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

TO WHOM IT MAY CONCERN, I FILED MY TAXES ON XX/XX/2020 THROUGH XXXX. THEY WERE ACCEPTED BY THE IRS ON XXXX XXXX. MY FEDERAL RETURN AMOUNTED TO {$1000.00} AND MY STATE {$110.00} IT STATED THEY WERE GOING TO BE DIRECT DEPOSITED INTO BMO HARRIS BANK CHECKING ACCOUNT # XXXX AN ACCOUNT NUMBER THAT DOES NOT BELONG TO ME!! THE CORRECT ACCOUNT IS # XXXX. I WENT BACK AND FORTH WITH THE IRS AND BMO HARRIS BETWEEN THE LAST 6 MONTHS TRYING TO RESOLVE THIS AND EACH ENTITY TELLS ME ITS THE OTHERS FAULT. IF MY NAME ON THE CHECK DID NOT MATCH THE NAME ON THE ACCOUNT WHY DID IT GET PUT INTO THAT ACCOUNT AND ACCEPTED BY BMO HARRIS BANK?!?! IT SHOULD OF BEEN SENT BACK TO THE IRS SO THEY CAN ISSUE A PAPER CHECK PER THE REP AT THE IRS. THE REP AT THE BANK AND BRANCH MANAGER TOLD ME THERE IS NOTHING THEY CAN DO NOW THAT THE MONEY HAS BEEN ACCEPTED AND THAT THERE IS NO ACTIONS THEY CAN TAKE TO HELP ME. I AM GOING TO NEED TO TAKE LEGAL ACTIONS NOW AND SUE BMO HARRIS BECAUSE THIS IS ABSURD. THIS IS VERY SKETCHY AND I NEED THIS TO BE RESOLVED ... YESTERDAY!!!! 


PLEASE HELP ME SOMEONE!!!!!!!!!!! I WILL TELL EVERYONE NOT TO USE BMO HARRIS BANK!!!!
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX {$1500.00} ; XXXX XXXXXXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XXXX XXXX  {$200.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XX/XX/XXXX I reviewed a letter from my mortgage company Select Portofolio Services ( sps ) that my insurance was cancelled due to none payment. However payment to my insurance company XXXX, is supposed to be bundled with my mortgage which I have been paying. When I called XXXX XXXX they said they have not been paid. I didnt receive any notification from either my mortgage company or my XXXX  of the non-payments. 

When I contacted SPS on XX/XX/XXXX the customer rep shared that the lack of payment was a mistake and that the insurance binder was received by SPS but it was not updated and paid. The rep was going to call XXXX to reinstate my policy but was unable to. I was told to looo for another insurance provider. However my new policies have an increase in fees-which would increase my mortgage. When I called SPS on XX/XX/XXXX the customer rep told me they had no evidence or recording of my call on XX/XX/XXXX. The Rep told me that they wont pay any difference of the insurance and no resolution to my issue. I would need to find insurance within a week. I asked to speak to a manager and was told no one was available and then my call was dropped.
Product: Student loan

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX in XXXX XXXX Major, put an account balance on my student loan account hold to prevent me from registering in college me to finish my program already had completed XXXX college credits only XXXX credits left only need XXXX credits to get an XXXX Degree they refuse to give me my Degree working toward my XXXX Degree, and firce me to taje out student loans, had to withdrawl because the colkege says I used up all of my ungrauted money up, how? Left an balance on my account? This isnt my fault, someone mis mangage these funds from the Goverment finicial aid?
Product: Credit reporting or other personal consumer reports

I request the immediate removal and blocking of unauthorized accounts from my credit report. These accounts were not initiated or authorized by me, and I am unaware of their source. Per XXXX XXXX, I formally ask for their deletion within XXXX days. Relevant documents are attached for your review.
Product: Checking or savings account

On Saturday, XX/XX/XXXX, I received a notice that I was not approved for a bank account through U.S. Bank. The application ID in the email that was sent to me was XXXX, but I never applied for an account through this institution. While I was not approved, the application was submitted was the result of fraud. This is the 4th institution that this type of fraud has been initiated at in my name. I attempted to contact the institution using their fraud alert email ( XXXX ), but have not received a response yet.
Product: Mortgage

I have tried to get a hold of an agent at my mortgage company, Amerihome Mortgage for the past two days, having made over 10 calls and waited on hold for over 3 hours collectively without being able to speak with one of their representatives.

All I needed to do is update my bank account on autopay because my old account is no longer active and my payments keep getting rejected. I called in XXXX to add the new account and remove the old bank account, which still hasn't been done. As a result, my last two payments have been late and I've been incurring late fees because the system won't stop drawing from my old bank account. I even tried to do this online through their website, and the system showed an error and directed me to call in instead, so the issue is still unresolved months later. 

Needless to say, I am absolutely furious about this experience. I've been doing all I can to be make my payments on time, even setting it up automatically, yet I am still having issues and getting assessed late fees due to no fault of my own. The fact it is so difficult to speak with someone to resolve the issue is baffling and something needs to be done about this company 's lack of customer service.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 3 weeks, I wanted to apply for a new credit card thus I removed credit freeze on the 3 my credit credit reporting agencies. 

However, I keep getting? on my credit Equifax credit report, please see attached document. When I applied for a credit card 3 weeks ago, my credit application was denied even though I have credit score above 800.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX account number XXXX, XXXX  XXXX XXXX account number XXXX, XXXX XXXX XXXX account number 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX Account # XXXXXXXX XXXX XXXX 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
Product: Credit card or prepaid card

Discover failed to transfer funds to new account after they closed my previous account so they could keep the large payment without crediting my account. this is a violation of my rights as the consumer and they have committed fraud. 
Failure to honor, and credit the intended account has caused loss injury and harm. An offer of performance was tendered, in good faith as full satisfaction of the claim referenced herein, with the intent of extinguishing any alleged debt, duty, obligation, or liability. It is their duty to honor this instrument, to know, abide by, and operate under the law, 18 USC 8 applies. 
This Note, credit agreements, bills of exchange and checks are defined as legal tender, or money, by the statutes such as 12 USC 1813 ( 1 ) ( 1 ), UCC 1-201 ( 24 ), 3-104, 8-102 ( 9 ), 9-102 ( 9 ), ( 11 ), ( 12 ) b, ( 49 ), ( 64 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Report filed with FTC for identity theft fraud report sent to reporting agencies Experian, XXXX, and XXXX dispute letters that identified fraudulent information for all three credit reports sent via mail fraudulent accounts used my correct information to update their information via disputes sent to credit agencies they have been harassing me since then. 
credit agencies refuse to correct incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that is reporting on my Equifax Consumer Credit Report. I have listed the items I wish to dispute as they do not belong to me. 
*Account name not listed, account XXXX balance is {$500.00} *Account name not listed, account XXXX balance is {$1100.00} XXXX XXXX XXXX XXXX XXXX *XXXX XXXX XXXX  The following inquiries are also reporting inaccurately *XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *XXXX XXXX XXXX XXXX Please reinvestigate this matter and contact the national credit bureaus to have them delete or correct the disputed items as soon as possible.
Product: Vehicle loan or lease

his is not correct -- I asked the amount to get current in XXXX -- In XXXX I paid extra and asked it to be put towards principle -- I have even called and pointed out that this is still not right. They applied more to my interest. I am current and they are not applying the funds properly. How many other consumers are they doing this to as well? <P/>Account Information as of close of business : X/XX/2017 View Account Information by selecting any of the options below : Welcome XXXXXXXX XXXX XXXXXXXX Select Account Summary Borrower : XXXX XXXX XXXX Address : XXXX XXXX XXXX City, State, Zip : XXXX TX XXXX Home Phone : ( XXXX ) XXXX Business Phone : Cell Phone : Co-Borrower : XXXX XXXX Address : XXXX XXXX XXXX City, State, Zip : XXXX TX XXXX Home Phone : ( XXXX ) XXXX Business Phone : Cell Phone : Vehicle Make : XXXX Vehicle Model : XXXX XXXX XXXX Vehicle Year : XXXX Veh ID No. ( VIN ) : XXXX Last 6 Characters Contract Detail : Payment Information : APR : 16.4 % Payment Amount : XXXX Bal as of X/XX/2017 : XXXX Past Due Amount : XXXX Late Charges : XXXX Other Charges : XXXX Recent Activity : Date Last Payment Rec 'd : X/XX/2017 Total Amount Due : XXXX Last Amount Rec 'd : XXXX Next Payment Due Date : X/XX/2017 Days Delinquent : 9 Select Account Payment History Show Transactions for : Go Process Date Effective Date Transaction Description Principal Interest Misc Fee Late Fee Other Fee Total X/XX/2017 X/XX/2017 XXXX ( XXXX ) ( XXXX ) XXXX XXXX XXXX ( XXXX ) X/XX/2017 X/XX/2017 XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) X/XX/2017 X/XX/2017 XXXX ( XXXX ) ( XXXX ) XXXX XXXX XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

I submitted the attached opt-out letters to these agencies on XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing inaccurate information on all 3 credit reports from Experian, XXXX, and XXXX for the following companies listed XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  and XXXX XXXX XXXX XXXX. There are late payments and transactions being listed on all three reports. 

Per 15 USC 1666b- A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

The Privacy Act of 1974 - my rights to privacy have been violated. 

It is Illegal to report transaction history 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instruction of the consumer to whom it relates.
Product: Money transfer, virtual currency, or money service

Im would like to share my concerns about Zelles approach to handling disputes. After using the platform multiple times and encountering issues, I reported discrepancies to both Zelle and my bank. Unfortunately, my claims were not thoroughly investigated, and I was told it wasnt possible to recover the lost funds or trace the transactions. Its troubling that the system appears to allow repeat offenders to take advantage of users, leaving many vulnerable to scams. This lack of protection and accountability raises serious questions about the platforms commitment to consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

This address, XXXX XXXX XXXX XXXX XXXX GA XXXX, does not belong on my credit report. I originally disputed this information with both XXXX and Experian. The original FTC is # XXXX and this was filed XX/XX/21. The original CFPB is # XXXX for Experian and # XXXX for XXXX. The address still appears on my credit report and should be removed immediately. This is a fraudulent infomation on my credit report. I never received any documents or response from the first complaint. It only asked for additional time. I never received information about the dispute via email or mail. This is a violation of the consumer protection laws. Any items used to verify a dispute must be sent to the consumer. These documents were never sent. The original files are attached.
Product: Bank account or service

Reason for Contact : We used the CareCredit card to pay for a dentist appointment. We were told that we had to pay a monthly fee until we pay off the whole account. We did n't have a limit or anything like that. After we paid almost a XXXX dollars from the monthly fees, they charged us with an interest fee with a {$1.00}, XXXX when we were told there was no interest and all we had to do with was pay our monthly fee to pay it off. That 's unfair and an act of theft. I work hard for my money for them and I paid my monthly fees on time for them to try and do that.
Product: Credit reporting

XXXX thought that Experian had removed XXXX credit files from my credit report because I was told that the creditors would remove them, and disputed them also, but they are still there. 
The other XXXX credit bureaus removed them without a problem and I just want them off of my report without having to keep having to deal with such a hassle. 
The accounts are1. XXXX Account # XXXX am typing them how they come up on the report. 
It shows as being opened on XXXX. XXXX XXXX XXXX Account # XXXX shows a date of XX/XX/XXXX and a balance of $ XXXX.-But the date shown is the date I think it was sent to collection because it was many years before that. This was also from either XX/XX/XXXX or XX/XX/XXXXPlease can you assist me with this, thanks so much, XXXX
Product: Checking or savings account

on XX/XX/XXXX I deposited a check for {$15000.00}. to wells Fargo Savings. ten months later ON XX/XX/XXXX Wells Fargo reverse the deposit stating not endorsed. My account is now MINUS {$15000.00}. I HAVE SAT ON THE PHONE 5 HOURS. NO RESOLUTION, I HAVE OPENED SEVERAL CLAIMS REGARDING THIS MATTER. NOTHING. THIS CHECK CLEARED ALMOST A YEAR AGO. I DID NOT RECEIVE ANY WARNING THIS WAS HAPPENING, NOR HAVE I RECEIVE ANY NOTICES FROM WELLS FARGO BANK.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 



Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand that the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My assistant in XXXX  was trying to purchase a vehicle in XXXX XXXX   XXXX XXXX official dealership.

He made transactions via American Express which i gave him as an additional user, he made 3 transactions : 1 ) XX/XX/2018 {$65000.00} ; 2 ) XX/XX/2018 {$1300.00} and 3 ) XX/XX/2018 {$2200.00} We didnt pick up car in XX/XX/XXXX and i know XXXX  dealers they like to stall time, i contacted Amex with dispute on XX/XX/2018, by XX/XX/XXXX american express send me notification that my account was fully credited and then By XX/XX/XXXX they put all the charges back claiming that merchant provided documents to support their claim. I reviewed this documents and to me they didn't make any sense, i called Amex again to open another dispute by i noticed that Amex staff are not wheeling to help me and understand the issue i explained to amex multiple times that we or i didnt pick the car, they reopened dispute and we get more details from merchant that doesn't make any sense to me, but amex is ignoring the issue.

Here are the issues, i will attach each document. On first dispute merchant provided my assistants ID and credit card slips with signatures, but the invoice for the car that they claim that we bought is under different name, you would wonder if i spend XXXX for the car would i want to have invoice under my company name? i say yes. Also invoice signature is not matched to my assistants signature.

Dispute number 2 : same issue as first dispute, but this time dealer provided more documents, same documents credit card transactions but no invoice under my company name and no signature of my assistant on invoices and moreover they now lied to american express by providing the letter on last page which states : that the holder of card XXXX ( they couldnt provide full number because they dont have card and this letter was created due to dispute ) also this letter is not addressed from my assistant to XXXX   that he authorizes transfer of this fund to XXXX, there is no assistants name or signature on this letter. This letter is a completely fake and doctrine letter created by dealership to keep my money ( which i explain to Amex )
Product: Payday loan

I emailed Mobiloans on XXXX/XXXX/XXXX to close and settle the account. Mobiloans replied with a settlement amount of {$700.00}. I stated the settlement amount should not have any interest or fees added and I wanted to be reassured of that. I was never given the interest rates or fees or how much the payments would be applied to the balance. I have made a total of {$870.00} payments to Mobiloans and I still have an outstanding balance. Mobiloans responded to my email twice stating The issue you 've described in your email may be resolved more efficiently if we can speak with you. I stated in my original email that I would only respond by email. I have spoken to Mobiloans Customer Representatives before and they have given me misleading incorrect information. I stated in my original email to to have the ACH Revocation stopped to have them stop debiting money out of my account. I received a reminder from Mobiloans stating that I have auto pay and that they draft the minimum payment to be drafted on XXXX/XXXX/XXXX. Mobiloans stated in the email that they have stopped automatic payment drafts from my checking account as of XXXX/XXXX/XXXX. I am getting no where with this. I am submitting supporting documentation such as emails and payment history. Please HELP!
Product: Debt collection

Transunion, XXXX, XXXX, FRAUD Departments I receive documents that XXXX sent to me stating that these documents show that the account is mine they are not my signature and they are not original contracts with my signature And why is my wife 's alleged signature is on documents this is seems to be made up
Product: Checking or savings account

The agent I spoke to in XX/XX/XXXX was XXXX XXXX on your service request number XXXX who told me in XX/XX/XXXX that if I made XXXX final payment, he would credit the other charges on my account because I had not set up or authorized US Bank to artificially keep accounts open that I have tried to close for XXXX years. XXXX told me if I made XXXX more payment of {$100.00}, which was posted on XX/XX/XXXX, he would credit all your other transactions that I did not make, set up, or authorize on all accounts I tried to close entirely in XX/XX/XXXX. Instead, on your side, without my authorization, you continued to make credits and debits on accounts I closed in XX/XX/XXXX. And US Bank failed to send me any of these transactions because you again failed to update the new XXXX address I gave you every time I spoke to your agents. 

US Bank closed checking account XXXX but did not credit it to the cash flow manager account number XXXX, which is accruing daily interest. 

I do not owe US Bank {$200.00}. US Bank needs to get those internal funds from the Silver Business Checking account XXXX
Product: Credit card or prepaid card

An account was placed under my name erroneously. Since then, BARCLAYS BANK has damaged my name, and my credit file. Has entered derogatory information into my credit file. I should not be responsible for BARCLAYS BANK mistake. Please remove the following information from credit report. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report and Police report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. <P/>BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX, DE, XXXX XXXX RE : Account # XXXX FTC report Number XXXX
Product: Debt collection

Paragon Revenue Group XX/XX/year> {$390.00} A male team member answered the phone. 
I was told about the amount due and asked how I wanted to pay. 
I asked to set up a payment plan. 
Was told they didnt do that. 
Was asked to use a card or take out a personal loan to pay this debt. 
I repeated that I would pay in full, but I couldnt pay all at once. 
Was then offered to split the amt due into XXXX payments. 
Once again I told him I couldnt afford and hung up. 
This man bullied me!