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

Someone has used my personal information to open 2 loans and 1 credit card under my name which are now reporting on my credit. I do not know who used my information but these accounts must be removed from my credit report!

I am filing the necessary paperwork in order for my request/demand to be made. The following listed accounts have been opened using my personal information without my authorization : XXXX XXXX XXXX XXXX {$15000.00} ( CREDIT CARD ) XXXXXXXX XXXX XXXX XXXX  XXXX {$25000.00} ( LOAN ) XXXX XXXX XXXX XXXXXXXX {$25000.00} ( LOAN ) These three accounts are unauthorized and were not open by me. They must be removed from my XXXX, TransUnion, and XXXX credit reports!
Product: Bank account or service

On XXXX I had another late charge for an insurance payment ; the funds were not available because of a previous illegal INSUFFICIENT FUNDS. 
On XXXX I had {$200.00} so I made a few purchases for the month from XXXX and XXXX. 
On XXXX my car payment hit that I forgot about through all the confusion ; this should have been the only INSUFFICIENT FUNDS FEE. 
Once again M & T placed this before all my XXXX purchases and I am facing another XXXX INSUFFICIENT FUNDS FEE or {$230.00}. 
The grand total since XXXX n they place the {$54.00} out of order starting this planned snowball effect will be {$340.00} for XXXX. 
Since I am on SS I keep track of every penny with XXXX and I did not do this. If M & T are going to jockey transactions around outside the normal bank ledger then they should provide the software to keep track.
Product: Debt collection

I paid this debt off XXXX XXXX this company is claiming they never received the money order, Im not getting any help but I have proof I sent it out and that I paid off debt and now I cant get it removed after paying it off, I showed all my proof and I keep reaching out to ( XXXX ) the supervisor and he isnt responding back and Im not paying them again I left voicemails on his phone to speak with me he hasnt attempted to reach out to me and I cant get a home and havent been able to for 4 years due to this I reached out to XXXX and paid {$15.00} to get a copy of the already spent money order for {$480.00} and both XXXX XXXX and national credit system are claiming to have never received the money I need help removing due to I been paid off I can send in any of my proof I filled out a Forgen application to see who cashed my money order and still waiting on that but this is ridiculous there asking for more money I need some type of conclusion to this problem I dont want to give anymore money
Product: Student loan

To whom it may concern : I am writing to express a complaint of disgust regarding my Navient, formerly Sallie Mae, loan debt. I began my education with a school entitled, The XXXX XXXX, in XXXX, N.J. for the year XX/XX/XXXX, and left four years later from a, XXXX XXXX XXXX. Also, this program that the United States Government granted fiscal loan funding for me to attend was for XXXX XXXXXXXX. Only it would also be allowed to advance a real time XXXX program while accepting pay and attendance from XXXX XXXXXXXX. At the time many unethical offenses were experienced by me and other consumers of The XXXX XXXX. It was the title schools final years and during the business transaction with XXXX XXXX XXXX almost any and all oral contracts had been revised with students. Actions, such as : uncertified teachers conducting English class would pass without any hard evidence obtained from the student/consumer to provide in a court of law. Therefore, many took a leave of absence and most assuredly left crying over the debt more than the time lost. 
Im writing to share my shame for ever trusting a United States federal loan agreement. I still owe a lot of money plus federal loan interest on what I consider to be a con debt. My experience and overall poor timing in attending a proprietary school my Government felt compelled to make loan offers to for business was a bad egg decision. If I had understood what little success would really come from the financial investment I was being allowed to make, I never would have made it. I was only XXXX years old when I signed away my right to a responsible future with a family, for debt that would never amount to anything great. Its been a shameful display, but not mine alone to bear. Furthermore, I will continue to live and witness more unethical practices i.e. debt collection Sallie Mae. 
I wish someone within Government cared enough to seal up these sort of lose ends on Federal loans. I wish my Government wasnt seeking to profit rather than aid a citizen dream. I would hope that someone would investigate the validity of my claims and remove my debt. Navient can not or will not even negotiate a settlement after almost twenty five years of accruing. Honestly, there has to be a better way. 

Sincerely, Said Student/Consumer
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I paid off my XXXX XXXX XXXX with MoneyLion, totaling {$970.00}. I was initially informed that the funds held in the XXXX XXXX Account would be returned to my linked bank account within five business days of payment receipt. 

MoneyLion confirmed receipt of my payment on XX/XX/XXXX. However, when I followed up, I was told the return timeframe was actually 15 business days. I waited the full 15 business days, but the funds were still not returned. 

Since then, Ive contacted MoneyLion multiple times. Each time, I was told the issue is under investigation and that a support ticket is open. No further details have been provided. On XX/XX/XXXX, I called again and was told the delay is due to an internal matter and that the refund process will take longer than expected. I requested to speak with a supervisor, but was only told that a supervisor would call me backno call has been received as of this writing. 

It has now been nearly a month since my payment was received, and I still have not received my {$970.00}. I am seeking assistance to recover my funds and hold MoneyLion accountable for their lack of transparency and failure to honor their stated timelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask them to remove information along with the letter again nothing has been done. The inquiries from XXXX XXXX  XX/XX/XXXX has informed me they do not have a request from me and can not verify my social number. XXXX XXXX XXXX XX/XX/XXXX also informed me they did not have a recorded of my credit request. UCS XXXX did not have my permission to run my credit score. XXXX XX/XX/XXXX did not have my permission to run my score. XXXX XXXX XX/XX/XXXX I have an account with XXXX for the past 20 years and there is no need to have my credit checked. I never authorized any credit check from XXXX, I did not have my permision to run my score.
Product: Mortgage

After XXXX XXXX, the entire XXXX part of Florida was declared area a XXXX XXXXXXXX area by XXXX. As a result, Wells Fargo offered a 90-day relief on my mortgage. I spoke to a representative from Wells Fargo and she told me that I would not have to pay my mortgage for 90 days. She also stated that I would be able to apply the payments from the 90 day relief to the end of my loan. I agreed and right after I received an email from XXXX XXXX, Senior Vice President, Customer Service Wells Fargo Home Mortgage stating : Were reaching out because you are located in a XXXX declared XXXX area. XXXX XXXX left extensive damage in your community. Our thoughts are with you and all of those impacted. 

We understand if youre not able to make your normal monthly payments during this difficult time. To assist, we have placed a 90-day payment relief period on your account. During this time : We will not assess late charges. 
We will not report any negative information to the consumer reporting agencies. 
We will work together to discuss options that XXXX include moving those payments to the end of your loan or extending your maturity date. 

In XXXX, I received documents in the mail about preserving my home from Wells Fargo. Immediately, I called Wells Fargo to figure out why I was receiving the documents and they told me that the payments I missed could not be applied to the end of my mortgage loan. They said this is because I had an FHA loan. They said the only thing they can do for me is a loan modification. They told me because I have an FHA loan that was the option I had or I could pay the balance in full. I explained that is not what was told to me when I agreed to the 90 day relief. They transferred me to a mortgage specialist and she told me she would research the call. She called me back in XXXX hours and told me there was no evidence in where their representative told me that. 
That is a lie because I would not have agreed to a 90 day relief if they told me I would have to do a loan modification or I would have to pay my balance in full after the 90 days. From the beginning of this process no one from Wells Fargo mentioned a loan modification or paying to amount owed in full because I would not have agreed to it. I do not want my interest rate to increase. This makes no sense to me. Please help me with Wells Fargo trying to take advantage of me.
Product: Credit card

Someone was able to hack into my Kohl 's charge account and change the shipping address. They then used XXXX different old credit cards to charge XXXX items and have them shipped to the bogus address during the month of XXXX 2016. When I received the bill I immediately called Kohl 's. Kohl 's is currently working on the fraud case however I feel the practice of Kohl 's not deactivating the old card when a new XXXX is sent sets up the consumer for fraud. I was told to either not activate the new card or call and cancel the old card. The only thing that changes is the last XXXX numbers it is still the same account. I had them close every thing and they are supposed to send a new card. They also said they would not report anything to the credit bureau until the investigation was complete which could take up to 60 days. Kohl 's is aware that there is a Kohl 's Cash scam going on and they continue to keep old cards active. I also never received an email that my email and shipping address were changed on my account. This is unacceptable.
Product: Debt collection

Our previous landlord placed some charges incorrectly on our account. We attempted to resolve it with them but they refused to remove the charges. We refused to pay and they sent the debt to collections. 

Our primary complaint is over the debt not being owed, however we have a secondary complaint that when the collections agency contacted us, we replied via certified mail disputing the debt and asking for additional evidence. They failed to respond to that letter, further indicating to me that this debt is not valid.
Product: Credit reporting or other personal consumer reports

I would like for XXXX Experian and XXXX to stop sharing my nonpublic personal information. I have already submitted complaints with CFPB for this information being reported. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX
Product: Money transfer, virtual currency, or money service

I opened the savings account in Wells Fargo for the promotion bonus of {$520.00} if I keep over {$25000.00} for 90 days. I kept the money of {$25000.00} for 90 days and after met all the requirement, I wanted to ACH transfer to my another bank account. However, the bank put the restriction on my account that I can only transfer out {$6000.00} a month. 
so in order to transfer all my money out, it will take 5 month. This is a scam. 

By putting this restriction, they actually hold my money for 8 month to give me the promotion bonus of {$520.00}, not 3 month ( 90 days ). If I knew that at the beginning, I would not opened this account. 

I called the customer service to complain about this and asked to remove that restriction, But they rejected my request. They put the transfer restriction for only this type of account. This is not right.
Product: Debt collection

NONE OF YOUR LINKS APPLY TO MY SITUATION - NONE. 
STATE OF NEVADA XXXX XXXX XXXX  PROHIBITS A COLLECTION AGENCY FROM FILING ON XXXX - READ IT. They have NOT TO THIS DATE ever SENT me a BILL they JUST AUTOMATICALLY FILED ON MY CREDIT REPORT. I AM A XXXX  CITIZEN XXXX - and am XXXX  now ( Since XXXX ) LIVING OUT OF MY CAR IN XXXX DEGREE WEATHER. After needing to move from a XXXX STORY I LIVED IN for 14 YEARS - MOVING TO A SINGLE STORY because of having problems WITH MY XXXX prior XXXX XXXX and at THE LAST MINUTE they RERAN MY CREDIT REPORT TO FIND this XXXX XXXX XXXX had filed AND now - XXXX XXXX XXXX XXXX  WILL LET ME LEASE A HOME. I HAVE LIVED IN THIS TOWN SINCE XXXX - tell me WHY - wouldn't all credit reporting agencies FIRST verify the XXXX XXXX XXXX had done the filing properly? READ XXXX XXXX XXXX- I want to file a complaint against the XXXX credit reporting agencies. I have sent them letters all year trying to resolve. NOW, THIS has destroyed my life as I can't work without a house or car - I'm a real estate broker. The DENTIST I went to a few years. THEY never filed the claim with my insurance company and on top of that- they broke my root canal tooth in XXXX and now the whole front tooth fell out. You can verify with XXXX the dentist never billed them like they should have. I never received another bill from them nor XXXX from their collection agency. Do you realize the stress - mental and financially I am under? I have to pay XXXX storage units each month. You need someone to investigate this because I will turn this over as of XX/XX/XXXX to a law firm. This is not acceptable to do to a XXXX XXXX  or anyone for that matter. I have no family in town and they can not afford to support me. This is sad.
Product: Checking or savings account

I opened both checking and savings accounts with Fifth Third bank. When I tried to close them, transferring the funds to two external banks, I was charged a XXXX dollar fee for transferring the funds to one of them. When I called the bank and asked for an explanation, I was told I was notified of the fee. I had not been. When I asked why I was only charged the fee on one transfer, they told me that was my fault but refused to explain why or how the fees are determined. When I asked to have the rest of the funds transferred, they refused. They, instead, mailed an illegible and crookedly photocopied form. I mailed it and wait for the funds to be delivered via check. 

My parents each opened and then subsequently closed accounts with Fifth Third bank. Upon attempting to close the accounts, they faced more trouble than I have. XXXX XXXX only allows ACH of {$2000.00} per transaction, now, and charges XXXX dollars per transfer. 

When I asked to speak to someone in the bank about " Unfair and Deceptive Practices '' since they refused to send or point me to their schedule of fees, have repeatedly given contradictory answers regarding the process to close the accounts and get our money, etc., I was told they don't have a department to handle that type of complaint but that a manager would call me back. It's now been a week with no call. 

I feel they lie to get new accounts, lie about their fees, and then delay people when they attempt to take their money back and close their accounts. 

Please investigate as I'm sure my parents and I aren't the only victims of repeated {$3.00} fees with no consistent explanation.
Product: Credit card or prepaid card

I have had a Kohl 's Store card for many years and used it to make occasional purchases, always keeping my balance below {$500.00}, preferablly at at {$0.00} balance. I liked the rewards and coupons that I could access and that is why I kept the account. 

Back in XX/XX/2023, I was notified that my account was selected for a conversion to a Capital One Visa card. I looked for an opt out process among the fine print and could no

t find one. I asked friends and family with Kohl 's cards if they had gotten this and they had not. It was a busy time for me at work and I lost track of it. I made a small purchase using my Kohl 's account before the conversion. When I we
nt to pay the online on XX/XX/XXXX, the date that it was due, I discovered that my Kohl 's account was no longer active. I called Kohl 's and they referred me to Capital One. I spoke to a representative there and was told I had to pay the bill through Capital One instead. When I tried to pay the bill, I discoverd that I would incur a late fee because it was after hours and would post the next day. This was not the practice with the Kohl 's card. I was able to speak to someone at Capital One today and they will waive the late fee, however it will take 3-5 business days to show on the account which means I need to pay the late fee in order to avoid another late fee, and will then receive a credit which is another hassle.

I am extremely frustrated. I never asked for nor approved for a Capital One Visa card to be issued in my name. I only keep one major credit card and I don't want this card, especially since it has an interest rate of 30 %. I don't know who in their right mind would open a credit card with a 30 % interest rate! This has been a waste of my time dealing with all of this and having to keep making calls to resolve. I am concerned about how it will impact my credit if I now close the card which will be more work on my part having to call and cancel it.

Does a credit card company have the right to issue a card in my name without my permission? This does not seem legal. I am looking for guidance with how to resolve this.
Product: Credit card or prepaid card

In 2020 during the pandemic I accrued three late payments on my Capital One Silver credit card. They offered a program that allowed customers to push back payments due to financial hardship with no penalty at the time. I applied for the program. I was told I did not submit paperwork and three months past due payments showed up on my credit report as result. 
I've had this card for over 7 years with NO late payments. I've been a great Capital One customer for years. 
I wrote several letters to Capital One requesting them to send letters to the credit bureaus to retract the three months of late payments as I submitted to be enrolled in their program. After several letters Capital One has not removed the late payments. It truly unfair how I was treated in this matter, my credit was damaged and my ability to access credit was hurt. This prohibited me from having access to loans and homeownership.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report I seen so fraudulent account and inquiries on my Transunion report. I tried to get items with FTC and police report but Transunion is still reporting this false information
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello on XX/XX/2022 I sent a inquiry removal letter and FTC report to EQUIFAX and received a computer response by mail. Equifax sent me a letter claiming none of the inquiries I placed on my letter wasn't on my report when indeed they are still reporting the inquiries on my report. I attached the letter below. I called and all they did was tell me to resubmit the dispute by mail, which tells me they don't care.They dont understand this is hurting my record and tarnishing my character, They are brushing off my issue and not taking me serious. I know per the fair credit reporting act legally these unauthorized inquiries must be removed and blocked. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. My Info was also impacted by the Equifax data breach so I dont know who could have my information now. I do not want a fraud alert placed on my credit profile none whatsoever but I demand these FRADULENT inquiries be removed please. XXXX XXXX had no permission to pull my credit report or XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax withheld information about a security breach which lead to 143 million SSN 's and other personal information to be stolen. 

I was not informed of this and my information has been mishandled, which could leave to a lifetime of difficulty with battles regarding identity theft. I demand action be taken against Equifax.
Product: Credit reporting or other personal consumer reports

I contacted Experian approximately around XX/XX/2023 for the second time and demanded the following transactions be excluded from my consumer report because they violate my consumer rights based on the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Recovery The following codes below support my request to have the items above excluded from my consumer report. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my report and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct In accordance with the Fair Car Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been trying to cancel a subscription with Experian for days now. They do now allow you to cancel online or via email, require a phone call. Everytime I call it is a hour and a half wait time. I've done it twice now and still received no answer. I can not just leave my phone on hold for an entire day. 
I can not remove my credit card and can not cancel payment.