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

Dear CFPB I wrote by mail to you in XX/XX/XXXX; explained below in detail. Please see summary ; On XX/XX/XXXX ; I was notified by other investors, customers and employees that my ( now ex ) business partner investor frauded the company, customers and all the funds sent by me, all the credit cards, loans since XX/XX/XXXX ; in amount exceeding $ XXXX. I also immediately contacted credit cards, credit score companies by phone ( hours spent ), loan companies, banks, and I was told this was " a civil matter '' to be brushed off and they didnt ask or go after the perpetrator who used XXXX XXXX XXXX to fraud me and others. All 11 banks and loan companies refused to help me. So I went on a search, this is not as they claim a civil matter. THIS IS A FEDERAL crime, and all the records will show that I begged pleaded with these companies, yet they continued and still continue to come after me. I then by email, mail contacted my senators, law enforcementand and law offices of XXXX XXXX in XXXX who handled XXXX XXXX case, to prosecute him. I am writing to inform you to inform all credit card companies, loan companies, credit score companies and reply to me that you received my letters. All the cards and loans in my name XXXX XXXX are used and my funds by this perpetrator, samet siper and his accomplice XXXX XXXX. I ask you to notify these banks as well. As the perpetrator committed a crime of fraud, false documentation, fraud invoices, investment scam, identity theft, tax fraud among many others, I thank you for your support in advance. You can also contact my attorney XXXX XXXX and direct these banks : XXXX XXXX He | Him | His Partner XXXX XXXX XXXX XXXX XXXX NY XXXX T XXXX M XXXX XXXX XXXX Kind Regards
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : " XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit card

I made two card - Hilton Honors American Express Card/Hilton Honors American Express Surpass Card with the introductory offer of XXXX point when spending {$2000.00} during 6 month of opening. I spent more than {$4000.00} for express card and I was not able to get the intro offer that I was promised. I even contacted a representative on XX/XX/XXXX to confirm my offer and the representative told me that I have introductory offer that I know of. This is a copt of message that I received from representative And for the Hilton Honors Card can earn XXXX Hilton Honors Bonus Points after {$2000.00} or more in eligible purchases are made on the Card within the first 6 months of Card Membership. I am attaching screenshot. 

Later after I spent all the money I was not able to receive the offer and when I talked to representative they told me I did not have the offer. 


I was mad and I canceled the card from amex but I am hoping that I can get this resolved.
Product: Credit reporting

Hello, I have called the collections account on my credit report and I do not remember opening let alone using this account with XXXX. They insisted the account was mine without any written proof, other than this rude guy, looking at his computer screen and insisting me that the account is mine. I was checking my credit report before I ship out with the XXXX to defend our nation, so, this came to a real surprise to me. Please assist me in having this account removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. The following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( a ) 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, credit repair services, or other personal consumer reports

Sw credit systems keep reporting when I let it be known I am in a XXXX XXXX situation and had to flee. 
XXXX XXXX XXXX XXXX is not honoring it either!! 
XXXX XXXX let him fraud my account by getting services turned on there after I left. 
XXXX XXXX is not honoring it either due to the fact it's stuck on my credit report and when I have it removed it goes back on there. 
XXXX, XXXX, XXXX have let her all pu I on here when I disputed on why iiti isjould be gone. No one honor the law
Product: Debt collection

I have tried to contact Midwest recovery Systems, on several occasions one on XX/XX/XXXX and then again on XX/XX/XXXX and both times I requested to talk to a supervisor and both times I was transferred to a voice mail and I have left a message both times with no return call, the alleged debt is for {$260.00} and Midwest received it on XX/XX/XXXX and on XX/XX/XXXX was reported to my credit report, I was never notified regarding this alleged debt from 2015 is when Midwest is saying it was originally from. I have requested verification on the debt but Midwest never verified my address in order to send the verification of the debt too
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX account is NOT mine!! I have more documentation including the info proving that I was a victim of the XXXX data breach.
Product: Money transfer, virtual currency, or money service

I signed up for a money services platform called Wise. My partner and I tried to add funds to make a purchase. The wire transfer went through for the Wise company to add the funds to the account but they refused and even tried to proclaim they never received the transfer. We have tried to get a refund completely because the company is not putting it in the account and continues to give us the run around asking for all the same proof of transfers and other documents for a refund that they have requested. 

They have tried to send false emails that say it was sent and everything, but as of today, they have told us the transfer was sent back again and they are requesting all the same information from the bank again. They are trying to run out the clock for us to be able to make a claim as well as get our money back and they are trying to charge us every step of the way for services they haven't provided and would not even be able to claim if they had done their job in the first place. 

My partner and I have both exhausted every option but I will not let a company just blatantly steal $ XXXX from me and my partner.
Product: Credit reporting or other personal consumer reports

I sent in ftc report along with proof of identity for the company to remove fraudulent information and they did not give a correspondence after 45 days. I also called customer service twice and got different responses from 2 different representatives
Product: Payday loan, title loan, or personal loan

The company charged me for items and has been billing me for items that I did no purchase or receive. This is very aggravating as I have tried discussing and they still have advised they will continue to bill me. They have charged me more than double multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my most recent credit report. Upon review, I found an account that is not mine and is being incorrectly reported on my credit report. The account is with XXXX XXXX XXXXXXXX with a balance of {$1200.00} and an original creditor of XXXX XXXX XXXX This account is not mine. It may belong to my father who has the same name. Since we are estranged I have no way of knowing.
Product: Student loan

I applied for the SAVE plan in XX/XX/2023, and the application is still pending. I also made a large payment of {$12000.00} in XX/XX/2023 before student loan interest was reapplied after COVID to lower my principal loan. However, they applied the entire payment to interest even though I specified it should be applied to principal. 
My XXXX XXXX  monthly payment was not adjusted after the large payment, and I was incorrectly told by Mohela that the {$960.00} payment amount was the IDR adjusted amount. My account was put on administrative forbearance while they process my application. However, during this administrative forbearance period while they recalculate my actual monthly payment, Mohela has continued to withdraw $ XXXX month from my account! 
Calls to Mohela have gone nowhere. I asked to speak with a more experienced customer service representative because even though the girl I was speaking with was friendly, she clearly did not understand what I was trying to explain. She explained she would not be able to transfer me as they were told to stop transferring to supervisors. After spending over 2 hours on the phone, I got nowhere. I have had to call Mohela several times, blocking off several hours each time to speak with someone. I have XXXX children under XXXX XXXX XXXX and work full time. This is nearly impossible for me to accomplish. 
What brought me to write this complaint is the worst mistake. I have been receiving emails from Mohela that my account is over 30 days past due, even though I have been paying MORE than I actually owe. I just had {$960.00} withdrawn from my account on the same day that I received a notice asking for me to call and make a payment. I have no idea how to resolve this issue and I do not have confidence in Mohela.
Product: Credit reporting

I receive an offer of credit today from a company that I know nothing about. The company 's name is balance credit. Once I called to inquire about how this company received or obtained my personal information I was told by a service representative supervisor that the information was transferred over by TransUnion. I immediately called TransUnion to dispute items on my credit report as well as let Trans Union know that I am NOT giving them permission to sell solicit or trade any of my personal information for the purposes of optaining credit through third party lenders. I explained to TransUnion that I felt violated and that I was very upset about the fact that my personal credit information was solicited to a third party without my prior approval. I then asked to be removed or opt-out of any solicitation services immediately. All I have ever done with Trans Union was request my credit report within the last 60 days. I never requested to be added to a mailing list.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXXXXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

RE : {$500000.00} Loan Requirement the Day Before Closing? 
Loan ID : XXXX Loan Amount : {$100000.00} Mortgage Consultant : XXXX XXXX XXXX XXXX ID XXXX Sir/madam : Yes it 's true. We learned about a Wells Fargo mortgage approval condition requiring we put {$500000.00} into a Wells Fargo account the day before our closing. Not only was this a complete surprise to us, it felt like blackmail. Let me explain. 

We 've purchased several homes in our lives and this one was by far the smallest. We were asking for a {$100000.00} loan for a studio in a resort area of XXXX, Colorado. We knew up-front the approval of said loan would require special approval because of the resort status but were assured that because we were putting more than 20 % down, had excellent credit and income, we were good candidates. We also had over {$100000.00} in our Wells Fargo account during the process. Wells Fargo also carries the mortgage of our current home. As mentioned, the special 'resort ' approval was n't a surprise but the fact that a {$500000.00} deposit was never mentioned until the day before closing and was conveyed as a necessary requirement for loan approval was a complete and utterly disturbing surprise. If we had known about this bizarre requirement at the beginning of this process, we would have ceased all efforts with Wells Fargo. 

Needless to say, we refused to participate in what seemed like extortion and were ultimately denied. In addition to having to grapple with this unexpected and disturbing situation, we were informed we 'd be losing our {$5000.00} earnest money because we did n't receive loan approval as scheduled. This is an issue we 're dealing with via the broker 's office but it is important you understand the full fall-out of this mishandled situation. We will be pulling our {$100000.00} in cash from Wells Fargo and putting it elsewhere in coming weeks. 

I have informed the Consumer Financial Protection Bureau and requested this matter be investigated. I 've also notified The Wells Group Real Estate Brokerage.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently started to gain interest in my credit and building it due to my mom, I made an account with identityiq to get a full report and noticed multiple unauthorized accounts as well as unauthorized inquires on my report and I'm lost on the fact that whoever was able to steal my identity or information, I was/am not aware of any of the accounts or inquiries. The fraudulent accounts are listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The fraudulent Inquires are listed : 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax won't removed fraudulent inquires. They failed to updated the correct amount on student loan. I filed a dispute on XX/XX/2023 and they complete it that fast on XX/XX/2023. I contacted the XXXX in XXXX Tennessee . They stated not my inquiry. If not removed legal action will be require against Equifax.
Product: Credit reporting or other personal consumer reports

I initially needed only {$5500.00} loan to cover minor home repairs & pay down debt ( several accounts open with approximately {$45000.00} credit line of creditcarrying approx {$6500.00} debt absolutely No late payments ) present credit score ranging from 770 to 750 In the last +one week I contacted several lenders shopping for the best interest rates I first went to my mortgage lender, was told the amount was too low for XXXX XXXX & they did service secured small loans not personal loans No problem applied at several lending companies each making hard pulls on my XXXX  lender strongly advised to not borrow {$5500.00}, but $ XXXX said lets try crunching the numberssaid it was doable provided all the documentation passports mortgage statements income verifications etc as soon as I finished giving him all the info he said I was not qualified for any loanthe last one OneMain lender said it would be no problem at 34.99 % to 35 % payable 4 to 5 years I mentioned that I had a decent credit scorethey in turn said I recently made too many inquiries I just checked credit scores one was at XXXX thats a XXXX point drop in one week Message was clear XXXX credit score is credit unworthiness? 
I need help!
Product: Checking or savings account

am filing a formal complaint against Bank of America for improperly closing my account and unlawfully withholding my deposited funds. Bank of America initially informed me that I needed to deposit funds to keep my account open, stating : Please add money to your account ( s ) as soon as possible if youd like to keep it open. In response, I immediately deposited {$13000.00}, but instead of confirming the deposit, the bank placed a hold on the funds, stating : We placed a hold on a check you deposited at a financial center. The full amount isnt available yet. Shortly after, the bank closed my account without returning my funds, and I never received my check back or my deposit money. This action violates multiple federal banking and consumer protection laws, including the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693f, which requires financial institutions to promptly investigate and resolve errors involving withheld funds, and Regulation CC ( 12 CFR Part 229 ) - Expedited Funds Availability Act, which limits the time banks can hold deposited funds. Holding my deposit, closing my account, and refusing to return my money violates these provisions. Additionally, this conduct constitutes an Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ) under 12 U.S.C. 5531, 5536, as it misled me into depositing funds only to have them seized. Bank of Americas actions further breach Uniform Commercial Code ( UCC ) 4-214, which requires banks to act in good faith when handling customer accounts, and Federal Reserve Regulation E ( 12 CFR Part 1005 ), which grants consumers the right to receive their remaining balance when an account is closed. Given these violations, I demand that Bank of America immediately return my deposit of {$13000.00}, either by mailing me a check or transferring it to my designated bank account. I also request that the CFPB investigate these unlawful banking practices to prevent further consumer harm. Please confirm receipt of this complaint and provide updates on the next steps.