXX at XXXX XXXX ( AZ ) to find out why a dispute ( Filed on XX/XX/XXXX XXXX XXXX 41 Min 53 Sec ) had taken more than 90 days. I was told Visa had  not decided on my dispute yet. When I asked to speak to a manager I was put on hold for 25 minutes then I got XXXX she informed me that while on hold Visa had determined the dispute was not in my favor as she quoted a support message that was sent to me while I was on hold. I do not feel this dispute was correctly or fairly decided. The merchant XXXX is only a third party providing a reservation for hotel accommodations, which the Hotel Property XXXX XXXX XXXX near XXXX, refused service to me saying I was not allowed to stay there since XX/XX/XXXX so all reservations for this property should be refunded. 

A credit was received and force debited from my account on " XX/XX/XXXX Credit for XXXX Deposited into Safe-to-Spend {$200.00} '' " XX/XX/XXXX Force Debit Spent from XXXX {$200.00} Unknown '' you can refer to the Support messages telling me that this was a system error and no credit was due. 

Times I called to inquire about the status of my dispute. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XX/XX/XXXX, XXXX XXXX 41 Min 53 Sec. 
XX/XX/XXXX XXXX XXXX 39 Min 23 Sec. 
XX/XX/XXXX XXXX XXXX 18 Min 43 Sec. 
XX/XX/XXXX XXXX XXXX 19 Min 39 Sec. 
XX/XX/XXXX XXXX XXXX 14 Min 0 Sec. 
XX/XX/XXXX XXXX XXXX 36 Min 36 Sec. 

-- -- -- -- -- -- -- T -- -R -- -- A -- -N -- -S -- -A -- -- C -- -T -- -- I -- -- O -- -N -- -S -- -- -- -D -- -I -- -S -- -P -- -U -- T -- -E -- -D -- XXXX XXXX XXXX near XXXX refused my reservation. I did not cancel or change these reservations willingly. I was told I was on the " DO NOT RENT LIST '' and I could not be checked-in. 

XXXX Spent from XXXX  {$72.00} Hotels XX/XX/XXXX XXXX Spent from XXXX {$150.00} Hotels XX/XX/XXXX XXXX Spent from XXXX {$87.00} Hotels XXXX Spent from XXXX {$68.00} Hotels XX/XX/XXXX XXXX Spent from XXXX {$200.00} Hotels
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax carelessly handled my data, which was part of the recent hack. I 'm disgusted that such for-profit companies are allowed access to some of my most vital data, and that to be a functioning adult in society I have no choice but to yield my data to them. Shame on them for not taking better measures to protect consumers. Shame on our legislative bodies for not divising a modern system to replace the antiquated social security number. I urge you to hold this company accountable for their actions. The harm they 've done is immeasurable. Those in charge need to be in jail for a long time.
Product: Mortgage

I have been harassed for over 5 years and it will not stop by the Mortgage Co. ( Ocwen ) with phone calls from people in another country when my loan is not late and has not been late in over 5 years. I have submitted several letters telling them to stop and advised over the phone to stop calling me. I got sick and had XXXX in XXXX XXXX and several months prior I had I applied for a loan medication thru another Company ( XXXX XXXX ), Ocwen refused to modify my loan and started calling me and sending me mail to send the same information over and over again. When the information was sent they would call me at home and request the same info again and would not stop. I would give the information the XXXX and they would forward it to Ocwen and they would continue to call me. I had advised them to stop calling me and to contact the Company I applied for the modification with. I showed proof of my Social Security statement and was told they wanted proof when my check was cashed or deposited because people lie and have saving account. I had XXXX and they started calling me right after I got out of the hospital for the same information all over again, I told the caller ( someone from another country ) do not call my house and I could not talk and to contact the Company I applied for the modification with and do not contact me again. They would not stop until I faxed a letter to them to stop. I have several copies of letters asking them to stop calling me from another country, I can not understand them. My Mortgage is not late and I just received a letter from Ocwen advising me my mortgage payment will be increased effective XXXX XXXX, XXXX. I refused all contact with them after I has XXXX and faxed the letter in XXXX XXXX to advise them it does not take a year to modify a loan and I plan to file a Law Suite against them. I received a letter on XXXX XXXX, XXXX to increase the mortgage payment with the same interest rate as before. I have not talked to or contacted anyone at Ocwen or the XXXX XXXX XXXX since I faxed the letter.
Product: Debt collection

In XXXX my identity was stolen and apart of many data breaches. I made a police report online as I didnt know who stole my identity. XXXX XXXX stole my identity and I put out a police report in XXXX with XXXX. I live 85 % of the time in my home country of XXXX and sent all info to MAS financial services. I asked them to verify me in the account. They sent BLACK AND WHITE PHOTO OF someone that was not me. That is NOT my signature and the reported balance is {$9900.00} These are fraudulent statements and as per the fair credit reporting act, it is my right to request an investigation into any items on my consumer credit file that I feel are inaccurate. It is my understanding that you will investigate these items for accuracy within 30 business days and send me the results. Please send COLOR PHOTO IDENTIFICATION OF ME. And I have rent receipts and tax returns stating I live in XXXX 85 % of the time. To which I was NOT in America and NOT served for court.
Product: Student loan

I graduated from XXXX XXXX university in 2016XX/XX/XXXXwith a XXXX XXXX XXXX where I specialized in XXXX. I work for a XXXX XXXX XXXX and am currently in XXXX school funded by my employer because I was not able to find a higher paying job with my degree. Sallie Mae calls my co-signer and I several times a day from XXXX XXXX XXXX XXXX XXXX to collect payments. I have a small child and cant afford to pay the amount they are requesting, they do not offer consolidation services, income based repayment, or any other payment plans without accruing interest and raising the total amount on your loan. Because of this my credit is very low and Im unable to qualify for refinance through another company to consolidate. Im currently seeing a XXXX to manage the XXXX  Im experiencing trying to manage this situation while balancing my personal responsibilities. I have asked about my options and have not been able to get a reasonable solution to help me pay off XXXX of debt for a 4 year degree.