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

Bankers Health care Group aka BHG-inc.com sent me an credit card to XXXX XXXX XXXX XXXX with an online application for approval. I filled the short application on line with my SS number and DOB which was required and address etc. There was no provision for entering my Fed ID number. I got a phone call from one XXXX XXXX XXXX who wanted few more information further to my on line application. When it came to the Fed. Tax ID number, he said that he had the number and neither did he tell me the what the number was or did I ask him to verify the number. After answering all his question over the phone he said he will email me forms for me to fill out on line and send it back to him. <P/>The form on the email sent me had my correct SS number and DOB but a Fed ID. number that was not mine and never been mine. When I called him about the discrepancy in the Fed ID number he said he got that number when I had provided when I had applied on XX/XX/2016. I  requested a copy of that application by email or by US mail to verify that information. <P/>As of this date I have not received the information and the Tax ID on the form he sent me for me to sign was XXXX. THIS TAX ID IS NOT MINE NEVER BEEN MINE. <P/>I checked this company at XXXX and there is a doctor who made a complaint regarding this company accusing them of fraud and ID theft. Also on face book there were complaints to the fact that the company never makes any loan but forward the information two attorney 's in XXXX under the name of XXXX XXXX XXXX. I personally have a suspicion that the company makes loans to dummy accounts using false ID 'S and ID Theft. <P/>Please investigate this company for : Using a False Fed ID or Fraudulent Business practices.
Product: Checking or savings account

The bank let someone else 's tax refund go into my account I called the bank and told them it didn't belong in my account the bank rep said well if the IRS put it there then it belongs there. So I am thinking well maybe it was owed to me. I get SSI and I am not allowed to have over {$2000.00} in my account at any given time so I withdrew the {$XXXX} after waiting almost five days after I informed them, still they did not take it out so I did and it got stolen from me I tried to make a police report but they almost laughed at me because I told them XXXX  dollars was stolen from me by a guy who gave me a ride to the bank and all i knew was his first name and what kind of vehicle he drove which had paper dealer plate on the back nothing on the front so the police said you want to file a report on money that was not yours that was stolen from you from a guy with the first name and a vague description of his vehicle,? And I said yes they looked at me like I was insane and kinda laughed under their breath. This was in XXXX of 2019 of which i had spoke to an officer who said I might be charged with fraud because I took the money out of my account I told him the IRS put it in my account and the bank did not try to return it. XX/XX/XXXX the bank put a hold on every dime I had saying the IRS put the hold on it they did not because I called them. So they took over {$300.00} of my money and told me they were closing my account on XX/XX/XXXX which means they also plan on taking my XXXX and XXXX income!!! My phone is going to be shut off my rent is due I wont be able to pay my car insurance or storage lot fee where my fifth wheel trailer is being stored and they told me to call the police officer whom I spoke with already in XXXX Who has not called yet.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries on credit report. I did not authorize
Product: Student loan

Received account alert : " We are in the process of updating your account. For some or all of your loans, you will not be due for payment until after XX/XX/XXXX, and your interest rate will be adjusted to 0 % through an anticipated end date of XX/XX/XXXX. The months from XXXX through XX/XX/XXXX will count toward income-driven repayment forgiveness and Public Service Loan Forgiveness , assuming all other requirements are met. Please allow up to 30 days for the updates to be completed. We appreciate your patience and will notify you after your account has been updated. '' I also received a letter stating that I was put on Administrative Forbearance until XX/XX/XXXX and no payment would be due. 
I happened to log in to my Mohela account today and my loans are back in repayment and I have a total due XX/XX/XXXX. I did not receive a bill or any notification that my loans were placed back into repayment despite being told no bill would be due until XX/XX/XXXX. If I hadn't logged in today I would have no reason to believe my loans were back in repayment since I have a letter that states otherwise. 
Also, I submitted my PSLF employer verification for a number of months and was told only one month qualifies which is completely incorrect. 
I will attempt to contact Mohela when they're open but I have already tried contacting them previously and waited hours on hold before giving up.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 card or prepaid card

on XXXX I applied for an extension of credit and immediately got denied on my extension of my credit for the DISCOVER SIMPLICITY CARD by DISCOVER. DISCOVER is in Federal Violation under ECOA REGULATION B discouraging me from further applying for extensions of my credit.and has discriminated against me the consumer by denying me my GRANTED RIGHT to credit as described in 15 USC 1602. I have exercised my Granted Right to credit using my credit card as defined under 15 USC 1602 and have been denied via Adverse Action. The Equal Credit Opportunity Act prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or ( good faith exercise of any rights under the Consumer Credit Protection Act ). DISCOVER is also under Federal Violation under TRUTH IN LENDING 15 USC 1691a ( e ) ( f ) which states " ( a ) Activities constituting discrimination -- -- -- It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction -- -- - ( 3 ) because the applicant has in good faith exercised any right under this chapter. -- -- -- -- -- --
Product: Mortgage

Loan transferred from XXXX to Rushmore Loan Mgmnt Svc. My initial loan payment has been misapplied with 83 % of my payment being applied to interest ( last payment w/CapOne was approximately46 % ). I noticed this immediately and contacted RLMS by phone. First, I was told I was not calculating it properly ( I am a banker, so I do understand the correct methodology ). Second, I was told to write their Department of Consumer Affairs - mail or fax. Third, I called again and was now told my case had been escalated and it was not an isolated case. They asked me ( again ) when was my last payment ( note, payments have been auto-debited, on-time for 4 years - and Ive made additional principal payments ). They said they are reviewing it and would provide no timetable for resolution. No estimate, no guidance as to how to obtain an update other than checking onsite daily, calling daily, etc. 

If your business is processing loan payments, it should be fairly simple to do so. And, if an error occurs, they should be able to correct it. Instead, this company is trying to charge me a larger amount of interest than when my loan balance was $ XXXX higher! I question if it is an error or intention and would like this resolved. Also - in researching this company, I have seen countless reports from individuals who can not even payoff their loan and leave RMLS ( they keep denying the payments for a number of reasons, delaying payoff, gaining interest ). I am worried I may not even be able to pay them off and get away! 

The {$2600.00} payment was applied {$2100.00} to interest and {$450.00} to principal. The current loan balance is approximately {$370000.00} and the interest rate is 3.625 %. Original balance was {$560000.00}. Even on the original amount, the interest portion of the monthly payment would not be anywhere near {$2100.00}. Very cautious this is a scam to derive more interest payments from clients as many individuals would not check the details. 

This is only the first payment due/made. I am questioning how long it will take to correctly apply the payment as future payments will further complicate the situation. I do not want this company to damage a strong credit history Ive established over many years. I also set up auto-debit before I realized there was a problem and am now worried what this company may do with this capability. Reports indicate they change amounts and debit at their own discretion.
Product: Student loan

I have called repeatly through out the years asking for loan reduction I was told to fill out the paper work They always call back and say the type of loan I can not do this. The interest racks up. I pay for my daughter who is s XXXX however I can not get a discount because I am not the XXXX. However that is not stated when you hear about forgiveness XXXX I never get them to reduce my psyment so I actually can make a payment. If I pay what I can it does not even cover the interest payment. I honestly wanted to make a payment I can afford with this interest payment a lot lower
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX XXXX  Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX under 18 U.S.C . 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, XXXX and XXXX have all effected my personal life by erroneously reporting information on my credit report without my written consent. As a result I have not be able to get approved for mortgage or car loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # : XXXX has violated my rights, which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The account above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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, also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

On XX/XX/year> I accepted a promotional balance transfer offer for {$15000.00} and XXXX % interest with a transaction fee of XXXX % which was {$750.00} which was charged on XX/XX/year>. I received a txt message that my autopayment was scheduled on XXXX  XX/XX/year>. I logged into the site to change the autopay to minimum balance due. On Monday XX/XX/year> they attempted to pay the full balance. I did not have enough funds in my Chase bank account and it went into overdraft. I called Chase worried about what was happening and they assured me it would fix itself. The payment did not go through. They tried again on XX/XX/year> and the payment did not go through. I called them again worried about what was happening. Finally it stopped, however I did not know that suddenly my balance transfer promotion was gone and the balance became charged at the purchase interest rate shot of XXXX  %. I called Chase and the customer support person said there was nothing they could do and when asked if they solved my problem, I said they hadn't and they just kept silent on the phone for an awkward XXXX minutes until finally I hung up the phone.
Product: Credit reporting or other personal consumer reports

XXXX is fraudulent I never ordered from them someone used my information an ordered merchandise from XXXX I do not have a XXXX account this is fraudulent an shouldn't be on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent me an email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please delete these accounts from my report. 

XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX  XXXX {$1700.00} XXXX XXXX XXXX {$480.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/year>, wherein I submitted both a formal complaint and a dispute letter to XXXX regarding the erroneous reporting of a charge off on my accounts. Despite my initial communication, I have not received a satisfactory response nor have I seen any corrective action taken regarding this matter. 

As previously stated, XXXX has been reporting a charge off on my accounts without providing the requisite Form 1099-C as mandated by law. Under the Fair Debt Collection Practices Act ( FDCPA ), it is explicitly prohibited to report income on my credit report without adhering to the necessary legal procedures. This oversight not only represents a violation of my rights but also casts a shadow on my creditworthiness unfairly. 

Furthermore, I wish to reiterate that these accounts are currently under dispute. As per the guidelines outlined by the Fair Credit Reporting Act ( FCRA ), any accounts under dispute should not be reported until the investigation is completed and a resolution is reached. Yet, despite the ongoing dispute, these accounts continue to be reflected on my credit report, causing undue distress and financial harm. 

I am deeply concerned about the disregard for consumer rights demonstrated by XXXX in handling this matter. The failure to address my grievances promptly and accurately reflects poorly on XXXX 's commitment to fair and transparent practices. 

Therefore, I urge XXXX to take immediate action to rectify this situation. Specifically, I request the removal of the accounts associated with SECU from my credit report until the dispute is resolved satisfactorily and the provision of the necessary documentation, including the Form 1099-C, as required by law. 

I expect a prompt response to this letter and a resolution to be reached without further delay. Failure to do so will leave me with no choice but to explore all available legal avenues to protect my rights and seek appropriate redress. 

Thank you for your attention to this matter. I look forward to a swift and satisfactory resolution.
Product: Checking or savings account

XX/XX/2023 Wells Fargo failed to help resolve an unauthorized transfer of funds of {$470.00} for an airplane ticket from XXXX to the United States.. I had an investigation placed and they bank failed to refund my funds due to claims that it didnt look like any suspicious activity on my account. AFTER I informed them by law Im refined from any airline travel. I was put in a tough position that cause me to late on rent because I didnt have access to my funds!
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding fraudulent items that have appeared on my credit report. These fraudulent entries are causing significant damage to my creditworthiness and financial standing, and despite repeated attempts to rectify the situation, they have not been promptly addressed. 

Despite submitting multiple disputes and providing all required documentation to support my claims, these fraudulent entries persist on my credit report. This has had a detrimental impact on my ability to obtain credit, secure favorable interest rates, and make important financial decisions. 

I urgently request that you take immediate action to investigate and remove these fraudulent items from my credit report. It is crucial that my credit history accurately reflects my financial responsibility and is free from any fraudulent activity that could harm my reputation and financial well-being. 

Additionally, I request transparent and timely communication throughout the resolution process, including regular updates on the progress of the investigation and the actions being taken to address this issue. 

Failure to address this complaint promptly and satisfactorily will leave me with no choice but to seek legal recourse and escalate this matter to the appropriate regulatory authorities. I trust that you understand the urgency of this matter and will take swift action to rectify it without further delay. I am asking for your assisstance to remove these fraud items in my credit file : 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 XXXX XXXX XXXX
Product: Checking or savings account

I have an investment account with Sofi. However, my checking account was compromised and I closed it, while there was pending transfer with Sofi. I updated my new checking account with Sofi using plaid. Afterward I transferred fund from my bank to Sofi to cover the deficit. Somehow, Sofi wasn't able to transfer the fund even after I manually entered my new bank account number. I called a few times to ask for help. However, Sofi customer agents weren't able to help. and after all my positions was liquidated for a lost, I was told my account was restricted. After my third calls to resolve my restriction, I was told my account will be closed by Sofi. However, my fund was frozen from XX/XX/XXXX until XX/XX/XXXX. I escalated my call to a manager and repeatedly asked to have my fund return through whatever method Sofi used. But I need my money to meet my credit card payment expenses. The manager told me he would try to resolve and call me back within a couple days and he never called back. Now I'm only able to pay minimum payment on my credit card and paying interest on the rest of my balance, while Sofi held my fund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently receiving false and misleading information on my credit report due to Identity Theft. I am a consumer/natural person who never authorized those contracts with these Accounts reported and assumed to be mines. I have contacted XXXX and told them to validate that inaccurate information off my consumer credit report. They have not helped me remove this off my credit report. This is affecting my ability to get credit and take care of my household needs. I need these inaccurate and fraudulent accounts removed off my immediately.
Product: Debt collection

Kohn Law Firm S.C. placed an adverse entry onto my various credit reports. Kohn claimed to have purchased a debt owed to XXXX, although the age and amount of the alleged debt was wrong. I disputed the entry and Kohn responded by making changed, which were still not correct. Please sanction this debt collector for its fraudulent reporting to XXXX, XXXX or XXXX & bad faith demands for payment, which violate debt collection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

id theft victim XXXX XXXX XXXX Account info Account number XXXX Date opened XX/XX/2021 {$31000.00} Amount Not my account
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX