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

On XX/XX/year>, I noticed my bank account was charged 29 times for products/services I did not personally authorize. I do not know or understand how my debit card was physically accessed overseas ( I was charged international fees 29 times ) as I was working and living in Arizona the entire time. My debit card never left my possession and I did not authorize anyone with use of my debit card. There was an initial purchase of {$52.00} from this company before I was charged {$150.00} x 29. 

When I first filed the claim, I was given temporary return of the funds stolen. On XX/XX/year>, I noticed the bank retracted the funds without notifying me. I then filed a second claim requesting that they investigate this matter further. 

Today, XX/XX/year>, I received an email message from Wells Fargo stating they were not at fault, and I was responsible for the purchases made on XX/XX/year>. 

My bank, Wells Fargo, insists that the charges are not fraudulent and declined my two filed claims. I do not accept this result as I did not make those charges of {$4700.00} ( which includes the international fees ). My bank did not offer resources to resolve this matter. My bank also refuses to acknowledge that they failed to catch these abnormal charges on my account. In the past they have suspended my account on charges until I called and confirmed purchases with them, but those purchases were online and within the United States. 

My bank also failed to notify me of these unusual activities and did not contact me to confirm these outrageous charges, especially overseas. 

The third party that charged me fraudulently is in XXXX XXXX, XXXX XXXX XXXX in XXXX, XXXX, as listed on my statement. I have never visited or purchased anything with this company. 

I feel that Wells Fargo failed at protecting their customers and did not treat this matter fairly.
Product: Mortgage

I sent an Eform from Mortgage Company Tru Home Solutions website, Requesting Forbearance On my FHA Loan with Covid-19 Relief Laws in place on XX/XX/2021. 
Email returned from them states that our loan ( FHA ) Does not meet their Criteria. 
It's my understanding that you just need to be in Hardship and hold a Federal Backed loan!? 
We feel they are just throwing paperwork at us to waste time on run out the short time that we have ( XX/XX/2021 Deadline ), so they can deny and say oh you missed the deadline or any other reason in their favor. 
I also have some information about mortgage that I would like to attach in .jpeg format. 
Also sending over the email I got from them also.
Product: Mortgage

I refinanced my mortgage with XXXX XX/XX/XXXX for {$250000.00}, 30yr, 5.5 %. In XXXX after the nationwide financial crisis, I applied for a modification and was approved with lower monthly payments. After making the payments I was approved to make, in XXXX I got a foreclosure letter that I had to pay {$16000.00} to reinstate my mortgage. I took a 401K loan for {$16000.00} with interest to pay off the amount owed. In XXXX I was laid off and applied for a modification for the 2nd time. I was approved in XXXX, for 4 %, 40 years, my payment was not reduced and my principal went up to {$260.00}, XXXX. I am now beginning to realize that I was robbed by XXXX. I paid my mortgage from XXXX to XXXX and my principal was up {$7000.00} more than I started with. What happened to 9 years worth of payments. The last few years have been very difficult with my husbands XXXX diagnosis and treatment. Now were looking at our finances and after paying our mortgage for the last 16 years, our principal is only reduced by {$16000.00}. It just does not add up and I dont know where to start or where to get help. I just know Ive been robbed. Please help. I have all documents from XXXX that I can submit if needed.
Product: Checking or savings account

Usbank and XXXX refuse to do anything after someone scammed my account. I disputed the claim and they denied me, but sure as heck they charged XXXX overdraft fees in the same day. They refuse to do anything to help me and Ive never filed a dispute in my XXXX years of banking with XXXX BANK. Do not use this bank. They will charge you fees up the XXXX and then refuse to help their customers
Product: Credit reporting or other personal consumer reports

This is my 3rd attempt to remove inaccurate information from my report. I recently checked my report and noticed that there are inaccurate addresses, inquiries and a bankruptcy reporting without my permission. 

The inquiry is listed below : XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX has violated my rights. Account Number started in XXXX. 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. under 15 U.S.C 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Bank account or service

American express serve allowed an unauthorized charge on my account and refused to released the funds once merchant confirmed it was not them of XXXX XXXX force me agaisnt my will to sign a settlement agreement than allowed unauthorized charges pending on my account i extend to sue of this intentional tort and american express serve refusing to follow bank protrocal
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX verified that I applied for a credit card 12 years ago that was never issued to me. A review of my credit report shows that XXXX reported derogatory information on my credit report that does not belong to me, which is impacting my credit report and hindering me from obtaining employment. 

I spoke to several representatives that have confirmed no credit card was issue, but I am unable to get them to provide a written statement confirming that there was never issued to me and that it was fraud or an error by XXXX XXXX XXXX XXXX. 

I am requesting a written statement confirming that there was never a credit card issued to me and that it was fraud or an error by XXXX XXXX XXXX XXXX. 
I need this information immediately, for my background check to move forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

This account do not belong to me, its my son and its been on my credit for over seven years and I need it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Online Security Freeze with Experian - repeated efforts fail for myself, my husband and I even had my kids try. The only alternative is to mail then detailed financial information, drivers license copy etc. that I would NOT want to send via mail. I believe that they intentionally make it impossible to put a freeze on easily to circumvent the law and push folks to use the paid credit lock service. Please investigate and see if you can even put a freeze on an account and you will see what i mean.
Product: Bank account or service

We help our daughter and her family financially because she has a XXXX and her husband is unemployed. We live XXXX miles from her and we bank at XXXX different banks. For some time I had been getting cash from my bank and depositing into a local branch of her bank. In XXXX that came to an end when her bank told me that they could only accept {$500.00} cash. The rest would have to be in the form of a cashier 's check and it would be available in my daughter 's account after XXXX the day of deposit. This seemed to work. Then in XXXX unbeknownst to me and my daughter a deposited cashier 's check was held for several days resulting in her rent check bouncing and overdraft fees being instituted. I inquired at the local branch of her bank where the check was deposited. They had not put a hold on the funds. They said that her branch must have. They explained that individual branches can decide to put a hold. I was never told this before. They also said that any cashier 's check over {$5000.00} could be held. I had never been told this before. They said a branch can hold funds if the account has any history of overdrafts. This seems like a self-fulfilling prophecy. When XXXX families are doing everything they can to keep funds in our daughter 's account it seems like the bank is mugging us when they put a hold on funds in the form of a cashier 's check from a reputable bank. They are also capitalizing on this situation by assessing overdraft fees. This is completely unfair. It serves to further destroy morale of people who are already struggling to stay alive in this economy. Respectfully.
Product: Checking or savings account

On XX/XX/year>, at around XXXX XXXX XXXX, I received a call from someone claiming to be from Wells Fargo, stating they had detected fraudulent activity on my account. It is important to note that I had recently experienced legitimate fraud on my account, which required me to pause my cards and contact XXXX XXXX account takeover team. The caller provided details that aligned with the real fraudulent activity, making their claim seem credible and that I was actually speaking to someone with Wells Fargo. 

They instructed me to complete a verification process by sending money to a " private investigator '' via XXXX, assuring me that the funds would be returned instantly once the process was complete. They reassured me time and time again that this process necessary for the sake of the protection of my account. After sending {$1000.00}, I became suspicious and questioned the caller, asking for my money back. Following some back-and-forth, they abruptly hung up. 

I filed a dispute with Wells Fargo, but they repeatedly told me there was nothing they could do. XXXX was also unhelpful, as its transactions are instantaneous and require user authorization before processing. 

Although, I acknowledge that XXXX requires you to answer a prompt that verifies that you are sending the money to someone you know and trust, however, that still does not negate the fact that, at that time, I truly believed that I was speaking to someone from Wells Fargo because of the personal information that they provided at the beginning of the phone call. Answering this prompt, does not protect you from impostor calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of credit fraud where someone gains access to my credit information and open credit cards in my name, maxing them out and leaving those account to be in collections. I have reached out to the credit bureaus and tried on many occasions to have this issue disputed but they were no help. I even mail a letter of my complaint to each of the following bureaus XXXX, TransUnion, and XXXX  and I did not receive and follow up from any of them. I was recently contacted by a collection agency who arrested me into paying {$1400.00}, tell me that if I paid this amount they will forgive this debt and clear my credit account, but upon accessing my free credit annual credit report I realized this agency took my money under false pretense, with false assurance that all am seeing on my report will be taken care of and my credit file will now be protected.
Product: Debt collection

I have requested verification and validation of debt several times and this company refuses to provide any information to me. I am disputing this debt because its not mine. I also dont believe this company is bonded to collect in my state.
Product: Debt collection

To whom it may concern In XXXX i moved to XXXX from US.  Beetween XXXX I live in XXXX. I only came to US for vacation. And i didnt receive any document from collector or Court. Our bank account was frozen on XX/XX/XXXX. ( with my husband ) My husband called the Roch and Murtha company. The company emailed us a paper to release the account. And they never told us that we could defend ourselves. I signed the paper on the XXXX of the month and approved it from the notary. I sent the company by email. Our accounts were released at XX/XX/XXXX and {$6700.00} was withdrawn from my account for debt. On the XXXX of the XXXX, I received letters from the company and my bank separately. It is written in 2 separate letters that I can appeal. These letters were mailed to me on XX/XX/XXXX, when they guaranteed to get the money from me. 
The letters also say that if " my income is unemployment benefit '' they can not withdraw money. Even so, they withdrew the money. XX/XX/XXXX I went to the court concerned to vacated a judgment. XX/XX/XXXX was the result, Judge declined. Because my prove is to complicated. I will do clearly with my old passport. As a reason, I wrote that I was not in the US at the time, on the court date, and that my unemployment benefit was confiscated. Despite this, I was rejected. 
I complain about this company because they didn't tell me about my defense rights. What can I do legally, please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The letter below was mailed out to Experian on XX/XX/XXXX. They never mailed anything to me, however on their Experian website in their dispute center they entered information on XX/XX/XXXX stating the account in question has been verified. There is no way they did a proper investigation into this matter. 

Experian 's National Consumer Assistance XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Dear Experian Just to be clear, 15 days should be enough time for your company to send me the information that Im requesting regarding the last investigation you did on the following account listed below. 

XXXX XXXX : Account number : XXXX, What are your investigation procedures for this account? I need a full investigation done and a full report. 

You verified this account pretty fast. I have a simple request. What procedures does your company have in place to investigate accounts? Can you send me a copy of those procedures? Second, what data are you basing your verification off? Please send that to me also. I want to make sure you are following the law. 

15 Days should be enough. 

I am tracking all letters and waiting.
Product: Mortgage

On XX/XX/22, I received a letter from PNC Bank saying there is a 2 year seasoning period required to have PMI deleted. Currently, I have over 24 % equity ( 27 % as of today ) and the article I read says that after having 22 % equity there should be automatic PMI deletion. Is it valid for PNC Bank to have a minimum 2 year seasoning period? I followed their instructions to mail them a check for {$100.00} to have an updated appraisal of the condo, and they mailed the check back to me. They alerted me to the two year minimum, which is not a requirement as per the CFPB article about PMI deletion.
Product: Debt collection

Random charges that are XXXX or XXXX XXXX XXXX. It seems obvious to me it's a scam. I contacted my senators office and they are having me fill this out. 

It's a random charge I do not recognize and they refuse to show proof I owe. So a scam
Product: Debt collection

I have given multiple times to cure. I asked XXXX XXXX to send me the original wet signature contract between XXXX and XXXX XXXX stating I will pay the alleged debt. I have given equifax and XXXX XXXX  4 months to present said contract and all I've receive was that they need more time. I demand XXXX XXXX be deleted permanently. Equifax delete XXXX XXXX from my credit report and XXXX XXXX 10 mins later reinsert the negative item again. 
My right to privacy pursuant 15 USC 1681b 2 company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4. Also if a debt is written off, then that said debt is paid pursuant to 18 USC 8. I owe no debt. 

XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I paid my credit card account off with the First National Bank of Omaha on XX/XX/XXXX by paying online from my debit account the amount of {$26000.00}. I then made an additional payment of {$1200.00} on XX/XX/XXXX XXXX out my account. I paid the card off before the end of the month but was still charged interest for the purchases I made for the month of XX/XX/XXXX after my account had a XXXX  balance. I called the bank the day before I made my initial payment and was told that I could not receive a payoff amount because they didn't know what I'd purchased. After the additional interest charge of {$100.00}, I called the bank and asked to speak with a supervisor and was told that because I didn't ask for a payoff, I was billed the additional interest. I was eventually forced to pay the additional interest on XX/XX/XXXX for the full amount. I was not allowed a minimum payment. The bank mailed new credit cards to me and I sent them back with a note that I would not be using their credit cards. I had no intention of getting into this type of debt again and had decided to leave the account open, since I'd had this card since XX/XX/XXXX and had an excellent payment history, but not use it unless I had an emergency. I made absolutely no request to close my account nor did I sign the notation. As a card holder, I have every right to refuse additional cards. The bank, during a conversation that I have taped, said that I inferred that I wanted my account closed, closed the account, and refused to reopen it when I spoke with them. They acted in bad faith by refusing service to me for an account in excellent standing and closing my account without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I tried to obtain my annual free credit report from the Experian website. To get my report, I was forced to pay {$1.00} and enter my credit card number. Recently, while preparing for 2018 taxes, I noticed that my XXXX card was being charged {$21.00} for an Experian Credit Report each month since XXXX. I tried to call the Experian number listed on my statement and could not get thru to an agent to discuss this issue. I then contacted XXXX to dispute the charges. They contacted Experian who told XXXX that I was being charged because I had checked a box which initially charged {$1.00}, but then resulted in an ongoing monthly membership fee of {$21.00} if not cancelled in 30 days. This is a completely deceptive business practice. 
I tried calling four different Experian Customer Service numbers ( XXXX, XXXX, XXXX and XXXX ) but could not get thru to an agent or cancel the service with any of them this is also a very unethical practice. 
Finally I dialed a number and selected an option to report Minor Credit Reporting fraud, and got through to an agent ( XXXX from the XXXX XXXX ) who was ultimately able to cancel the monthly charge, but refused to refund the {$130.00} that I have spent on this SCAM.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Fraudulent Accounts on Credit Report Due to Identity Theft Dear Consumer Financial Protection Bureau XXXX XXXX am writing to file a formal complaint regarding fraudulent accounts that have appeared on my credit report due to identity theft. The following accounts, which do not belong to me and were opened without my knowledge or consent, have negatively impacted my credit report and financial standing : XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX became aware of these accounts after reviewing my credit report and immediately took steps to dispute them with the credit bureaus, but these disputes have not been resolved satisfactorily. I believe my personal information was used without my permission, and I request your assistance in ensuring that these accounts are removed from my credit file. 

I have also taken the following actions to mitigate the impact of this identity theft : Filed a police report regarding the identity theft. 

Submitted identity theft affidavits to the credit bureaus. 

Contacted the creditors directly to report the fraudulent activity. 


Despite these efforts, these accounts remain on my credit report, affecting my credit score and ability to obtain financial services. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to ensure that these accounts are removed from my credit report as soon as possible. Please let me know if any additional documentation or information is needed to support my claim. 

Thank you for your attention to this urgent matter. I look forward to your prompt resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting

There is a duplicate inquiry from XXXX in the past 30 days and there should only be XXXX reporting. I was advised by XXXX that they requested it be removed but it remains. There is a fraudulent inquiry that remains from XXXX XXXX dated XXXX/XXXX/XXXX. I was advised by XXXX XXXX that they requested a removal but it remains. I was also advised by XXXX XXXX that a request was sent to have inquiry removed ( XXXX, XXXX, XXXX ) over a year ago but it remains. There is written documentation in a previous XXXX XXXX complaint with CFBP. There is an inquiry from XXXX XXXX that is fraudulent and I was routed back to Transunion to dispute. There is also an inquiry from XXXX XXXX XXXX that is fraudulent. My driver 's license was stolen along with my car XXXX XXXX. Please add my phone number to my fraud alert. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been removed from my XXXX credit report. I have contacted XXXX, Transunion, and XXXX. They keep telling me that they have verified it. How? How are they verifying it when XXXX   removed it off my credit? 

XXXX keeps sending me a paper to have them verify the account for them which I am not going to do because it is not my job to do it and they should have the information if they are trying to verify. It is not my account. 

XXXX removed it and it is not accurate. This is the last final warning. If I do not get this removed off my credit report by the end of the year, I will file suit. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period multiple times. Since you are still reporting this account on my credit report, you are now in violation of the FCPA and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court.
Product: Checking or savings account

I am a victim of identity theft and fraud. When my funds were stolen from me I reported it to Bank Of America and they granted me credits. However they took back the credit without any explanation and no heads up. I have valid police report records Ive submitted to the bank. However I have been robbed by Bank of America. My current account statement is in the negative, severely. I know there is a current suit against Bank of America however their bad habits are still being followed.