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

I'm getting duplicate overdraft fees that feel rather predatory in their issuing. I contacted US bank to resolve it, but they wouldn't do anything.
Product: Mortgage

My husband passed away last year and I've been struggling with the mortgage and other household expenses since my husband passed. I recently requested mortgage assistance and it is being processed with my mortgage company. I received a letter stating the mortgage loan is being accelerated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect/ Wrong Name, Address, and Work History Personal Information NAMES REPORTED XXXX XXXX EMPLOYMENT INFO XXXX XXXX ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I am writing to you guys because I had a Credit line with citi bank. During this inflation things have been hard on my family and I making it almost impossible to keep up with my bills. I had a balance with citi bank and I happen to receive a settlement offer. I happen to accept the offer, when I called today to find out why there has been no change in my account I was informed my account has been closed. I was never informed of my account being closed nor was I ever explained any of this when I called to make arrangement for the settlement. I was extremely disappointed because I was thinking I was being able to settle things and not have my credit affected but this company has closed my account not allowing me to be able to make things right. I took the settlement because I didnt want my credit being affected and this will affect me the same way. I have reached out to citi bank and was told there is nothing they would be able to do. The only thing left for me to do is reapply. Which I dont how that would make any sense. This company did not try to help me nor care about my finances. I would like to get help on being able to fix this matter
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Credit report showed discrepancy. I'm a victim or Identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 Wells Fargo ( WF ) transfered {$1000.00} from my checking account to my WF Credit Card without my written consent and they identified it was a problem and returned {$1000.00} back XX/XX/2020 to checkeing account but my FICO score decreased due to their error XX/XX/2020 ( according to email from XXXX ) and Wells Fargo FICO Score, XX/XX/2020 report ). I spoke with customer care department to complain when I first noticed their mistake but they're making these mistakes because their refusing to comply with American Disabilties Act ( ADA ) reasonable accommodations and their not giving any written text, email, or during phone conversation before they transfer any monies to wrong accounts so we customers can " VERIFY '' if the information is correct before they transfer monies. They did open a customer care ticket # XXXX but they closed complaint XX/XX/2020 when they called me but couldn't speak with there Executive Offices because I was talking with medical doctor. Today XX/XX/2020 I requested to speak with WF Executive Offices but instead told me they needed to open a new ticket but it seems they're giving customers " run around '' and changing parties to confuse, re-introduce complaint when they have previous information is " recorded and monitored, '' but feel they're concealing errors and request CFPB to monitor patterns and trends at WF.
Product: Credit card

We recently paid off our Chase Slate credit card, paid off on XXXX XXXX, 2016. Prior to paying this off we had auto payments setup, so they were taking {$210.00} payments monthly. We called Chase Slate and again paid off the account on XXXX XXXX, 2016 and were told the account was paid in full and closed and nothing else was needed. However on XXXX XXXX, 2016, another auto payment of {$210.00} was taken from our checking account. Due to this now we do not have funds for other bills we have already paid, so now we have to deal with returned payments. I contacted Chase Slate on XXXX XXXX around XXXX and was told they would review account and have refund checked mailed out within seven business days. I explained we can not wait seven business days for the funds to be mailed out. I asked if they could overnight the payment, but was advised they do not have that option. We asked for a supervisor and spoke with a XXXX XXXX, who after I explained everything asked how this was their fault. He turned this around on us and advised it 's the customer 's responsibility to follow up on the account and confirm any auto payments are turned off. Advised when we called to pay this off we were told everything was done and account was closed, so asked how they took funds out of my account if claim was closed. He could not answer and kept blaming me saying it 's the customer 's responsibility to follow up. XXXX continued to talk over me when I was trying to explain and ask questions to get a better understanding. I asked for his manager, XXXX XXXX, but was advised XXXX was the only supervisor in the building and there was no phone number or ext for any manager there and no manager had voicemail. He advised I will have to call back between XXXX and XXXX to see if a manager is available. At this point we just want our money back that should have never been taken out of our account. The other credit card we paid off had no issue stopping the auto pay option. I do not appreciate XXXX, a supervisor, blaming everything on me and advising the credit card company did n't do anything wrong. He advised the call was recorded and I hope it will be saved and can be listened to and not magically disappear which I assume will happen. I do plan on calling and asking for XXXX 's manager but again assuming when I call I will be told there is no manager in building or they are in meeting, so I am filing this complaint to see if I can get funds back asap. Also want to make sure this does n't happen to anyone else. I did the right thing by paying off my debt but they did n't turn off their auto pay function, but now a supervisor is telling me this is my fault. If this is sent to Chase I am sure I will never hear from a manager, but I will never deal with Chase again going forward and will be sharing my story and the response I got from a supervisor with Chase with everyone I can. This could have been a simple fix and a 5 min. call, but instead this has blown up due to the way it was handled. Thanks for your time.
Product: Checking or savings account

I filed my XXXX taxes with XXXX and received my federal refund in the amount of XXXX, XXXX after XXXX fees were deducted. It was sent to my credit karma money spend account of which I can sign in. Since XX/XX/XXXX I have been to access my account, I cant use my money or debit card, view my funds or any other actions besides signing in. Continuous error messages appear when attempting to use the website and app. I contacted Credit karma via phone, email, chat and fax. I have ten unresolved support tickets, I have been intentionally ignored and disconnected when inquiring about my money. IRS nor XXXX are able to assist because Credit karma Accepted the funds and wont allow me access to my account or money
Product: Checking or savings account

On XX/XX/XXXX, I verified that I was eligible for banks SoFi Checking and Savings direct deposit promotion via Customer chat. ( See attachment : XXXX ) On XX/XX/XXXX, I satisfied the conditions of the terms by having a direct deposit post to my account in an amount greater than {$5000.00}. 

On XX/XX/XXXX I contacted the bank to let them know that I had not yet received the {$300.00} bonus and the required amount of time as dictated by the terms had elapsed. The representative agreed with me and submitted an exemption form. ( See attachment : XXXX ) On XX/XX/XXXX I again contacted the bank to check on the status of my bonus. The representative informed me that I was not eligible for the bonus because I had previously received a direct deposit in XXXX. I informed the representative that this information contraindicated what another agent had told me on XX/XX/XXXX. The representative agreed there was a contradiction but did not initiate payment of the bonus. 

I have also attached the terms of the promotion. See : XXXX XXXX
Product: Debt collection

CREDENCE RESOURCE MANA violated my right on XX/XX/2022 I recently got a message on my XXXX credit report that I had a collection account CREDENCE RESOURCE MANA. I have never received notification Pryor to seeing the account pop up on my credit report. there in violation of 15 U.S. Code 1692c i have no knowledge of this debt or the original Creditor. Also the XXXX XXXX is located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. and is not allowed to collect Debt in New York XXXX. 

CREDENCE RESOURCE MANA Account number XXXX Balance on XX/XX/2022 Original balance {$3400.00} {$3400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX regarding a XXXX debt from the company affirm. I noticed this debt when checking my credit report. I informed XXXX I was never associated with this company and this was identity theft. I proceeded to dispute this debt with XXXX and also called Affirm to get details on the debt. I provided XXXX and Affirm with a FTC identity theft and a police report. I was told by a representative from Affirm that the account was under investigation. On XX/XX/2022 I received notification from XXXX that my dispute had been resolved and the Affirm debt would remain on my credit report. I was told to contact affirm again regarding this matter. I contacted affirm and I was told this account should have been removed from my credit report. XXXX keeps reporting inaccurate information and refuses to rectify my issue. I was told that experian has not received any mail from me which I will attach to this.
Product: Mortgage

XXXX XXXX XXXX Wells Fargo : XXXX Went through a hard time, had to apply for a modification. 

then : After months of waiting for them to let me know if it went through, faxes were paid to go through the program Finally after months & months Was on program. 

Home was ran in NEWS PAPER AS A FOR-CLOSURE accidentally, they said it was an accident. 
Being well known in the community, there was talk of my financial situation at the court house with attorneys discussing the foreclosure listed in the local NEWSPAPER, what an embarrassment. 

I paid a lump sum after a modification & the lump sum was added to the rear of the loan, not as a lump sum payment option, even though my mortgage statement showed the amount due to date, the formula they used didnt go with the statement they sent out.. it clearly said the amount due was owed but they changed it & they added 3 years to the loan. Even though my maturity date said XXXX they then changed till XXXX, made no since to get penalized for a CIVIL RELIEF ACT program 3 years of {$1200.00} payments, {$43000.00} So were the programs they lure you in with even the ones that the government let them offer? 

It took months of stress while faxing documents they always claimed were missing information for one type of program but then had all the documents for the program they wanted to put you on? 

Thought it was just me. 

XXXX XXXX XXXX
Product: Debt collection

I was recently the victim of identity theft following the XXXX data breach and someone obtained my social security number. I first noticed suspicious activities on my credit in XX/XX/2022 as they attempted to obtained a number of credit cards, loans and tax returns using my social security number. All of the companies which they sent a request to other companies including XXXX, XXXX, XXXX XXXX, and XXXX denied the credit after a brief inquiry however XXXX XXXX approved them for multiple accounts despite an outdated address and no valid phone number. 

Recently XX/XX/2022 I received a notice from a debt collector claiming I owed XXXX {$1100.00}. XXXX has been unhelpful and passed us on to the debt collector Convergent Outsourcing who also couldn't help us. We have submitted a fraud claim to XXXX including police reports and proof of identity fraud but have not heard back. They first made a lot of soft inquiries on my credit report around the same time as the new credit card attempts and continued checking soft inquiries even after I froze my credit and set the identity theft alert on all three credit bureaus. Then they put an outstanding balance on my credit report which significantly hurt my credit score.

They failed to take proper security measures to stop fraudulent accounts from being created when every other company did not fall for it. Additionally they have been unresponsive and actively hurting my credit score.
Product: Credit reporting

XXXX/XXXX/16 CFPB CC EQUIFAX Dear CFPB I want to thank you for allowing me to argue my case on behalf of Equifax I have submitting documents after documents on supporting my point about Equifax in violation pof the FCRA 609 ACT that congress put into law to protect consumer 's I have sent in document 's, Certified letter recipt costing well Over {$100.00} or more and they have still not yet demand my request. They are well Over there 30 days of investigation time that the federal government allow them to investigate such a complaint. As you know we have recieved on your site from they did n't know what i was disputing from they have verify the account with the orginial creditor.. I had forward supporting documents on the XXXX that they are reporting the wrong account number That is none of mine. so there Investigation is a straight up Lie.. I asked Once again to have have the closed XXXX account removed from my credit file and also the barclaycard card beremoved ( not my account ) and the closed onemain account be removed as well. Since XXXX XXXX i have been asking for documents from Equifax since XXXX XXXX 2016 and nothing yet So cfpb I ask you to take this case Over and take all the Legal power that you have to fine this company to your fullest. The reporting agencies number 1 is not for the consumer 's as we all Know but their is a federal law in place that they have to follow that law and do it promptly I can not break the laws and bilaw and you can not either so why should equifax think that they do not have to follow the federal so I thank you so much for allow me to use your site to argue and fight for my rights ... ( So i asked you to take charge and do what you have to do to the fullest!! 
Thank you XXXX
Product: Credit reporting or other personal consumer reports

Please remove fraudulent accounts and hard inquiries off my credit profile from Experian, XXXX, XXXX XXXX immediately. 

XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have ask them to stop calling me and that if they didn't stop that i will sue i also let them know that i have file a fraud with XXXX  fraud management and they call every day.for the last two weeks from the hours XXXX to XXXX i also notice XXXX  about these call
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bill ( A Medical Collections Bill ) was reported on my collections in the amount of {$120.00} to the account in XX/XX/2020. 

According to the law that all three bureaus -Transunion , XXXX , and XXXX  ( see attached document ), the bureaus need to wait 180 days ( 6 months ) before adding the record to the consumer 's credit report.

Instead of waiting for 180 days, the bureaus reported the medical collection within 30 days. I was getting ready to apply for a home and my score tanked about 70 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and JPMC has reported defamatory information about me to XXXX on XX/XX/2021. I am challenging the incorrect information with the XXXX and JPMC inquiries on my credit report. Where XXXX clearly violated the law. XXXX and JPMC put on my credit report an inquiries that is not mine. The inquiry is false and the date false. Verification of claim against me ( a sworn affidavit ) Im challenging this inquiry with XXXX and JPMC of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this inquiry such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete/remove inquiry from XXXX credit report immediately.
Product: Credit reporting or other personal consumer reports

Someone fraudulently open accounts in my name without permission and I file identity theft report with identity theft .gov
Product: Checking or savings account

I caught my father, XXXX XXXX, who lives at a distant address in another town with my sister stealing mail from me ( these letters are mailed in my sister 's name XXXX XXXX who shouldn't get mail here and he claims she told him to steal from me ) but this time he wanted IMPORTANT TAX RETURN DOCUMENT ENCLOSED : Citibank XXXX XXXX XXXX XXXX XXXX, TX XXXX -- I refused him and returned to sender!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dear Consumer Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute 1 Account Number : XXXX Account Name : XXXX XXXX XXXX Type of disputed information : credit card Dates associated with item being disputed : XXXX XXXX, XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Type of disputed information : credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Type of disputed information : credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute XXXX Account Number : XXXX Account Name : XXXX XXXX  Type of disputed information : credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX of disputed information : credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX of disputed information : collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission.
Product: Student loan

They will not allow me to get lower payments. I ca n't afford XXXX a month single mom. They call me at least 8xs a week
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX this account is reporting OPEN, Negative & /or showing a balance after being included in bankruptcy XX/XX/XXXX which was discharged XXXX & closed XX/XX/XXXX