23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received my XXXX 2020 monthly mortgage statement from Suntrust and noticed 2 separate charges on my account : XX/XX/XXXX - FAX FEE - {$15.00} XX/XX/XXXX - FAX FEE - {$15.00} I called the customer service line to inquire about what these charges were for and was told that they were for faxing a payoff to someone who requested it. I am refinancing my mortgage, so I would expect that a payoff would be requested. But there is no way to justify a {$15.00} charge to send a simple fax. I can see charging a small fee, but {$15.00} each time someone calls is just exorbitant. 

In addition to that, when I asked the gentleman on the line why they would allow someone else to request something on my account that would result in a charge that I have to pay, his response was that if they have my name and address, it is Suntrust 's policy to give them whatever information they want whether or not it will result in a charge. I asked him to make a note on my account stating that they need to call me before they perform services for someone else that they will charge me for, he told me that the requester would need to call me, Suntrust would not make that call to me. So they are not even willing to give me the option of approving or denying someone else having access to place charges on my account. Seems like a simple courtesy to me - if you're going to charge me {$15.00} for a fax that someone else requests, you can't call to inform me of that and make sure that I approve? Instead, it sounds to me like the gentleman on the line is saying that it is Suntrust 's policy to let anyone request any information about my account that they want ( as long as they know my name and address ) and they'll just place a charge on my account for that request. How can that be okay?
Product: Mortgage

XXXX out sourced our loan to Shell point mortgage co. and this servicing company is now telling us that we must give them an additional {$850.00} this year as an additional cushion for them just in case taxes or insurance goes up. We were told a mortgage officer that this is illegal. Shell point is now taking an additional {$120.00} monthly on top of our monthly mortgage and escrow payment. We asked them why and we were told, " because we can ''. XXXX mortgage never did this to us. With XXXX, if our insurance or taxes went up, our monthly statement reflected this. They are only allowed to collect a rise in taxes and insurance spread throughout the year, but shell point wants us to add money for them to play with. When we refinanced with XXXX ( making home affordable program ) We were given a figure that was tight, but we could afford, now with this extra {$120.00} monthly, we will lose our home. We did not have any say about the this out sourcing and, someone from XXXX slipped and said they sold our mortgage to shell point, but we do not believe this is true! We need help sorting this all out.
Product: Debt collection

I have asked for proof showing that this company did a service for me and my signature on the service that they completed for me. I still have never received that information from this company. I notice on my XXXX report that they keep changing the date opening. This account is only on my XXXX report.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX account number XXXX
Product: Credit card

On XX/XX/year>, I found out that Wells Fargo closed my Active Cash Credit Card with no notice. On that XX/XX/year>, I called Wells Fargo asking why it was closed, and they said that I would receive a letter in the mail explaining why it was closed. It has been nearly one month since it was closed, and I still have not received a letter. The card was closed for no reason, all of my credit card payments are on time and I have never missed a payment with Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request to delete my fraud alerts and extended fraud alerts XXXX # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC XXXX  XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Debt collection

I have two medical debts appearing on my credit report from Merchants & Medical that I 've disputed on two different occasions and they have yet to properly validate each debt with original documentation or anything with my signature attatched.
Product: Credit reporting or other personal consumer reports

Hello There, I have explained in detail below, and I don't mind giving you accounts numbers, address, and incorrect names because they don't belong to me, and I shouldn't be seeing them as well. 

My name, address and debts are incorrect on my credit report, this incorrect information has caused me to be turned down for some jobs, and housing. I have tried very hard calling these companies but they refuse to remove it from my credit report, or even call me back. There is incorrect address, and debt accounts listed on my credit report, all which do not belong to be and are becoming a burden on my livelihood. Also, I'd like to address my name, my name is XXXX XXXX XXXX, not just XXXX XXXX, I don't know if that is the reason I have other ( s information on my credit report, but it's causing me a lot of pain and headache in my life. I would like these accounts to be removed all together. I have provided my ID, SSI card and proof of mailing address. 

These ( 6 ) address below are not mine, nor did I ever live at these addresses. 


XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX. XXXX OH XXXX XXXX XXXX XXXX. XXXX OH XXXX XXXX XXXX XXXX. XXXX OH XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  The below ( 5 ) accounts below, do not belong to be nor have I ever done business with any of them. 

XXXX Account number XXXX Account typeOpen account Date openedXXXX XXXX, XXXX Balance {$3600.00} Balance updatedXXXX XXXX XXXX XXXX XXXX Account XXXX Account typeOpen account Date openedXXXX XXXX XXXXXXXX Status updatedXXXX XXXX Balance {$300.00} XXXXXXXX XXXX XXXX XXXX  Account XXXX Account typeXXXX Date openedXXXX XXXX XXXXXXXX Status updatedXXXX XXXX Balance {$590.00} XXXX XXXX XXXX XXXXXXXX Account XXXX Date openedXXXX XXXX XXXX Status updatedXXXX XXXXXXXX Balance {$560.00} Balance updatedXXXX XXXX XXXXXXXX Past due amount {$560.00} XXXX  XXXX Account numberXXXX Date openedDec XXXX, XXXX StatusAccount charged off. {$720.00} written off. {$720.00} past due as of XX/XX/XXXX. 
Status updatedXXXX XXXX Balance {$720.00} Balance updatedXXXX XXXX XXXXXXXX Original balance {$1400.00} XXXX XXXX Account numberXXXX Date openedXXXX XXXX, XXXX Status updatedXXXX XXXX Balance updated- Original balance XXXX XXXX Monthly payment- Last Payment DateXXXX XXXX XXXX
Product: Mortgage

I have called to get help with getting my payment cought up i do not want to lose my home an all i keep getting is that thay can not see my email or the documents i send an i keep getting farther behind an its almost to the point where i thank thay are not going to help. I want to keep my home and get everything cought up i was haven hard time makein the payments when i got behind. Thay are sayin that all the papers i sent thay only keep for 30 days. At one point thay said i had everything thay needed an now thay dont have anything.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. These are the inquiries with the name and date attached to them, that was fraudulently made to my personal credit. I have sent in proof to the credit bureaus but they refused to have these removed. They are breaking the credit law. Please have this resolved with the credit bureaus immediately and have them have these inquiries removed immediately! 

XXXX XXXX VIA DEALER ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

Inaccuracies on my consumer report include unauthorized access, improper purpose, inaccurate information, and a request for removal of an incorrect account, violating both 15 USC 6801 and 15 USC 1681 section 604 ( a ) ( 2 ). These violations require immediate investigation and correction to ensure compliance with federal regulations.
Product: Credit card or prepaid card

XX/XX/XXXX Ordered a Grill from XXXX using my Apple/Mastercard from Goldman Sachs for {$110.00}, No response from XXXX in the form of Confirmation E-mails, Shipping Dates and Tracking Number for the Product and No Product received, XX/XX/XXXX I file a Fraudulent Complaint with Goldman Sachs who handles the Credit Card, They open an investigation and I ask how long will this take and they say their policy can take up to 3 months before a decision is made. I stress to them I received no e-mails, shipping dates and no product so how could they take this long? I wait 3 months then I begin to call the Fraud Department XXXX ( XXXX ) XXXX, Monday XX/XX/XXXX at approximately XXXX XXXX. Hawaii time, spoke with XXXX, Monday XX/XX/XXXX at approximately XXXX XXXX Hawaii time, spoke with XXXX, Tuesday XX/XX/XXXX at approximately XXXX XXXX Hawaii time, spoke with XXXX, They say every time I called it's been escalated to the Upper Management Team and they are having problems with how they conducted the dispute procedure. Thursday XX/XX/XXXX, I receive a call at approximately XXXX XXXX. from XXXX and she states she is from The Office of the President Advocacy Department and says they are resolving my dispute in my favor and it should be on my Apple MasterCard Account no later than XX/XX/XXXX and if not I should call the department. No E-mail or any contact regarding this so I call back on XX/XX/XXXX and talk with XXXX at XXXX XXXX. Hawaii time and she said I need to call back tomorrow Friday XX/XX/XXXX. I call back Monday XX/XX/XXXX at approximately XXXX XXXX. and speak with XXXX who then transfers me over to XXXX who is a Total whatever, anyway I stress to her if they have confirmation E-mails, Tracking number, shipping dates I would like to have that sent to me. She said she could do that but it might take 2 or 3 weeks by Mail, I said that's RIDICULOUS but send it anyway, well NOTHING shows up!!! Monday XX/XX/XXXX at approximately XXXX XXXX Hawaii time I call and speak with XXXX, who then transfers me to XXXX who proceeds to tell me my case is so old that's why they can't find the papers and have not sent me anything. Then she proceeds to tell me how she handled her own case like this with another Credit Card Company and insinuates I should eat the cost. XXXX NO!!! I NEVER RECEIVED THIS PRODUCT, I NEVER RECEIVED ANY SHIPPING OR TRACKING INFORMATION!!! 
WHAT THE XXXX IS GOING ON " GOLDMAN SACHS ''??? PLEASE HELP ME!!!
Product: Debt collection

The following debt has negatively impacted my personal credit with incorrect information and I have attempted several times to dispute this matter. I was never granted arbitration clause before the debt was sold to a debt collector. Also, the debt was not ever validated by the third party debt collector in which there is no proof of an original contract with my signature agreeing to pay them. Although, the debt has been paid several of my personal and consumer rights have been violated in which I did let the company know that legal action is to take place if this is not removed immediately from my credit report. If I do not receive an updated copy of my credit report with the disputed items removed, my attorney will pursue my legal rights under 15 USC section 1681 ( n ) and 15 USC section 1681 ( o ) of the Fair Credit Reporting Act " Civil liability for will noncompliance '' The credit bureaus will be liable for 1 ) the actual damages I have sustained by failure to delete this 2 ) Punitive damages as the court may allow 3 ) Cost of the court action in addition to attorney fees. A copy of my dispute has been sent to the Federal Trade Commission, the Subcommittee on Banking, Credit and Insurance, the Consumer Protection Agency and Department of Business and Professional Regulations ( Division of Consumer Complaints. )
Product: Credit reporting, credit repair services, or other personal consumer reports

It's really mind-boggling that I have so many complaints against Experian, it's even more mind-boggling that you show my credit is fair at XXXX something but again it's wrong because it's at XXXX on every other platform but then you're reporting my credit wrong to these credit card bureaus showing that my credit is XXXX hold on that doesn't even match what you have on YOUR website I expect all my information to be updated within the next 24 hours. I should not have to harass people to do their XXXX job right, but it's giving racial discrimination it's giving you're purposely XXXX with people of color credit so that they can't do anything in life. Thankfully I document everything .This is the last time I'm submitting a complaint and I will be filing a lawsuit.
Product: Credit reporting or other personal consumer reports

I simply want to freeze my credit report at Experian. I need to do it by phone, because Experian 's online account system is known to use predatory tactics to force / trick consumers into paying for their services. 

Evidences : 1 ) Experian Consumer Services Agrees to Injunction and {$650000.00} Civil Penalty for Allegedly Sending Emails to Consumers Without Giving Future Opt-Out Option XXXX XXXX XXXXXXXX XXXX ) You can be tricked into 'accidentally ' signing up an online banking account while trying to freeze your Experian credit report online. 

XXXX XXXX XXXXXXXX However, I was NOT able to freeze my credit by phone. There is no way to get out of their notorious automated system and reach a real person. The automated call system would only 'guide ' you to their online service or alternatively, ask you to send a snail mail (! ). 

In contrast, I have frozen my credit reports at both of the other major credit reporting agencies- XXXX and XXXX ( by phone ) very easily. I question Experian 's good will in forcing the online account upon consumers. 

Now, I'm only freezing my credit reports as a preventative measure against ID theft. So I have the leisure to file this complaint - Imagine someone who already had fraudulent account opened in their name and desperate to freeze their credit reports. They would have NO choices but to do whatever Experian demands.
Product: Student loan

MOHELA continues to incorrectly recalculate my SAVE payment. I am the primary income earner in my household and have XXXX children in college who are my dependents, and while MOHELA 's own calculator shows my estimated monthly payment at {$250.00} a month, yet my monthly payments are {$540.00}, more than double the estimated amount. This payment amount is much higher than I can afford. When I have called MOHELA, I was told by a representative that I should " move to another state that's less expensive. '' This is not appropriate or helpful. I have seen where MOHELA has also miscalculated other borrowers ' SAVE payment amounts, more than doubling their payment when they incorrectly take into account the borrower 's spouse 's income and loans due. I would just like for my payments to match what their own calculator states or close to it, not more than double, which I can not afford. It makes no sense for their calculator to be this far off.
Product: Money transfer, virtual currency, or money service

My card was charged twice for XXXXXXXX XXXX and {$10.00}. These charges were not me and I have tried contacting them and disputing but its been almost two weeks ... Dave XXXX  has failed to get back in touch with me ... Customer XXXX phone line never works ....
Product: Credit reporting or other personal consumer reports

Thank you for addressing some of the erroneous items in my credit file caused by inaccurate data. However, there are still items that need to be removed. This is a follow-up complaint regarding faulty credit reporting. According to Fair Credit Reporting Act XXXX XXXX ( a ), you are required to remove any items opened without my knowledge, consent, or authority within XXXX business days, provided : ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed as they are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : 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 Balance Owed : {$5700.00}. This message is being sent certified to protect my rights. My research indicates you often fail to comply with this FCRA statute. If you do not remove these items, I will refer this matter to my attorney. You have XXXX business days to remove the erroneous items from my credit file. I do not consent to XXXX or any automated verification.
Product: Vehicle loan or lease

Hello I am submitting this complaint because of a mistake that caused my credit score to drop for a reason that is not my fault at all. The Loan was 60 months long, which was all on autopay. And on the last month that it was supposed to take the money out to fully pay off the loan, the company failed to take the money with the autopay and I also did not get any notifications or emails about it. Now it is a late payment on my credit report and I am not the one at fault. The loan company failed to take the autopay. I also contacted my bank on which the autopay was under, and when I spoke to them they mentioned that no one even tried to take money out of my checking account on the date of the payment. I contacted the loan company and they told me to contact my bank about these inquiries. It is a very mistake which is not owned up by the loan company, which also caused my credit score to drop down horribly. Please fix this mistake because I should not be charged with a late payment on my credit score because the loan company was not consistent enough to check on their autopay or give me any notifications that I have not paid. The last payment was only XXXX dollars, do you think I would ever not pay the last XXXX dollars for the loan, it is literally the last payment for the vehicle. The whole loan consisted of XXXX dollars. Why would anyone with the right mind just not want to pay for the last payment on the loan. It is a problem that needs to be fixed from the loan company, and should not be ignored at all.
Product: Credit card or prepaid card

We have tried cancelling the booking and at the time of booking this hotel and airline they clearly told us if we cancel before XXXX XXXX we would get a full refund.Now they say airlines would not refund us the money but it would only be the hotel that would refund us the money.As per the conversation had and information processed to us XXXX has lied to us and now we need to cancel the air tickets and hotel reservation with full refund.Amex who support us says they can not call XXXX XXXX and we should call them.Its their responsibility to make sure we get our money back to the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF TRANSUNION NEEDS AUTHORIZATION TO PROCEED, THEN I GRANT TRANSUNION MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. Certified Mail # : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive checked my credit profile I understand that my identity has been compromised because of the expertise data breach along with experience my information is being sold on the dark web, I owe for several accounts that are not mines I ask the credit agency to removed these false charges that has deeply hurt my family and caused us pain. Account numbers XXXX. XXXX. XXXX XXXX XXXX. XXXX. XXXX. XXXX. XXXX. Remove this collection immediately,15 U S C 1681a 2B, any other purpose authorized under section 1681b of this title. ( 2 ) Exclusion-Except as provided in paragraphs ( 3 ) the term consumer reports does not include ( A ) subject to section1681-3 of this title, any ( I ) report containing information solely as to transactions or experiences between consumer and the person making the report ; Communications of that information is initially communicated, to direct that such Information NOT be communicated among such persons ( B ) ANY AUTHORIZATION OR APPROVAL OF A SPECIFIC EXTENSION OF CREDIT DIRECTLY OR INDIRECTLY TO A CONSUMER CONVEYS HIS OR HER DECISION SUCH NOTICE MAY BE GIVEN TO A CARDHOLDER, BY PRINTING THE NOTICE ON ANY CREDIT CARD OR ON EACH PERIODIC STATEMENT OF ACCOUNT ISSUED TO THE CARDHOLDER, OR BY ANY OTHER MEANS REASONABLY ASSURING THE RECEIPT THEREFORE BY THE CARDHOLDER. ( I ) THE TERM CREDIT CARD MEANS ANY CARD! PLATE, COUPON, BOOK OR OTHER CREDIT DEVICE EXISTING FOR THE PURPOSE OF OBTAINING MONEY, PROPERTY, LABOR OR SERVICES ON CREDIT. THE TERM ACCEPTED CREDIT CARD MEANS ANY CREDIT CARD WHICH THE CARDHOLDER HAS REQUESTED AND RECEIVED OR HAS SIGNED OR HAS USED OR AUTHORIZED ANOTHER TO USE, FOR THE PURPOSE OF OBTAINING MONEY, PROPERTY, LABOR OR SERVICES. THEN YOU WILL NOTICE THAT YOUR SOCIAL SECURITY CARD AND ID/DRIVERS LICENSE ARE CREDIT CARDS AND CONGRESS JUST STATED ABOVE THAT ANY AUTHORIZATIONS OR APPROVALS THAT CAME FROM YOUR CREDIT CARD SHOULD NOT BE INCLUDED IN A CONSUMER REPORT. REMOVE IMMEDIATELY
Product: Checking or savings account

Dispute case number XXXX for the amount of XXXX  was denied ; no information given for denial ; customer service can not provide any answers ; can not even speak to a supervisor ; an order was placed with a merchant and no item has ever been received or delivered for this transaction ; Cash app is not providing any assistance ; I want the money placed back into the account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX  / XXXX  / {$1100.00} / XX/XX/2022