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

I have been with Discover Bank since 2016. 

In 4 months time, I have had 3 unauthorized charges in my savings account. My credit cards have also been compromised. Most recently, I had a charge of XXXX I did not make. I insisted Discover change the account number as this had happened more than once. I assumed this was the end of it, but Discover reversed the credit without explanation. 

During the initial call to Discover, I learned that someone had made the XXXX XXXXransfer from the account using a name similar to mine, but with a different initial. I believe XXXX XXXX? I did not note it down at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

INFORMATIVE Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit reporting or other personal consumer reports

I have recently discovered that my identity has been compromised, leading to these fraudulent accounts being opened without my knowledge or consent. I have taken the necessary steps to report the identity theft to the relevant authorities, and I am providing you with a copy of the FTC identity theft report for your records. I have also mailed a copy to Experian. I request that you investigate the following accounts and take appropriate action to remove them from my credit report, as they are the result of true identity fraud. 

I would like to bring to your attention that my information was sold and bought illegally because I was a victim of the XXXX data breach, which has heightened my concerns about the security of my personal information. In light of this, I request that you investigate the following additional accounts and take appropriate action to remove them from my credit report, as they are the result of true identity fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the XXXX XXXX XXXX  act XXXX  XXXX  my rights 15 US C 1681 section 802 A. States I have the right lo privacy.

15 US. C 1881 Section 804 A Section 2 : 2 also states a consumer reportng agone ) can not fumish a account witout my writen instructions 1. XXXX XXXX XXXX XXXX  Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit Card 2. XXXX XXXX XXXX  Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit Card 3. XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Auto Financing Companies 4. XXXX XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan 5. XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card 6. XXXX XXXX  XXXX  XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card 7. XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card 8. XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card 9. XXXX XXXX Business type Mortgage Companies 10. XXXX XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan 11. XXXX  XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan 12. XXXX Personal Loan Companies 13. XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Automobile Dealers, Used
Product: Credit reporting or other personal consumer reports

I never applied or authorized any inquiries listed below. These are all fraudulent and a case of identity theft. Pleased delete all the inquiries listed below Under 15 USC 1681c2. Block of information resulting from identity theft XXXX XXXX XX/XX/XXXXXXXX XXXX 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 XXXX XXXX XXXX XXXX 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: Mortgage

I filed complaints with the Consumer Financial Protection Bureau about Wells Fargo Bank and their Home Mortgages. Wells Fargo Bank and their Home Mortgages lie about everything and anything. I am including in this complaint my property tax bill and what Wells Fargo Bank claims is my property taxes the difference is {$1400.00}. Someone at Wells Fargo Bank, Home Mortgage is putting this money in their own pockets. They are no doubt lining their pockets with others money too. Wells Fargo Bank, Home Mortgage representatives went to the county tax office and tried to get the tax changed unsuccessfully. Wells Fargo Bank and Home Mortgage will cover up anything until the indictments. Wells Fargo Bank employees launder money for drug cartels. Wells Fargo Bank employees in XXXX, TX gave my mortgage loan account number to known convicted Mortgage Fraud criminals and now is attempting to deny that too. Wells Fargo Bank is going to court about this scandal of their mishandling of property taxes here in Texas. I am not late on any payments. Wells Fargo Bank, Home Mortgage hires criminals, Wells Fargo Bank, Home Mortgage hires the inept and incompetent. That's why they continue to deny the facts in this matter and continue to withhold my deed from me. This mortgage loan is paid in full. Wells Fargo Bank, Home Mortgage needs to act in accordance with the laws. 2 mortgage payments were stolen from Wells Fargo Bank 's electronic site due to the lack of security. Wells Fargo Bank, Home mortgage has mishandled this loan. Wells Fargo Bank is refusing to follow the terms and conditions of the loan I received from XXXX XXXX and continues to misapply my money. They have the application of payments wrong again and not with the terms of the agreement I signed. Wells Fargo Bank forgets I have the original copies of the mortgage loan. Wells Fargo Bank forgets that I have gone to a US Senator from Texas. Wells Fargo Bank refuses to acknowledge that they are under investigation from the SEC for mishandling property taxes here in Texas. Wells Fargo Bank must produce my deed and turn it over to me as this loan is paid in full. I will not be a part of a criminal cover-up.
Product: Mortgage

I have owned the home for about a year now. When I bought the house there were no exemptions on the taxes. My mortgage payment is usually ~ {$1400.00} a month. In XXXX I was approved for my tax exemptions, XXXX veteran and homestead exemptions. I expected my mortgage to go down after sending the approval letter to AmeriHome Mortgage Co. ( My mortgage company ). The first letter I send just showed that I was approved for the exemptions and to my surprise, the mortgage company didn't know how to apply them to my account, so they closed out the request and never notified me of the resolution. However, I was never told they needed a breakdown of the estimated taxes for 2021. Long story short I finally figured that out. So I contacted the XXXX County tax assessment office and got an official breakdown of my exemptions for 2021. The award letter and the tax estimate breakdown documents are attached. 

I was told that the escrow analysis would take about a week. Two weeks went by and still nothing. I was concerned because my mortgage payment was coming due on XX/XX/XXXX. I was then told that my mortgage payment wouldn't be considered late and that my credit wouldn't take a hit until the XX/XX/XXXX. So I called nearly everyday and sat on the phone for countless hours. I was told my analysis would be complete on the XXXX. I was also supposed to be contacted by a manager. None of these ever happened. My mortgage is now ~ {$1700.00} a month. I was also told that they can't do an escrow analysis based off of tax estimates?? That makes no sense, as escrow is an estimation until the taxes come out for the year in XXXX ... 

Basically AmeriHome is very incompetent of servicing my mortgage. I have tried to explain the urgency of my situation and it falls on deaf ears.. ( see attached. ) Also I have been hung up on several times when asking for a manager. I'm told I'm being transferred and then click, they hang up.. 

As of today ( XX/XX/XXXX ) I have a payment scheduled for {$1700.00}. Now I am concerned my credit will show a late mortgage payment, destroying my perfect payment streak on all my bills. I don't believe this is my fault and I would like this not to show on my credit that I have worked so hard for. 

I simply want an escrow analysis. I will eventually refinance when I can and get out from underneath this company. Also, I would like to add I am never contacted about anything I request. It's like I'm being ignored.. 

In addition, I am obviously not the only one having these issues.

P.s. They respond to me with wrong Loan Number as well ... .. Please let me know if anything else id needed to help paint the picture of my complaint. They were also at one point saying I had an escrow shortage .... See attached. 

Thank you. 

See their reviews here : https : XXXX ( Please see attached for all documentation and evidence. )
Product: Credit card

On XXXX XXXX I contacted Citibank in regards to discovering my credit limit was drastically decreased after checking my credit. I spoke with several departments and supervisors asking why it was drastically decreased explaining that payments were never late and credit card was paid off early and there is continued use. They refused to tell me why or allow me to dispute this also refused to reinstate my original credit limit.
Product: Payday loan, title loan, or personal loan

We bought an above ground pool for a merchant who used Greensky Finanacial. The pool has never worked, and my husband and I have replaced every system in the pool except the shell. We have had to replace the filter system, 2 liners... etc. I have contacted Greensky because we want to stop payment on the loan. We are basically paying for 2 pools, and we have only used the pool for XXXX a summer since we got it in 2020. I called to make a compliant at least 5 times with Greensky to help with a resolution. I have only been called back by a so-called specialist once. They are useless and I am pretty sure they are doing nothing to help. It was a {$15000.00} and we have a balance of {$7000.00}. We would like to stop payment on a lemon of a product. Please let consumers know how terrible Greensky is and to not ever use them.
Product: Debt collection

I am filing a formal complaint againsXXXX XXXX XXXX XXXX regarding their misleading settlement practices and refusal to delete a charge-off from my credit report. In XX/XX/year>2024, my credit card account with XXXX XXXX was closed, and I recently agreed to settle the remaining balance under the belief that the charge-off would be deleted from my credit report. However, after making the payment, I was informed that a pay-for-delete was not an optiondespite this being implied before I agreed to settle. Additionally, I was never provided a written settlement agreement before payment, despite requesting XXXX. I was told that I could review the agreement XXXX  days after the payment was made, which prevented me from making an informed decision before committing to the payment. Had I been given accurate information up front, I would have reconsidered settling in this manner, as this charge-off is now harming my credit more than helping it. XXXX XXXX failure to disclose critical settlement terms before payment, coupled with their refusal to remove the charge-off, raises serious concerns regarding unfair and deceptive practices, lack of transparency, and potential violations of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). I am formally requesting that the charge-off be deleted from my credit report as a resolution to this issue. If XXXX XXXX refuses to comply, I request that the CFPB investigate their settlement practices to determine whether they engaged in misleading or unfair business practices that misrepresent the impact of settlements on consumers credit reports. I appreciate your time in reviewing this matter and look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). This caused me some distress and might affect my futures credit transaction and so, I want this to be taken care of.
Product: Debt collection

I have a few debt collection companies that keep coming after me and harassing me for medical debt that I am currently exempt from being that I am a college student and qualify for the cares Act and have already received funds through my college because of my financial need. These companies are absolutely ruining my credit and threatening me.
Product: Student loan

I contacted FedLoan Services after hearing a commercial on the radio. The company offered to consolidate my loans and lower my monthly payment. However, I had to pay them {$800.00} up front and an additional $ XXXX per month for their service fees. I paid them {$99.00} every two weeks until the amount was paid in full. Now, I pay them $ XXXX per month for their services in addition to my monthly payment goes towards my student loans. My first payments started on XXXX XXXX, 2015. 

I found out that charging a fee for the services was illegal when I called your agency in regards to something else. If this is the case, I would like my money to be refunded to me. I 'm also wondering if they are allowed to collect the $ XXXX monthly fee as well.
Product: Debt collection

Creditors Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) On their first collection notice, they are required to allow dispute of the debt, but the listed dispute website is non-functional. 
2 ) They indicate as required that the debt can be disputed by calling them, but there is no specific number to call to make the dispute. Their general number only allows automatic payments, no dispute process.

3 ) The Mail-in form does not have place to indicate why the debt is in dispute.

4 ) The Company is attempting to collect medical debt where the provider has yet to correct the original procedure code error that would discharge fee/bill to {$0.00}.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT I CHECKED MY CREDIT REPORT, THERE ARE NUMEROUS FRAUDULENT ACCOUNTS, INQUIRIES, AND ADDRESSES CREATED BY AN UNKNOWN PERSON USING MY IDENTITY, WITHOUT MY AUTHORIZATION OR KNOWLEDGE. MY WALLET CONTAINING MY, IDENTIFICATION CARDS, MY DRIVER LICENSE, AND MY SS CARD WERE STOLEN ON XX/XX/XXXX XXXX XXXX  AT MY HOME DURING MY SON 'S BIRTHDAY PARTY AND HAS NEVER BEEN RETURNED. THESE TRANSACTIONS ARE THE RESULT OF IDENTITY THEFT, AND ARE UNRELATED TO ANY TRANSACTIONS MADE BY MYSELF. I AM NOT ERRONEOUSLY REQUESTING A BLOCK, NOR HAVE I ACQUIRED GOODS, SERVICES OR MONEY AS A RESULT OF THE TRANSACTIONS IDENTIFIED IN THIS IDENTITY THEFT REPORT. 

EXPERIAN FRAUDULENT ACCOUNTS RESULTING FROM IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$22000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$100.00} XXXX  XXXX XXXX XX/XX/XXXX {$7500.00} REMOVE ADDRESSES RESULTING FROM IDENTITY THEFT XXXX XXXX XXXX G XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX FRAUDULENT ACCOUNTS RESULTING FROM IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$22000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$100.00} XXXX  XXXX XXXX XX/XX/XXXX {$7500.00} REMOVE ADDRESSES RESULTING FROM IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX FRAUDULENT ACCOUNTS RESULTING FROM IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$22000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$100.00} XXXX  XXXX XXXX XX/XX/XXXX {$7500.00} REMOVE ADDRESSES RESULTING FROM IDENTITY THEFT XXXX XXXX XXXX G XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Account owner : Individual account Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date reported : XX/XX/ Date assigned : XX/XX/XXXX  Account status : OPEN Amount : {$320.00} Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


TransUnion Name : XXXX, XXXX, XXXX EMPLOYER : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX AZ XXXXXXXX XXXX XXXX XXXX XXXX AZ XXXXXXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXXXX/XX/XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX EMPLOYER : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ADDRESS : XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Collections : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I switched local credit unions at the beginning of 2020. Because of this, the automatic payments I had setup were coming out of a different account. Before I could switch them, the payment I was behind on was reported to my credit bureau as a " late payment ''. The SAME week the " late payment '' was reported to the credit bureau, ALL student loans payments were deferred by the U.S. Government due to the COVID-19 pandemic. 

Because of this, I have NO late payments in my federal student loan account. On top of this, I NEVER received a physical letter, digital letter/notification in my XXXX  inbox or any notification about a late payment in my email or phone call! I have screenshots and records of never receiving a notification from them and 0 voicemails.

My biggest concern is the reported late payment when all student loans have been deferred and relieved due to the COVID-19 pandemic the SAME WEEK this was reported. 

This does not impact my credit worthiness or ability to repay my debts but XXXX records say otherwise. I would really appreciate someone looking into this and helping me fix my credit report.
Product: Debt collection

I agreed to work with FMS Investment Corp. ( FMS ) XXXX XXXX XXXX XXXX XXXX, IL XXXX to rehabilitate my school loans. However, there have been calls made to my place of employment as an " emergency '' and the notes are being delivered to my classroom during my instructional school day.Also, not only do I receive excessive calls throughout the school day, they also call my husband 's phone excessively. 

The calls are daily and begin at XXXX on XXXX phones and do not stop until XXXX
Product: Credit reporting or other personal consumer reports

I spoke to an agent, then contacted XXXX about reporting. 
Was delete on XXXX however XXXX and XXXX XXXX stated they were never notified.
Product: Credit reporting, credit repair services, or other personal consumer reports

First and foremost I am the original creditor 15 USC 1692 ( XXXX ). I am the originator and the consumer. 
Secondly, XXXX mailed me a signed consumer contract, which is not sufficient evidence of a debt. All that means is a credit transaction took place. 
According to case law, Pacific F.C.U v Kaunaone, The term " debt '' is defined in 15 USC 1692 ( 5 ). A " debt collector '' is defined in 15 USC 1692 ( 6 ). 

My rights as a consumer have been violated. According to " Permissible Purposes Of Consumer Report '' 15 USC 1681b ( a ) ( c ) ( 2 ) I never gave any credit bureau written consent to report multiple accounts # XXXX on my credit report. The fact you have a consumer report for me is a violation see Exhibit A attached of my consumer Report. 

I am demanding that XXXX XXXX produce proof of a WRITTEN note from me, the consumer, giving them consent. If they can not then this is a violation of 15USC 1681q and 15 USC 1681a ( 3 ). 

What I am demanding right now is that you guys delete the multiple XXXX Accounts # XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.