23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Mountain Summit Financial deposited money into mine and my wife 's checking account on XX/XX/20 in the amount of XXXX. That was not requested nor authorized. This had happened one time before with this company and my wife spoke with them back in XXXX about it. They are doing this thinking we won't notice it and then have to repay them the money with interest a ridiculous interest charge. This is fraud plain and simple. When my wife spoke to them back in XXXX they insured her that it was flagged and it would not happen again. Well here it is, it happened again. I also spoke with my bank and they said on their side it is nothing they can do, the only thing we would be able to do with them is close our checking account and open another account, which means we would have to change our info with all of the other companies that we have set up to do our bills and our work direct deposits, which we would only do as a last resort. This needs to stop.
Product: Debt collection

CITI BANK XXXX XXXX XXXX XXXX. TOOK OUT DOUBLLE MY MONEY.
Product: Checking or savings account

Cash app account was closed stating I had suspicious activity and they decided upon themselves to close my account. I reached out to customer service serval times and never reached a solution. Cash app was my main source of receiving my payments. The experience was terrible and explanations were very vague. My account was closed on XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I have noticed some unauthorized and fraudulent inquiries on my credit report. 

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 The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Product: Checking or savings account

I opened a Checking and Savings account with US Bank. As a US Bank Employee. 

When I attempted to login online, I found out that there was another email address AND phone number I have never used, or known, that was listed as my account. That had access to my funds. That I sent money to from my primary life savings account.
Product: Credit reporting or other personal consumer reports

DELETE FRAUD ALERTS Equifax FRAUD VICTIM. 'INITIAL ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. DAYTIME XXXX XXXX
Product: Money transfer, virtual currency, or money service

American Express Sent me a marketing on XX/XX/XXXX. 

I have received other marketing material from American Express since XXXX. I have made requests with XXXX XXXX and XXXX XXXX XXXX XXXX None of the requests have been honored and i continue to receive marketing materials from American Express. I am very upset that this continues to happen and i would like it to stop. I have applied for the The XXXX XXXX XXXX Credit Card from American Express and the The XXXX XXXX from American Express. I have been declined for both and i have asked not to get any further marketing from the companies because of this. I have every right to use the opt out and the XXXX  to stop solicitations. Yet, American Express does not respect my requests and they continue to solicit at their leisure despite my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

Account Name : # XXXX XXXX XXXXXXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : Convergent Outsourcing Account # XXXX, has violated my rights. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I have XXXX mortgages ( my husband and I own XXXX houses ). No surprise, XXXX mortgages have been transferred to other companies. XXXX companies charge us an " online processing fee '' for paying on line. This makes no sense at all! They do n't have to pay someone to open a letter and process the payment, it 's less secure to mail the payment, and the payment is recorded online anyway. The companies are Specialized Loan Servicing, in XXXX, and XXXX, in XXXX.
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I have had a business XXXX card with Bank of America for over 20 years. Starting last XXXX of 2021, I had reported a fraudulent billing of " XXXX SEASON PASS '' with the billing from XXXX XXXX. My card was cancelled and I was issued a new card. This required me to contact some XXXX of my vendors who bill my card monthly for services such as XXXX, my dental labs/suppliers/water/software, etc. I provided the new card data and apologized for the late/inconvenient payments that resulted. The charges were indeed found to be fraudulent and I was refunded the money to my account. These charges kept re occurring each month, in different amounts, from the same source to each of my new card for some XXXX more months. B of A software pulled these charges as '' denied '' as their software Identified it as bogus, however each time I had to notify them to confirm the fraudulent charges and they insisted on issuing me a new card each time. I had to notify/apologize to my XXXX vendors each time. This went on for XXXX consecutive months. Numerous phone calls and hours of my time on hold, being transferred and such wasted some XXXX hours of my time in this matter. When asked why this keeps happening, I was told it was a communication problem on their end with the vendor. Exasperated, I quit using the card and began a number of phone calls to ask how my private information ( new card number ) was given to this new vendor to bill to without my permission. I have never done business with this vendor yet they are given access to my new card, resulting in another cancellation, new card and problems with my vendors which reflects negatively to me and my business. Promises to have some one research my complaint file # XXXX have gone un-fulfilled. I have made over a dozen calls to provided numbers and names with no call back connection. I have reached a dead end as the company is now basically non responsive.
Product: Credit card

Hi there a inquiries in my credit report without my permission or my authorization please I need it to be removed XXXX XXXX  ( XXXX  ) XX/XX/XXXX XXXX/XXXX  ( Finance ) XX/XX/XXXX XXXX/XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX 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 OF XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Credit Acceptance Account # XXXX To whom it may concern, Thank you for taking the time to help me get this corrected. 
I purchased a new vehicle ( XXXX XXXX XXXX XXXX XXXX ) in XXXX of XXXX and I financed it through Credit Acceptance. Unfortunately I fell behind on my payments due to XXXX XXXX and had 6 late payments from XX/XX/XXXX to XX/XX/XXXX. Since the late payments were due to work shutdowns due to XXXX XXXX, I was told that as long as I continued to make my payments on time that my account would be reported as current, XXXX XXXX, or no information provided. In order to protect my credit I continued to make all the payments on time and even paid off the loan early on XX/XX/XXXX. Unfortunately Credit Acceptance reported and still is reporting that my account was severely delinquent throughout XXXX and XXXX on XXXX, 3 late payments on XXXX, and zero late payments on XXXX. All 3 reports are reporting different information from Credit Acceptance concerning my account. This is not only inaccurate, it is unlawful. They are required by law to only report true and accurate information. Due to these inaccuracies, I have experienced more expensive auto insurance, higher credit card rates, and I am unable to purchase a home. I need this corrected as soon as possible. Thank you.
Product: Debt collection

From XX/XX/XXXX to now XX/XX/XXXX XXXX advised not my debt. They keep calling and leaving messages on my answering machine
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act entitles me to dispute any information on my credit report that I believe is inaccurate. This law requires that all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what's being said! You are required to maintain and report data with complete accuracy and compliance. You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards XXXX XXXX, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This complaint serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report. If the listed claims are found to be inaccurate, please provide accurate and verified information for each claim, as the allegations are not true. If that is indeed the case, I will delete them immediately.
Product: Credit reporting or other personal consumer reports

My credit file on Equifax has been mixed with someone else. I have submitted XXXX disputes and a CFPB complaint and the issue was not resolved. The rules say I can no list personal information, but my name is mixed with someone elses on Equifax. 

There is a name that keeps showing up on my Equifax report that is NOT mine & was NEVER a name used by me. 

You can review all XXXX of my active credit line accounts, my bank information, driver 's license ( which I submitted in multiple disputes ) to see that the listed name does not belong to me. 

This is not correct and I want this persons name removed from my report immediately. My legal first, middle & last name from my social security number, driver 's license, and all legal documents does not have a single name in common with this person. 

I have attached XXXX documents showing my identity. Remove the wrong name from all aspects and previous Equifax reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been a very difficult year with credit in every way you could think of. Ive recently received alerts on my credit products on XXXX, Experian, and XXXX. I have been affected in the past and I dont know why your company continues to place unrecognized and inaccurate inquiries on my credit file. The following inquiries were placed on my credit file as of XXXX XXXX, 2017. No one contacted me to get my consent and that is a definite violation of The FCRA sections 604, 609, 611, 605B. I have attached a letter, and several photos as well. I am really frustrated with your credit Bureau and Im now filing a lawsuit against XXXX, Experian, and XXXX for placing false inquiries on my credit file without my consent. Seems like you guys are treating this situation as a joke and I find that to be unprofessional. Please do not place no fraud alerts on my credit file. Just contact me in the future or have all creditors contact me for new future account. You should be ashamed of yourself for not taking the proper precautions to insure my credit file. I have contacted each bureau and have been placed on uncomfortable hold on the phone, supervisors hanging the phone up on me. I have spent hours on the phone trying to contact each Bureau when I was aware of this matter. No one is cooperating with me and i am left with no choice but to approach this situation through legal actions. There is no respect because I am unaware of the inquiries and this has been a situation that has been on going for the entire year and Im tired of the bs. You have caused major XXXX and more symptoms to my physical body and my mental capacity. Please be aware that you will have to pay court fines and a fine of {$20000.00} for causing damages to my mental health. I need to be compensated with a check that will pay my doctor bills. You can negotiate it with my lawyer. I am no longer in discussion with your company at this point since I have filed a lawsuit. 
Inaccurate Inquiries : 1. XXXX XXXX 2. XXXX 3. XXXX 4. XXXX XXXX 5. XXXX 6. XXXX XXXX 7. XXXX 8. XXXX XXXX 9. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXXt Account # XXXX Account # XXXX Account # XXXX, Has Violated My Rights 15 U.S.C 1681 Section 602 A. States I Have The Right To Privacy.

15 U.S.C 1681Section 604 A Section 2 : It Also States A Consumer Reporting Agency Can not Furnish A Account without My Written Instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, My name is XXXX XXXX XXXX. 


I have been dealing with Equifax for almost a year trying to correct an error with my name. 

I have again, and again, and again, try to correct an error in my report with Equifax. They have me listed as XXXX XXXX XXXX! 

My name is NOT XXXX XXXX XXXX! 

My name is XXXX XXXX XXXX!. 


A few weeks ago I spoke with an Equifax employee who claimed to be a supervisor, but was clearly lying, as they will do anything to keep from getting there contacting a supervisor tally up. 

The poorly trained rap did not speak enough English to do their XXXX job, which is messing up my XXXX life. It is literally keeping me from being able to get credit or get a mortgage. 

This lying, poorly trained, poorly English-speaking rep actually deleted my proper name from the report when I had told her the Erroneous name is XXXX XXXX XXXX! 

THEY DELETED XXXX XXXX XXXX. 

AND KEPT THE WRONG XXXX XXXX XXXX!!! 


Please help me!!! 

This has not been resolved for over a XXXX year and they have now made the XXXX insane mistake, a staff member that was clearly not a true supervisor. 


Attached is a copy of their investigation report showing the insanely XXXX mistake they have made XXXX up my life!!!
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my TRANSUNION credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: Bank account or service

I do n't know where to start with 'WellsFargo '' I Have paid all my accounts with wells fargo they have sent me letters stating that everything has been paid and reported to XXXX and XXXX yet the have lied and continuously left me out and the dark they have the XXXX stating that they will not remove me because of fraud really look how many of their employees have been FIRED OF FRADULENT ACOUNTS AND SCAMS yet they sit they and judge me when they hired a bunch of crooks serious I made mistakes I 'm not proud but I never defrauded anyone like your employee they even closed my bank account because I 'm XXXX I was dating rich white man and he wrote, me checks for bills and etc.And the bank teller told me that I was a XXXX and I should be ashame of myself in the branch in front of everybody put me to shame because I 'm dating a rich XXXX these are the people representing wellsfargo I never in my life been so humiliated another personal banker PUSH ME OUT THE BANK YES and they gave me my money in the parking lot I 'm not not making this up I still witnesses til this very dare and I 'm still with same XXXX who left wellsfargo because of this incident who are these people where did they come from they sholudnt get away with this, I want my named cleared.
Product: Vehicle loan or lease

I purchased a used vehicle XX/XX/2015 and made XXXX of the XXXX payments required to pay off the car unfortunately the vehicle fell apart literally and could not even be traded in toward the purchase of a new vehicle from the same dealership WITH THE SAME FINANCE COMPANY. I voluntarily surrendered the vehicle in XXXX XXXX my credit report actually showed this information. I requested a current report as suggested in COVID19 and found that the car is showing as VOLUNTARY SURRENDER THERE MAY BE A BALANCE DUE : FIXED RATE AND THAT THE STATUS HAS BEEN CHANGED TO 90-119 DAYS LATE. JPMCB auto finance has sold the balance and once again trying to charge even more money for the car. WHICH THEY PICKED UP AND SOLD AT AUCTION- the payment when I had possession of the car was {$280.00} monthly my credit report is now showing {$790.00} PAST DUE ON A VEHICLE I NO LONGER ON AND WAS RETURNED TO THE COMPANY AS REPORTED BY JPMCB AUTO FINANCE XXXX
Product: Checking or savings account

I wasa incarcerated while in XXXX, NV. All my belongings were in my vehicle at the time. Someone went into my vehicle and used my debit card for a number of transactions on my account. i filed a dispute with Wells Fargo. They investigated with no communication or without asking me any follow up questions and then denied the claim. They did not ask for any paperwork showing I was incarcerated and when i asked if they needed that I was told no.
Product: Debt collection

This company reached out to my employer the week of XX/XX/XXXX. They advised our CFO that they had a garnishment for my wages. I immediately called down to the XXXX County Court building and spoke with a representative at the garnishment desk because I had not been served any formal documentation advising of a garnishment. 
I was advised that there were no garnishments under my name at the time of the call. 

I relayed this message back to our CFO. He told me that we would address the issue upon his return. I took the liberty of researching this company online because I had never done any business with them, nor have I been advised of any potential debt owed in writing. 

I even reached out to this company through their published number for customer service and no one has called me back to discuss this matter and/or provide paperwork verifying this debt. 
I noticed there were several complaints against this company for arbitrarily taking the wages of hard working people under the guise of a " wage assignment ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

5 reported missed payments after receiving a waiver program during a pandemic. This has destroyed my good standing credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Charge-off XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX  XXXX XXXX XXXX