23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/year> My credit card number was used at the XXXX XXXX XXXX XXXXXXXX XXXX to make two separate cash advance withdraws in the amount of {$1000.00} totaling {$2100.00} cash advance taken in the same day, without my authorization or knowledge. I never lost possession of the card. Once notified of the transaction by Wells Fargo, I immediately started a fraud claim which has been denied now 3 times. Wells Fargo is stating that since I never lost possession of the card, I must have authorized the charges. When I spoke to officer XXXX XXXX with the XXXX Police department, he advised that card numbers are often used for fraudulent purposes without needing physical possession of the card. I have submitted my claim for reconsideration with Wells Fargo again and submitted a complaint to their corporate office regarding how this claim is being handled and the lack of research they have done on their end. I have been charged over {$200.00} in interest on the cash advance withdraw alone, and my credit card payment has become astronomical due to these unauthorized charges. Wells Fargo is not helping in taking care of this claim at all.
Product: Debt collection

I have been called repeatedly over the course of a week from Direct recovery services LLC. Ive received about 2 voicemails claiming they are looking for a person named XXXX and it said if I wasnt XXXX ( which I am not ) to disregard the message, yet, they continued to harass me and leave back to back phone calls from several different numbers. Ive tried answering once and they hung up without saying a word. And when I block a number, a new one shows up. Ive received about 9 calls since XXXX am this morningits now XXXX pm. I would like to be left alone and will be filing a harassment lawsuit if this continues.
Product: Debt collection

This is new and relevant information to a letter from XXXX XXXX XXXX, addressed to an incorrect first name but my correct last name, saying I had an unpaid bill for {$150.00} with Wayfair. They closed my complaint, saying they attempted to contact me. But they contacted me from Citi, which was never named as the entity that would be contacting me, so it appeared to be phishing attempts. I see in their response that the letter was illegible, and this is because the image attachment resolution was too low. Now that I see that this was the information they were looking to collect, I can provide it. Here is the information from the letter. 


XX/XX/year> XXXX XXXX XXXX XXXX XXXX, We're reaching out on behalf of Wayfair to assist in resolving a past due amount of {$150.00}. You can access detailed information about your account through our Customer Portal. 

ACCOUNT SUMMARY Reference # : XXXX Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX TOTAL DUE : {$150.00} All amounts are in USD.
Product: Credit card

The fraud department of my XXXX XXXX card turned my husband and me into dishonest people who never paid XXXX to the XXXX XXXX XXXX for their ride from XXXX XXXX to XXXX ( XX/XX/XXXXXXXX  ) and XXXX ( XX/XX/XXXX ). 
The problem started on XX/XX/XXXXXXXX  when Citi declined a payment for an online train ticket purchase from XXXX XXXX because of suspected fraud. I called from my phone with my XXXX XXXX number, and was not able to verify my identity because I didnt have my bank account number or the number of another Citi card with me. Fair enough. So I went to the train station and paid for the tickets with my XXXX XXXX XXXX. 
It then occurred to me that I could maybe still use that card though XXXX XXXX, so I used XXXX XXXX to pay for a small drugstore purchase on XX/XX/XXXX, and that went through. So I used XXXX XXXX for the round trip ticket XXXX XXXX which I purchased from the bus conductor as we entered the bus. When I saw that this charge was declined after we arrived in XXXX, I called Citi again, and this time identity verification worked as they texted a code to my US phone number. I was told that block on my card was lifted and that I could use my card again. So I made used it at a coffee shop on XX/XX/XXXX with no problem. But then the charge to the XXXXXXXX XXXX company which they resubmitted on XX/XX/XXXX and on XX/XX/XXXX was again declined. Exasperated, I decided to wait until I got home to sort this out. 
I called Citi from my US phone number when I got home, explained the situation about the XXXX Bus charge, but verification entailed remembering a special word that I had forgotten. My card was again blocked and was told a code would be sent to me by mail. I asked if this could be reversed by a supervisor. It seems that no human can override what was clearly a computer generated nonsensical decision. How many people are honest enough to call to make sure a payment goes through in a foreign country after they have used a service, when the ticket was just a slip of paper with no identifying information on it? 
I called Citi again today with the code, my card was reactivated, but I was told that the charge to the XXXX XXXX XXXX would be paid when they resubmit that charge. They have already resubmitted that charge 5 times and I dont know if they will resubmit it again. 
So that is how we, an honest couple in their early XXXX, were turned into a free-loaders though the inanity of computer generated decisions that can not be overridden by an intelligent human being.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked credit report and I have alot of hard and soft inquiries on there that I didn't do, or apply for. Lost phone with all my information in it.
Product: Credit reporting or other personal consumer reports

To whom it may concern, You are reporting this collection Account name : XXXX XXXX XXXX Account number : XXXX With a past due Account balance amount of {$790.00}. This is inaccurate reporting and needs to be removed IMMEDIATELY. This is a violation of the FCRA and is in violation of requisite XXXX XXXX complaint reporting standards. According to the Fair Credit Reporting Act I have the right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable or accurate. Please send me a copy of my credit report when the above deletion has been removed. 
Sincerely, XXXX XXXX
Product: Debt collection

Medical insurance was filed and paid. 
I do not owe for this. Also, this is medical and does not lawfully need to be on my credit report
Product: Money transfer, virtual currency, or money service

account. 
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

This complaint is against Freedom Mortgage and their fraudulent tactics used while servicing loans. 

The mortgage has been refinanced, so thank goodness, I am no longer under the thieving fraudulent thumb of Freedom Mortgage. This complaint is to shed a light on their unjust, greedy, fraudulent tactics while servicing mortgages. 

XXXX XXXX was the investor of the mortgage and everything was fine until Freedom mortgage became the servicer of the loan. Every year they gave a bogus escrow shortage analysis stating there was an escrow shortage. It was always over {$1000.00} whether taxes went up or not. Therefore they used that as an excuse to raise the monthly mortgage payments hoping that we would not be able to afford to pay it. 

However, we paid their bogus shortage escrow analysis ; then Freedom Mortgage stated that they will still raise the mortgage payments every year whether we paid their so called escrow shortage or not. I had discussed their ridiculous practice to both Freedom Mortgage and the investor, XXXX XXXX without any satisfactory resolution. 

To Freedom Mortgage, the more money was in the escrow, the more they could pay themselves ( help themselves ). 

To me, I felt like a victim. Freedom Mortgage was putting financial hardship on us. The longer they serviced the loan, the higher our monthly payments would get over the years, even though we are on a fixed interest rate and we paid their bogus shortage escrow analysis every year. If they had stayed as our loan servicer, after some years, we would not be able to afford the mortgage and guess what " foreclosure '' although we were very responsible with our monthly mortgage payments.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - late/Closed XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Charge off
Product: Checking or savings account

On XX/XX/2021 I received a notification that a wire transfer of {$10000.00} was debited from my account. I had not authorized the transfer and immediately called Chase Bank 's fraud department to report the unauthorized transaction. I was given a case number after about XXXX hours on the phone with them and instructed that an affidavit would be send to my home address for me to sign. Uneasy about the uncertainty of the phone call, I called back a few hours later. I learned that the previous person I had dealt with had not correctly placed the report and the case number previously given was actually the SWIFT transaction number, not a case number. I was told a new case had correctly been opened and I should expect an affidavit in the mail. 

Having received nothing in the mail, I called Chase 's fraud department again on XX/XX/2021 for an update to my case. The individual on the phone mentioned they had not received a signed affidavit from me for the case so no further progress had been made. I let them know I had never received one in the mail, they also mentioned they had no tracking number for the original affidavit that had been mailed. I asked that another be mailed to me so I might get this resolved quicker. 

I still have not received an affidavit in the mail to sign and Chase has made no effort to contact me regarding my case. I am deeply troubled that I have been without over $ XXXX for almost a month now and Chase has been dragging their feet in resolving my case.
Product: Credit card or prepaid card

spoke w/CS Rep XXXX XX/XX/XXXX about XXXX XXXX : Second time I have contacted XXXX. ( Also twice had contacted XXXX of XXXX, ND. ) Received letter in mail from XXXX that my APR would be increased from 9.99 % to 14.49 % starting XX/XX/XXXX on Purchases. Reasons for bad review were four from XXXX, and, as I understand the words of the standards, all did not apply to my account. For years I have had one account, and I was now informed, 1-I have too few accounts currently paid as agreed ( I am told monthly that I only owe payments of $ 40- {$60.00}, yet I pay $ XXXX- {$400.00}. XXXX, itself, showed that all my months from XXXX XXXX to XXXX XXXX were " OK '' with this method used. ) 2-There is a lack of recent installment loan information : I do not use the credit card for any loans. It has been most heavily used for car repairs on a XXXX XXXX, which is now becoming VERY expensive junk. 3-Too many accounts with balances : XXXX said she saw only one account, XXXX, and no others. How can there be many accounts with balances, unless they belong to someone else? 4-Ratio of balances to credit limits on revolving accounts is too high : This one I was not sure of, but, since the information of XX/XX/XXXX used a credit score of XXXX, and it was used as a XXXX FICO XXXX Bankcard Risk Score, and XXXX informed me that the bad review was based on the date and version of my Credit Bureau report, and risk scores can be from 300-850, I am contesting this because XXXX gave me a credit score of XXXX on XX/XX/XXXX, which it labels as " Exceptional. '' I have had no bankruptcies, no late payments, no collections, and 100 % on-time payments, according to XXXX. Now, with this false evaluation from XXXX and XXXX, I am informed I have to wait six months for another review! That means the bank will rob me for six months!
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report ( see attached ), I noticed accounts on my credit report that were inserted without my knowledge. XXXX XXXX, via Transunion, placed several collection accounts on my report and never sent a dunning letter or any other notification of the alleged debt as the FDCPA mandates. 

I have never did any business with this company nor have I ever heard of them. To that end, I communicated in writing to XXXX XXXX in XXXX 2017 ( see attached ), seeking that they validate the debt they are stating I owe them ( see attached letters ). 

As of today, based on the tracking information provided, the dispute letter I sent them is being returned to me. The address Transunion provides on my credit report is where the letter was sent, yet it was undeliverable. How then is this dispute valid if the company did not collect its mail or has gone out of business? What method of verification did Transunion utilize prior to allowing this company to place these inaccurate, unverifiable items on my report? I have also submitted a letter to Transunion disputing the validity of these inaccurate, erroneous, and unverifiable accounts and I am yet to hear from them. 

I took an additional step and contacted your bureau ( the  Consumer Financial Protection Bureau ) ( see attached ), you responded that you have been unable to contact this company and alluded that this company may be non-existent. Therefore, I am making my FINAL REQUEST for Transunion to DELETE these inaccurate, unverifiable entries reflected on my report. 

These items are in direct violation of my consumer rights and should be DELETED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Upon reviewing my credit file, incorrect information was found in my reports. The Experian and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : EXPERIAN : 1. XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX 2. XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX 3. XXXX Inquiry Date XX/XX/XXXX 4. XXXX Inquiry Date XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX : 1. XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX
Product: Credit card or prepaid card

The company ( XXXX XXXX ) manages the EPICCard system in a number of states. EPICCards provide a " direct '' way for child support to be transferred from states to families, and is encouraged as " an easy and fast way '' to get child support money. My XXXX  run Mastercard Debit Card for Pennsylvania child support ( EPICCard ) has very inconsistently been accepted for purchases over the past few months, despite the fact that it has a very large balance on it ( I am able to check this by phone on their helpline, online in my EPICCard online account, and also on the PA Child Support online system ). As a result of this, I have decided to transfer my EPICCard balance to my bank account, and have switched all of the rest of the payments to direct deposit. 
XXXX XXXX  makes it nearly impossible to transfer funds from your EPICCard to your bank account ( and currently that direct phone number ( XXXX, the number is listed both online and in the EPICCard debit Card Agreement ) is out of service so you can not do it at all ). Customer service is negligible at best. You can not contact customer service online with questions. If you search online you will see that multiple other people have had issues with this company. It is very difficult to get a human on the phone service ( phone number XXXX ; there is no selection for it so you have to let the automated phone number run through all the initial options 4 times before they connect you, then wait over an hour ), the personnel do not know how to handle complaints, and they hang up on you/allow the call to drop or transfer your call to a different company that states it can not handle the complaints. I have contacted them multiple times ( multiple times to the automated number in the two weeks prior to XXXX before I learned online how to get a person to answer the questions, to a human being on XX/XX/2020, and to a XX/XX/2020 twice ) to ask how to transfer the remaining balance on my card to my bank account without success, I tried to go directly to my bank ( XXXX, which is listed as a bank that you can do the funds transfer at ) and transfer the funds off the card today ( XXXX ) but it was denied even though I had checked the remaining balance remained high immediately before walking into the bank. I was told during my latest call with the company help personnel ( by a supervisor named XXXX ) that there was a state-wide outage of the card in Pennsylvania ( the card worked for purchases in multiple stores today, unlike 50 % of the times that I have used it, so I do not see evidence of an outage ) and that he would advance my information above [ his ] paygrade.
Product: Mortgage

My significant other and I applied to and were approved for an FHA Home Mortgage through Bank of America at the end of XX/XX/2019. Throughout the entirety of the process, we have been lied to, misled, and entirely misguided by our banker, our underwriter, and our banker 's manager. Our personal banker ceased communication with us at the end of XX/XX/2019. No questions were answered and our closing date was continuously pushed back. We escalated our issues to the manager and settled on the XXXX of XXXX for a closing date. We both took time off of work for the day, making sure that the manager was well aware of the decision and that he was working to make sure that we had all of the documents. It is currently the end of the day on the XXXX of XXXX and we have been made to resubmit sensitive documents upwards of three times to the underwriter. We have been told different stories by different BoA employees, and the loss of this entire day, the mishandling of our documents, and the lack of communication has left us with very few options for closing dates and will cause us to have to submit another closing addendum to the seller to push back the closing date. This may cause the seller to back out of the deal and tank the entire thing. Please never get your mortgage through Bank of America.
Product: Credit card

We paid off our Wayfair balance and was charged interest. When we called they said it was interest from +\- 2 months ago. We put it a complaint earlier but it went to the wrong company. The issuer of the card is American Express/ Comenity . 

This is not the first time this happens with this credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received my credit report I notice several companies inquires that pulled/ viewed my credit without my permission. I sent letters requesting removal of theses unauthorized inquires that did not have written or verbal permission to pull my credit. I have sent a letter to the companies and experian to only receive a letter stating verified. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I took out a loan for {$3000.00} with XXXX XXXX XXXX  via Balancecredit.com on XX/XX/2021. At the time I had several other payday loans but was able to make my payments as scheduled. Sometime in XXXX my bank account was severely overdrawn and I contacted Balancecredit.com  asking them to stop automatic payments because my account was overdrawn and asked what arrangements could be made so that I don't fall behind. I told the rep that on the website it says that if I can not make a payment on-time they would talk about payment extensions or other arrangements, however they said they could not do anything to help. The person on the phone said they would stop the payment, but that no alternative arrangement could be made and that interest would continue to increase. 
Balancecredit.com continued to send me emails reminding me I was past due. In the email it said " If you're unable to pay now, please reply to this email to let us know how we can help and when you may be able to make your next payment. We look forward to getting you back on track. '' After bringing my checking account positive again, and as suggested in the email, I responded to Balancecredit.com to ask how I can catch up, suggesting that at the moment I could only afford {$100.00} per month. Balancecredit  responded, " Thank you for contacting Balance Credit. These requests must be processed over the phone ... Please contact our Customer Support Team at XXXX to complete this process. '' I followed up with a phone call to the customer service number they gave, and explained the situation to the person on the phone, but they completed ignored me and asked for the entire past due balance to be paid immediately via a debit card. I repeated myself indicating that I could not make the payment and they told me that until I made a payment and re-enabled automatic payments that no payment arrangements could be made. That made no sense to me because if I had the money to pay the past-due balance I would not have been asking for a payment arrangement. The 3 other payday loans I had made arrangements that reduced the interest rate so that it would not grow beyond what I could pay. I feel that balancecredit has no intention of honoring the statements on their FAQ ( https : //www.balancecredit.com/faqs/ ) where it offers to help get you back on track, or the statement in their email that asks for a response, but then they tell you to call customer service, but customer service asks for the full payment immediately. 
They continue to send me emails saying " Falling further behind will increase your balance on a daily basis, but we want to work together to get you caught up. '' But I have contacted them several times via email and by phone and their only proposed solution to getting caught up is to have me pay the entire past due balance immediately. I can not afford this and I would like to work to get back on track, but I feel all the statements from balancecredit.com either on their website, in their emails, or from their customer service reps are false statements to just get me to make any payment regardless if I can continue to pay or not.