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

I was investigating the possibility of getting an online payday loan using the XXXX XXXX app. Once I entered my information the app said I was approved. It prompted me to check how much I was approved for. Once I clicked to see the amount it said {$1200.00}. I was never given an option to decline or agree to the loan. I then received an email stating that the loan for {$1200.00} would be disbursed to my bank account and that the repayment was for XXXX payments of over {$300.00} biweekly to be deducted from my checking account!! I was shocked because I didnt agree to the loan or the terms!! The repayment schedule was included in the email and there was no option to enter a digital or electronic signature to consent to the terms!!!! This is A SCAM AND OUT RIGHT CRIMINAL FRAUD!! I immediately contacted Minto Money by phone to tell them not to disburse any funds to my account because I DID NOT agree to the terms of the loan and never gave my consent or authorization for the loan, but my call went to a voicemail. I then emailed them at the customer service email to inform them that I had not agreed to the loan or its terms and for them not to deposit any money into my account. This is a major payday loan scam. The finance charges they are attempting to force on me are over {$5000.00} for a {$1200.00} loan that I never even agreed to!! Please stop this transaction. I have also notified my bank that I did not sign for or consent to this loan and for my bank to stop this deposit from happening.
Product: Checking or savings account

I previously submitted a complaint on my own behalf, asking Wells Fargo to provide me the {$520.00} bonus I was promised for opening a savings account, depositing {$25000.00} into it within 30 days of account opening, and keeping it there for the required time ( 90 days after account opening ). Wells Fargo responded that because I transferred {$17.00} in rewards cash from my Wells Fargo credit card to meet the {$25000.00} deposit requirement, I did not fulfil the requirement to deposit {$25000.00} in " new money '' to the savings account in order to qualify for the {$520.00} bonus. 

While I understand that Wells Fargo has decided not to grant me the {$520.00} bonus I was promised, I file this new complaint to ask that Wells Fargo change its practices by letting customers know when they have not fulfilled the requirements for a bonus, rather than simply allowing the customer to believe they have fulfilled the requirements and look forward to receiving the bonus for months, only to be told upon the customer 's inquiry months later that they will not be receiving the bonus after all, in my case due to a technicality relating to 0.08 % of the deposit requirement. 

What I find most reprehensible is that in cases like mine, which Im sure is not unique, Wells Fargo : 1 ) is aware that the customer has opened the account with the expectation of the {$520.00} bonus, as the customer makes an appointment with a banker and provides him/her a code to receive the bonus ; 2 ) is aware that the customer has not fulfilled the requirements of the bonus at day 30 ; 3 ) does not inform the customer that he/she has not fulfilled the requirements ; 4 ) allows the customer to leave the {$25000.00} in his/her savings account earning very little interest for an additional 90 days ( requirement is for the customer to leave the money in the account until 90 days after account opening, but Wells Fargo has another 30 days to deposit the bonus into the customers account ) ; and 5 ) even at that point, Wells Fargo does not inform the customer that the bonus they were expecting is not forthcoming. 

In sum, Wells Fargo knows the customer is opening the account for the purpose of receiving the bonus, knows after Day 30 that the customer has not fulfilled the requirements for the bonus, does not inform the customer of this, and then to the customers great disappointment only informs them the bonus is not forthcoming over 90 days later when the customer inquires as to what happened to their bonus. All the while, Wells Fargo benefits from withholding the information about the customer not qualifying for the bonus, as the customers {$25000.00} accrues very little interest. I understand that Wells Fargo accrues greater profits by not informing the customer they havent met the bonus requirements, but I consider withholding this information to be a deceptive practice that should stop, and I implore Wells Fargo to change its practices and affirmatively inform its customers that they did not meet the bonus requirements rather than to profit off of customers misunderstandings of the bonus terms.
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 any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these 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
Product: Checking or savings account

I opened an HSBC account back in XXXX of XXXX and I was notified by HSBC that my account will be closing. On XXXX of XXXX I went to local branch in XXXX XXXX California they took copies of my identification and told me that they cant help me because accounts were opened online. I called the customer service number and I was told branch can help me. XX/XX/XXXX I was told account is closed and funds have been sent in form of a check. I waited XXXX, XXXX, XXXX, XXXX and now we are in XXXX to this day I have not received anything. On Thursday XX/XX/XXXX I went to XXXX California local branch of hsbc bank asking them about the status of the account and I was told they cant help. Then I called the customer and he assured me that branch can help me. I went to the branch and I was told thats a lie. HSBC has been lying and keeping/holding my funds when they have no grounds to do such thing. The very last person I spoke with the bank he assured me that I will Get the money back however nothing has been received. Here is information for your reference : XXXX  operator ID. XXXX Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my 3 credit reports I discovered the fallowing wrongs : a ) one mortgage loan ( with XXXX XXXX that was paid off in 2019 is missing from the reports. 
b ) on two of my reports I am shown an address where I never lived.

Suspiciously, this address is in my neighborhood, on the same street where I live, but at a different number. 
c ) the same wrong address shows up on my deceased spouse credit reports. 
As I am going though probate, and I am the personal representative appointed by court, I checked his reports and I discovered the same wrongs on his reports. 
d ) the mortgage loan from XXXX XXXX, is reported bizarrely, on the credit reports. 
Must mention that I was stationed away from home due to military obligations and dealt with fraud and wrongs created by XXXX XXXX, and not only, since 2019!
Product: Debt collection

I am filing this complaint today against Jefferson Capital LLC because my credit monitoring service notified me on XXXX XXXX, 2016 that a collection was placed on my XXXX and XXXX reports by them. I have never heard of nor from this company and I have never entered into any legal agreement or contract to do business with them. Furthermore ; the debt they claim I owe them was illegally purchased and furnished on my credit file without my consent nor an opportunity to verify or validate debt per FDCPA. The debt has been previously deemed unverifiable and was removed from my credit file due to another illegal purchase once before. I have reached out to them and have asked them to please remove the unverifiable negative item from my credit reports and have been ignored so far. Please resolve the situation as soon as possible. Thank you.
Product: Debt collection

The collection company place a collection on my credit file before sending me a ( 30 ) days Notice. I call them last month to removed the collection from all three credit bureaus and told them i moved to a new address so they can send me the 30 days notice to the new address, I just received the notice on the XXXX of XXXX. I call them to send me a validation letter and sign contract between they and the original creditors as proof for them to collect the debt from me and they said they will not send me anything else and the collection is going to remain on my report and there is nothing I can do about it. I told them that the government said that all collection are on hold for the next 90 days because everyone is worry about their life right now and need time to pay off any debts.
Product: Debt collection

The collection was removed from previous collection agency known as XXXX XXXX , XXXX for {$450.00} and now being reported by a collection agency known as Stellar Recovery INC XXXX date opened XXXX-2017, furthermore according to FCRA I must be notified within 5 days of reinsertion. if you do n't get notified, that 's grounds for removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion report an unknown creditor ( XXXX XXXX ) on my report that caused my credit score to drop XXXX points on XX/XX/2021. I have constantly spoke with Transunion and XXXX XXXX  about this issue. I first saw it on XXXX XXXX and immediately contacted Transunion about the issue. They indicated that my score did drop by XXXX points but have no idea why it dropped. I contacted Transunion again and now they are saying that I paid off four debts and that why it dropped XXXX points, which is unheard of. Credit scores increases of you paid off debts. I would like this issue to investigated. I have evidence that this happened.
Product: Credit card or prepaid card

I have a Victoria Secrets Credit Card. I forgot make a payment and that affected badly my credit score. I never received a call or a statement from them to remember me a debt. I paid in full a ballance and told them to please erase the report on my credit bureau but they said no. I never paid late any account after my bankruptcy. Is very hard maintenance my healthy score and this people affected to me badly.
Product: Credit reporting

It has been 30 days since Experian received my dispute regarding XXXX. They are unable to verify the accuracy of the account, yet they refuse to delete it. In truth they have had 6 months to investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this issue 2 times the incorrect late payment statuses with XXXX ( Formerly XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The problem is that during the start of the Pandemic I took advantage of a program with XXXX that allowed for automatic debits to come out of my account to ensure the account would be paid on time. I have bank account statement proof showing the amounts came out on time, but they are not showing paid on time on my credit report and XXXX refuses to update them. XXXX, XXXX and XXXX of 2020 are not delinquent, but they are still showing they are. Important note- XXXX boughXXXX out XXXXXXXX XXXX XXXX but is not taking any responsibility for the programs or transactions made from XXXX customers prior to that acquisition. This is an unfair business practice. I have tried multiple times to dispute this as these delinquent payments are negatively affecting my ability to have a better credit score. 
I am filing a complaint now.
Product: Debt collection

I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with LVNV Funding/ XXXX XXXX  this debts are not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 

In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify these businesses and tell them the debt is the result of identity theft. 

All of my personal Belongings were in a uhaul that was stolen from in front of my hotel while i was staying while moving. i lost all important documents birth certificates, ss cards pictures wedding documents everything I have enclosed a copy of the Consumer Financial Protection Bureaus Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform LVNV funding / XXXX XXXX that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

At the register I stated to the cashier I already had a credit card and needed my account to be looked up since I did not have my physical card in my possession. The cashier prompted me to type in my SSN which is normal for an account look up. I repeated to the cashier I already had a card once again. The screen prompt asked me for my income which once more had me tell the cashier I do not want a new card I already have one. He typed in something for the question of my income on my behalf without my permission as he assured me he cancelled the application. Now I received a credit card in the mail. I repeatedly stated to the cashier I did not want a card and did not want to apply as I already posses an old navy credit card.
Product: Money transfer, virtual currency, or money service

I called the CFPB twice to verify my information as per my last complaint and I was told that I need to resubmit my complaint because it was 'closed '. Not sure why this is the case but I am resubmitting my complaint now : commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX / XXXX ( the Scammers ), XXXX : XXXX XXXX ( the Scam Company ), all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing CashApp services.
Product: Credit card or prepaid card

I have an EIP card sent to me its a VISA Debit card Money Network. The card is issued by XXXX, XXXX, Member FDIC pursuant to a license from VISA U.S.A., Inc. I called their customer service number at XXXX and asked them to list my pending transactions and they insisted I give them my social security number to further get into my details so I did give them my social security number and soon after I gave the customer service guy my social security number he hung up on me! And then I called back a second time to let costumer service know what happened a lady answered this time and she insisted I give her my social security number so I hung up not knowing if this is allowed or not. I am worried the customer service man I have my social security number to might fraud me and I was hoping you can rest my mind on this situation.
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. 

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 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 XXXX 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

XXXXEXPERIAN XXXXACCOUNT SHOWING COLLECTION/CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX/XX/2015
Product: Checking or savings account

While I was in XXXX I had my wallet stolen as I walked through XXXX with friends sometime between XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX XXXX. I cancelled all three cards in my wallet when I was able to get back to the hotel and charge my phone. 

I reported the fraud case to SoFi bank via phone on XX/XX/XXXX ( I was unable to report the case until the funds had settled ) once I returned to the United States. Since then SoFi has denied any claims of fradulent charges, has refused multiple requests and even demands for contact, and will not refund the charges despite solid evidence provided. 

I have solidly proven I was unable to make the purchases at the time they occured since I have GPS tracking data that I was never in the subburb the shops were location, AND photo proof with GPS data that I was physically in a different location at the time of the purchases. 

My other banking institutions have refunded all charges with far less evidence or hassle, and were actually able to be contacted. SoFi does not allow any communications with what they consider the " back room ''.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

Unauthorized withdrawal from my checking account. ON XX/XX/2023 AppleCard by Goldman Sachs received {$4500.00} payment from my checking account. I did not authorize this transaction and I have tried to get information as to who received this payment but have not been able to get any response I have filed a police report I will be happy to provide account numbers etc. 
Thank you for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may Concern : XXXX XXXX XXXX  XXXX has posted a account to my credit report that has been reported as XXXX XXXX XXXX XXXX in the amount of {$710.00} on account XXXX. This attempt at EXTORTION and DEFAMATION is a bad business practice. I sent of a copy of my police report for Identity theft to all 3 major credit bureaus and XXXX XXXX thru XXXX XXXX via XXXX XXXX   for account # XXXX for {$710.00}, which was closed and removed. So XXXX XXXX XXXX XXXX  or Receivables Performance sold that account to XXXX XXXX XXXX  XXXX in a attempt to Extort money out of me for an account that was proven not mine. The account in question also reappeared on my credit report and did damage. There has to be something illegal about what XXXX XXXX XXXX XXXX XXXX XXXX  XXXX is doing. They figured if they had {$1.00} no one would notice their TREACHERY, This account needs to be removed ASAP before it does anymore damage. XXXX   XXXX has a copy on file of my police report and other documents I mailed to them referring to this account as XXXX XXXX {$710.00} with was deleted. It's clearly that these accounts are one in the same so why was it reposted under a new collection agency name. This is SHAMEFULL and incompetent on Transunion 's part and needs to be fix ASAP!! Thanks in Advance.
Product: Mortgage

Loan # XXXX Ditechh, Greentree Services To Whom it may concern ; The reason for filing this complaint is to report the incompetent and severe consequences I have encountered due to the actions ( lack thereof ) of Ditech & Greentree Services For the transition period XXXX XXXX, XXXX XXXX XXXX, XXXX is due to several components. The most significant impact and issues are primarily due to the following : XXXX, XXXX loan modification program started I set up monthly scheduled Direct banking payment to Greentree Services XXXX XXXX Greentree Services called asking for a payment " over the phone '', stated XXXX payment had not been received. Greentree Services told me to call the bank to " stop XXXX payment ''. I made a payment over the phone & paid {$30.00} fee to stop the issued payment. XXXX payment was received by Greentree Services in XXXX ( have bank documentation proof ) Greentree Services did not post until XXXX. I was told " do n't worryabout it '' Submitted XXXX payment on time. Greentree Services returned XXXX payment back to me, stated I was rejected from the program due to none payment in XXXX. Combined with NOT finding regular employment Low Sales of running a small business are the reasons for being behind on the mortgage payments.
Product: Money transfer, virtual currency, or money service

Discover Bank advertises prominently on its website that customers can use XXXX to transfer money via a Discover Bank account. I have had issues before where Discover just won't accept money from certain payment transfer services and have, in face, have had to refuse money from a friend a few years ago from what I believe was XXXX XXXX. 

So, knowing how difficult Discover can be, and relying on the information that I see literally every time I log into my account, I told several co-workers that they could send me money via XXXX for a group baby shower gift. 

My account still has an ad for XXXX. But I can't connect to my bank account. And when I emailed Discover for help, XXXX told me that I can not, in fact, link XXXX to my bank account, and there is no known fix date. A quick search of the internet revealed to me that this has been going on for many months- Discover is knowingly advertising a service that it will not let its customers use. This feels fraudulent.
Product: Credit reporting or other personal consumer reports

According to XXXX XXXX XXXX XXXX Experian, XXXX and XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). 42 USC 408, 15 USC 1666b Delete ACCOUNT