23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I was originally told in XXXX of 2018 that my annual percentage rate would be 17 % over five years. This has been completely changed by the company without my consent or knowledge and I am now being told that my annual percentage rate is 18.39 % over seven years. After reaching out to BHG with my concerns, I was totally ignored and my problems were treated as insignificant. BHG is an unorganized, unprofessional, and unkind company to get a loan from.
Product: Credit reporting 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 Name : XXXX Account Number:XXXX  Account Name : XXXX/XXXX  Account NumberXXXX Account Name : XXXX/XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report XXXX separate fraudulent accounts appearing on consumer XXXX credit report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account XXXX XXXX XXXXXX/XX/XXXX in the amount of {$720.00}, XXXX XXXX XXXXXX/XX/XXXX in the amount of {$530.00}XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX in the amount {$1600.00}, XXXX XXXX XX/XX/XXXX in the amount of {$430.00}. XXXX XX/XX/XXXX in the amount of {$720.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX I was flagged on XXXX XXXX that I tried opening an XXXX card through XXXX. I had not done this. So I immediately called XXXX and explained the situation. They said it was denied and they would send it to their fraud department. My next error was thinking that maybe someone transposed a couple numbers and I shrugged it off. After all they said they would send it to their fraud Dept. On XX/XX/XXXX the same thing happened. So I again immediately called XXXX. They told me the same things as the first time. I said why is the first hard inquiry still on my credit. I was told it could take 90 days for it to be removed and they had sent the first request to the credit bureaus. So my next step was contacting XXXX. They told me that it does not take 90 days, that it would only take 5 or 6 days once the request was received, however they had never gotten a request. Now at this point I was steaming. The gentleman at XXXX told me to call back XXXX and ask them to send me a letter requesting it be removed. He gave me a fax where I could send it to have the hard inquiries removed. I called XXXX and demanded they send the letter to me. After some hemming and hawing the woman agreed. Said I would get it within 7 days. What I got was " NOT '' the request to remove it. So I again called XXXX and told them I wanted the letter that they said they would normally send to the credit bureaus sent to me. She did n't want to do this, so I got very abrupt and told her I demanded they do this because it was bringing my credit scores down. She finally agreed and said I would get it within 7 days. It 's now been two and a half weeks and no letter has come. I am so angry because my XXXX  score just went down again because now the second hard inquiry is there. Please someone help me with this. I have put a freeze on all three credit bureaus but I should not have to deal with this nonsense. XXXX is in no way concerned about this and it 's fraud.
Product: Money transfer, virtual currency, or money service

I am filing a complain against Cash App ( XXXX. ) ( XXXX XXXX XXXX XXXX ( XXXX ) customer service and unfair practices, which violate the XXXX XXXX XXXX XXXX ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution proces a O : XXXX Was XXXX  and deceptive, as they Oit not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

I applied for the SAVE repayment plan on XX/XX/2023 via Nelnet. I did not hear back from Nelnet, so I called on XX/XX/2023, and spoke with XXXX. He said he wasn't sure why my application wasn't available and had me resubmit a verbal application on the phone, waived the {$5.00} IBR exit fee, brought my account to current, and I uploaded my proof of income 1099 form. 
XX/XX/2023, I was emailed 3 letters ; first email was my application was unable to be processed, second email was additional information was needed for my application, third email was a one-time payment needed to exit IBR plan . XX/XX/2023, I called and spoke with XXXX who could not see why it was denied. I was transferred to Support Specialist XXXX who also could not see why it was denied. She then had me re-submit another verbal application, I paid the {$5.00} exit fee, and she guaranteed that there should be no reason I would be denied and repeatedly assured me I did not need to upload any more documents. She placed my application on express and said that I should be approved within 2 weeks. I asked for a written letter of what we had spoken about and what she said was going to happen but she said she could not do anything like that for me. 
XX/XX/XXXX I received an email saying my application review was in progress. XX/XX/XXXX I received an email that a forbearance had been applied to my account. XX/XX/XXXX, I received an email saying I had a new statement available, which was still for the Standard Repayment Plan. XX/XX/XXXX, I received an email that my application review was in progress. XX/XX/XXXX I received an email that my application review was in progress. 
XX/XX/XXXX I received an email saying my application was incomplete and needed more information. I called on XX/XX/XXXX, spoke with XXXX who said my application had been marked Abandoned. I was transferred to Support Specialist XXXX who told me I had multiple applications open, some marked Abandoned and one was pending. He told me that the system had not seen the {$5.00} payment I made to exit the IBR plan and that the system would transfer me over to the SAVE plan once I was billed for the exit fee. He advised that when the next billing statement is sent out ( XX/XX/XXXX ), that it will be for {$5.00}, once I pay that, then the system can move my application through and I will be on the SAVE plan. He confirmed that I do not need to anything additional, just to wait for the new statement, pay the {$5.00} exit fee, and then my account will be switched over to the SAVE plan. I asked that the interest that has been compounded during this period of Nelnet 's incompetence be taken from my account and he said that the government has not set a limitation on processing time so that could not be done. I was then hung up on.
Product: Checking or savings account

I have 3 separate savings accounts that are custodial accounts from when my children were small. Two of them are XXXX XXXX   and one is XXXX  XXXX XXXX. They still have funds in them and now that my children are older I would like to give them their savings. These accounts were setup when they were young. I researched through the internet who now took over these banks and found that Bank of America had them. On XX/XX/19 I contacted Bank of America at XXXX. The customer service representative stated that they had no record of the accounts and I was to contact Unclaimed Property at unclaimed.org which I did. It lead me to the Connecticut Unclaimed Property site. The information for these accounts and our last name resulted in no match. I contacted Unclaimed Property by phone and they stated I needed to send a copy along with a letter to Unclaimed Property Research so that they can see if they can locate the funds. I received a letter back that they had no unclaimed property under those names. I contacted the Banking Commission at XXXX and they were able to verify for me that the FDIC site did show that Bank of America either purchased or merged these two banks. I did call back Bank of America and tried to speak with someone else but they sent me back to Unclaimed Property again. I am writing today because there is approximately {$5000.00} in these accounts and I would like to gain access to turn my children 's savings over to them. I am attaching my information about the accounts as well as the letter from Unclaimed Property. I reached out to Bank of America. Supposedly they investigated it and stated that they do not have the money in the accounts. I gave them all social security numbers for them to verify. They did not notify us when they took over the banks in reference nor did they turn the funds over to unclaimed property. These accounts have funds in them and Bank of America has them. If they had turned them over to Unclaimed property I would be able to see the funds. I would like access to these accounts and funds. Is this how the banks make their money by holding onto old accounts and not releasing them? I have tried working amicably with Bank of America but this is a little ridiculous that they are allowed to close a case without turning the funds over to unclaimed property so the the correct property owners can claim it. 
thank you
Product: Checking or savings account

I've been a victim of an internet scam through Wells Fargo online ATM ACCESS APP. On XX/XX/2019 three fraudulent ATM check deposit totaling {$800.00} was made to my account at a Wells Fargo XXXX GA branch location. 
These items was later returned and charged back to my account causing his account to go negative {$400.00}. 

However, I strongly believe that the loss/fraud could have been prevented had Wells Fargo Bank not choose to approved an EFT debit against uncollected funds.

The fact that Well Fargo placed the an extended hold through XX/XX/2019, on all three of the deposits in question, is evident that Wells Fargo was aware that the account may have been compromised or a victim of fraud.

There were numerous red flags that the account was clearly a victim of potential fraud.

( 1 ) The transactions was out of my normal account activities, ( 2 ) The  deposits was made at an XXXX GA branch location ... my account is base in California. 
( 3 ) The balance in the account at the time of the deposits.

( 4 ) The transaction type & amount.

( 5 ) No payee name on the checks.

( 6 ) I didnt signed the checks.

An extended hold is placed on an account for one reason and one reason only and that is to prevent possible fraud/loss. Had Wells Fargo complied with the extended hold as stated in the notice that was mailed to me, the EFT debit on XX/XX/XXXX should have never been approved. As my financial institution Well Fargo has failed to safeguard my account after being made aware of possible fraudulent activities being conducted out of state and has allowed my account be to further victimized. WFB also failed to comply with their own extended hold policy by approving the ETF transaction to be paid against unavailable funds. 

The hold notice clearly states that the total deposit was unavailable for withdrawals until XX/XX/2019. Theres no mentioning to the fact that an amount less than the total deposit was being held. Therefore no transactions should have be process through the account. Furthermore I did not opt into any type of overdraft program or Reg. E overdraft. 

No another note, on XX/XX/XXXX @ XXXX a Rep from Wells Fargo call my from XXXX #, being very accusatory, yelling and very unprofessional after I repeatedly told her numerous time that I did not made those deposits. Wells Fargo owes me an apology.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax. Equifax told me I was involved in their XX/XX/XXXXdata breach. In the last year, I have applied for mortgages in De and NJ and only the Equifax credit report is locked. I called and I called Equifax and the mortgage broker did too and Equifax said they unlocked my credit yet they did not. Therefore, I spent 4 nights in a hotel to look at real estate in DE but I could not because my credit rating had to be unlocked prior according to covid laws, at that time. I should be paid for all the travel expenses I lost over Equifax 's negligence. 
I need my Equifax credit report made available to mortgage brokers, etc. 
I am demanding to sue Equifax 's over both age and XXXX discrimination and harassment of myself and my credit report which rendered me unable to view real estate in De in XX/XX/XXXXdue to covid laws not being met by me.
Product: Credit reporting or other personal consumer reports

Subject : Follow-Up Dispute on Collection Account Reporting and Unauthorized Inquiries Dear Equifax, XXXX am writing to follow up on my prior dispute regarding the collection account for Banner Bank XXXX XXXX XXXX by XXXX of XXXX XXXX XXXX XXXX would give you an account number, but it is asked out completely on the credit report so I can not verify the account number either. I will enclose a photo as proof, as well as unauthorized inquiries on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and verifiable credit report. The discrepancies and unauthorized activity on my report remain unresolved. 

Specifically : XXXX. The Date Assigned is listed as XX/XX/XXXX, while the Date of Last Payment is listed as XX/XX/XXXX. These dates are contradictory, as the account appears to have been assigned to collections XXXX years before a supposed payment. Furthermore, I have been homeless since XXXX was only a mailing address to receive my documents, making it impossible for me to have made any such payment. 
XXXX. Numerous hard inquiries, soft inquiries, and promotional inquiries appear on my credit report that were not authorized by me and are therefore in violation of XXXX XXXX. XXXX. Under the FCRA, consumer reporting agencies are only permitted to include inquiries that meet the permissible purposes outlined in the statute. These inquiries lack my consent or a legitimate purpose, as defined by XXXX XXXX. XXXX ( f ). 

I formally request the following actions in compliance with the FCRA : XXXX of the Inquiries and Account : Provide physical copies of all documentation showing that these inquiries and the collection account were authorized by me. This includes any evidence of my consent for the hard inquiries, soft inquiries, and promotional inquiries. 
Details of XXXX Process : Provide the name, position, and contact information of the individual or team responsible for verifying these items, along with a detailed explanation of the steps taken during the verification process. 
XXXX Correction or Deletion : If you can not provide verifiable proof that the inquiries and collection account are authorized and valid, I demand that they be immediately removed from my credit report as per XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ). 

Publishing and distributing unverified or unauthorized information on my credit report is damaging to my reputation and financial well-being. As such, I expect this matter to be addressed within 30 days of receipt of this letter, as required by the FCRA. Failure to comply with this request XXXX result in a formal complaint to the Consumer Financial Protection Bureau ( XXXX ) and legal action to enforce my rights under XXXX XXXX. XXXX and XXXX, which provide remedies for willful and negligent noncompliance. 

Thank you for addressing this matter promptly. Please provide me with an updated and corrected credit report reflecting the requested deletions. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NC XXXX XXXX XXXX XXXX
Product: Credit reporting 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 u.s.c. 1681. 
Account Name... XXXX XXXX XXXX ... .. Account # XXXX .... Account Name... XXXX XXXX .... Account # XXXX .... Account Name .... XXXX XXXX XXXX XXXX Account # XXXX .... Account Name ... XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX .... Account Name XXXX XXXX XXXX XXXX... Account # XXXX ... 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 an account without my written instructions...

15 u.s.c. 1681 C. ( 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. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate...
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There was a hard Inquiry on my Credit Report from Capital One and Fingerhut that I did not authorize. I am already a capital one member and have been for years. I do understand that soft pulls ay occur without affecting my credit to see if I am eligible for increases, etc.. However, this was a fraudulent hard inquiry. An attempt was made to open an account and that was not me. I would like this removed from my credit report immediately. I reported this to Capital One, and was told they will mark this as fraud. However I could not get documentation of this and I want this removed from my credit reports immediately. As of now, I have a freeze on all 3 credit companies. I have excellent credit and I want these accounts removed from my report.
Product: Debt collection

I am writing you to discuss a disreputable collection agency that has submitted incorrect collections information to XXXX, XXXX, and XXXX about an account that I had at a dentist 's office. 
I have disputed the information with the credit bureaus multiple times, but I keep getting a form letter telling me the information has been verified. 
In an attempt to deal with the collection agency directly, I wrote them on XXXX XXXX 2015 explaining that I dispute the amount owed and requested information proving that I owed the debt and that I agreed to assume the debt. 
The collection agency only provided me with an inaccurate statement which did not include payments made. The statement did not include why benefits were not paid by my insurance. It did not include steps they took to settle this debt with my insurance company. 
Their incorrect entry on my credit report has caused multiple issues. I have been denied credit. I have also been given less favorable terms due to this collection account. 
I am writing you in hopes that you may help with this matter.
Product: Credit reporting 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 or information that is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXXXXXX Inquiry : XX/XX/2023. 

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.