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

My identity was stolen and a bunch of false info appeared on my credit reports. Pls delete the fraud information : XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Late payments also started to appear on my accounts. My money was taken but they didn't go the accounts. I need help correcting the late payments for these accounts and update the status to Never Late : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Additionally, please remove these fraudulent hard inquiries 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 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 XXXX XXXX XXXX 

I attached my FTC and IDs.
Product: Checking or savings account

Wells Fargo allowed a fraudulent checking account to be opened in my name. I have never banked with Wells Fargo before receiving multiple emails regarding a new checking account in my name. 

Wells Fargo, despite allowing a complete imposter to open this account, refused to allow me, the person whos name and information is on the account, to close or freeze the account. Because the fraud occurred on a XXXX  before a holiday, Wells Fargo stated they could not help me with anything until XXXX, allowing fraudulent activity to occur for at least XXXX days without any problems whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and am disputing 1 incorrect hard inquiry that needs to be deleted indicated in the attached letter below : XXXX XXXX ( Bank ) hard inquiry from XX/XX/2021 According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

Thank you.
Product: Mortgage

I contacted PHH Mortgage on XX/XX/19 requesting to remove the PMI from my loan. The loan to value ratio of my loan is now less than 78 % since the value of my home has increased in the last 7 years. On XX/XX/19, XXXX XXXX is refusrf to remove the PMI from my FHA loan because they will not accept a new valuation of the property. They have said, " New appraisals, which may show an increase in your original value, can not be considered. ''
Product: Payday loan, title loan, or personal loan

I have a loan with this creditor called XXXX XXXX. They are constantly calling my family members and also my employer .i really want it to stop. I am currently working with debt consolidation called XXXX XXXX and they are communicating with them. And I just want them to stop calling my employer and family members.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX : XXXX a natural person, ( hereinafter referred to as consumer ) is sending notice to Equifax, its United States affiliates ( collectively, Equifax, we, us, our ). I the consumer is opting out of any privacy policy and/or terms of use consumer may have directly or indirectly agreed to using Equifax services or websites. 
Equifax has 15 days to permanently delete and remove the following personal data from my consumer report and credit file. Equifax is not authorized to collect, use, sell, use and share the following personal data : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Equifax must provide free copies of my consumer report, consumer disclosure and credit file reflecting updates in accordance with consumers instructions. Any authorized use of consumers personal data will not be tolerated. 
By sending Equifax this notice consumer does not waive any rights to take action against Equifax for any past or future violations of the law.
Product: Debt collection

South west credit systems the  company involved calls me before  XXXX   XXXX  and nonstop throughout the day, when I ask them to send me a letter through the mail stating the debt I owe them they get offended and defensive, I ask them to set up a payment plan and they get rude, it 's just nonstop calling all day
Product: Debt collection

Hello, You are trying to sue me over an account that isnt mine. I have called your lawyers to discuss the matter. They informed me they did not have a copy of the original agreement that was signed. I would like to see that since the paperwork said said the original creditor was XXXX XXXX XXXX  but the charges were done with XXXX XXXX. Im unsure which one it is with the papers that were given to me. I know I did not sign a payment agreement with you or XXXX XXXX XXXX. I would like to get this matter taken care of. 

Thank you
Product: Credit reporting or other personal consumer reports

Inquiries : Equifax, XXXX, XXXX Reports I have attached 2 FTC Reports with all if the listed Inquiries on my credit reports. 
My credit was pulled without my knowledge or authorization on the dates listed
Product: Credit card or prepaid card

Hello I am contacting you about several problems I am having with US bank. This dates back to XXXX of XXXX, I was contacted by a company by the name of XXXX XXXX. I had paid them {$15000.00} on my US bank credit card and {$5000.00} on an airline credit card, once I found out it was a scam I had contacted both banks immediately. 

The XXXX bank did a charge back at once. Unfortunately, US bank did not follow suit when I told them about the situation. 
I had shown them proof as requested, that the company had in fact scammed me and told them that they needed to do a charge back. Instead they kept refusing me and I was in the time frame of when disputing and getting my money back should have not been a problem. 

This kept on going on to XXXX of XXXX with nothing resolved. I even talked to XXXX XXXX who is a higher up in US bank and still nothing. They said I would have to pay it and left it at that. I told them that I was n't going to pay it because I had done what I needed to prove it was a scam and they should do the charge back. I also saw that others who had been scammed by this particular company, had no issues once they told their bank what was going on. This was from XXXX, and again my airline card did a charge back with no issues once I spoke with them. 

Later on I had discovered US bank made another account and joined it to the US XXXX XXXX I already had. They also put my account in bankruptcy with out my knowledge. I have tried a number of times to resolve this. Many calls into the bank and nothing to show for it besides frustration. I am contacting you in hopes that this can be resolved, thank you very much for your time.
Product: Credit card or prepaid card

I did debt consolidation with XXXX XXXX XXXX. A settlement was reached with XXXX XXXX and now Wells Fargo is still adding interest, late fees and this was supposed to have stopped once a settlement was agreed upon. According to XXXX XXXX XXXX a settlement was in the amount of XXXX something dollars and now the balance is showing {$7500.00}. The credit reporting is showing that we are not paying and that were in collections which needs to be corrected because Wells Fargo is getting paid through XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Product: Checking or savings account

My account was frozen XX/XX/XXXX without notice due fraud suspicion which I understand but then my account was closed on XX/XX/XXXX, nothing has been communicated to me in writing, I was told I would receive a cashiers check for my balance which was in my account prior to the attempted fraud. I need this money to live. Chase gives nothing in writing and the customer service agents keep telling me to call back in a few days. I understand the bank has legal requirements due to government safeguards but I need my money returned. This was a scam to my account and my money in the account is valid from my job and can be traced to XXXX XXXX my employer. The amount in the account which is suspended is {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 

15 USC 1681 ( a ) ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX SSN : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Sincerely, XXXX XXXX
Product: Mortgage

my name is XXXX XXXX and i have a mortgage with Wells Fargo the loan number is XXXX. I am bihin with my payments because last year i had some health problems and i stop working for about one month went i try to go back on track of my payments the bank did n't take my payments any more. now i try to get a modification they deny it. I only want one way to keep my house and continue making my payment. thank for your help.
Product: Debt collection

To Whom It May Concern : I was checking my credit score through XXXX and noted a significant drop in my XXXX score. A collections account appeared for a company called Grant and Weber. I checked the details and it shows XXXX line items for a medical center XXXX which provided services to my daughter and myself at different times. However, all of these accounts were paid in full prior to moving XXXX XX/XX/XXXX. According to the line items, the account numbers were sequential and each charge was between {$120.00} and {$120.00}. What is also suspicious is that they have billing dates of XX/XX/XXXX, when we have already relocated XXXX for over a year. In addition, we had double insurance coverage between my husband 's and my work insurance plans, our medical bills were never over the co-pay of {$100.00} as well. Since I have not been contacted by them, I do not have enough information to formally dispute or verify this debt s legitimate. 

Thanks, in advance, for your help in this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

Originally opened the dispute with Apple credit card by Goldman Sachs on XX/XX/XXXX. Hired a company to do a repair on my gas stove which was backed by a 1 year warranty. The work was completed in XX/XX/XXXX. I reached out to the provider several times to let me know that the burners they replaced on the gas stove wasn't working. The technician set an appointment to come back out and check it under warranty but never showed up. I ended up having to replace the gas range and I filed a dispute with Apple/Goldman Sachs regarding the warranty not be honored and provided evidence and screenshot contacting the merchant verifying the appointment even have video evidence of the appliance not working and somehow they still sided with the merchant by them providing confirmation I made the purchase. That isn't the issue with the dispute. The problem is that I paid for a service that was supposed to be warrantied and the company failed to remedy the issue.
Product: Debt collection

This year, when I filed my taxes for the XX/XX/XXXX year, I was informed that I would receive a refund. After a few months, I received a notice that I would not get that refund because of debt owed. This company, Midland Management was going to garnish my tax return for owed debt. I am not aware of any debt, so I called the company- I was informed that the debt is from XX/XX/XXXX for a XXXX XXXX XXXX credit card. 

I told them I was not aware of this debt. They told me that if it was a matter of invalid information that I would need to give them a police report. Considering that the debt is from over 14 years ago, I can not really walk into a police station and file a police report. I did file a report with the FTC. ( I have had previous problems recently with unauthorized tries of opening a credit card in my name ). 

I gave them this information to which they still requested a police report. Again, I don't have a police report and I can not get one. They notified me that unless I come forward with additional information, they will continue with the garnish. I am wondering if there is any additional information I can offer them or if the fact that they are over 14 years in debt makes a difference. 

Thank you for your help.
Product: Debt collection

I had a hospital bill that I disputed with the hospital. I was told to resubmitt the bill to my insurance company, my insurance company paid the bill with leaving me a smaller balance. I started making monthly payments on the bill, when I was contact by this debt collector attempting to collocet the orignal full amount. I explainded to them that the amount was trying to collect was incorrect.
Product: Vehicle loan or lease

company is forcing us to pay for a loan for goods and services we did not receive. 
company has now after 2 years, when they are aware the truck engine blew right after purchase are trying to force us to put full coverage on the vehicle or they will charge us more premium rates. continue to force us to pay late fees on a account that was fradulently created. they continue to steal from me and my XXXX kids.
Product: Mortgage

In XX/XX/, I asked for an impound analysis of my escrow account, because I knew it had been overfunded. On XX/XX/XXXX, I called the company and confirmed that they would be issuing me a refund of {$15000.00}. They subsequently informed me that they had issued the check on XXXX XXXX XXXX 

I never received that check. 

I followed up several times and received no plausible explanation of where my refund check was. 

On XX/XX/XXXX, I called again and spoke at length with a customer service rep and a supervisor. I was told the original check could be voided and a new one issued. I consented. However, by now it was clear that the company is in violation of Rule X of the CFPB. 

On XX/XX/XXXX, I received new electronic correspondence from the company indicating that they had erred in their escrow analysis and I was only entitled to a refund of approximately {$9600.00}. 

On XX/XX/XXXX, I called them again and told them they had to issue my refund and overnight it to me or I would be filing a complaint with the CFPB. 

Here we are.
Product: Prepaid card

My account and card was repeatedly hacked for the past few years. Most recently {$2800.00} stolen from my account. After I had it frozen and new card sent because I was told someone was tyring to hack it and called not being able to say my name properly. Clearly the information was not relayed to the agent that allowed a person to change my email and wire XXXX XXXX XXXX XXXX 

This last one took weeks for me to get the funds back and was told they could not promise me they would get the funds back. I was totally stressed, unable to pay for my daughter 's after school activities, was behind on rent and charged, car payments bounced. 

I have had probably 6 cards in the past 3 years. Every time I got a deposit my card got hacked and I would have to wait for this to be fixed and/or new card. 

It was extremely stressful probably cost me over a few XXXX XXXX  or more in fees for bounced payments for rent and bills. Caused me to. miss deadlines, unable to pay for gas and utilities causing me to cancel important apts. 

I dom't understand how my account could be hacked that many times and how they were not able to fix the matter. The indivicual ( s ) clearly knew when I was getting a deposit and that to me shows a big issue with Bof A security and privacy policies and system.
Product: Credit card

I have a Citi Prestige card with Citibank. Upon calling for retention I was told about an offer on my card if I spent $ XXXX a month for 3 months, Citi would refund back to me {$200.00} for that spend. 

For the next 3 spend cycles I spent {$4000.00} a month on my Citi card often using the Citi card when it would have been better to use other credit cards if not for this offer. 

At the end of 3 months when I asked about my reward Citi basically told me they had defined 3 arbitrary periods a month and my spend doesnt fit the $ XXXX a month as defined by them arbitraririly. I would like to clarify, I was never told about these arbitrary periods in my call to Citi and its impossible to predict that Citi would mess up something so straight forward. 

I escalated the issue via Citi but today I got a generic letter which tells me I have not met the requirements completely ignoring the nuances of the case.
Product: Checking or savings account

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Frozen Account at SoFi Bank Dear Sir/Madam , I am writing to formally lodge a complaint against SoFi Bank concerning the unwarranted and prolonged freezing of my personal bank account, which has caused significant financial distress and inconvenience. 

Account Information : Account Holder : XXXX XXXX Date Account Was Frozen : XX/XX/year> Details of the Complaint : On XX/XX/year>, my personal bank account with SoFi Bank was inexplicably frozen. Despite my repeated efforts to resolve the issue, I have received no satisfactory explanation or timeline for when my funds will be accessible again. This account contains my hard-earned money, which I rely on to pay my rent and other essential bills. The inability to access my funds has left me in a dire financial situation, jeopardizing my ability to meet my financial obligations. 

I chose to trust SoFi Bank, a smaller financial institution, with my finances, expecting a high level of customer service and reliability. Unfortunately, this experience has been profoundly disappointing. The lack of communication and transparency from SoFi Banks customer support has compounded my distress, as I have no clear understanding of the reasons behind the account freeze or when the issue will be resolved. 

Impact on My Financial Stability : Due to this situation, I am unable to pay my rent and bills on time, which could lead to late fees, damage to my credit score, and potential eviction. I have explained my predicament to my landlord, but understandably, they require timely payment. This situation has created undue stress and hardship, undermining my trust in SoFi Bank as a financial institution. 

Requested Resolution : I urgently request the following actions from the Consumer Financial Protection Bureau : XXXX. Immediate investigation into the reasons for the freezing of my account at SoFi Bank. 
XXXX. Prompt resolution to unfreeze my account and restore access to my funds. 
XXXX. Clear communication from SoFi Bank regarding the status of my account and the steps being taken to prevent such issues in the future. 
XXXX. Compensation for any financial losses incurred due to the inability to access my funds. 

Thank you for your prompt attention to this urgent matter. I hope that the CFPBs intervention will lead to a swift resolution of this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The creditors cant produce original documentation of contract. Plus along with the 1099.
Product: Money transfer, virtual currency, or money service

I had a complaint case ( # XXXX ) with Bank of America. 

There are 2 payments scheduled deliver on XX/XX/2020, one amount {$4200.00}, another amount {$3100.00} from my HELOC account to XXXX XXXX tax collect department. The bank sent XXXX XXXX tax collect department 2 checks. When XXXX XXXX tax collect tried to cash the checks, they were rejected. Now it passed the deadline of property tax payment and I'm facing penalty. The problem is still not resolved. Bank of America told me they even can't find the checks were tried to be cashed. 

I have the second installment payments which are on the same situation and I worry they will be rejected too.
Product: Checking or savings account

Refused to all me to connect my account to an outside service and to access and manage my funds.