23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

A levy was put against my account for child support but barred the first XXXX dollars in the account from the levy. Wellsfargo took XXXX dollars out of the account that they say they are holding for me until the account reaches XXXX dollars then they will send me a check for the money. The levy does not give them the power to manage my money and not give me axcess to the funds not covered by the levy. The account also has XXXX dollars in it that they will not give me access to. They continue to take their fees from my account but I do n't have access
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   criminal trespassing XXXX XXXX XXXX XXXX attacking Homeowners Homeownership At XXXX XXXX XXXX. XXXX, Louisiana XXXX XXXX office of Public Affidavits And XXXX XXXX XXXX And Boarder protection Fraud Alerts Serving Federal Civil Rights Notice Lawsuit to XXXX XXXX, XXXX XXXX XXXX And XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Louisiana XXXX eviction notice verification of Family Administrators funding XXXX in the oaks of the XXXX XXXX XXXX and XXXX XXXX XXXX impacted XXXX XXXX XXXX And XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX Company 's Response We have confirmed that we are not responsible for the actions of XXXX XXXX XXXX XXXX and the XXXX XXXX Soft Mortgage program, therefore we can not respond to the issue regarding the advertising of XXXX XXXX in order to profit from the home ownership program. Chase was not involved in the application, processing, underwriting, or closing of your loan. The original lender was Chase XXXX XXXX XXXX and the loan originated on XX/XX/XXXX. On XX/XX/XXXX, we acquired the servicing of your loan in good faith, and we relied on the loan documents as proof that you understood and agreed to the terms presented. Also, we never serviced the loan for the address of XXXX XXXX XXXX, XXXX, LA XXXX, so we can not respond to the allegations of illegally being evicted. XXXX enclosed the following documents : Note Mortgage Good Faith Estimate Loan application HUD-1 Settlement Statement Truth-in-Lending Disclosure The servicing of your loan transferred to XXXX XXXX XXXX, on XX/XX/XXXX. Weve enclosed a reprinted version of the letter we sent to you on XX/XX/XXXX, to explain this. Your new servicer will answer any questions you have about the current status of the loan. You can contact the servicer at : Mail : XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : XXXX Weve carefully reviewed the history of your loan and we have confirmed that we were consistent with our lending guidelines. We didnt find any instances of unfair tactics or attempts to deceive you regarding your loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

My letter dated XXXX which was mailed to Equifax on XXXX. That letter was mailed to Equifax by XXXX MAIL XXXX XXXX XXXX XXXX XXXX. The letter was received by XXXX XXXX on XXXX. However, there is no record of my letter and new relevant documents in their XXXX System.
Product: Checking or savings account

I was furloughed back in XXXX and haven't really had a need to use my standard bank account at bank of the west due to unemployment benefits being on prepaid government card. I am just getting back to work next week and wanted to set up my direct deposit to find out they charged me {$270.00} in overdraft fees even though I don't have any transactions that put the account into the negative whatsoever to make those fees valid. When I called they said the account has been sent to collections and there's nothing they can do. I don't want this to affect me trying to purchase a home and a charged off bank account is as serious as it gets.
Product: Credit reporting

Hi, Accounts seem very old and odd. Do n't know if these accounts are mine. Ca n't reach any companies by these names : 1. XXXX # XXXX 2. XXXX # XXXX Thank you.
Product: Debt collection

I did not authorize this debt, nor did I benefit from. Please review the attached documentation and remove this debt from my credit report.
Product: Mortgage

For months, we have have tried to provide United Wholesale Mortgage ( UWM ) proof of insurance for XXXX, through our online account, by chat, by telephone, and by emails ( XX/XX/XXXX and XX/XX/XXXX ). None of these methods has yielded a response. Also, UWMs website says it cancels PMI automatically when the loan to value ( LTV ) ratio reaches 78 % and upon request when it reaches, I believe, 80 %. In the XX/XX/XXXX email, I requested the PMI be canceled, noting that the LTV ratio was below 30 %. The latest monthly payment was {$1400.00}, including {$470.00} for insurance and taxes. The principal balance is {$210000.00} and the property is worth at least {$700000.00}. UMW is still charging us for force placed insurance and PMI.
Product: Checking or savings account

I bank with Chase Bank. On XX/XX/XXXX I received a notification of {$280.00} being spent on XXXX with my debit card. I called in 12 minutes to dispute the charge. My debit card was canceled and the charge was credited back to my account. On XX/XX/XXXX I received a letter that they decided the charge was authorized so on XX/XX/XXXX they would take back out the {$280.00}. I called to dispute this. I was told by customer service they made this determination because the billing and shipping address from the order were both my address they have on file. When I queatio Ed how this could possibly be I asked for any onformation they had to show this as I did not make this purchase and never received anything from Wish.com and had no access to information i the purchase. The rep from Chase gave me a XXXX tracking number for the order. That tracking number showed the purchase was delivered to XXXX XXXX California. I live in XXXX Kentucky. I was then placed on hold for an hour and a half before going to a branch to talk to someone in person. The claims manager for the branch looked at all the information I had printed, which included the tracking information Chase have me, the email notification of the original charge, and a screen shot of my call log showing the time frame of getting the notification and reporting the fraudulent charge. The branch claims manager called it in faxed over the documents with my statement and stated to me that it was very clear I did not make this purchase. When I followed up the following Monday XX/XX/XXXX on the phone, a rep said they had my information and reopened the case. They were mailing me all the information they had from the purchase to claim I authorized the purchase. When I asked what would happen on the XXXX she stated that the money would be taken out and credited right back since the case was reopened. On the XXXX the money came out and was not credited back. I called and was told they wouldn't credit the money back until after the second review of the case. Now this morning, XX/XX/XXXX I received a letter saying they have closed the case finding the charge was authorized. I have never received accurate information from Chase, the branch claims manager could see clearly I did not make this purchase, and they are refusing to give me my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

After requesting my credit report.i notice accounts and inquiries that were not authorized by me and made by my ex wife.I did not not authorized you to pull my credit for the following XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I noticed that she never got a chance to use them and I do not want them open and wish for this to be closed and remove from my credit report as well as the inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 I am being hit with a hard inquiry from XXXX XXXX. 
This was fraud as I did not apply for another XXXX XXXX as I already have an account. 
I was told this inquiry would be removed and still hasn't since It was fraud of someone trying to open an account in my name. 
XXXX  and equaifix were also gon na remove it but still have yet to do so.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

My current and only address is XXXX XXXX XXXX XXXX XXXX, Arizona XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Checking or savings account

I purchased an item online from XXXX. My account got charged a price higher than the price I confirmed. When I reached out to the merchant, letting them know that I did not want the item anymore because it was higher than the price agreed upon, the merchant forged some documentation showing that the price that I paid for the item was indeed the price listed for the product. When I brought to light that their response wasnt true, the merchant escalated my complaint to a higher department to address the issue. Instead of addressing my issue, the higher department simply said that I wasnt eligible for a refund. Mind you, at this time the product had not even been shipped to me yet. Because this was fraud, I contacted my bank. 

When I contacted Citibank in XXXX to open a dispute, they told me that they were going investigate my claim. They eventually closed my claim saying that they didnt have enough information on my part to substantiate my claim. When I found out that my claim was closed, I immediately contacted Citibank and told them that if they needed more information, all they had to do was contact me. I then demanded that they reopen my case by filing an appeal. In the appeal I attached all the emails between the merchant and I, which clearly showed that they REFUSED to address the fact that the price I agreed upon for the item was different from the price that I was charged. 

I just found out that Citibank sided with the merchant again. When I asked why, they told me that the merchant simply told them I wasnt eligible for a refund. THIS HAS NOTHING TO DO WITH THE FRAUD THAT OCCURRED. I WAS TOLD AN ITEM WAS ONE PRICE BUT CHARGED A WAY HIGHER PRICE. I CONTACTED THE COMPANY BEFORE THE ITEM WAS SHIPPED TO ME. THE COMPANY DISREGARDED MY COMPLAINT AND SHIPPED THE ITEM ANYWAY. THEY ALSO NEVER ADDRESSED ME BEING CHARGED A HIGHER PRICE!!!! HOW CAN MY COMPLAINT OF FRAUD ON THE MERCHANTS END BE DENIED WITHOUT EVER ADDRESSING WHY I WAS CHARGED A HIGHER PRICE?
Product: Credit card or prepaid card

Today, XXXX XXXX, 2020 at XXXX PST I initiated a call to Best Buy / Citi Bank Credit Card XXXX XXXX XXXX to discuss my Best Buy charge card. I am in the middle of my first home purchase ever. Back in XXXX 2020 when COVID-19 lockdowns began I requested the COVID-19 Payment Deferral Request offered by Citi as a precaution. I ended up never needing the deferral plan and have made several payments since requesting it. When I called today, the first associate I spoke to told me there is no process in place to request removal of the deferral program. I requested escalation to a supervisor, who then escalated me to XXXX from the Executive Department. XXXX 's department has a separate phone line XXXX. XXXX confirmed Citi does not have the process in place to remove the deferral. I explained that the deferral plan is preventing me from being able to be approved for this first home purchase and reminded her that there was no verbal or written disclosure given in advance that the COVID-19 Payment Deferral Plan could prevent approval on other credit products. The absence of fair disclosure and the fact that a massive company does not have a simple procedure in place to protect consumers from negative credit reporting is why I am submitting this complaint. I am requesting direct follow up contact from the CFPB. I am reporting this in good faith. Not only should my request to remove the payment deferral plan be honored and confirmed in writing sent to me by email ( this need is extremely time sensitive ), Citi needs to establish this necessary procedure it is lacking to avoid further consumer escalations to the CFPB. I am asking Citi to remove the deferral so I can pay them interest sooner. Why they are disagreeing to this is up in the air to me. Due to the urgency of my request please contact me ASAP. I am in dire need of help getting this resolved. Thank you.
Product: Checking or savings account

Hello my name is XXXX XXXX I need my Claim number XXXX to be reopen because I have dispute with XXXX but I have lost the dispute because I have send it with friends and family not with goods and services and XXXX won't help me with it further they keeping telling to go to y'all and I have told them I did but I lost the dispute there too please reopen it or give me a credit for {$100.00} because I didn't get my order she scammed me and block me on social media on XXXX please reopen it XXXX wont reopen my dispute or give me a one time credit and they say to go yall again and again please reopen it or give me a XXXX time credit or send it to a supervisor etc. My name is XXXX XXXX XXXX and contact me at XXXX please also add this to my complaint XXXX CFPB : and my old account number is XXXX and my online banking username XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XXXX XXXX under the account number ( private ), an an Charge account opened at XXXX on XXXX XXXX under the account number ( private ), a personal auto loan account opened at XXXX XXXX XXXX on XXXX XXXX under the account number ( private ), and a secured loan account opened at a secured loan account opened at XXXX XXXX XXXX on XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency XXXX XXXX of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to
Product: Money transfer, virtual currency, or money service

XXXX called XXXX XX/XX/23 and spent near an hour going over access to my Alley Stock trading account page we changed my password and used several different log in accounts including Ally secure log in site none of them were successful in opening my account web page. I could as in the past log in as normal, however still would not bring up my account page display. XXXX was to do internal Alley IT work to reestablish my account and call me back. i have not received a response and my attempts to log in this morning are the same, still no access to my account. 

Would appreciate if you would ask XXXX to give me a call. This is a great disappointment in more than six weeks no access to my account. Reflects badly on Ally. 

Sincerely, On XX/XX/23 XXXX XXXX, Ally Invest wrote : XXXX XXXX Dear -- -- -, XXXX XXXX Thank you for contacting Ally Invest. 
XXXX XXXX I am sorry for the difficulties you are having with this. I can confirm that the case has been entered for you and is being researched. Unfortunately, we are not able to give a time frame for this as we would need to determine the cause before being able to apply a fix for it. In the meantime, if you have not already done so, please try opening the account in XXXX. The website is optimized for XXXX, so that may clear it up for you. 
> > Please feel free to contact us at any time with any questions or comments you might have regarding your account or our website. We can be reached via this email address, through the Live Chat links on our website, or by phone at XXXX. We are here for you XXXX. 
XXXX XXXX Sincerely, XXXX XXXX XXXX Client Services XXXX Ally Invest XXXX XXXX XXXX XXXX, XXXX, NC XXXX > ( XXXX ) XXXX
Product: Credit reporting

This account was charge off due to a divorce my ex- wife voluntary returned the car. They told her the Charge was 8k now it showing XXXX on my credit report. I want this item removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact Equifax multiple times with certified mailing regarding this matter. I have submitted documentation on why these accounts needed to be investigated and deleted from my consumer report. They have failed to removed these items even after they have mailed me a report stating the items would be deleted.
Product: Vehicle loan or lease

I purchase a XXXX XXXX 2015 Loan # XXXX From XXXX of XXXX NY from Toyota Motor credit corporation. Toyota was sued from discrimination against African Americans for sale high interest rates and misleading them into bad loans. This hurt my credit score for years i also paid thousands over the price that a normal loan would have paid I have a year and half before this loan is paid off.I feel that this loan ruined my scores for many years Im asking that Toyota Motors consider that my loan is paid in full because of the financial pain it cause me also I believe this was a hate crime and that they should send me a paid in full letter. This loan was done for greed!!!
Product: Credit reporting or other personal consumer reports

So i had called TransUnion XXXX XXXX multiple times from XXXX untill now 1. you have the wrong address on my credit report i never lived there.at XXXX XXXX  2. they told me this would be off my report with the XXXX XXXX XXXX paid them 3. you guys have alot of things wrong like XXXX we were doing a pay out with XXXX we called XXXX  with XXXX XXXX the phone they were requesting the transfer pins to switch our numbers over. Then XXXX gave our numbers away to people we dont know not the transfer pin. to XXXX XXXX like they should so there fore XXXX couldn't buy them out because they didnt get the transfer pin for the numbers and to pay XXXX we would of just paid the remainder were still with XXXX  i have too phones that i had bought from XXXX  however we went to the corporate store XXXX said they should take some responsibly they gave there numbers to conatct they didnt agree with coorprate so i called u guys now im filing a complaint i don't think we should have to pay over XXXX to XXXX doallers because we could be getting charge for other people that have our numbers. plus we could of bought it if XXXX had been reasonable. 
XXXX a division of XXXX XXXX was in the XXXX  i had paid all my perosnal line credit off i ask for them to clsoe my accoutn they never did i been using it ever since trying to pay them off. im trying to see if there a settlement i work with pay lesser amount. 
XXXX last but least if someone can work with me that be great i been trying to buy a house and car i need my information updated and my credit score up. im single mom i can only affrod so much im trying really hard to manage these things work with you guys and all i ask is to please take in consideration my situiti\oun please help if u can.
Product: Checking or savings account

In XX/XX/XXXX I filed my XXXX tax return with XXXX online who recommended that I open a money spend account with a company called Credit Karma both owned by into it. Against my better judgment I open the account because I was attempting to receive the refund advance loan which conveniently somehow did not go through but thats not the problem. The account was opened with XXXX in my name and my taxes were filed with my name as well as opening the account with Credit Karma and the linked account to Credit Karma my other personal checking account its also in my name all the same time all the same data birth all the same Social Security number address phone number etc. I received an email in the beginning of XX/XX/XXXX stating that my account was frozen they were sorry for the inconvenience and they would let me know what to do next. However their so-called fraud department only communicate via email not live chat not on the phone etc. I have talked to multiple people through their lab chat and called several times and talk to supervisors trying to get the situation handled. They requested copies of my identification which I sent and since then for the past two weeks I have got absolutely nothing but the exact same generic auto generated message that I sent to my email every time I try to contact him. In fact the last live chat agent that I tried to talk to you about this issue actually just ended the chat rather than trying to even answer my question or help me in any kind of way. Since all of this has gone down my tax refund has been deposited into this account and that money is sitting there that I need for me and my kids and they absolutely refuse to tell me anything about whats going on or why or what I can do to try to help it even though I have asked and requested any help and offered anything that I could possibly give to no avail. I have also file a complaint with the XXXX XXXX XXXX  online and I have not heard anything back from there. Im just really not sure what else to do at this point so if you can help that would be greatly appreciated.
Product: Debt collection

client is reporting a chage as collection paid with XXXX balance when the balance was paid for before it went to collection.