23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am a co signer on a mortgage loan with my daughter for the account of Mr Cooper and was never made aware of any payments being late or was not included in a repayment plan. I found out about this only by noticing a decrease in my credit score and upon further investigation seen this loan had 4 late payments reported. I contacted the company and verified that I personally had never been sent any notices to my address, email or contacted by telephone. All notices was sent to the loan address and all dealings was only completed by the borrower without my consent or awareness. I have asked the late payments be removed by this company and it has not been done.
Product: Credit card

I was sent a XXXX  debit card in the mail with no company name on the envelope or letter. I thought it was my new XXXX debit card, so I activated it by scanning a qr code that was on the sticker attached, but it turned out not to be. There is a line on the page that says credit limit {$12000.00}, even though it is supposedly a debit card with a preloaded amount. The website that shows the balance, elanrewardscard.com, says {$0.00}. I have never made any purchases with this card, but I'm pretty sure they're going to try to trick me into paying {$12000.00}. I tried to call the only phone number they gave for help in the US, asked to cancel the card, and was told by an XXXX or XXXX  man that he couldn't help me.
Product: Credit reporting or other personal consumer reports

To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and make fraudulent activities. And You are violating my rights! by reporting these accounts on my report. 

I request that you provide evidence. 
to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.
Product: Credit card

We were sent a letter from Citibank that an account was past due. It is an account that has not been used in years. The account ends in XXXX. I called the number given ( XXXX ) to straighten out the problem. They could not get the account for two reasons : 1 ) I refused to give my social security number and 2 ) I do not recall the old phone number used when I had this account. 

I believe this is an extension of a fraud case from XXXX XXXX. A fraudulent check was written to Home Depot for XXXX some dollars. XXXX XXXX  determined that the check was fraudulent. XXXX did not pay the check, they closed our old checking account and started a new checking account. Perhaps Home Depot charged on the old charge account to get money for the fraudulent check. I know I paid the Home Depot card account in full in XXXX. I thought it was closed. 

I have never been sent a statement about any charges made on the debunk account. Citibank was unwilling to straighten this out because they demanded my social security number and I do not recall the phone number I had in XXXX. But they managed to send me a bill and past due notice. It doesn't make sense.
Product: Credit card

Submitted a chargeback with Discover against the XXXX XXXX for {$370.00} for not delivering, I was told at first the carrier marks things as delivered before actually delivering and then later promised a refund. The merchant didnt provide that refund as promised. Contacting discover in regards to it and I am left in the complete dark and all of a sudden discover reports the charge without providing any documentation on why and without me being able to provide them proof the merchant promised a refund after not delivering the order as promised and not being able to locate it.
Product: Mortgage

My loan was sold to specialized loan services. We have had nothing but problems with them since. We were trying to modify our loan and were never told it was approved until after we missed theach first trial payment, which denied the modification. When trying to contact them our assigned agent would never return calls and everyone we talked to was extremely rude. Now we are at risk of losing our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my XXXX report, XXXX XXXX alerted me to new accounts opened in my name and affects my credit and I have never applied for them, and they do not respond to me The accounts are : Comenity Capital / Children Place, My Smile XXXX XXXXXXXX XXXX Comenity, XXXX XXXX XXXX. They are using my information to make fraud with my social security and affecting my credit. COMENITY CAPITAL BANK MY P.
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX XXXX failed to fulfill its legal obligation under the FCRA to conduct a reasonable investigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau CFPB, has recently filed a lawsuit against Experian and XXXX alleging systemic issues such as failure to forward consumer-provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of dispute outcomes.These failures align with my experience, where Experian, XXXX XXXX and XXXX has neither corrected or removed items despite the evidence I have provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experian, XXXX and XXXX XXXX inactions violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX are using a document that has no signature from XXXX XXXX XXXX to purport that I owe them {$1600.00}. This agreement is nearly 7 years old, and has been removed from my credit report for over 6 years because it is not an agreement Ive ever agreed to. XXXX XXXX agreed to erase it, but XXXXXXXX XXXX XXXXXXXX are ignoring that request. Companies are required by FRCA to delete unverifiable information. 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Not only that, XXXXXXXX XXXX XXXX are listing themselves as the ORIGINAL CREDITORS and as if the account was opened last month, and has seven additional years of credit reporting. 

Theyre violating several FCRA guidelines, and Ive filed attorney general complaints in 10 states.
Product: Student loan

I have consolidated all of my loans & they are now with MOHELA from Direct Loans. I went to XXXX XXXX  as well as XXXX XXXX. I was offered forbearance multiple times & have been on it for years now. I spoke to someone that I was referred to from my teachers ' union, XXXX XXXX XXXX, & I was told by one of their representatives that my situation looked like something called forbearance abuse. He advised me to reach out to the Ombudsman Group & I did so. My case number with them is XXXX. I reached out to them periodically only to be told they were " still investigating '' or that I should fill out a PSLF Reconsideration which I also did. I am not sure what is going on but I am afraid that since this has gone on now for so long that it will be really bad once XXXX rolls around. I need someone to reach out to me & maybe make an appointment to speak because I am very very concerned. My email is XXXX & my mobile number is ( XXXX ) XXXX. If someone can please help I would appreciate it. Thank you for your help.
Product: Consumer Loan

I have a very old auto loan from SANTANDER CONSUMER U. They reported my last payment as XXXX 2015 to the credit bureaus I have n't made a payment or heard of this loan in many years. This is false information, originally ( years back ) when i signed for the loan I was quoted a XXXX monthly payment. When my first statement arrived the monthly amount was over {$600.00}. I attempted to fight this with Santander but it lead no where. This was before an agency like the CFPB was around. I attempted to pay the {$600.00} since the dealership could n't take the car back and was not able to keep up with payments after a period of time.
Product: Debt collection

keep geting phone calls to pay for a credit card i paid protection on XXXX XXXX XXXX c/oresurgent capltal services XXXX XXXX XXXX XXXX XXXX there phone number is XXXX the original creditor name is XXXX XXXX XXXX XXXX XXXX i paid them protection when i frist got the card and i paid them for years untill i closed this account now i keep geting phone call to pay then {$110000.00} i want them to stop calling me and take this off my credit report i paid for protection tell them to get the money from XXXX XXXX XXXX i paid them for protection and tell them to take this off my credit report a, s, a, p like now
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX ACCOUNT # 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 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
Product: Checking or savings account

Citizens bank wrongfully closed my checking account on XX/XX/year>. I had my employer place a stop payment on my payroll check on XX/XX/year>, once I realized my attempt to change my direct deposit information had not updated. It was not until XX/XX/year> that my companys HR department contacted me saying that the funds had been deposited into my closed account anyway and the companys account had had the funds withdrawn on XX/XX/year> and that citizens had refused the stop payment even though it is illegal to accept funds into a closed account, even if it is overdrawn. The account was only overdrawn because citizens took funds that were awaiting pre authorized bill payments and placed them into my other citizens account to cover a bounced check, which i thought was also illegal, only on missed loan payments if they are with the same bank, can the bank withdraw funds from a checking account. This occurred on or around XX/XX/year> i unfortunately dont remember the exact date. The bounced check was a fraudulent check in my name deposited into my account and when Citizens froze my accounts was the first I heard of it. I filed a fraud complaint that day, was told my account was under review with me as the suspect. I never heard from citizens again and was told no information about what was going on with my account. On XX/XX/year> I received a letter saying my account had been closed and to my surprise it was not the account that the fraudulent check was deposited into, it was my main checking account, the one where all my direct deposits go. I have since requested bank statements from citizens to no avail, I just want to know what is going on with my account, and why I can not at least even have the remainder of my paycheck so I can survive, there is no way the account was overdrawn by XXXX, which is the amount of my payroll, so citizens is just simply withholding my money. That payroll check never should have been able to be deposited into my checking account on XX/XX/year> though if the account was closed, so Id really like my entire check also seeing how the fact that it was overdrawn at the time of the payroll deposit was not my fault. They allowed major fraud on my account, I did not deposit that fraudulent check, and instead of looking into it like I asked them to, they made the problem so much worse and now i am unable to pay my rent and buy food because they are withholding my money unfairly. Please help me in this matter.
Product: Checking or savings account

On XXXX I received a text message from Wells Fargo stating if I wanted to authorize or deny a transaction of a XXXX withdrawal from my savings account. 
I denied by texting NO as I wasnt attempting to remove any money from my account. 

Immediately after this text I received a series of phone calls from an unknown number. 
A ( scammer ) but what I thought was a legitimate representative calling from Wells Fargo told me I needed to protect my savings account as someone was attempting a XXXX transfer of {$3400.00}. I clearly stated that I did not authorize or attempt this transaction. 

The representative stated that someone from MO was attempting to use my bank account to Make other purchases as well. 

This representative told me I needed to send the entire amount of my savings account back to myself using XXXX, otherwise my money could be lost, as the transaction didnt go through yet. 
The representative walked me through the steps to send my money back to my account when in reality my money was being REMOVED from my account. 
After the phone call I checked my account and my balance was {$0.00}. I immediately contacted Wells Fargo and learned I was scammed out of {$3400.00}. 
Wells Fargo informed me that both my accounts were compromised and I changed all my passwords and online information. 
A new debit card was sent to me and my savings account was closed. 
I placed a claim with Wells Fargo that same day and they advised me after an investigation they would make a decision regarding my claim. 
I was told if there was fraud I would get my money back. 
On XX/XX/19 I contacted Wells Fargo online fraud department and they said the investigation was complete and i although there was fraud I made the transactions myself and could not get my money back. 
In conclusion, money in a bank is supposed to be FDIC insured. 
I am a single parent who was scammed out of my XXXX  XXXX money which was all in my savings account with no way to be reimbursed by Wells Fargo. 
Id like a review of Wells Fargos decision making process regarding this issue. 
My Wells Fargo claim # is XXXX
Product: Money transfer, virtual currency, or money service

I was scammed by an event organizer who seems to be operating alone. They claimed to be an organizer for events in XXXX, took a XXXX payment for a ticket to an event and sent over the ticket for {$150.00}. They then requested {$100.00} for a refundable deposit for the venue. After sending me the time and address as well as instructions for arrival, I went and was told that the event was full and I would need to buy a VIP pass for another {$100.00}. I did not send that amount, and instead went into the venue to find it completely empty. They then blocked my number. I have their email and cell phone, as well as the XXXX receipts and the number its attached to. I called Chase immediately to try and cancel the two payments of {$150.00} and {$100.00} but they said they couldnt help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX  XXXX - NEVER LATE XXXX Paid, Closed. 
XX/XX/2017 XXXX  - NEVER LATE XXXX Transferred, closed. 
XX/XX/2017 < -- -- ALL accounts NEVER LATE. FCRA Violation. How is this late? I've always paid on time. Why was I never notified if I was late? Should I sue? 


-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX, TX XXXX < -- ADDRESSES Listed are NOT MINE. FCRA Violation. NOT reporting my data in my report accurately also.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX  ACCT # XXXX, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

US Bank closed my account after one check bounced and sent me a notice saying they had frozen funds because of some claim I supposedly filed that was fraudulent. I never filed any claims with them they must've gotten that information from XXXX XXXX who had just closed my account with them over debit card claims they had already investigated and found in my favor but decided to reverse. I think this is ridiculous and on top of that they debited the amount of the bounced check twice and hit me with a bunch of fees after allowing scheduled payments to still go through.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I disputed online with all 3 CRA that XXXX XXXX was violating my rights by reporting the car loan as 120 - 150 days late. When XXXX hit my daughter called XXXX XXXX to see if they had a program to assist with payments. I am joint owner of vehicle so its on both of our credit reports. I listened in on the call and my daughter was told they would accept half payments each month and would not report our account as late. Payments were made as best as possible being that she wasnt working not getting consistent Unemployment benefits and I was considered an Essential Employee and my pay had to take care of XXXX adults and XXXX kids.Once XXXX  rules were relaxed they immediately reported the payments they agreed to as late and put that on our credit report every month bringing our scores down further and further. The 3 CRA said they verified it as accurate. I dont think these big companies should be able to take advantage of regular old working folks and renige on an agreement and give you no fighting chance. 
I filed my disputes online so XXXX cant upload anything.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX Barclays Bank Delaware shows up on my Credit Report with XXXX as 30 days past due, then on XX/XX/XXXX, it shows 60 days past due, then on XX/XX/XXXX l, it shows 90 days past due. I have never banked with Barclays Bank Deleware. This is on my credit report and must be fraudulent use. I have recently experienced identity theft which inspired me to freeze all lines of credit and to dig deeper into my report history. This is what prompted such a deep search that revealed this fraud.
Product: Debt collection

Cascade capital LLC has filed a lawsuit in Texas stating I owe them and I have never even been contacted by them in any way until I was served with court documents. They have not attempted any collection efforts. I have had the same mailing address for 19 years and a separate physical address for the last 4 years and have 4 phone numbers in my name and have not received one call concerning or identifying this matter.
Product: Debt collection

I keep trying to tell the company that I did not open this account up when this account says that it was open that it was not me, but it keeps saying that it was me
Product: Checking or savings account

Dear Sir/Madam, I am writing to formally lodge a complaint against Clover, a merchant service provider, concerning the unjust freezing of our funds and the abrupt closure of our merchant account. 

We began our business, XXXX XXXX XXXX, on XX/XX/year>, offering IT consultancy services along with web development, software development, and web applications. We opened a business account with XXXX, through which we requested a Clover merchant account. All contracts were signed with XXXX, and they facilitated our Clover merchant account. 

After launching our business, we started processing payments through our Clover account ( XXXX : XXXX ). However, just one week later, we were contacted by Clovers Risk Management Department, which requested detailed information about our business and a few transaction verifications. We provided all the requested details and cooperated fully.

To our shock, only two weeks after starting our business, Clover abruptly stopped transferring daily settlements to our XXXX account without providing any reason or notification. Despite our repeated attempts to contact Clover via phone and email, we were eventually informed that our account had been closed by their Risk Management Department. They provided no specific reason for this closure, and they also froze {$18000.00} of our funds.

This situation has caused immense stress and financial hardship for us, as we were a new business operating on a tight budget. We had to halt our business operations, leaving us unable to pay our team members and other necessary expenses. Our business plan was completely disrupted, and we faced significant losses. 

Despite numerous attempts to resolve this matter with Clover, they have consistently refused to provide any further information or release the held funds. They initially promised to release the funds after 90 days, but after the period ended on XX/XX/year>, they informed us that the funds would remain held indefinitely without providing any reason. 

We also reached out to XXXX, with whom we signed the original contract and who provided the Clover merchant account services. However, XXXX directed us back to Clover, claiming they had no control over the funds. 

It has now been over eight months, and Clover has still not released our funds. This situation has caused severe financial damage to our small business, leading to its closure. We are under tremendous mental stress due to this unjust action, and we are urgently requesting your intervention to recover the {$18000.00} that Clover is holding.

I kindly ask the Consumer Financial Protection Bureau to investigate this matter and take the necessary action to ensure the release of our funds. We have already suffered significant losses, and the continued withholding of our funds is causing further distress. 

Thank you for your attention to this matter. We hope for a prompt resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX.
Product: Checking or savings account

XX/XX/XXXX. XXXX.The check was written for mobile deposit. And said oh its blurry and its deactivated and were going to send you a letter. When the check was actually on hold, it was sent back. All of the sudden, Im not able to use citizens bank anymore.