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

On XX/XX/2021, i received an email from Capital One Business Spark Checking, that they had noticed some suspicious activity and the accounts were on hold until some information could be verified. Friday, XX/XX/2021, I called the number that was in the email ( Fraud Department ), was told that the recent deposit of {$1400.00} that I had deposited in account XXXX couldn't be verified. So I gave the young lady my clients contact information. HOWEVER, she never verified the information and she has entered incorrect information into CO system. My client has signed a SWORN AFFIDAVIT stating that CO Fraud Department or anyone from CO has contacted him to verify his information. On that same day, Friday, XX/XX/2021, a gentleman screams at me and tells me CO has ended their banking relationship with me and I would receive a letter in the mail of why. He also stated that CO was going to make my clients bank take back the funds with regards to check {$1400.00}. My client felt like CO was saying he had done something wrong and said he spoke to his banker and told them NOT TO REVERSE any money, that he wrote the check and good luck to CO with that one. Now its Friday, XX/XX/2021, and I have no information from CO telling me why or when I will get my funds that were in the account. have been placed on hold, left messages, and tried my best to reach a human and every time it results with hours on hold and finally a message for me to leave a voice mail message and some one will call me back. HOWEVER that has not happed. My access to online banking was completely taken away, and i had not even printed XX/XX/XXXX bank statements. CO never reports on their statements of fees that is charged for overdrafts, however, after some research THAT IS VERY ILLEGAL WAS TOLD TODAY, FRIDDAY, XX/XX/2021 THAT IF WE WOULD GET OUR CLIENT 'S BANK TO REVERSE THE DEPOSIT, THEN THEY COULD SEND US THE BALANCE OF SAID FUNDS. This is because CO should be concerned, one of their people lied and didn't verify the information and said they did ... and said the check was fraud ... Which if it was FRAUD why did my clients bank HONOR THE CHECK, and why is capital one holding my money until my clients bank takes the funds back which would make it look like FRAUD... 

CAN SOMEONE PLEASE HELP..
Product: Mortgage

My mother died approximately XXXX year on XXXX XXXX, 2015. I resided in the residence with her for many years. My mother decided to take a reverse mortgage with Wells Fargo Bank. I have tried to work with wells Fargo and my estate attorney to get me appointed as the personal representative. I feel that wells fargo has been unfair and deceptive in dealing with myself and my mother during her life. My mother has NOT been vacated from more than XXXX year. Therefore the bank can not legal foreclosure and are in violation of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Experian and Explained that most of my account are listed as past due and negative although a Chapter XXXX Bankruptcy was filed in XX/XX/XXXX and Converted to a Chapter XXXX in XX/XX/XXXX. The accounts were updated as negative and Charged off since XX/XX/XXXX. Resulting in my account noting 34 past dues and negative status These accounts should've been noted once and not noted for every month since XX/XX/XXXX. 

I need all of these errors and unverifiable information and error deleted from my files. XXXX accounts that were duplicated and fraudulently opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit reporting and XXXX want give me information about a bankruptcy reporting on my credit I called the court and they said they are not showing any information, I talk to both repairing agency they said they are getting the report from a 3rd party but they are getting from the court house.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filled out application online for cheap car loans . .  XXXX  compani es did a credit check without asking my approval.
Product: Credit reporting or other personal consumer reports

I don't recognize this address please remove thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Equifax blocked me from accessing credit history, it 's verification list auto loans and bank accounts I never had and then block me from accessing account claiming information does not match, there is obviously identity theft of my account I am not familiar with any car loan or bank account they try to verify prior to providing access to my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I XXXX XXXX XXXX, try to apply for a credit card and was denied because of the incorrect credit reporting from Equifax, XXXX, and XXXX Credit Bureaus, so on XX/XX/2023, I send Equifax, XXXX, and XXXX Credit Bureaus, I sent them a letter informing that they are reporting incorrect information on my credit report, they reply that all the information was updated, I never had any credit cards, only debit cards, and I requested them to update my credit report and delete the incorrect accounts, 1. XXXX XXXX XXXX # XXXX 2. XXXX  # XXXX 3. XXXX XXXX # XXXX**** Today XX/XX/2023 I check my report with Equifax XXXX XXXX XXXX and XXXX, and the fraudulent accounts are still reflecting on my credit report, please help me with this issue, thank you.
Product: Student loan

I want loan discharged 100 % because the school I went to, XXXX XXXX College was not accredited. Also I could not complete school due to medical issues.I want loan from Navient taken off my credit report as well.
Product: Credit reporting or other personal consumer reports

NARRATIVE My personal information was used without my permission to open fraudulent unauthorized accounts. I have contacted credit bureau and furnishers to report the inaccurate information being reported to my credit report that needs to be blocked and deleted. I am now contacting law enforcement to report the identity theft below Unauthorized fraudulent account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

My student loan SAVE plan reflects a payment I can not afford. I tried to get it redetermined, but their website still displays the incorrect higher amount. I can not afford to pay ANYTHING right now or for the foreseeable future, unless something changes. I have tried to reach them countless times. Each call is met with XXXX hour hold times, and calls are always disconnected before they are answered. Most days I start calling when they open and have been disconnected while on hold XXXX times throughout the day, giving up when they close. Every day for months. I also have submitted several requests to be contacted via their website email form, also without any response. My payment counts only show from XXXX, however I have been paying since XXXX, qualifying me for discharge. The balance is incorrect as well. Additionally, they are reporting on my credit report absolute nonsense that does not coincide with the amount they say I owe or anything else I can find. This has cost me considerable XXXX XXXX points. I feel this is likely illegal. How can I be expected to pay an incorrect amount on an incorrect amount, while simultaneously having different incorrect amounts reported on my credit, and just... ignore it and pay, hoping they straighten it out eventually?
Product: Debt collection

XXXX XXXX XXXX, NELSON , WATSON & ASSOCIATES , LLC AREVIOLATING THE " DODD-FRANK ACT BY COVERING UO FOR XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, AND OTHERS, RESPECTIVELY!
Product: Vehicle loan or lease

I took this company 24 hours to cost me 2 jobs, because of there error. I was advised since I was unemployed for the month of XX/XX/, I was placed on the payment plan of {$20.00} every 2 weeks. I made those payment as agreed. Tuesday evening, my car was Repo 'd. I called and was given the a lie reason, that my payment was late by 1day. Not my fault there system processed it late. Then I spoke to a supervisor and was told a different story. In total I spoke to 4 different Reps 2 of them managers, 4 different story 's. They wanted a total of {$840.00} to obtain the car back. Now how am I suppose to do that when I lost both of my job in one day.
Product: Credit card or prepaid card

They have been reporting this close account as charge off since 2019
Product: Debt collection

This company is sending me text messages and emails at all times of the day and night. Even on federal holidays, including XXXX and XXXX XXXX XXXX. The harassment from this company has been non stop and very unprofessional.
Product: Credit reporting or other personal consumer reports

During the timeframe of XXXX XX/XX/XXXX, I experienced identity theft. There were several accounts that were opened without my authorization. I attempted to resolve the issue with the reporting agency but they did no investigation & came to the conclusion that those accounts were authorized by me.
Product: Mortgage

I closed on this home XX/XX/XXXX. 
The loan was originally with XXXX XXXX, XXXX. On XX/XX/XXXX Planet Home Lending took over. I had already provided a tax exemption document from my local tax assessors office. The issue took 3 weeks to get resolved, the property taxes was removed. In the mean time the insurance side ( of Planet ) had to verify the HOI was done. It was verified and I received a copy of the insurance being paid ( {$2600.00} ) and cashed on XX/XX/XXXX. On XX/XX/XXXX Planet sent another payment for {$2600.00} to the HOI. Planet had no recollection of any previous payments. Although XXXX XXXX has already sent me a copy of the payment from XX/XX/XXXX. This put my escrow account in the negative approximately {$2000.00}. My property taxes finally got removed. The double HOI payment Im still waiting on a refund back. Now the property taxes have been added back on. When its already been verified of the exemption. Per Arkansas statue 26-3-306 this needs to be removed as I am a 100 % SERVICE connected PERMANENTLY XXXX Veteran.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 around XXXX or XXXX XXXX  I noticed that there was an inquiry on my credit report showing for both Trans Union and XXXX so initially the next morning I called Trans Union and XXXX and I told them that this inquiry was not authorized by me, and therefore should be removed I was then instructed that I need to contact XXXX  XXXX so thats what I did. I contacted XXXX XXXX and XXXX XXXX said XXXX we have no records of any inquiries that were placed on your credit. Therefore we cant send a letter to Trans Union and XXXX disputing this because theres nothing on file saying that you apply for credit I then contacted XXXX and Trans Union once again on that same call and had the XXXX  XXXX representative explain what was going on however, I received no help. I only received the runaround. I was hung up on me and the XXXX  XXXX agent, and at the end of everything I was told that the XXXX  XXXX agent had to get off of the phone because they cant do conferences at Transunion. I spoke with a XXXX XXXX from XXXX, who instructed me that the only way the inquiry could be removed, was from a letter which XXXX XXXX could not provide so now I am contacting the CFPB to get this inquiry removed from both my credit consumer reports because it is fraudulent and it was an authorized by me.
Product: Credit card or prepaid card

After locking my card in early XXXX I was billed for a transaction that I did not authorize & US Bank has violated the truth in lending act as shown in the attachment
Product: Credit reporting or other personal consumer reports

Transunion is reporting inquires I have reached out on several occasions to get this matter resolved. They have refused to take this off of my credit report. This is inaccurate and aggravated identity theft and is stopping me from reaching a good quality of life and is adding terrible situations to my life. It is horrible, please help me. These reports are inaccurate and causing personal injury.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : According to FCRA Section 605B, its illegal to report anything on my credit report without my permission. 

Please remove the following inaccurate information : XXXX XXXX XXXX Simple account number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Bank account or service

I was overdrawn on my account and was charged XXXX in fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUD

THIS ACCOUNT SAYS CLOSED BUT CURRENT
IT DOESNT MAKE SENSE, NOT MY ACCOUNT
ONCE AGAIN I WAS BED RIDDEN WITH COVID FOR OVER A YEAR SICK MULTIPLE TIMES, I HAD A XXXX  SCORE BUT NOT A XXXX, MY CREDIT HAS BEEN RUINED OVER THESE ACCOUNTS
ayment Status	Current
Past Due Amount	--
Highest Balance XXXX  Monthly Payment	XXXX
Times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

OPORTUN XXXX XXXX XXXX  fraudulently opened a credit card in my name. I have since forced them to close the credit card which I never activated as I did not want their credit card. However, the {$25.00} annual fee was not removed. I called on multiple occasions to have the fee removed and was assured that it would be removed, even here on the CFPB 's online platform in a response to my complaint from OPORTUN XXXX 

Yet today I received an email notice claiming that the annual fee as due! 

Hi XXXX, Your Oportun XXXX XXXX XXXX payment of {$25.00} is due today. There are many convenient ways to pay : Online If you have an online account, log in. If you dont, you can create one today to pay online with your checking, debit card, or savings account. 

By phone Call XXXX to use your checking, debit card, or savings account for a one-time payment, or set up automatic payments. 

In person Pay in cash at any XXXX location nationwide, including inside XXXX and XXXX. Bring your Oportun account number. Use receive code XXXX. 

To learn more about your payment options, visit Oportun.com/payments or call us at XXXX. Online and phone payments must be made by XXXX XXXX to credit account same day. 

Impacted by COVID-19 and worried about making payments? We can help. Call XXXX. 

Thank you, Oportun Oportun XXXX XXXX XXXX XXXX XXXXssues by XXXX, Member FDIC I immediately called Oportun Visa, and was told by a customer representative named XXXX, that the fee had not yet been waived although the account was closed and that she had pressed the button to commence the process of removing the fee! 

Due to the fraudulent action of this company in opening an account against my explicit instructions not to, and their demonstrated incompetency in removing the annual fee to date, it would prove imprudent to trust their ability and or willingness now. Therefore, I am submitting again a new complaint against them for their continued fraud against me!
Product: Money transfer, virtual currency, or money service

Hi there, I made a trade on XX/XX/XXXX through the website https : //localbitcoins.com/ with someone named XXXX XXXX XXXX XXXX XXXX XXXX XXXX his LocalBitcoins profile is XXXX I sold him XXXX Bitcoins for {$1500.00} which he paid through XXXX, I XXXX verification before completing the transaction and he sent me a photo of his SSN which is XXXX and a photo of him holding his ID which is XXXX with a paper saying that he sent me {$1500.00} with his account ending in XXXX non-refundable, then a couple of hours after we completed the transaction he called the Bank asking for a chargeback claiming I scammed him which is not true since we already gave them the Bitcoins he paid for, the Bank blocked my account the same day, took the money from there and gave the money back to him on XX/XX/XXXX, the bank was also going to close my account even after many calls and sending all the photos that I have, I was only able to get my account re-open again but they just said they would not give me back my money after recognizing that we did nothing wrong and the fraudulent acts of the other person. I have photos of everything
Product: Debt collection

A XXXX from Allegiant Capital threatened with taking me to court and scared me into paying XXXX $ over the phone. They keep calling me and my work place even though I clearly asked them not to. They would not send me a receipt or any paperwork about what the debt is about or that I paid XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that Transunion is reporting hard inquiries on my consumer report from companies that I never applied credit to. I first contacted the companies and they directed me to contact Transunion, and they directed me to file ftc report which I will attached The companies are XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX
Product: Debt collection

I got a collection notice in the mail from LVNV funding for a debt that was already settled. I wrote them a letter on XX/XX/2022 within the 15 day period after they sent the letter asking them to validate the debt and to cease and desist all collection efforts until they could prove there was a debt owed and they own the debt. The company never responded and still proceeded to report the account on my credit report on XX/XX/2022. This is highly illegal and this company is still in business regardless of them repeatedly violating federal law.
Product: Credit reporting or other personal consumer reports

XX/XX/year> To : ( CFPB ) Consumer Financial Protection Bureau XXXX : Formal Dispute Regarding Inaccurate Information On my Credit Report Dear, CFPB I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a formal investigation into these inaccuracies, as required by federal law Recently the Consumer Financial Protection Bureau filed a lawsuit against XXXX for their failure to properly investigate consumer disputed, citing XXXX XXXX and other harmful practices. These practices, as outlined by the CFPB include : Conducting inadequate investigations that fail to address consumer disputes properly Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that may be mishandled in a similar manor. 
Please review the inaccurate information being reported. 
XXXX. Under the FCRA, you are required to conduct a proper investigation into my dispute XXXX. Inform me of the results if the investigation XXXX. Ensure the accuracy of the information If the investigation concludes that the information can not be verified or remain inaccurate, I request the immediate removal or correction of this information from my credit report Furthermore, I request written confirmation of the actions you take in response to this dispute. 
I look forward to your response Thank you for addressing this matter promptly Sincerely XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Originally I opened a Synchrony Bank JCPenny card on XXXX/XXXX/XXXX. On XXXX of XXXX fraud was committed on the account and the Balance was sold to a debt collector. I have spoken to the debt collector XXXX XXXX and they have agreed to remove the debt from my credit report. However, JCPenney continues to report to CRA 's as a Charge -off. 

I 've explained dozens of times that fraud was committed on my account and they have yet to help. I 've disputed this many times and still have no resolved actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dept of Nelnet is reporting my student loan account as derogatory. They are reporting late payment from XX/XX/2017 which was declared illegal to report transactions history to credit bureau. This account should be discharged due to the school I went to is listed on the fraud list XXXX XXXX XXXX I disputed this several times with each credit bureau.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. I have listed the reported accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX XXXX for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit card or prepaid card

Never received a bill for my amount due. Contacted Kohls and paid the balance and requested paper statements. Kohls filed a bad report on my credit report and it brought my credit score down almost 80 points. I think this is unfair.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FOR THE COMPANY TO DO WHAT IS FAIR AND EQUITABLE TO ME AS A CONSUMER AFFECTED BY THE XXXX XXXX BREACH BY DELETING THE ITEMS IDENTIFIED AS IDENTITY THEFT.
Product: Checking or savings account

On XX/XX/23, I clicked on an ad for XXXX magazine. The offer was for {$20.00}. I was charged {$49.00}. I asked for a refund. The company sent a full refund. Wells Fargo only credited me {$29.00}. I have called twice and they will not help me. Wells Fargo is committing fraud by keeping the {$20.00}.