23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I got a mortgage on a manufactured home on XX/XX/XXXX. Everything was fine. The bank signed a letter from my insurance company stating that they acknowledged that I did not have wind insurance. Fast forward to XXXX. The bank forcibly put wind insurance on the home ( they took the $ out of the escrow account ). I complained and it was refunded. They have now taken {$2300.00} in XXXX for wind. They also are stating this policy started in XXXX ( not possible - the other policy was supposedly in effect then ). I do not want this wind policy and should not be forced to get it since they signed off in the beginning. We were hit by XXXX and had over {$100000.00} of damage which we paid out in cash to fix. I do not want this insurance and how can they say it started in XXXX ( the previous policy was only {$640.00} and supposedly started in XXXX ). This is a total scam. I am way ahead in payments and do not want this taken from my account
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

Im having a issue with my TD Bank business account, the ban are now put a alart or hold on the account so that im unable to do any withdrawals or make any kinds of transactions or payment, please remove the alart or any hold immediately, and please contact me at XXXX or XXXX if you have any questions or email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I took out a car loan with XXXX XXXX XXXX a few years back and got an XXXX XXXX was my dream car that I saved up for and put a down payment on it. I was told that the XXXX was a great car with no problems.i test drove and it was pretty much ok then problems start to occur with car..I took back to dealer within the first 2 weeks and complained the car was not up to par as dealer promised me..he then told me to pay for a warranty with I was under warranty because I didnt have car for 30 days..I paid for warranty as instructed al to come across more problems with car. I told dealer that the car wasnt what he explained it to be the car was a problematic car and a big hassle.so I asked can I turn car in for another car..the dealer said yes and I got a XXXX  from him witch I paid another down payment on and I later find out the dealer did not leave me in good standings on my account witch I was not at fault..Im a good customer that came to buy goods that wasnt good..whatever he did is affecting my Credit tremendously in a negative way..I disputed with credit company and I also disputed it with XXXX XXXX XXXX and nothing has happened so far..I was taken advantage of and sold a lemon and miked out of XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, XXXX XXXX ( XXXX ) contacted XXXX XXXX to purchase XXXX commercial racks to be shipped to XXXX Constructors in Hawaii. XXXX also instructed XXXX XXXX to contact XXXX to arrange the shipment. 

XXXX XXXX requested XXXX to prepay for the order, including the freight- which he paid via Credit Card. The XXXX  sent us an invoice for the requested freight and asked to be paid via XXXX. XXXX XXXX paid the XXXX invoice and later realized this company was fraudulent. 

XXXX XXXX also contacted XXXX XXXX in Hawaii to confirm the order, who indicated they had not placed the order and that XXXX XXXX was not associated with them. 

Inflight FItness has contacted its bank for a reversal of the XXXX payment, and is expected a chargeback from XXXX for the XXXX payment he made.
Product: Mortgage

I lived in my home for 16 years. I got a divorce and the court ordered the home to be sold and the equity to be split. We had about 300K in equity we only owed XXXX on the home. My ex wife camped out in the house ( I was living in my car waiting for her to sell the house because she got a restraining order against me ) She stayed in the house for over a year and never made a single payment on the house. The bank finally foreclosed on the house. I was in constant contact with the bank and even offered to pay the balance off as soon as they can get her out. Well that ruined my credit like she wanted. I have always prided myself on my good credit and have taught my children the importance of good credit. Now that I have somewhat fixed my credit the derogatory from the bank is keeping me from moving on and getting a new home. I would ask the bank to please look back at all the notes to see that this was not my fault and please show some compassion and remove it from my credit so I can move on. It is scheduled to stay on my report till XX/XX/2022.
Product: Mortgage

I previously filed a complaint ( XX/XX/2021 ) about Wells Fargo refusing to allow me to come out of forbearance and the company has done nothing but stall since then. I've received almost no help and today ( XX/XX/2021 ) I received a letter from Wells Fargo ( see attached ) dated XX/XX/2021 explaining that my account is on hold for review for Federal Housing Administration ( FHA ) Assistance and that Wells Fargo will provide updates via phone going forward. I've asked repeatedly to come out of forbearance and resume payments, but Wells Fargo will not let me ( I feel like I am being held hostage ). Furthermore, now Wells Fargo is asking me to complete a full application with complete income and debt information as well as asking for specifics regarding my hardship for entering into forbearance ( I want out of forbearance ). According to the FHA, all I have to do is let them know that I am ready to resume payment and Wells Fargo is supposed to allow me to do so. Additionally, the FHA says they are not supposed to ask me to fill out a complete loan application in order to deal with amount that is unpaid due to the forbearance. I was current on payments when I went into forbearance and now it seems I can't get out of forbearance without jumping through through all kinds of hoops with Wells Fargo including a complete disclosure of my finances, which I thought they were not permitted to do. Furthermore, Wells Fargo told me that they will decide what program I fit into to deal with the unpaid funds due to forbearance and that I do not have a choice in the matter. This is not what I read in the FHA facts. Wells Fargo will not allow me to change loan preservation specialists. I have complained that the current specialist is no help and they refuse to assign a different loan preservation specialist. Additionally, Wells Fargo Administrative Office told my wife that we can complain all we want and the complaints will just get sent back to the Administrative Offices. So my take on that statement is that it will do no good to keep complaining. Finally, Wells Fargo states they will provide updates via phone rather than in writing which I have asked for.
Product: Credit reporting or other personal consumer reports

Multiple addresses are showing on my credit report that does not belong to me and I'm afraid that my personal information is going to somebody that should not have access to it. I had requested Experian many times to remove the incorrect addresses and update my report with the correct one but they never responded with a solution. This is violating my right to a correct credit report.
Product: Student loan

I was attempting to resolve the issue with my student loans because of this school closure try to come find out it was a scam
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed pursuant to FC Subsection 605b ( 15 USC 1681c-2 ), that XXXX, XXXX, and/or TransUnion block the information appearing on my consumer credit report that is the result of identity theft and fraud within four business days. The fraudulent accounts in the FTC report ( XXXX ) consist of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The FTC Report number is XXXX. Accounts are listed directly from report stemming from investigations beginning in XX/XX/year>. Please update immediately and in accordance with the aforementioned statutorily mandated 4 day period. Additional accounts and related inquiries that not be present in the report, but not limited to, are : XXXX  - XXXX
Product: Student loan

I made what was going to be the final payment toward my student loan. The amount was XXXX and it was made on Discover 's student loan website on XX/XX/XXXX/2019. This payment was supposed to be split into {$80.00} toward my monthly payment with the rest going toward paying down my principal balance. 

Discover applied the {$80.00} payment promptly while failing to apply the the payment toward my principal balance. The entire sum of {$3300.00} has been deducted from my bank account and Discover refuses to bring down my principal amount. Due to this, I am being charged 10 % interest per annum daily on my balance. 

As I write this to you on Friday, XX/XX/XXXX, it has been 5 business days without Discover finding a resolution to this problem. I have made 2 calls and written several emails. During all of this time, I am being charged interest unfairly.

I am attaching Discover 's acknowledgement of the one-time payment I made. Their call center refuses to acknowledge this proof and wants to inconvenience me by making me go to my bank and get a statement and send it to them as proof of payment. I don't understand why they can't treat their own letter ( which they sent to me ) as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was exposed in a data breach with XXXX there are accounts and inquiries showing up on my credit bureaus I want removed from my credit reports, this is fraud, i have filed a ftc identity theft report with the ftc, my information has been used illegally and Im tired of it, please remove all accounts that Im going go list on this complaint XX/XX/XXXX These are actual accounts not inquiries Please remove from my credit reports and do not put a fraud alert on my credit reports Im reporting the situation to XXXX as Im filing this complaint to consumer financial protection bureau to help with this situation please remove all,
Product: Debt or credit management

I was signed up to a membership and charged by another company under there account a fee of XXXX Had to figure out what company this fee was attached to. 16 pages to find out how to cancel membership.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I have incurred. Despite having sufficient funds when transaction was authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices where transactions settled with insufficient balance despite initially available funds. I believe this practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

XXXX Experian and XXXX are providing information and have stolen my identity. I have asked them to stop reporting the Social Security Number as it is stated that if you are not a federal employee the social should not be provided and companies are providing the social and reporting inaccurate information as previously started my identity has been stolen and being used without my consent. The information on the report that they are saying is mines is inaccurate and if it is mines as they say it is I have the right to say what is there and not there. I have requested the attached information be removed and all HARD AND SOFT inquires be deleted and blocked and no inquiry should no longer be placed on the report. I am opting out of any further reporting unless I put it in writing that I want it to be placed in the public and or the private. I have full faith in credit and am not being afforded this due to my identity being misused. I am XXXX XXXX XXXX and I want all late payments - cars - Collections and all derogatory information removed and blocked within 3 days and I have sent this information 3 times and you still have it listed with all XXXX companies who are misrepresenting themselves as Federal Government requesting the Social also they are all not giving full disclosure letting me know I can opt out- THEY ALSO HAVE A SECURITY FREEZE AND BLOCK ON THE ACCOUNT SO WHWN I CALL IN OR HO ONLINE I CANT GET ANY INFORMATION I WOULD LIKE THIS TAKEN OFF IMMEDIATELY They are using the report and my likeness for monetary gain then asking me to pay a monthly fee for them to monitor it when I never gave them authorization to do any of this and or collect information and or furnish data related to me. The FTC REPORT is once again attached and I have fully explained and let the SEC- FTC and CFPB IRS know that these 3 credit reporting agencies are gaining financially off of my Full faith in credit by stealing my identity and reporting inaccurate information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Opened XXXX, 2023 in the amount of XXXX dollars. 
XXXX XXXX XXXX Opened XXXX XXXX I dont own these companies any money I never sign any contract with these companies so therefore I would like these charges be taken off my credit report.
Product: Vehicle loan or lease

Over the past few months GM Financial has not been applying payments made from my financial institution to my account and ultimately have reported inaccurate information on my credit report showing late payment history. I have never been late and it is an internal problem with their company. I have attempted to rectify this on multiple occasions with multiple people at GM Financial and they are unwilling to return phone calls to me when requesting to speak with a supervisor. I have documentation of payment history attached to this complaint. This has negatively impacted my ability to pursue a refinance on my home due to their internal error and negative reporting of payment history on my credit report. What could be so hard about looking up the last name on my check to accurately report my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing for MONTHS! and demonstrating proof of inaccurate reporting. I have sent in copies of my credit monitoring and showing them that every bureau is reporting things differently. I have been told to reach out to the creditors to get validation, however that has never been proven. I keep getting ignored even when I submit PROOF that they are violating my rights as they are reporing. I am so confused how this can keep happening. I prove to them that it cant be accurate when each of the big XXXX bureaus are reporting it differently. I have been told many times and my research confirmed this, they are REQUIRED to do a full investigation on my complaint and provide evidence they did that. I have gotten no proof that they did anything. I have friends who also have disputed the errors and they even received proof that the bureaus did something as the creditor sent the friend a request for more information on the dispute because the bureaus did something. I have gotten XXXX responses from the listed creditors. I think the bureau has violated my rights by not taking proper care of my disputes and filed the appropriate reactions to protect my reputation. I have also seen that when they refuse to do this, I am entitlled to a {$1000.00} fine. I have even requested that and they have yet to respond. I have recently moved and provided that current address to the bureaus. There should be NO reason why they continue to not take correct actions on my reports. Aren't they legally obligated to investigate my reports? I have so many letters that have been sent in. I have also included proof from my credit monitoring service that they are inaccurate in what they are reporting. I just cant believe this is happening to me. I am newly married and we are trying to buy a home and the bureaus are not following the law. I am beside myself with worry since I have done everything I needed to, as per my research, to preserve my credit reputation and they are failing me. How can this happen? I need intervention.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received emails from paypal alerting me of two transactions ( {$140.00} USD each ), I made no such transactions. Knowing that my paypal account is compromised, I called paypal customer service right away and submitted my appeal for these two fraud transactions. 
On XX/XX/XXXX, I also notice that the hacker has changed my primary payment method to be my checking accout, and I got a large number of random emails, which I guess now that it's from the hacker trying to flood my email inbox. 
On XX/XX/XXXX, paypal sent me back an email claiming that without enough evidence. they deemed these two transactions are valid, and let the payment go thru successfully. 
On XX/XX/XXXX, I called customer service again ( since I couldn't get to an agent the day before ) and appealed one more time that these two transactions are fraudulent and not by me. I also mentioned to them I think this appeal process is not reasonable. If paypal doesn't have evidence, and the account owner submitted a dispute, shouldn't the action be to cancel the transactions, at least have them pending. 
On XX/XX/XXXX, I also called XXXX XXXX, which is what the transaction is made to. Apparently, the thief/hacker bought two pairs of shoes from XXXX XXXX, and sent it to my old address from 2 years ago ( I haven't lived there for 2 years, it's in a different state half way across the US. ). I asked XXXX representative to find these two transactions and maybe cancel them from his side. But he couldn't look the orders up with my email or phone number ( which are the only two ways for XXXX to track their orders ). Maybe it's some hacking that made it seem like the money went to XXXX and in reality the money went to the hacker somehow. 
on XX/XX/XXXX, I get a notification from paypal that they have deemed my transactions to be unauthorized transactions.thinking that they have resolved the issue, I wait till the money get refunded to my bank account. 
On XX/XX/XXXX, I checked my bank account and no refund still. So I went to check paypal 's resolution center and see that actually they deemed these two transactions as valid transactions, and deemed my appeal to be an invalid one.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXXXX/XX/year> Late Payment XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Personal Information XXXX : XXXX XXXX XXXX ALSO KNOWN AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I have been trying to pay off a closed card through Citi Cards. During the Covid-19 this has been especially difficult, for a variety of reasons - not the least, the behavior of Citi. Very often, their website is down. They do not process scheduled payments on time, resulting in late fees. They do NOT respond to written requests to address these issues. I have written - via their secure message system on their website - repeatedly, trying to address these issues. But they take weeks to respond, resulting in more late fees, which frankly feels like the plan all along. 

They are unreachable on the phone. I will NOT continue to pursue them to resolve this. It is impossible. And if they wish to contact me, it needs to be in writing, either to my mailing address or via their own secure message system. 

But their conduct has been awful, especially during a time of great stress on working people everywhere. To take advantage of consumers at this difficult time, to pile on late fees and issue threats, is unconscionable.
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries. I lack any information about them, and the
Product: Checking or savings account

FILED FRAUD DISPUTE WITH BANK OF AMERICA FOR A TOTAL CLAIMS OF {$66000.00} AND ALL CLAIMS WERE DENIED EVEN THOUGH IT REFLECTING IN MY ACCOUNT. 

CALIM ID XXXX XXXX XXXX CALIM ID XXXX : XXXX CALIM ID XXXX : XXXX BANK OF AMERICA HAS REFUSED TO PAY BACK MY MONEY. I'VE CALLED MULTIPLE TIMES. THEY WERE ABLE REFUND ONLY {$2900.00} ON XX/XX/year>.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute Regarding Late Payment under the CARES Act Dear Sir or Madam, I am writing to file a formal complaint regarding a late payment on my account with XXXX XXXX XXXX. I believe this charge is incorrect and should be removed under the CARES Act.

Description of the Situation : Account Details : Lender Name : XXXX XXXX Account Number : XXXX Late Payment : XX/XX/XXXX Date of Late Charge : XX/XX/XXXX Amount of Charge : {$80.00} Reasons for the Dispute : Under the CARES Act, consumers are entitled to certain protections related to payments during the COVID-19 pandemic.I spent several months without working due to the pandemic and when I started working I decided to pay my debts and fulfill my obligations. 


I request that this situation be reviewed and that the late payment charge be removed from my account. Thank you for your attention to this matter, and I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I apparently owe a debt company called debt recovery solutions. I called them 3 or 4 times between XXXX of XXXX. I asked them to give me any information on what my debt was from, since it just showed up on my credit report randomly on XX/XX/2023. First time I called I asked for any information on what my debt was from and the first thing they said was how would you like to pay. Second time I called, they told me they were going to email me the information and never did. Called them a third time and they told me they mailed it to me, but I dont recall getting a letter. I have also moved 4 times in the past XXXX years. TERRIBLE customer service, they are very pushyon the phone for payment. I wont pay until I know its a legitimate debt that I owe.