23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent credit card was opened in my name in XXXX of XXXX with XXXX XXXX  account number : XXXX. I had no choice than to settle this account with XXXX XXXX  XXXX XXXX XXXX XXXX in XX/XX/XXXX because I was applying for a mortgage and this fraudulent account was affecting me from getting a mortgage. I never opened any account nor received any service from XXXX XXXX. My identity was stolen to open this account. I filed a police report along with an identity theft report. Submitted both reports to the credit reporting agencies and they failed to remove this fraudulent charge-off account from my credit report. I also sent a certified letter to XXXX XXXX  requesting a debt validation and still havent received a response. Attached is proof that Ive made several attempts to get this fraudulent charge-off account removed from my credit report. I never authorized this account, please remove from my credit report immediately.
Product: Debt collection

I included my full name, social security, date of birth, address, my drivers license and my bank statements but no help whatsoever. i want it off asap.
Product: Checking or savings account

XX/XX/XXXX- Our company was notified of two different account closings as of XX/XX/XXXX and XX/XX/XXXX ( Debits to account amounted to {$14000.00} and {$16000.00} ) when our employee went into the branch to cash check. He was informed the bank had closed the accounts upon learning of account activity, and we would need to call the XXXX XXXX XXXX at XXXX to inquire. 

Our corporate office called the above number ( a bank call center ) 6 times in a 2-week span to inquire as to the location of funds and was told each time that they could not give us any additional information regarding the missing funds and that, in fact, there is no XXXX XXXX XXXX. We were then instructed to send a letter to the Customer Service location at XXXX XXXX XXXX XXXX XXXX XXXX, TX, which we have now done twice, on XX/XX/XXXX and again on XX/XX/XXXX 
As of XX/XX/XXXX, have not received these funds, or received any additional information from the bank regarding the status and location of our money.
Product: Credit card or prepaid card

First, I should not be charged the late fee, as I didnt know what I had to pay, since I had filed previous complaints with the CFPB and was waiting for them to be resolved.Please refund late fee and interest charged.

On the the interest, I logged on recently and noticed my rate is now 29 % ( apr I believe ). I think if anything, and according to the Obama Credit Card reform act, my rate, after paying more than the first six months off on time ( Im almost positive if not more than six ) should have gone down. I havent kept track so much but I doubt I had started with 29 % rate. So to sum up, please lower the rate based on the law I mention, and refund the interest and late fees. For XX/XX/XXXX for example, I was given a refund of both but never had a chance or knew what I should pay before Capital One considered it late.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX  account # XXXX has violated my rights. 
15 usc 1681 section 602 states I have the rights to privacy.

15 usc 1681 section 604 a section 2 It Also states a consumer reporting agency can not furnish a account without written instructions. 

15 usc 1666B a creditor may not treat payment on a credit card account under and open end consumer credit plan as A late purpose.
Product: Credit reporting or other personal consumer reports

This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer. You are also violating my rights under 73 P.S. 201-1 et seq. ( XXXX  Unfair Trade Practices and Consumer Protection Law ) by failing to provide transparency and accountability in your collection practices. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX now your system did not want to accept my address its wrong becuase I have a utility bill and proof in XXXX thatr my address is correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so I i used the XXXX XXXX in XXXX to register please fix your glitch as well
Product: Student loan

I decided to find a loan forgiveness program to start paying off my student loan and so it would not go against my credit score. I received a letter in the mail that said i I maybe eligible for services. I called the number and talked with a representative from Ameritech Financial. Her name was XXXX XXXX. She told me that i would pay {$170.00} for 13 mos then the payment would decrease to {$99.00} the 14th mos and going forward. She then transferred me to another agent who said that i would have to give my bank info because the payments had to be direct deposit so i did. Every month, they have been taking out {$170.00} and now {$99.00} as they promised. I have received a letter in the mail from federal trade commission that they are sueing Ameritech Financial for deceptive practices and the court has not ruled yet and that the money I've been sending them is not going towards my student loan. It also said for me to file a report and call them directly to cancel my membership which I will do after filing this complaint. I can send more documentation showing payments and the contract I've made with them if needed.
Product: Mortgage

My home is financed with PHH Mortgage. In XXXX, I inquired about having the PMI removed. The current financed amount on the home is $ XXXX. The house if conservatively valued at $ XXXX, well over the 80 % threshold. In response to my inquiry, PHH instructed me to fill out a form along with a check for {$100.00}. I responded shortly afterwards with both by mail. 

After 6 weeks or so, I called PHH to get an update on the process. I was then told that the fee had changed from {$100.00} to {$150.00}, and I needed to send an additional {$45.00} to get the appraisal. 

My specific complaint is that when a bank discloses a fee, they can not change their mind midway though the process. This feels like a predatory lending practice, or possible a TILA or UDAAP violation. Please review my complaint and contact me with any questions or comments. 

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

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30,60, or 90 days late in the month of XX/XX/2017. I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.
Product: Checking or savings account

I started receiving emails from Wells Fargo on XX/XX/XXXX about my contact information was changed and my checks are the way in mail. I do not have a checking account or savings account with this company ( Only a credit card ) ; therefore I called this company as I suspected fraud. After 1hr on the phone all that was accomplished is they said there may have been an error and they would take the email off that account. I then received another email to a different email I own saying my information was updated. I also received an email thanking me for visiting a branch in South Carolina when I live in Florida.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of inquiries that are reporting derogatory on all XXXX credit reporting agencies. 

1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft FACTUAL DATA Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

7. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

8. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

9. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

10. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

11. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> ( Friday night ) I apply for a loan from the web called Upstart. I was approved for {$6000.00}. After reading the terms and conditions over the weekend, I decided I didn't need the money. The loan interest rate was too high {$5200.00} was deposited and If I do the 5 year plan. I would have paid back over {$11000.00}. Almost dollar for dollar. 
I called the company XX/XX/year> to cancel the loan and was told I couldn't because I had already signed the promissory note. After about XXXX weeks of going back and forth in emails and waiting for the portal to open where I can make the payment. I decided to return the funds that was deposited in my account along with some interests. I was given {$5200.00} and I returned {$5300.00}. They still wanted me to pay the originator fee that was deducted from the {$6000.00}. I owe them {$780.00}. I don't agree to this So, I contacted the BBB to help with this issue. After several exchange of emails nothing was resolved. The BBB gave me the numbers to the FTC and CFPB for further assistance. So here we are.
Product: Debt collection

They are calling my number several times per day. asking for personal, private identifying information, wont tell me what the debt supposedly is or the amount. Ask them to stop calling my phone and send any correspondence via certified mail. just asked them once again to stop calling on XXXX2018 XXXX XXXX eastern time. this is the 3rd time ive asked them with no compliance on their part. Ive received nothing in the mail from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error. 
DPT EDXXXX XXXX Balance Owed : {$68000.00} XXXX XXXX XXXX Balance Owed : {$690.00}
Product: Vehicle loan or lease

I brought a XXXX car in XX/XX/2019 in Maryland for XXXX and the interest rate from Ally Auto Finance was 12.99 % for 84 Months. I have paid so far 16 payments for total of {$9700.00}. I paid {$6900.00} in interest. I still owe {$30000.00} and I will end up paying over {$51000.00} for a car that today is only worth {$18000.00} according to XXXX XXXX XXXX. I want to know if $ 12.59 % interest on {$33000.00} should equal {$17000.00} over 84 months of payment. how are they calculating it and is it legal to do it the way they are calculating it Call them a number of time and could not get a good explanation.
Product: Money transfer, virtual currency, or money service

I tried to use my XXXX  device to login to my cash app and I verified with SMS and Email upon login. Even though I did that I still could not make purchases or send ANY money from my new device although I was on my home network and I didn't purchase anything extremely out of the ordinary. So I try to send a friend XXXX $ and Cashapp ( Square Inc. ) asks that I send from my mobile device ( which I could not do which is why I was on my XXXX in the first place ). After this I was given no opportunity to verify myself further. I attempted to use  my card for a XXXX $ and XXXX $ dollar purchase at a local cookies store and they blocked this payment too even though I eat there regularly. Shortly after my purchase declined ( even though my balance was XXXX $ ). Then I receive an email telling me my account has been locked for my protection. This is not fair as I now can not spend my own money because Cashapp ( Square Inc. ) uses a bot to detect fraud not manual review. I have also searched for solutions from people who have experienced similar troubles with Cashapp and they all have said Cashapp has not helped them with the problem after MONTHS. I am not in a financial position to go back and forth with Cashapp 's bot support system for let alone one day.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent Equifax a fax with an FTC report and copies of my driver 's license and my social for fraudulent inquiries that I did not make. I called them XXXX week later and they told me the FTC report must say Identity Theft Report. I sent a new FTC report again on XX/XX/XXXX and today XX/XX/XXXX I'm calling and they still don't want to do their jobs. I'm including the letters that I send them in the attachment documents.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I mailed a dispute to clarity credit services. I then called on or about XX/XX/XXXX and they told me they were still working on it. I have yet to get any confirmation that anything was done or worked on. Im getting a little frustrated because I cant get a response.
Product: Debt collection

Rash Curtis is harassing me everyday with calls from several different phone numbers ( XXXX ). I filed for bankruptcy and had a hearing to discharge my debts -- medical bills and credit cards -- on XXXX XXXX and my lawyer said I should expect to get my discharge by XXXX 2016. 

All of my creditors should know by now that I filed for bankruptcy but Rash Curtis is continuing to harass me.
Product: Payday loan

I had a Cash Call/XXXX payday loan. I went to make my payment and the account is gone and was told by the lender the account was paid in full. They said they could n't discuss the account with me. Why and who paid the account? I saw where Cash Call/XXXX was sued, who sued them and what happens to all the money I paid in?
Product: Mortgage

I was denied a mortgage modification by Wells Fargo Bank 7 times. I was told initially to make 12 monthly payments on time. I would automatically would be given a loan modification ... After the 12 payments I was not given a modification. Then I was told I needed to miss payments. Then I could apply for a loan modification... I then reapplied for a loan modification and was denied a total of at least 7 times. My home was put up for foreclosure several times. I incurred additional late fees and attorney fees credit ruin, also had to file for Bankruptcy. This experience has been a very traumatic experience. I recently contacted Wells Fargo Bank XXXX XXXX and provided them information to review. Wells Fargo Bank initially informed me that they would have a decision by XX/XX/2023. The Wells Fargo Rep name is XXXX XXXX. Wells Fargo notified me on about XX/XX/XXXX by letter that I would know something by XXXX XXXX. XXXX XXXX called me XXXX XXXX and told me that Wells Fargo would not be able to offer me any relief ... XXXX XXXX also informed me I was denied 7 times. I asked to a speak to a Supervisor and he told me there was no one I could speak too. Even though in prior communication he told me he was working with his Supervisor and another department ... XXXX XXXX also informed me that he would be sending me documentation ... .The enforcement action that XXXX has issued against Wells Fargo is being violated in relation to my loan modification ... My number is XXXX. XXXX XXXX email is XXXX. Please someone contact me asap in desperate need for assistance.
Product: Debt collection

Violation 607.Compliance procedures [ 15 U.S.C. 1681el ] B ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This debt is not present on XXXX or XXXX. This debt was already removed from both reporting agencies due to the debt not belonging to me. You have continued to illegally report a false debt and have refused to resolve the issue after 15 disputes. This debt has no proof of signature, no identification that relates to my current information. You have refused to run a FCFA dispute and have refused to resolve the issue after multiple calls and letters. THIS DEBT IS NOT MINE AND SHOULD OF BEEN REMOVED FROM XXXX XXXX JUST LIKE THE OTHER REPORTING AGENCIES
Product: Credit reporting or other personal consumer reports

XXXX XXXX for New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Co ( Case No. XXXX ) District Court for XXXX  XXXX XXXX Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Case XXXX I am filing CFPB complaint against Experian for fraudulent  XXXX that have appeared on my credit report, and I have been stressing to Experian that these XXXX are a result of Identity Theft stemming from Experian and XXXX XXXX XXXX XXXX XXXX XXXX The erroneous, fraudulent accounts consist of an alleged auto loan XXXX XXXX XXXX and credit cards with XXXX XXXX. These accounts are not mine and I demand the fraudulent items listed to be removed, or I will hire an attorney and XXXX EXPERIAN. Despite this, Experian continues to badger, bully, and psychologically harass me. I need verifiable proof of these credit transactions were not initiated by me, as well as proof of identity to confirm who applied for these frivolous debts. I know my consumer rights under Federal laws. I have attached a copy of proof from FTC Identity Theft Complaint. Again, I request, pursuant to FCRA 605B ( 15 USC 1681c-2 ) that Experian XXXX and remove within 4 days per statutes and request that all written confirmation relating to this CFPB matter be sent to me via email.
Product: Mortgage

When checking the alternatives for refinancing my home loan with Citimortgage, I discussed various loan options and was offered a XXXX at 2.875 % and a XXXX interest only loan option at 3.50 %. As I wanted to live a long time in the home, I chose the XXXX option at 3.5 % and was given no guidance or advice in the process. Only several years later did I discover the loan will revert to a 20 year amortization period, with much higher loan payments which I will not be able to afford. Had I realized this fact, I would have chosen the XXXX loan with lower payments after 5 years so I could afford to live in the home. I have asked Citimortgage to consider the facts and provide an alternative but they have refused to help.
Product: Student loan

I have received, without explanation that a % penalty has been applied against me for failing to maintain a good account status. However, Ive always been in good account standing with all my banks through their available methods ( deference the, forbearance, or IBR ). I can not find, not have I received any information supporting that penalty. The amounts have been recalculated and added to my loan principle.
Product: Credit card or prepaid card

I was mailed a card I did not apy for the card came in my name asking for my social name phone and address when my husband received one too and did not apply he called Citi bank and they said we needed to report a fraud claim
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXXXXXX XXXX XXXX XXXX  XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$890.00} ; XXXX XXXX XXXX Balance : ; XXXX Balance : {$310.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reduced my debt to ratio by 95 %, paid off student loans, paid off my vehicle and my credit score is poor XXXX? Paying down XXXX car loan and over XXXX in student loans is XXXX! My XXXX XXXX should reflect it!
Product: Money transfer, virtual currency, or money service

XXXX Attempted to move {$250.00} from my Earnings tip Jar to my XXXX  XXXX account XXXX  XXXX was unable to be connected to the Earnings app, error stating no checking account associated with the account. My checking account is still active, and only the earnings app is the only app having issues with connecting to my bank Contacted Earnings and they suggested I open a new bank account to access my money. 

Earnings is holding onto my money and not letting me access it. Claims zero work arounds as it's my banks fault, however, only earnings is having an issue to access my XXXX  XXXX account.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to XXXX party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute the information on my credit report as provided under 15 U.S. Code 1681e. I never gave written consent for XXXX XXXX XXXX to furnish my information or authorize the disclosure of my information. 

I kindly request that you investigate this matter and provide me with a detailed statement of how this information was obtained without my consent. If proof can't be provided I demand this account be REMOVED/ DELETED from my credit profile. I expect a response and resolution to this issue. Thank you! I have included a screenshot inside this complaint on XXXX XXXX XXXX XXXX XXXX. Please see screenshot attached : Sincerely, XXXX XXXX