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

When purchasing XXXX XXXX from XXXX XXXX XXXX in XXXX, I applied for a loan from GoodLeap with 18 months of no interest from the date of the project completion. The total for the loan was {$14000.00}. After 18 months interest would be applied. The project was installed on XX/XX/XXXX, which would mean the interest would be applied after XX/XX/XXXX. Just before XX/XX/XXXX, I received a first bill from GoodLeap stating that I owe {$17000.00} ( the original principal plus {$3200.00} for 18 months of interest ). When I talked to them on the phone they said they were told by XXXX XXXX XXXX that the project was completed on XX/XX/XXXX so they released the funds on XX/XX/XXXX and that started the beginngin of 18 months no interest. When I called to tell them the project was installed on XX/XX/XXXX, they asked me to submit proof. 

In good faith I paid XXXX a total of {$14000.00} on XX/XX/XXXX after, on XX/XX/XXXX, they told me to call back to continue the dispute. 

I sent emails from XXXX XXXX XXXX showing the appointment time, the Certificate of Insurance sent to me by XXXX XXXX XXXX on XX/XX/XXXX allowing them to work in the building that day, and a picture of my apartment from XX/XX/XXXX with the XXXX not installed yet. XXXX XXXX from XXXX only responded on XX/XX/XXXX : " Currently, we are unable to process any changes to the loan. We attempted to reach out in XXXX and XXXX of last year to go over the loan terms, and a welcome letter was sent on XX/XX/XXXX which covered the loan terms. '' The interest on this loan was based on an incorrect Completion Date, which gave me less than XXXX months of no interest and resulted in my payment being considered after the no interest promotional period. I have a phone recording of a representative at GoodLeap telling me they do not release funds until a project is complete. XXXX XXXX XXXX lied about their installation date, which is currently costing me over {$3000.00} in interest. I'd like this to be nullified as I've already paid the principal.
Product: Bank account or service

Wells Fargo Bank enrolled my account into their rewards program ( {$50.00} annual fee ) without my permission or consent. Is n't this illegal?
Product: Credit reporting or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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, credit repair services, or other personal consumer reports

I have asked these companies to remove the fraud alert on my credit report. I have disputed many things that I dindt authorize or is not my account. Yet the reporting agencies wont help or remove yet post my file as a fraud alert. 

I have attached my texas drivers license.
Product: Mortgage

Nature of complaint : Select Portfio Servicing ( SPS XXXX is charging me {$330.00} in fees and {$56.00} in unpaid late fees. 

On XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) notified me that they were granting a repayment agreement to allow additional time to repay the past due amounts on my mortgage by making additional payments in addition to my regular monthly payments. The total past due was {$3300.00} and the amount became part of my new total monthly payment listed in the Repayment Agreement terms. Per XXXX XXXX XXXX, the amount included all past due payments of interest, principal, and escrow as well as any outstanding fees and costs including unbilled fees and costs. The Agreement would began XX/XX/XXXX and would continue through XX/XX/XXXX. The regular monthly payment of {$550.00} would increase to {$870.00}. The Terms of Agreement was 12 months and if all new total monthly payments were made on time I would resume the regular scheduled payments under the Note and Security Instrument. I signed and accepted the offer. 

On XX/XX/XXXX, XXXX XXXX XXXX notified me that my loan was being sold, assigned or transferred to XXXX XXXX XXXX ( ShellPoint Mortgage ). The XX/XX/XXXX payment went to XXXX XXXX XXXX and the remaining eleven ( 11 ) payments to XXXX. I completed the agreement on time however in XXXX I wrote XXXX four times addressing the fees and they failed to answer. XX/XX/XXXX XXXX transferred the loan to SPS Select Portfio Servicing and Im still trying to resolve the issue. SPS provided me with a payment history from XXXX  with transactions dates beginning XXXX thru XXXX ) and they were not my lender in XX/XX/XXXX thru XX/XX/XXXX. 

Currently, I am in default with my mortgage ( Im due for XX/XX/XXXX and XX/XX/XXXX after Social Security intercepted my benefits for an overpayment ).
Product: Checking or savings account

The undersigned complainant, and thousands of other depositors, are the victims of an ongoing fraud perpetrated by Banco Popular North America, an FDIC insured internet bank. 

I opened a savings account in XX/XX/2016 when Banco Popular offered/advertised an interest rate of 1.15 % apy which was competitve at the time. Some months later Banco raised its adverised rate to 1.30 % apy, then 1.40 % and now currently 1.50 % apy. 

Banco Popular misled it's depositors including me to believe we were earning the higher rate of interest on our savings. In fact, my account and those of many others continued to earn the original 1.15 %. Banco Popular advertises only the higher rate ( currently 1.50 % ). It never disclosed that it paid various rates on savings accounts or offered various savings accounts. Banco Popular never disclosed to this and other depositors that to earn the higher rates it would be necessary to open other accounts. Banco Popular made very subtle changes in its savings account products to mislead their depositors. My 'Popular Direct Savings ' was replaced by 'Popular Plus Savings ' and currently 'Popular Direct Exclusive Savings ' in a fraudulent scheme to cheat depositors of interest we were misled earned.
Product: Debt collection

I recently examined my credit report and found accounts that I believe were added unlawfully. I request these accounts be investigated and promptly removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account reporting to the credit bureau that is not mines and does not belong to me. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Product: Credit reporting or other personal consumer reports

XX/XX/year> a loan from the company was initiated. However, I did not give this company information nor request any loan from them. I received several notifications from my bank XXXX XXXX Trans Union and XXXX. I reached out to XXXX and Trans Union and they both requested that I contact consumer finance production bureau and or the FTC for fraud. I tried contacting the company with the information that was listed on the credit report however, the number says that it is not a working number or is inoperable. Overall, it should be removed immediately.
Product: Checking or savings account

I had gotten a job offer through my college email. The person had pretended to be a previous instructor at the college I go to. They had tricked me into sending money to them through XXXX. They had sent checks and told me to deposit them into my account and told me to send money through XXXX, which is built into my bank account. Then after sending the money they told me that I wound keep the amount of the money I sent to them from the checks. They sent me XXXX checks, I had submited the first XXXX. The first XXXX had been avaliable to me after XXXX days and the second check said it would take a week or so. I had sent the money for the first one, and was waiting for the second one to deposit, and then the first check had gotten reversed. By the time I had realized what had happened, the scammer had stopped responding to my messages and my account balance had dropped to the negatives. I had told my bank what happened and submitted a case. The amount of the case was XXXX, which should had restored my balance. The case had declied and I tried to contact my bank, but they wouldn't do anything for me. They had restricted my checking and saving account, I had called to restore them, and after they got restored, they had gotten restricted again, and my savings had ben closed. I had around XXXX XXXX dollars in my savings and my checking account was at XXXX making the balance XXXX, then my bank without telling me took the money in my savings and paid a little of the negative off. I had screenshots of the conversation with person and I had sent that to my bank to prove my case, but my bank did not respond and wont do anything.
Product: Vehicle loan or lease

I have an auto loan with Toyota. My monthly payment is XXXX. I have had this auto loan since XX/XX/XXXX and have mostly paid by the due date. There have been a few times that I have made some payments past the due date but I have never been 30 days late. The few times I have had to make the payment past the due date has been because I worked 3 jobs and do not always get enough hours during the month to pay the car payment immediately and have to wait until my next check to pay the full XXXX.Despite this, I always have paid every month and have never been 30 days late. Last XXXX, I didn't work at one of my jobs for two weeks because my employer didn't need me. I knew I would need to wait a few weeks to make this car payment so I called Toyota. I told them I would need until the end of the XXXX but didn't want to be 30 days late on the XXXX  payment. The representative helping me said that I would be ok until XX/XX/XXXX as XX/XX/XXXX was a holiday and wouldn't count as a day. I made the payment on XX/XX/XXXX.XXXX payment was marked 30 days late despite the information that the representative told me when I spoke to her over the phone.
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Late Payment Reporting To : XXXX XXXX Dear Sir/Madam, I am writing to formally dispute a late payment reported on my credit report for the account referenced below : - **Account Number : XXXX XXXX XXXX XXXXCredit Reporting Agencies : XXXX XXXX Experian, XXXX According to the Fair Credit Billing Act, specifically 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by section 1637 ( b ), is mailed or delivered to the consumer not later than 21 days before the payment due date. Furthermore, if an open-end consumer credit plan provides a grace period, the creditor can not impose additional finance charges unless the statement was mailed or delivered to the consumer at least 21 days before the payment due date. Upon reviewing my records, I believe there is an error regarding the reporting of a late payment for my unsecured loan account. I did not receive the statement within the required 21 days prior to the payment due date, which is a violation of the Fair Credit Billing Act. Given this information, I request that you : 1. Conduct a thorough investigation of my account and the billing statements. 2. Provide me with proof that the billing statements were mailed or delivered to me within the legally required timeframe. 3. If the required proof can not be provided, promptly correct the inaccurate information by removing the late payment from my credit reports. This late payment mark is having a significant negative impact on my credit score and overall creditworthiness. I trust that this matter can be resolved promptly and that the necessary corrections will be made to reflect my true credit history accurately. Please confirm receipt of this letter and inform me of the outcome of your investigation as soon as possible. You may contact me by mail, email, or phone using the information provided above. Email : XXXX Phone : XXXX Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Please help me submit my complaint to the XXXX credit agencies because they are reporting inaccuate items and not deleting all the negative accounts on my credit report.
Product: Checking or savings account

THIS BANK CLOSED MY ACCOUNT WITHOUT MY KNOWLEDGE AND CONSENT BECAUSE I DISPUTED AN INCORRECT TRANSACTION.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the fair credit reporting act XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

DEAR, TRANSUNION I WOKE UP XXXX, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. 
I THEN REALIZED. I HAVE BEEN A VICTIM OF DENTITY THEFT... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXXXXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX
Product: Credit card or prepaid card

Chase, at XXXX has put several agreements in place that they require account holders to acknowledge they have read and to which they have agreed, prior to obtaining access to account information ( e.g. charges made to my credit card ). XXXX agreement is XXXX pages long. The other agreement is XXXX pages long. Reading and understanding these agreements will take a significant portion of time. The " click to agree '' button definitively says " have read ''. I will not perjure myself in order to review my account. Requiring the reading and acceptance is abusive. I would think that a very, very small percentage of account holders will read the XXXX pages. This creates a customer relationship built on lies. I, of course, have the option to cancel my account, and will ; but, perhaps the CFPB could warn Chase that they have instituted a very poor policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX. As well as unauthorized hard inquiries that were reported as follows XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. 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
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action.

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible.

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Product: Money transfer, virtual currency, or money service

Hello, I have withdrawn XXXX XXXX  cryptocurrencies via XXXX XXXX on XX/XX/XXXX XXXX. I entered my wallet address incorrectly when I was going to withdraw to another exchange ( XXXX XXXX ). When I realized it, I contacted my exchange, but they said that they could not stop the transaction, the support line did not deal with the transaction in any way, they just said they were sorry and the transaction could not be withdrawn, they did not accept my loss in any way. Plase help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card account through XXXX XXXX XXXX that was closed in XXXX of XXXX. It was reported on my credit report that I was over 120 days past late in XXXX but my XXXX XXXX Checking Account Statements reflect that I made payments within these late time frames which should have brought the account back to current. The late payments that were reported to credit bureaus should have been removed. 

In XX/XX/XXXX, I initiated a dispute with Equifax to investigate the late payments and have them removed given I have records of payments to XXXX XXXX XXXX Equifax apparently did an " investigation '' and deemed that I was 90-119 Days Past Due in XX/XX/XXXX, 60-89 Days Past Due in XX/XX/XXXX, and 30-59 Days Past Due in XXXX of XXXX. This is not possible as I did not have the account in XXXX and it was paid in full when it was closed in XXXX. 

This incorrect information has dinged my credit score by XXXX points erroneously and is causing undue hardship on my life as I am trying to purchase a house and automobile. 

I called XXXX XXXX XXXX and spoke with an Account Manager who told me on a recorded line that there was no late payment history with me and that they last reported the account as Closed and Satisfied in XX/XX/XXXX. This completely contradicts what Equifax is reporting. The Account Manager told me that they would not have told Equifax the information that Equifax is reporting as it is not on their records.
Product: Credit reporting or other personal consumer reports

My personal bank is XXXX XXXX, I have been paying XXXX  for 2 years and my contract endds this XX/XX/2023 my last payment is XX/XX/2023- i have NEVER ever missed a single paymnt and my payments have always been on auto pay. In XXXX, my personal bank, XXXX XXXX  had a ACH problem, they could not process withdrawals, charges or deposits and the problem stille exists on my checking accounts but it is not just my accounts it is BANK WIDE meaning nation wide. There is nothing I DID WRONG. when XXXX  sent payment thru it was normal, and i was in hospital with XXXX  where i have no internet and no acess to phone as i was sick fighting for my life, needless to say t he bank was having this issue and the payment was sent back XXXX  when there was nothing wrong with my personal accountit was a a bank system issue, i called XXXX  and told them that and they told me they will not help me the paymentwas made on timme as i do every month i provided hte screen shot proving the issue and they still would not help me i asked for supervisor and they refused me supervisormy credit has NO BAD ACCOUNTS I HAVE VERY GOOD CREDIT and now its bad credit because XXXX  screwed up and wont fix this you cant punish me for a banks error and you cant punish me for not knowingyou were sending emails when i was in New York hopsital during a state of emergency in XXXX with XXXX in XXXX. I demand the negative report removed and immediately resolved as I paid it soon as i saw the issue when i came home and made sure to make good on it i demand this adjusted as it was NOT MY ERROR NOR FAULT. i will sue and go to social media and attorney generals office if not, as you can not punish a customer for a banking facilities issues, nor punish me for being almost dead and nothavin internet.
Product: Credit card or prepaid card

Unauthorized purchases totaling { {$30000.00} } we're made against my Bank of America XXXX XXXX, which is where my unemployment benefits from the state of California were posted. I filed a dispute request on XXXX of XXXX. On XXXX, Bank of America denied my request for provisional credit.stating the card will simply be reissued seen on my Cfpb account On XXXX  of XXXX, I requested my claim be reopened based on the class action lawsuit against Bank of America. This judgment clarified provisional credit must be granted and disputes must be reopened for claims made against this prepaid government benefits card. It has been over 90 days, and this dispute still has not been resolved. I have not received any edd payment or provisional credit. On XXXX I called the customer service line at XXXX XXXX processing, and spoke to a customer service representative, who advised me my claim had been escalated to an escalation team and that provisional credit was not required to be granted as I dont think actually happened as Bank of America made a decision within 10 days of me filing a dispute.There is nothing in the Code of Fedderal regulations that states provisional credit will not be granted if a decision and determination regarding the claim is made within 10 days. Bank of America has exceeded the 90 day time frame as specified in the CFR, denied my request for provisional credit, and did not complete their investigation in a timely manner. I am requesting provisional credit to be credited to my account immediately, and I want Bank of America to provide me a written explanation of their investigation findings, which was conducted in XXXX  of XXXX. There is no way that a thorough investigation could be completed within 7 days, given the number of claimants during this time who had disputes against Bank of America for unauthorized purchases and transactions taken out from their EDD benefits.
Product: Debt collection

I already pay them in full but they're not removing this collection from my credit history