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

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

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 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
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX , do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Mortgage

I became ill and was unemployed. I struggled making house payments and went through XXXX XXXX to get myself back on track. I was told to become delinquent and they could assist with modification. 

Once I was through the modification with XXXX XXXX, the loan was transferred to ShellPoint Mortgage Servicing. 

I am in the process of refinancing and was told by my lender that I owed a much greater amount then projected as I have a {$21000.00} deferred principal balance. I am confused as in 2014 upon approval of the modification, I have a document that shows my Principal balance as {$61000.00} - as of XXXX see attached. 

The payoff shows my principal balance as {$47000.00}, deferred {$21000.00} and a few fees which total {$69000.00}. 

I along with my lender have called numerous times to find out why the principal increased but no one seems to be able to provide a clear explanation or provide the documentation to show where the difference is coming from. They have indicated fees but have no idea what the fees are from as I was told the late fees from the past mortgage company would be forgiven. 

Nonetheless, before paying off Shellpoint, I need a clear explanation how the balance went from {$61000.00} to {$69000.00}. 

Any assistance would be appreciated as I am not able to get any where.
Product: Checking or savings account

i opened a brokerage account with Citi. I was told by XXXX XXXX ( XXXXXXXXXXXX ) that I would get {$100.00} sign-up bonus by opening a brokeage account by XXXX/XXXX/XXXX and transferred $ XXXX assets within 2 months. The sign-up bonus would be credited to me by XXXX/XXXX/XXXX. 

I applied the account with XXXX XXXX ( XXXXXXXXXXXX ) on XXXX/XXXX/XXXX and submitted request to XXXX on XXXX/XXXX/XXXX. $ XXXX assets was successfully transferred on XXXX/XXXX/XXXX. 

I confirmed that {$100.00} bonus with XXXX. So far, I have n't seen the bonus yet. I emailed XXXX a few times regarding to this. He said he was working on it, and I should see the credit soon. It 's a year now. and I still have n't seen the sign-up bonus.
Product: Student loan

Hello XXXX, My monthly payment under IDR before COVID administrative forbearance was {$1600.00} per IDR certification done in XX/XX/XXXX. I have attached the documents/screenshots to support that. However, my current monthly bill of {$2000.00} due after the forbearance is over is based on income re-certification done during COVID forbearance. Therefore, I would like to request that my current IDR plan be deactivated to pre-COVID IDR payment amount and that amount to be continued till when next re-certification is due which would be XX/XX/XXXX, last re-certification being done in XX/XX/XXXX. Thank you for your attention on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a paid charge off on my credit report which is inaccurate, account was paid on time and in full.

- Closed 3 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Lease Balance on XX/XX/XXXX Loan Amount - {$20000.00} Payment Info Status Paid, was a charge-off Status date XX/XX/XXXX Past due amount - Original loan amount {$20000.00} Monthly payment XXXX XXXX XXXX  Charge off - Data Unavailable Additional info Responsibility Individual Terms 37 Months Company sold - Original creditor - Comments Dispute resolved consumer disagrees
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX loan company has been paid in full due to insurance claim/loss, company continues to report to collections as account closed and not paid in full. Account has been pain on time and in full.
Product: Debt collection

Receiving emails with info from an old loan from XXXX XXXXXXXX where the senders are demanding I pay them and have threatened to warrest me if I do not. The amounts are wrong and the email address for a so-called attorney look to be fraudulent and are thru XXXX and not a reputable law firm email address anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.
Product: Student loan

Additional payments were not applied to the principal balance as indicated on payment. Student loan was not capitalized at the correct time and was capitalized XXXX.
Product: Money transfer, virtual currency, or money service

Hi was victimized a week ago through my bank and XXXX account I received this text : from Wells Fargo fraud protection asking me if I set up a transfer for {$3500.00} to someone. 
After responding now they called me telling me that I was transferring {$3500.00} over from my cell account to someone name XXXX they then had me at myself as a recipient so that I could reverse the charges. 
I sent {$500.00} seven times, I was caught off card, But within 20 minutes I realize what I did and called Wells Fargo I also attempted to call XXXX, but they said I had to go through my institution. No one can seem to stop this transfer although it just had happened. 
They have been in contact with a third-party institution where my money went. They are claiming because I did it myself that I am not covered by FDIC. 
This is heartbreaking & devastating, I am a single mother and I am working extremely hard for my money to provide for my kids, and this is a huge loss for me. 
I would think that the bank/XXXX Clearly knowing the fishing scams that are out there, Would flag transfers of {$500.00} being sent every 30 seconds!! 
I Would expect that I would be protected by fraud by my institution that I have been a patriot for so long!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7000.00}, {$5600.00}, {$3000.00}, {$2700.00}, {$3700.00}, {$1200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7000.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account. 

3. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

4. XXXXXXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$2700.00} -This is not my account. 

-- COLLECTION ACCOUNTS 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$1200.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Creditor Name : XXXX XXXX XXXXo Account Number : XXXX Balance Reported : {$140.00} Date of Charge-Off : XX/XX/XXXX Creditor Name : XXXX. XXXX XXXX Account Number : XXXX Balance Reported : {$1700.00} Date : XX/XX/XXXX Reason for Dispute : No contractual agreement THESE ACCOUNTS DO NOT BELONG TO ME
Product: Student loan

For the past XXXX years, I have been a special education teacher in XXXX XXXX schools. My dates are as follows : XX/XX/XXXX to XX/XX/XXXX at XXXX XXXX XXXX XXXX, XXXX, MI XX/XX/XXXX to XX/XX/XXXX at XXXX XXXX, XXXX XXXX, MI XX/XX/XXXX to XX/XX/XXXX at XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX to present at XXXX XXXX XXXX, XXXX, MI All schools are verifiable in the database. At all times I was a highly qualified special education teacher. 

They are denying me relief under the XXXX XXXX XXXX XXXX ( NOT PSLF ) because of XXXX and XX/XX/XXXX. I gave my last day as XX/XX/XXXX to spare my district from paying me for XXXX, which was an asynchronous day and no one would have shown up anyway. I also could have taken a paid sick day. Instead, I was honest and gave my last day as the XXXX so as to save my severely underfunded district money. 

I originally was going to start on XX/XX/XXXX in XXXX XXXX but they said I couldn't start until the XXXX because they only did new orientation via XXXX on Tuesdays. I was literally precluded from starting before then. 

Before I took ANY job, I always made sure it was in this database to qualify for forgiveness. I could have worked at a private school, a wealthy school, or gone back to practicing law ( previous profession ) but instead I relied in good faith on the XXXX XXXX XXXX XXXX. They are literally denying me my relief because of XXXX days. This is a slap in the face to all hard working teachers and the original drafters of this federal legislation. I welcome any help available. Thank you.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX CARD # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX AUTO # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to file a formal complaint regarding unauthorized charges made to my debit card ending in XXXX, associated with my account number XXXX, processed by Healthcare Finance Direct ( HFD ). These charges were initiated on behalf of the merchant " XXXX  XXXX XXXX '' without my consent or authorization. 

Around XX/XX/scrub> 2022, I visited the XXXX XXXX XXXX clinic for an initial consultation regarding their teledentistry services. However, following careful consideration, I expressed my discomfort with their service and the methodology of their teledentistry approach. Consequently, I did not provide authorization for any further transactions on my behalf. 

Despite my explicit disapproval and absence of consent, XXXX XXXX XXXX unilaterally proceeded with an order, resulting in unauthorized charges totaling {$2600.00} being debited from my bank account. These charges consisted of XXXX transactions of {$88.00} each and XXXX transactions of {$25.00} each, all executed without my acknowledgment or approval. 

I wish to underscore that I neither received the product nor authorized any transactions beyond the initial consultation fee with XXXX XXXX XXXX. Therefore, I demanded an immediate refund of the total amount unlawfully deducted from my account by Healthcare Finance Direct, amounting to {$2600.00}, to be processed by XXXX. 

Additionally, despite thorough tracking efforts and a tracking number provided, neither USPS nor XXXX databases yielded any information regarding the package purportedly sent by XXXX XXXX 

Furthermore, I requested Healthcare Finance Direct to promptly receive a copy of the XXXX XXXX agreement containing the alleged approval of these charges.
Product: Debt collection

I got a debt collection hit on my credit report on XX/XX/22 for {$330.00}. Original creditor is XXXX XXXX. I try calling Credit Management LP about the collection and was told they couldn't help me dispute the collection since Minnesota is one the state they can't help. Issue is I don't have an account with XXXX XXXX. Never did. I never receive any mail, phone calls or email about it
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, I have tried time and time again to have a " Consumer Dispute '' removed from my Experian credit bureau. I have submitted my official documents signed by a doctor from the VA way back in the XXXX of 2009. All of my documents were sent via registered mail return receipt. The following is my current information : XXXX XXXX XXXX XXXX - XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX CONSUMER REPORT XXXX IS NOT CORRECT AND THEY STOPPED ME FROM OPENING A BANK ACCOUNT.
Product: Credit card

I have received a credit card online from XXXX that I can not use it on it 's website, and had no way to cancel the card. The phone number on the back of the card does not reach a credit card company, it got to a company that sells cosmetic products. XXXX. And no matter how I tried I can not reach a person in the credit card company to cancel it.
Product: Credit reporting or other personal consumer reports

Greetings, I am writing to bring to your attention a serious issue that has arisen with my credit accounts and credit report. 

Over a month ago, I received a letter from XXXX XXXX  XXXX stating that one of my credit cards would be closed and the credit limit on another card would be lowered due to alleged delinquency on my credit score. I want to emphasize that I have never missed a payment on any type of loan or credit card. 

To investigate, I checked my credit score through a free credit report service and noticed an unfamiliar loan under the name of Uplift , Inc. for the amount of {$2100.00}. Upon contacting the number listed on my credit report, I was informed that this loan was taken out in XXXX and was meant for travel expenses. I explained to the representative that I had never taken a loan from XXXX XXXX XXXX and was unaware of this type of loan. They suggested I file a dispute. 

When I provided my information, they could not find any record under my name or with my phone number or other phone number previously owned, including my wife, and advised me to contact the credit reporting agency. I subsequently filed a dispute with XXXX. However, after a month, XXXX responded that the information was accurate and the loan belonged to me, which is not true. 

I called XXXX. again to file a second claim and explained the situation. They requested proof, but I am unable to provide proof for a loan I never applied for or received. I have no documentation from this company as I never requested a loan from them. 

This situation is severely affecting my credit score, and I am unsure how to proceed. The loan company claims they can not find my information in their system, and XXXX insists on proof of a loan I never took out. 

I urgently need assistance to resolve this issue. Please take the necessary steps to investigate and rectify these discrepancies. This matter is causing significant stress and impacting my financial standing. 

Thank you for your prompt attention to this urgent matter. I look forward to your swift response.
Product: Credit reporting or other personal consumer reports

I am filing to formally lodge a complaint against XXXX  regarding an erroneous account on my credit report. This complaint is made due to violations of my rights under the Fair Credit Reporting Act ( FCRA ). I have discovered that the above-mentioned account is being reported inaccurately on my credit reports from the major credit reporting agencies. This incorrect reporting has negatively impacted my credit score and caused me significant distress.
Product: Debt collection

On XX/XX/XXXX, I received a call claiming I owed {$200.00} for a gym membership debt with XXXX XXXX in XXXX IL with an account number of XXXX. I live in XXXX Washington and have never had a gym membership with XXXX XXXX or ever been to XXXX, IL. On XX/XX/XXXX, I received a letter/bill demanding payment from First Credit Services in XXXX, IL. I called their number to let them know that I've never had this account. Their representative claimed the account was opened in XX/XX/XXXX. I XXXX  XXXX XXXX XXXX Illinois during the call, and that search revealed that the company went out of business in XX/XX/XXXX, more than 2 years before my supposed contract date. I believe I am a victim of either identity theft or the target of a scam by the collection agency.
Product: Checking or savings account

My complaint is with Wells Fargo Bank because I feel they are not doing enough about my fraud claim. On XX/XX/XXXX, someone hacked into my on-line account and stole {$700.00}. the money was XXXX to XXXX XXXX. I have no idea who is this person, XXXX XXXX. There is a reference number. I notified the bank immediately. They told me it would take 10 days to complete the investigation. I called Wells Fargo today only to find out they had closed the account and stated that I had authorized this person to take my money. They started another investigation which will take another 10 days.
Product: Bank account or service

This complaint is in regards to the Wells Fargo branch at XXXX XXXX XXXX in XXXX California. It alleges bad faith on the part of the banker who serviced me and his supervisors or manager and the Wells Fargo dispute department. It also alleges discrimination in violation of the equal credit opportunity act and extremely unprofessional conduct by that branch and possible age and racial discrimination. 

On XXXX XXXX 2016 I went to get {$750.00} out for rent. I told the banker to place XXXX hundred dollar bills in an envelope. When I got home, I learned the bank teller had shorted me XXXX dollars yet lied and wrote down he gave me XXXX he only gave XXXX. I filed a dispute. The bank did nothing but believe the corrupt and prejudice banker. I believe this is age discrimination because I 'm a XXXX and XXXX discrimination because this bank only hires XXXX and XXXX to work and the the bank and a majority of customers appear XXXX or XXXX, this complaint accuses the banker of shorting XXXX dollars out of malice and falsifying the account record to claim he gave the proper amount. The banker is prejudice he would never have treated a XXXX or XXXX and or young person this way, it seems dare a person not XXXX or XXXX use the branch at XXXX XXXX XXXX in XXXX, they are treated like a second class citizen, maybe even stold from, that branch operates more like a criminal organization than a bank branch and the Wells Fargo dispute has not resolved anything, they just try to cover up. They have cameras and should have seen his misconduct. He shorted me a XXXX dollar bill yet lied! This cost me XXXX dollars of money I needed. I have been a customer for more than 20 years but this bank hit me when I was down, they hire XXXX bankers at the XXXX XXXX XXXX branch, this is the first time I had problems here, I had previously ordered a bank card here and the order was never processed, I had to call customer service to get a bank card because the banker was prejudice and never ordered a replacement card at this bank. I would recommend customers who are XXXX and not XXXX or XXXX stay away from the XXXX XXXX XXXX branch in XXXX. Because the bank teller lied stole money from me and they sided with him I will probably have to take this to small claims court. This is the worst banking experience I ever had, wells Fargo let XXXX immigrants take over this branch. I hope they plan to give some XXXX 's jobs and fast food jobs to robots, well I suggest bank tellers be replaced by robot bank tellers because robot tellers would not act XXXX, show racial preference or act unprofessional and short the customer money and blame the customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

the Accounts listed below do not belong to me but keep appearing to my file after several attempts in having them remove by the credit bureau which is in violation of my Federally Protected Consumers Rights to privacy and Confidentiality under 15 USC 1681 - XXXX XXXX, XXXX. XXXX XXXX - XXXX XXXX XXXX {$1.00}, XXXX
Product: Debt collection

I am filing this complaint because CLIENT SERVICES has repeatedly contacted me, claiming I owe a debt that I do not recognize and for which I have no contractual obligation. I have no relationship with this company, nor have I authorized the sharing of my personal information with them. Despite my lack of consent and the absence of any valid contract, they have continued to send misleading and unauthorized communications, causing undue stress. Accounts have also been named in ID Theft Report. I request that all collection activities and communications cease immediately, as these actions violate the Fair Debt Collection Practices Act ( FDCPA )