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

I am being penalized for making additional payments on my account which were not made on the due date. Additional payments were made prior to the due date. I called and spoke with two different representatives and they stated, because my payments were not made on the due date, it is not allowing me refinance my loans, basically penalizing me. They suggest i only make payments on my due date in which I will continue to incur interest when I could be saving or avoiding extra interest. I was then hung up on because I asked them to provide me with something in writing. My loan document states that i will not be penalized for making early payments. I have never been late, all my payments have been made on time. My loan agreement was signed on XX/XX/XXXX and per my loan agreement, the first payment will be 30 calendar days after the loan has been funded. My first payment was made on XX/XX/XXXX for the payment amount of {$330.00}. Another payment of {$100.00} was made on XX/XX/XXXX and from there on my payments have been automatically taken from my account on its due date which is the XXXX of every month.
Product: Payday loan, title loan, or personal loan

I have had a HELOC with Wells Fargo Bank for @ 9 years. During that time I made all the required payments. I called the bank in XX/XX/XXXX requesting COVID forbearance.They placed the account in forbearance without explaining to me that at the end of forbearance I would not be simply reinstated, but I would have to REAPPLY for the loan. Not one comment was made about the process. They requested numerous and detailed documentation of income and financial status which I supplied. In the end they decided not to grant me the loan because my income has declined ( I am XXXX, work as XXXX  3 days a week in a practice I have owned since XXXX and my wife had to retire due to COVID ). My complaint is that I WAS NOT INFORMED that I could be denied credit if my financial status had changed. I thought they would simply reinstate the loan. I would have not entered into forbearance had I known! Needless to say I am very angry. I spoke with upper management and they just said that this was a new policy with the bank and there was nothing that they could do. Im sure the bank is protected in the small print of the HELOC contract but I should have been told UP FRONT IN PLAIN ENGLISH what was going to happen. Hope you can help. thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have ask all three credit companys to remove these accounts off my profile as it is not a clear picture of who i am i have never lived in the state of MS and i see many of these accounts listed in that state they have not removed them yet after two attempts of reaching out in the form of letters.
Product: Credit reporting or other personal consumer reports

FCRA 605B obligates you to remove any mistaken accounts from my credit report. Could you examine the documents? Some accounts listed have inaccuracies in their reporting, showing incorrect amounts and dates.
Product: Checking or savings account

I just filed a police report with the Summit Police Department in New Jersey. The latest The police report number is XXXX. 

Below are the sequence of events happened with Robinhood : Fraudsters reactivated my Robinhood brokerage account, which I closed in XXXX, withdrew {$1000.00} and {$3000.00} in two transactions from my linked XXXX XXXX account ending in XXXX on XX/XX/XXXX. 

Around XXXX XXXX  on XX/XX/XXXX, I first contacted Robinhood support and alerted them of the fraud activity since I received XXXX text messages with authentication codes between XXXX XXXX  to XXXX XXXX  on XX/XX/XXXX. I requested Robinhood to make sure not to activate the account. Robinhood case number XXXX. 

Around XXXX XXXX  XX/XX/XXXX, I received another text message with authentication code ; another email at XXXX XXXX  XX/XX/XXXX that notified me my personal information has been updated successfully. The login was changed to XXXX. I immediately emailed XXXX, XXXX to report the fraudulent activities. I requested a call back from Robinhood website; was able to speak to XXXX from customer service, and was given a case number XXXX. 

Around XXXX XXXX  XX/XX/XXXX, I called XXXX XXXX to alert them of the fraud activity at Robinhood. XXXX XXXX closed the account ending in XXXX and asked me to go to the XXXX XXXX branch the next day to open a new checking account. Obviously XXXX XXXX didn't put a stop payment to Robinhood at that time, only closed the account. 

Around XXXX XXXX  XX/XX/XXXX, I went to XXXX XXXX summit branch, opened a new checking account ending with XXXX. 

Around XXXX XXXX  XX/XX/XXXX, I saw XXXX posted transactions on the new XXXX XXXX account ending XXXX, XXXX transactions in the amount of XXXX and XXXX with a post date of XX/XX/XXXX. 

Around XXXX XXXX  XX/XX/XXXX, I called XXXX XXXX ; XXXX XXXX filed a fraud claim ( XXXX ) against Robinhood, put on a stop payment to Robinhood ( reference # XXXX ). 

At this time around XXXX XXXX  XX/XX/XXXX, Robinhood status is still reviewing my account. Since XX/XX/XXXX, I emailed them throughout the day everyday alerting them of the fraud activity and requested to freeze/delete my account. And since the fraudster changed information on the account, I can not pass the verification process at Robinhood using my name, SSN, birthday etc. Robinhood customer service and fraud department refused to talk to me. I tried three times this morning and got hung up each time. The fraudster completely took over my account, and Robinhood didn't take any action on the fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, BCA Financials added derogatory marks on my credit reports per XXXX XXXX and XXXX Upon further research, this account was transferred/sold and I'm no longer responsible for the account. Debtor creditor did not verify this collection. Also, there was no written form of communication, contact or signature for this accused debt at all, a bill without a signature does not validate the debt and anybody can send a bill and say it mines. According to the FCRA, BCA Financials has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Checking or savings account

Without warning or notice whatsoever all Banking and cash transactions to include Bill pays and ATM withdrawals wire transfers Etc were terminated and have no access to any funds in my account again with no clear defined day as to when this problem would be fixed or rectified. Company refuses to take accountability as a place all the blame on the banking provider of XXXX XXXX XXXX XXXX
Product: Credit card

XX/XX/XXXX Cfpb Re : BofA On XX/XX/XXXX I applied, online, to Bank of America 's transfer card advertisement, was APPROVED online, but the website kept throwing an error notice then required me to call their service number XXXX. I was forced to sit through an absurd reading by the agent of all the stuff I had already gone through online. It was about 40 minutes. When the rep informed me I was APPROVED ( again ) then announced the Bank would only cover XXXX of my XXXX transfer amt wanted I informed said clerk to IMMEDIATELY CANCEL THE CARD. 

I was never allowed to speak with a supervisor, couldnt transfer me. Blah blah blah. I told her do not send me anything to my email, just cancel. 

Bank of America IGNORED my insistence to stop this account its now messed up my credit as the account shows OPEN so I was denied credit elsewhere. BofA went ahead sent me a card with info package to my snail mail address which I REFUSED. I tried emailing these people many times over. NO RESPONSES. I called them, got the run around and then told they did cancel on XX/XX/XXXX. 

I was notified in email today, XX/XX/XXXX, my credit score was lowered by XXXX points BECAUSE IT SHOWS THIS CREDIT CARD IS OPEN AND ACTIVE!!! I'm tired of trying to fix a problem they created for me!
Product: Credit reporting or other personal consumer reports

I keep getting denied by XXXX XXXX XXXX, while simply trying to open a simple XXXX checking account with capital one. They say my score is high risk when it clearly is not, as its XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to express my concern regarding Zelles handling of disputes, highlighting the recent CFPB lawsuit against Zelles mishandling payment discrepancies. Despite using Zelle n many times and reporting numerous errors and reaching out to customer support, they have failed to investigate my claims adequately. CFPB indicated Zelle has failed to protect their customers and even allowed exploiters to repeat the scams on vulnerable consumers. This lack is accountability and transparency is unacceptable and raises serious concerns when handling consumers finances.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX and On XX/XX/XXXX XXXX XXXX   ran my credit without permission. XXXX XXXX needs to be removed as well because that case is closed. XXXX also needs to be removed
Product: Money transfer, virtual currency, or money service

Someone got my login information I have never given to anyone and XXXX dollars was transferred out of my account fraudulently and Wells Fargo denied my claim and closed my account. I submitted a police report to the XXXX XXXX police department and notified Wells Fargo. They alleged I transferred the money myself even though I said several times I have never have given my login information to my account to anyone. They also lied on the correspondence they sent me saying they opened me a new account, no the bank refused to do service with me and a new account was never opened. I did not make for 4 wire transfers out of my account to a XXXX XXXX  I dont know who this guy was and had never done business with him. Wells Fargo did not follow correct protocol. I was working when I received suspicious emails about my account and I called right away to say I did not authorise and transfers or even know how to use a wire transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is my 16th attempt to complain that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. I found out that under section 605b of the FCRA Experian Credit Bureau is required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these items : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy XXXX XXXX XXXX  XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2019 Balance Owed : {$0.00}
Product: Mortgage

I have a discharge on a Chapter XXXX Reorganization as of a year ago this XX/XX/XXXX. The mortgage servicer company, Ditech, bought the mortgage from GreenTree and has failed to move me from BK status to normal servicing, has failed to provide a monthly statement, failed to provide loan balance, credit for all monthly payments made since I obtained a Confirmed Plan in XX/XX/XXXX, XXXX District Bankruptcy Court. I contacted CFPB when I was initially being abused by GreenTree, you failed to help me, I ended up in Chapter XXXX, with case costs of {$150000.00}, to protect my estate including my real estate which I rely on for retirement ; perhaps now you can do something - this is a straightforward violation around consumer lending disclosure, fair credit reporting.
Product: Payday loan, title loan, or personal loan

Total amount of car loan was paid in full ( XXXX ) the company ( portage financial services ) they stated the amount was not accepted. The reasoning was told to me that the payment was to large. I have an email confirmation and also a confirmation of payment from the sigma website saying the payment was accepted. A convinience fee pf XXXX was also paid. The company called me stating i had to bring money to them personally because it was not accepted, but in the website the confirmation shows that it went through. I asked them to send me the statement directly from the bank showinge exactly why the payment was reversed. They claimed they would send me an email i hBe recieved mothing. Everytime i call ro the company to speak to the manager she is always unavailable. I have 2 recorded calls from the manager and also the woman handling my account as well..
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report on XXXX I identified a discrepancy with my account listed under NATIONAL CREDIT SYSTEMS and a validation request was requested as this is an account I do not recognize. I reviewed my credit report again on XX/XX/2023 and the accounts continue to reflect on my credit report as ACCURATE and I have not received any correspondence from the creditor correctly validating nor has my credit report been updated to reflect the account is disputed therefore a 2nd attempt to validate was sent. After reviewing my account on XX/XX/2023 there were still no updates and the account is still reflecting negatively on my report. I do not believe this debt belongs to me and I do not believe this creditor has authorization to access this account nor has authorization to attempt to collect on the account and this account continues to negatively affect me. Please strike and remove the account from all XXXX credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit Bureaus asking them to verify the debt on my credit report. They sent back a letter stating everything is verified I called them and told them theres still inaccuracies on multiple accounts and they said they cant do anything 15 U.S. Code 1681s2 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. 

XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several errors, discrepancies, and unrecognizable accounts that are appearing on my credit report. I have carefully reviewed the information provided by your agency and have identified the following inaccuracies : XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 
XXXX
Product: Credit reporting or other personal consumer reports

Hello! I hope this message finds you well. I am writing in regard to an account that appears erroneously on my credit report with XXXX, XXXX and Experian. The account is labeled XXXX, account number XXXX. The account is listed with XXXX XXXX XXXX as a charge off. When I spoke with them, they did confirm the account was paid in full at that they requested it be deleted with all three credit bureaus XX/XX/2020.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/year> Jefferson Capital LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Cease and Desist Communication Under 15 USC 1692c ( c ) Account Number : N/A Dear Jefferson Capital I am writing to formally notify you that I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c ( c ). This section of the law mandates that upon receiving written notification from the consumer, a debt collector must cease further communication except under certain circumstances, such as to confirm receipt of the notice or to advise of legal remedies. 

Accordingly, I request that you immediately cease all communication with me regarding the account referenced above. This includes, but is not limited to, phone calls, emails, letters, and any other form of communication. 

Furthermore, I dispute the validity of the debt you are attempting to collect. Under 15 USC 1692g, I request that you provide verification of the debt in writing within 30 days of receipt of this letter. Failure to comply will result in my pursuit of all available remedies under the FDCPA, including filing complaints with the Federal Trade Commission and the Consumer Financial Protection Bureau, and seeking damages in court. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XXXX XXXX, XXXX I received a notice from my credit monitoring service that they detected new activity on one of my financial accounts. 
I looked at their information and saw that it indicated an Account was being opened with Well Fargo. 
Since I had not opened any accounts with Wells Fargo, I immediately contacted Wells Fargo along with my Credit Monitoring service and opened Fraud cases. 
I requested that Wells Fargo freeze and close out all accounts in my name and social security number given I did not have any banking with them. 
I also contacted all 3 credit bureaus and requested my credit to place a fraud alert on my credit and lock my credit. 

Wells Fargo opened Fraud Case Num : XXXX. 

In XXXX XXXX I was surprised to receive a checking account statement from Wells Fargo. 
I called the Wells Fargo Fraud line several times. Their wait times are VERY long... Waited well over an hour one day and had to hang up due to other commitments. I did eventually get back through and talked with a representative. 

I am concerned in that the representative would not share any of the findings from the fraud investigation. The rep. claims that the account has not been closed. I requested written confirmation to be sent to me showing that all accounts in my name and social security number have been closed. 

It concerns me that Wells Fargo did not close the account sooner since I reported the fraud immediately ( XXXX XXXX, XXXX ) and the account was still open end of XXXX, XXXX. 

Am I entitled to learn the findings of their fraud investigation?
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is paid off and still shows balance on the account. 2nd account was never late shows late, I have auto payments for the account.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 - 30 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief.

CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
ACCOUNT NAME : Conserve DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, The following accounts has violated my rights : XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/2023 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