23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX/23 I discovered my checking/savings accounts were violated. The total amount was {$6000.00}. Which includes my checking/ savings accounts. I notified Wells Fargo claims department who documented claims. The claims department advised me to close my accounts and get my phone checked for suspicious activity. XX/XX/XXXX23 I went to my local police department they advised me to go to my bank Wells Fargo to close accounts. Same day went to my bank spoke to XXXX XXXX. She reviewed claims said it would take 8-10 business days on XXXX/XXXX/23 I received a letter from the fraud department stating these XXXX transactions were authorized by me and no processing occurred. As such Wells Fargo closed my case. XX/XX/XXXX I met with the manager advising her that I never authorized the XXXX transactions. In fact I never used XXXX services. The branch manager indicated she would escalate my response to obtain a resolution. XX/XX/XXXX I received a phone call from XXXX in the fraud department the claims were denied and she could refer me to another department. She could not assist me further.I went back to the bank the same day. Spoke to XXXX XXXX I wanted the XXXX account removed. She told me it couldnt be removed and claims were closed. She was unable to help me further.
Product: Credit card

XXXX XXXX opened on XX/XX/year>. 
I am reporting a fraudulent account found in my credit report.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered a fraudulent collection account listed on my XXXX, XXXX, and XXXX reports, as well as on LexisNexis. This misinformation is significantly impacting my credit score, hindering my job prospects, and impeding my ability to secure a car loan. I urgently require immediate resolution of this matter. Removal of collection and correction of balances, removal of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This creditor has violated my rights under 15 U.S.C 1681 Section 602 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 an 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: Credit reporting or other personal consumer reports

My repeated efforts to resolve the issue of false, inaccurate, and misleading information on my consumer report have been futile. These entries have severely disrupted my life, causing substantial stress and XXXX. As an identity theft victim, I must emphasize that I never authorized or consented to have this information linked to my name.
Product: Payday loan, title loan, or personal loan

On XX/XX/2019, an authorized amount of {$600.00} was deposited by Leap Credit into my checking account. I looked at my emails and found a message from Leap Credit saying that my loan request had been accepted - that I should login to sign the agreement and that I should complete the bank verification to complete the loan. I did not sign an agreement and I did not complete the bank verification. I went to their website - I was able to login with my email account and social security number. I found a contract ( it says Request ) in their system with my name ; however, it had incorrect information on the request pertaining to my birth date, pay dates, etc. I contacted Leap Credit by phone and email telling them I did not take out a loan with them. I also looked them up online - finding various nightmare situations where Leap had deposited money into people 's accounts without their authorization. I immediately contacted my bank, filled out a Written Statement of Unauthorized Debit and had the money returned. The transaction was reversed and the amount returned to Leap Credit on XX/XX/2019. I have been going back and forth with LC and have provided all my bank documentation ; however, they still say I owe on the loan and that they never received the money back. I don't know what else to do. Please help! I have documentation if needed.
Product: Debt collection

Around XX/XX/2021 I reached out to arrange a stipulated judgment agreement/payment plan, as XXXX XXXX XXXXXXXX were suing me on an old credit card debt/breach of contract. I have previously entered into such agreements with other firms and never had an issue, once discussed, they were happy to agree and submit documentation to the court. We arrived at an agreed amount, I was informed of many things, including I'd need to sign papers as to our negotiated agreement ( which arrived very late, but that's fine ). I had made it clear this was a stipulated judgment and, at no time, was this corrected. A few weeks later I received notice that a default judgment would be entered against me. When I asked the firm about this, I was informed " because you didn't contact the court ''. This had never been the case and I was given to understand this would be a stipulated judgment. I receive the unprofessional reply of " oh, we don't really do those. But you're still on a payment plan, so it's okay ''. This gives an unfair advantage to the firm, which, obviously, had I known they were planning on proceeding thusly, I would ; ve contacted the court, myself to avoid this from happening. They also failed to fully disclose their intentions, on multiple levels, all FDCPA violations.
Product: Vehicle loan or lease

I had the loan since XXXX with payment of {$530.00} monthly and still paying on the loan in XXXX because interest rate is higher than the legal amount. Interest rate is 23 % which only knocking off a couple hundreds a yr. I had a deferment not knowing it made my interest rate go up higher than on the original loan
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, BethPage ran a hard inquiry on my credit report with XXXX. Prior to applying for an account, I called and was told that it would be a soft inquiry
Product: Credit reporting or other personal consumer reports

I just looked at my credit report on XX/XX/year> and noticed that some of the information is incomplete or inaccurate and according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The accounts listed below are not complete and accurate : XXXX XXXX ( account # XXXX ) The opened date is not accurate, payment status is incorrect, High credit is not reported correctly, date last active and date of last payment is incorrect. 

XXXX ( Acct # XXXX ) Date late active is inaccurate XXXX  ( Acct # XXXX ) Date opened is incorrect, date last reported is inaccurate and High credit and credit limit is not reporting accurately. 

XXXX ( Acct # XXXX ) The date opened is inaccurate, High Credit and credit limit are not correct, and date last reported, date last active and date of last payment is inaccurate XXXX  ( acct # XXXX ) The date opened is inaccurate, the date last active and date of last payment is not reporting accurately. 

XXXX XXXX XXXX ( Acct # XXXX ) The credit limit, past due, last reported date, date last active and date of last payment are all not reported accurately. 

XXXX XXXX Acct # XXXX ) The date opened, the high credit and credit limit are reported inaccurately. The date last reported in inaccurate. 

XXXX ( Acct # XXXX ) The date opened in inaccurate. The high credit, date last reported, date last active and date of last payment are all inaccurate. 

XXXX ( Acct # XXXX ) The date opened, high credit and credit limit are all inaccurate. The Last reported date, date last active and date of last payment is also reporting inaccurately.
Product: Student loan

Dating back to XXXX, my student loan monthly payment has been due on the XXXX of each month with a grace period lasting up to the XXXX of each month. My statements clearly state, " Pay Past Due Amount by <Date that grace period ends> to avoid Late Fee ''. On all but one or two instances, I have met that deadline, submitting payments on the XXXX and received email confirmations that state payment has been " Scheduled for <Date that grace period ends> ''. In addition, when I log into my Navient account and review my account history, the payment dates all show XXXX or XXXX ( with the one or two exceptions I noted above ).

Despite meeting the payment deadline stated in my monthly statements, I have incurred late fees on 9 occasions in the past 24 months. On XX/XX/XXXX I called Navient and spoke with a customer service representative to discuss the late fees I incurred. The explanation that I was given was that payments can take 24-48 hours to process AFTER the date that the actual payment was submitted and this is the reason for the late fees being charged. I explained that information is not provided to the borrrower in any way - not in the payment confirmation email, not in the monthly statements, not in any of the correspondence sent by Navient ( loan documents, account history, email ). This lack of notification is preventing borrowers the opportunity to rectify the issue ( adjusting payment dates to take into the consideration of the 24-48 hour processing delay ). 

With every other bill I pay, those companies honor the date that payments were submitted, regardless of when the payments are actually processed, and no late fees are charged. I don't understand why Navient fails to handle payments in the same way and borrowers need to be made aware of this in every way possible - when they log into their accounts, in the payment confirmation emails and stated clearly in the monthly statements so that they can make necessary adjustments to avoid being charged late fees when submitted payments on the day the grace period ends.
Product: Money transfer, virtual currency, or money service

I used the Chase app to send a {$1000.00} transfer to my own XXXX XXXX account using XXXX. When I was confirming the amount and pressing send I noticed the receiver information had sent to that of a contact I had in my phone book but did not know personally or had ever sent money to before. I immediately called the bank and they told me they would open a dispute and would reach out with their findings. After a couple of days I called back and they told me nothing could be done. The person who the money was erroneously sent to stated they didnt receive it since their account is closed.
Product: Credit card

" You earn XXXX point for every {$1.00} you spend on all other purchases. '' This is their claim for my Chase Sapphire credit card. On XX/XX/year> I spent {$21000.00} and received only XXXX in Chase Rewards points. I filed a complaint to Chase and received no feedback. I also tried to call and after talking to robots for 15 minutes, got a person on the phone who hung up on me. After XXXX more tries, I finally got connected to someone in XXXX I couldn't understand so I hung up. I see this as consumer fraud and a scam to get people to use their credit card. I would appreciate any help you can provide in contacting this company that tries every way possible to ensure that you can not contact them. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a account with this company ( XXXX  ) to help with adding positive reporting accounts on my credit report. They're 1 of many companies that consumers can pay a monthly or annual fee for the company to report a positive account balance and credit limit without the customer having physical access to that line of credit ( Authorize user type account without physical access to account ). I ended up having 2 accounts with this company, not Intentionally. My initial account was established XXXX of 2021. I was happy with the reporting in the upcoming months and happily paid the {$2.00} a month for my POSITIVE reporting account. 6 to 7 months later I damaged my phone a receive the new device. With this new device I had to set up all my apps again. I went to login to my XXXX account and had troubles. I ended up having to put my information into the app just to be able to gain access. At this point I'm under the impression that I just went through a verification process in order to access my original account. Apparently I created a 2nd account unknowingly. 2-3 months later after consistently paying my original account thinking that I was paying my full obligation of {$2.00} a month as expected, my credit score dropped like a brick because of Delinquent 90 day late payments and a closed account being reported by XXXX. I looked at my credit report and I noticed I still had a positive reported account with XXXX. Still confused I went to the app to investigate and noticed the 2nd account. I reached out to XXXX  and explained that I was unaware that i had 2 accounts with them and the 2nd was made by accident. Note that my original account was in great standing and i never made a payment on the 2nd account that was opened. With that simple observation you would recognize i was totally unaware. Why would I be responsible with 1 account just to be totally negligent with the other? I kindly requested an opportunity to resolve the delinquent account to change the reporting status. I was rejected with a statement that said its my fault and I have to deal with it. I became extremely angry and tried to explain in more detail why it's not fair. I was gaslite in emails responses stating when an account is closed it can't be opened and a newly closed account will temporarily affect my score and its nothing to worry about. I didn't ask at any moment to reactivate the 2nd account, my only request is that it would be removed from reporting. It has been blatant neglect to resolve my reported late payments because they stopped answering my emails. This company is supposed to help report positive information yet they're not willing to help revise a mistake that wasn't intentional instead reporting harsh information to my credit report that's preventing me from getting the funding i need to start my business and purchase a home. 



The account is being reported as paid on time and delinquent all at once under XXXX XXXX and Equfax.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Equifax credit report, an account with XXXX XXXX appears twice, with both items open and reporting different balances, monthly payments, and credit limits. The inaccurate information shows a last payment of XX/XX/2016 - when the XXXX account switched to XXXX XXXX and has now switched back again to XXXX. XXXX and XXXX BOTH report this information accurately, but Equifax does not. I filed a dispute with Equifax, who has not been helpful. I contacted XXXX  and they said they show only 1 active account and will not assist or contact Equifax on my behalf as they believe there is no error. No one will listen to me or help me. I want the inaccurate information OFF of my credit report with Equifax. I want my Equifax report to look the SAME as XXXX and XXXX, which both have the correct information. Neither Equifax nor XXXX will take responsibility for this error!
Product: Credit card

Care Credit Account was closed due to inactivity. Attached is a letter requesting information as it pertains to the account. I ask that the letter is properly assessed and that all details are addressed. 30 days is being given in order for Company ; Synchrony Bank to review and address all information.

Thank You.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Auto Loan with account # XXXX opened on XX/XX/year> and a balance of {$10000.00}. 

In accordance with the Fair Credit Reporting Act 15 USC 1681 S-2 section ( D ) ( A ) the term reasonable cause to believe that the information is inaccurate means having SPECIFIC knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. This account has been resolved and deleted due to inaccuracy and no provided proof of the charges by the other national consumer reporting agencies ( XXXX ) so where is EXPERIAN proof of the charge offplease provide the proof and update the balance to {$0.00} or delete the negative payment status on this account. 


XX/XX/XXXX Secured Loan with account # XXXX opened on XX/XX/year> and a balance of {$0.00}. 

I dispute the missed payments and late payments on this account ; in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 0 2 states I have a right to privacy ( 15 USC 1681 section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. 

Collection account fromXX/XX/XXXXXXXX with account # XXXX and a balance of {$1700.00}. The original creditor XXXX XXXX. 

I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it OR delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a settlement for over XXXX made for XXXX XXXX. I had ask them I would like for this to be removed once resolved. They took the money and have not Removed this account from off my credit reports. I have reached out to.both XXXX XXXX and XXXX in which neither has done anything. Nor provided me with written proof that once paid they would not remove this account off my credit report. That's all I asked and or wanted them to do once payment was received. Payment was received I. XXXXXXXX XXXX XXXX, yet they have not done their part by removing this item. Please help me. Thank you.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing in response to your correspondence regarding the inquiries that XXXX XXXX XXXX placed on my credit report. Your explanation cited a " permissible purpose '' under the Fair Credit Reporting Act ( FCRA ) ; however, I contest this claim based on the following legal grounds : 1. Violation of 15 U.S.C. 1681b Permissible Purpose According to 15 U.S.C. 1681b ( f ), a creditor may only access a consumers credit report if they have a legally permissible purpose, such as : In connection with a credit transaction initiated by the consumer. 

For the review or collection of an existing account. 

In response to a court order or federal grand jury subpoena. 

Your letter claims that an application was submitted through a third-party financial services website. However, you have failed to provide concrete evidence that I, as the consumer, personally authorized such an inquiry or initiated this transaction. 

2. Violation of 15 U.S.C. 1681e Reasonable Procedures Under 15 U.S.C. 1681e ( a ), you are required to maintain reasonable procedures to ensure that credit inquiries are made only for permissible purposes. The lack of verifiable authorization raises serious concerns about the adequacy of your procedures.

3. Failure to Provide Proper Validation Under 15 U.S.C. 1681g, I am entitled to a full disclosure of all information in my file, including the precise reason for your inquiry and the method used to verify the legitimacy of the transaction. You have not furnished : A signed contract or application that shows my explicit authorization.

Detailed information about the third-party website used, including the IP address, date, and time of the alleged application. 





Demand for Immediate Action Immediate Deletion of Unauthorized Inquiries If you can not provide verifiable proof of my authorization or initiation of the transaction, then these inquiries must be deleted from my credit report in accordance with 15 U.S.C. 1681c-2 ( a ).

Full Documentation Provide complete documentation that proves the legitimacy of these inquiries, including : Copies of any application forms or agreements with my signature. 

Detailed logs showing how my personal information was obtained and verified. 

Review of Your Procedures Conduct an internal review of your processes to ensure compliance with 15 U.S.C. 1681e ( a ) and prevent unauthorized access in the future.

Notice of Escalation and Legal Action If you do not comply with the above demands within 15 days, I will : Pursue legal action for willful non-compliance under 15 U.S.C. 1681n and 15 U.S.C. 1681o, seeking damages for unauthorized credit inquiries and any resulting harm to my credit score.
Product: Checking or savings account

I opened two accounts at BMO Harris, one personal and one business ( for my rental property ). 

Simple Business Checking Account # XXXX opened on XX/XX/XXXX Relationship Checking Account ending in XXXX opened on, I think, XX/XX/XXXX I then deposited money into each of these accounts. 

The personal account received a {$25.00} opening deposit from XXXX XXXX  on XX/XX/XXXX, and then on XX/XX/XXXX I redeemed an I-bond worth {$11000.00} from Treasury Direct into this account. I believe the current balance should be {$11000.00}. 

The business account received a transfer for {$11000.00} from XXXX XXXX  on XX/XX/XXXX. I then used it to make some credit card payments, so I believe the current balance should be {$10000.00}. 

Sometime in XXXX I noticed that I was not able to log into my BMO account anymore. On calling them, I was told that my accounts had been frozen and I would hear from their fraud department " soon '' so that I could verify myself and regain access to them. That never happened. Eventually, in XXXX I called back and asked again for an update on these accounts, and this time I was told that the accounts had been closed as of early XXXX. 

I asked how I would be receiving my funds back, and I was told that I needed to contract the banks from which I transferred funds into these BMO accounts and request that they issue a " recall '' on the transfers. That sounded strange, but I did reach out to XXXX XXXX ( XXXX  XXXX  ) and Treasury Direct. Both told me that they had no ability to issue a recall for transfers that had already been accepted by the recipient bank over two months previously. I then reached out to BMO again to explain what I had been told by these institutions, and they told me they had no further information for me. 

I'm hoping that the CFPB can help me retrieve these funds that BMO seems to be holding, and which I seem to have no ability to reclaim otherwise. 

Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to purchase a vehicle. I spoke to a sales person in regards to said purchase and he stated once we found the vehicle which we were looking for he would run my credit. Well he stated and agreed that my credit would not be pulled until we found the car. We never found the car that day ( XXXX XXXX,2017 ) yet on the following day my credit was pulled by his sales manager as he  was n't present with the sales counselor of record when we spoke about finding the car and applying for a loan. I spoke to the sales manager he apologized for it as he stated he was unaware and that he would write a letter illustrating this mistake and contact his boss so the inquiry would be removed. The inquiry is still reflecting on my credit report and has not been removed.
Product: Payday loan, title loan, personal loan, or advance loan

loan from one main financial has a current lawsuit and inquiring if my loan was affected during this time period