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

On or about XX/XX/XXXX I visited the XXXX website and selected a CD offer by XXXX XXXX XXXX -FDIC insured for a 12month period at 3.04 % APY. 
I followed the invest arrows and duly completed the account application form and faxed it as instructed to XXXX. The application was accepted and in discussion with the officer from XXXX XXXX XXXX I was informed that his bank was a subsidiary of the XXXX XXXX, XXXX XXXX, WI - FDIC # XXXX and that he was a broker agent for the collection of deposits in CA. On XX/XX/XXXX I wired the funds {$250000.00} as instructed to WELLS FARGO BANK XXXX XXXX, XXXX XXXX for the credit of his broker collection agent XXXX XXXX XXXX XXXX. I eventually received an account opening confirmation for the CD. 
On XX/XX/XXXX while in preparation for my tax filing and collection of my IRS 1099-INT I called XXXX XXXX XXXX on XXXX and found the number to be out of service. I immediately called XXXX XXXX, XXXX XXXX, WI who stated that they had no knowledge of my account and had no association with XXXX XXXX XXXX. I then called the FDIC who informed me that this was a known bank fraud and suggested I contact the CFPB. I later met with my branch manager at XXXX who instigated A RECLAIM OF THE FUNDS ON WELLS FARGO BANK- no response as yet. I also filed ic3.gov FBI report and have informed the CT Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 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: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am the Authorized Agent for the name XXXX XXXX XXXX requesting this block for the name of my PERSON.
Product: Debt collection

In summary : The company sent an amount of approximately XXXX to collections which is now {$2500.00}. 

Background : I signed a joint lease with my XXXX  from XX/XX/XXXX, XXXX XXXX, XXXX, for a rental at XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX We lived apart for many years and had this cohabitation arrangement for the duration of the lease. I notified the leasing office in XXXX and XXXX that I was no longer at the property, and I was moving out and left my keys. 

Although I had been living elsewhere before XX/XX/XXXX, I kept my obligation to pay the lease out and removed the remainder of my belongings at the end of XXXX, moving those items into storage located in another city. The remaining items on the property belonged to my ex. Im now trying to buy a home, and this has popped up on my credit, unbeknown to me. 

I am surprised since I provided my XXXX  with enough financial resources through the divorce to cover more than what she would owe in rent, plus she moved another adult into the property after I left. The office agreed to allow her to stay. She later was notified that she could not gain approval to lease on her own. I was out of the picture at this point and had nothing to do with that agreement. Based on principles and what is fair and lawful, I should not be held responsible for someone elses debt. I paid the rent from XX/XX/XXXX- XX/XX/XXXX and do not owe anything additional as my lease was up, plus I left the deposit. 

I sent a letter and they are supposed to investigate the complaint after XXXX when they are back in the office. I need this resolved quickly to move forward with my home purchase.
Product: Vehicle loan or lease

Company blocked ability to remit payments online citing returned payments however the company was furnished with bank memorandum and police report advising wallet lost/stolen and accounts closed as a precaution Payments previously established were resubmitted they have cost me hundreds with additionally fees for no reasons multiple reps stated they were resetting never happened then they said 6 months I said I sent you proof before this happen yeah I know shtty policy exact words from their reps Additionally extension processed for XX/XX/XXXX XXXX XXXX and XX/XX/XXXXXXXX during death of immediate family if i didnt think they were bad enough any company that XXXX  someone over during the most difficult time in their life is beyond concerning and I will exhaust every legal remedy to correct I also made a payment and changed the due date during the time in question to go towards interest in XX/XX/XXXXXXXX so not possible for it to be 30 days late also in XXXX they said it was extended because due date was processed and it wasnt even the date I requested
Product: Checking or savings account

The Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear sir, I have received an email from XXXX. Previously, the other email sent from same address was treated as spam ; therefore, I do not believe it as legal email. I opened the account of the Bank of America and do not recognize XXXX XXXX XXXX. I received the call from XXXX several times, but I prefer the communication by the message and notification system of the Bank of America. 
Sincerely,
Product: Checking or savings account

Dear CFPB, I am writing to file a formal complaint against Mercury, a fintech banking service. My account with Mercury has been unexpectedly blocked, and despite multiple attempts to resolve the issue with their customer service team, I have not received any satisfactory response. 

Details of the Complaint : Account Holder : XXXX XXXX Account Type : Business Banking Description : My account was blocked without prior notice, which has severely impacted my business operations. I had significant transactions and client payments scheduled during this period, and the blocked access to my funds has caused financial distress. Despite numerous inquiries and attempts to contact Mercury 's support team, I have not received any clear explanation or resolution.

Attempts to Resolve : I have contacted Mercury 's customer support multiple times via email, requesting an explanation and immediate unblocking of my account. All efforts have been ignored or met with unsatisfactory generic responses.

Impact on Business : The blocked account has resulted in missed payments from clients and disrupted business operations.

I am unable to access my funds, which is critical for my business continuity.

I request the CFPB to investigate this matter and assist in facilitating a resolution with Mercury. I seek immediate unblocking of my account and access to my funds, along with a clear explanation for the blockage and steps to prevent such occurrences in the future. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

I settled with XXXX XXXX on a debt which I dutifully paid for a year. Gamache and Myers tried to collect a sum over and above the agreed upon amount - not by much, maybe less than {$100.00} of what was agreed upon, but when I closed the account believing that we had settled the agreement, they then rescinded the agreement with XXXX. I was represented by a lawyer who made this agreement, when Gamache and Myers contacted my attorney separately by phone to negotiate this agreement. I repeatedly tried to call G & M to straighten this out, and the representative was rude and hung up on me and would not give me receipts of payment or discuss the matter with me. That was over 4 years ago, and now I'm being sued for this same debt that I already paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing about a Bankruptcy ref # XXXX that is reporting on my Transunion/XXXX/XXXX credit report. I have filed numerous investigations in efforts to having this public record removed both by phone and by letter most recently XX/XX/XXXX and it came back Verified as Accurate XX/XX/XXXX. They all LIED about being able to verify the reportings. Under the new law effective XX/XX/XXXX any public record data must include Name/Address as well as SSN or DOB for it to appear in your credit file. Transunion/XXXX/XXXX has failed to update their information and per the new law the Bankruptcy does not include all the required information & should be deleted from my credit report.
Product: Credit card or prepaid card

InComm Financial Services , Inc. denied my transaction and kept the money. InComm gives the runaround and no one has answers while they deny being responsible. Attempted a purchase on XX/XX/2020 From XXXX XXXX which InComm Financial denied. However, InComm Financial kept the money {$50.00} instead of returning it to the card. I have proof of the denial and that InComm has kept the money. They have a fake customer service that offers no solutions and have taken no action to resolve my complaint or document my complaint. Could be located at : XXXX XXXX XXXX XXXX XXXX, GA XXXX http : //www.incomm.com ( XXXX XXXX XXXX
Product: Checking or savings account

Citibank refused XXXX IRS XXXX withdrawals from my account. Citibank did not notify me of the refusal. The IRS sent a letter on XX/XX/XXXX with late fees and penalties due to the rejection of the XXXX. Citibank has the worst customer service. They claim the account was marked inactive. I was not notified of inactive status and my statements said nothing. I was told me to send a letter to activate it. I sent the letter, which they acknowledge. Citibank told me the letter was not sufficient and the " back office '' sent me a letter on XX/XX/2024 explaining the deficiencies. The letter has never been received. When I try to call a branch almost 2 hours from my house to try to access the funds, my call is re-routed to the same customer service team, which can not verify the exact information required to access the account in person. The account was opened online.
Product: Credit reporting or other personal consumer reports

I recently checked my credit and notice that there are multiple fraudulent items on my credit report that I did not authorize. 

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681C-2 ) that you block 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 an Auto Loan opened at XXXX XXXX XXXX on XX/XX/year>. This account have resulted in several fraudulent hard inquires and fraudulent collections appearing on my consumer XXXX credit report. I have attached a list of the hard inquires in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account or hard inquires as reported. The aforementioned account, collections and hard inquires appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX agreed to remove the account completely from my credit file if the agreed amount was paid. I did pay the settlement and yet the three bureaus did not investigate the account otherwise they would have removed it from my credit file and not just report it with a XXXX  balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reported this 7 times over the last year, I submitted documentation that they requested ( proof of a {$0.00} balance on letterhead from the company ) and jumped through a ton of hoops. They refused to remove the XXXX XXXX balance account and they show my credit ages has one month and a bunch of other erroneous information. I've tried to get them to correct. It won't even let me submit the complaint to do more to them. 

100 % sure they've got me on some list that negates my disputes.
Product: Credit card or prepaid card

There were promotional purchases that had huge interest rate increases if not paid in full. The expiration was not properly highlighted to me as I use paperless statements. It is buried in the normal monthly statement and even though they send out a separate notice that a monthly payment is due and the amount and the date they did not send out a separate payment that the special interest rate was expiring. I think this is done purposely to incur huge interest fees on people that are otherwise unaware that the promotion is expiring a year or two after it is applied. 

Even normal credit cards will send an email notice of promotions or something that is about to expire that is separate from the normal statement. I think this is especially egregious on a card that is used purposely for medical expenses. It prays on a separate set of the population unfairly.
Product: Debt collection

XXXX XXXX shared my personal information with said collections without my consent which is a HIPPA LAW violaton.
Product: Credit card or prepaid card

lowes credit card, there was a charge on there for XXXX from another state and It was not in that state. I told them this and I told them until they fix it I would not pay. they did nothing. it has been several years and I have been denied credit ( low interest rates due to this ) I believe it has been over 4 years and I have not paid a dime, also, my limit was only about XXXX and they have on credit card that I owe over XXXX. I want this removed from all 3 bureaus. this is not right for them to be doing to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported lates on my credit account and none are correct. I have asked them to provide proof or remove and I have not received any proof nor have they removed
Product: Credit reporting

I called XXXX XXXX to remove XXXX XXXX ( my landline ) from my XXXX XXXX package, which includes Internet and HDTV services. The phone representative not only tried to charge me re-activation fees totaling {$70.00} to de-activate and re-activate my existing account but also pulled my credit report during the call without my permission as reported by Equifax. It was clearly an unauthorized and improper credit report pull in violation of the Fair Credit Reporting Act. I tried to obtain a transcript of the call, but XXXX reports that the call was not recorded. I have filed complaints directly with XXXX and the FCC as well.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute Regarding Illegal Collection Activities Without a XXXX  License Hello, I am writing to formally dispute the validity of the collection activities against me and to bring to your attention a significant legal issue regarding this operation. Upon investigation, I have discovered that this agency is not licensed to operate as a collection agency within the state of XXXX, which violates state law as outlined under XXXX  XXXX of the XXXX  Statutes. 

Pursuant to XXXX XXXX  XXXX, it is mandatory for all collection agencies to be registered and licensed with the XXXX Office of Financial Regulation ( OFR ) to conduct business within the state. Operating without proper licensing is a violation of state law and renders any collection activities unauthorized and unenforceable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is bias! The company took over a month to delete some items yet refused to remove ALL requested items of inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is causing ongoing injury to i by reporting an un-validate/un-verified debt that has been discharged under 11 U.S.C 727. XXXX XXXX has received notice through The BANKRUPTCY COURT CLERK, on XXXX XXXX, XXXX stating a Chapter XXXX was filed, and on XXXX XXXX, XXXX a signed order by the judge was sent stating all debt was discharged. To date XXXX XXXX never responded, never appeared, and never rebutted the fact they are a debt collector.
Product: Credit reporting or other personal consumer reports

I noticed my score dropped significantly ( XXXX points ) last week XXXX week of XX/XX/2024 with Equifax. When I looked at my profile there was a name I don't recognize and never used ( XXXX XXXX XXXX ). 
There were also XXXX address ( XXXX in XXXX  and another in the XXXX ) that I didn't recognize. I have never lived or worked in the XXXX. 
I submitted a report explaining this. I now see the addresses appear to be removed but the name, XXXX XXXX XXXX is still there. 
I want this name and the addresses if still there, removed immediately.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. 
Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility.This discrepancy is due to an error and seek your immediate intervention to rectify it. 

Moreover, ither credit bureaus have already corrected the status of the accounts stated above .Also, I contact the companies thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove this information from my credit report. 
I kindly request your prompt assistance in correcting or removing this information from my credit report. 
XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 has violated my rights. 

Under, 15 U.S. Code 1681, Section 602A states : I have the right to privacy. Additionally, 15 U.S. Code 1681, Section A ( 2 ) states : a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was laid off from my full-time job in XX/XX/XXXX. After significant job seeking activities and interviews, I received a verbal offer of full-time employment by a hiring manager with the federal government in XXXX of XXXX. However, due to the COVID-19 pandemic, the hiring process has been significantly delayed at every stage and created a hardship for me and my daughter. I received the written offer in XX/XX/XXXX, was in the security clearance process through XXXX and the agency is now awaiting budget approval for the position. 

I was able to pay my mortgage, secured in XXXX with Virginia Housing and backed by XXXX XXXX, with personal savings and severance pay until XX/XX/XXXX. At that time I was approved for a forbearance program with Virginia Housing. I have discovered that Virginia Housing has reported missed payments to credit bureaus. I have verified with a Financial Education counselor at the XXXX  XXXX Extension office that the federal CARES Act directs lenders to not report missed payments as part of a forbearance program associated with hardship and the COVID-19 pandemic so long as the account was current at the time of the forbearance program application. 

I have explained this to my forbearance program representative and a customer service representative over the past few months, but my credit report still reflects missed payments to Virginia Housing. I received a letter this month stating that Virginia Housing would not be correcting the information because it is " accurate. '' While I understand the information is " accurate, '' reporting the information is in violation of the federal CARES Act, as I've stated above and verified. 

I have also reported this issue to XXXX and not received a response. 

I would greatly appreciate help rectifying this situation with Virginia Housing  and the credit bureaus in order to protect my previously good credit score.
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/XXXX  Account Number : XXXX Account Name : Untitled Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I made a report to identity theft.gov and submitted a report to you all XX/XX/year> and still nothing has changed
Product: Debt collection

I receive a collection notice from Southwest recovery service the creditor is XXXX XXXX.I contact XXXX XXXX leasing and they notify me that they do not do commercial loans therefore it is a scam that either someone trying to use with Southwest recovery service to get funds from me. I file a dispute with the credit bureau XXXX and also call them they hang up on me when I give them my social security number and zip code. Took them less than 10 days to investigate this and they stated that the account was accurate and it remain on my credit report I am filing a complaint against XXXX and I will take legal action if necessary. Southwest recovery service is fraudulent scam working with whoever got my information and wants me to pay something that I do not owe.Please follow up. If it helps please contact XXXX XXXX and they will also let you know that been several phone calls on this matter.