23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Two accounts were opened in XXXX in my name in XXXX. I have never been to XXXX. The accounts are reporting as a collection/Charge Off on my credit report. 

Name of account Capital One Bank XXXX XXXX ( 2 accounts )
Product: Bank account or service

Wells Fargo bank has the worse practice in the industry. 
I had a check to my customer in XX/XX/XXXX, it was cashed on XX/XX/XXXX. The same check was cashed again on XX/XX/XXXX. I called Wells Fargo immediately, it still let the check go through. I have to call them XXXX times. The only explanation I got was it was done by mobile deposit, it can not be caught. It is real scary thing in the banking industry, it means the same check can be cashed many times and the bank do nothing to stop those kind of activities and the worse the part is Wells Fargo wo n't stop that and gave all the non-sense excuses for those kind of practice. 
Wells Fargo has to have action for some clients who do not allow the mobile deposits. Could you imaging the 6 year old check can be cashed XXXX times?
Product: Credit reporting, credit repair services, or other personal consumer reports

called Citibank and let them know they ran my XXXX credit three times on multiple days on five different day. I asked the rep why are they running my credit report multiple times and she arguing with me over the phone saying that they didnt when I have relevant proof. I asked Citibank to remove the multiple inquiries that they saying never received a credit report. I seeking legal action because I shouldnt have to argue with customer service when it is clearly showing on my XXXX credit report. I spoke to four different supervisors in the loan department at CITIBANK and was told they had a system issue. I recorded all the calls because I have a XXXX. I filed a lawsuit against CITIBANK XX/XX/2023 with XXXX XXXX because my credit report was by the loan department. I am demanding the credit inquiries be removed because CITIBANK claims that they couldnt process the loan. I contacted XXXX and was told I need a letter.XXXX  said inquires was verified.How can you verify something if five inquiries where ran for a single application.I gave Citibank multiple chances to fix the problems now I filed a Small Claims court lawsuit because Citibank refuses to send letter to or XXXX to get the erroneously credit inquiries off my reports. I spoke to multiple representatives and they said only run XXXX and they kept arguing with me.When call Citibank the automatic system says a pending application and will have response in two days.It is now going on two months Citibank keeps sending the file to credit card dept when it is personal loan.My issues are still not being addressed so I am providing a copy of my XXXX credit report and lawsuit that was filed.XXXX  XXXX has the paperwork waiting process they are backlogged.This is going on too long and I feel like Citibank is picking on me. Everytme I call in Citibank staff keeps hanging the phone on me.I called the XXXX police department got them involved as a mediator because I have severe Mental health.Citibank is not taking me seriously because they keep sending my file to the wrong department when I keep telling them it is a personal loan application.My file keeps getting closed out with these generic letters when it very evident that the people in Executive office is not paying attention so that is why I am filing the lawsuit because getting super stressed out.Equifax keeps sending response letter stating Citibank is verifying inquiries are accurate when they not.
Product: Mortgage

The house is supposedly has a Sale Date. I 'm using agency to help me. But I do n't understand neither the Agencies or the Bank with Mortgage. I 've turned in all the paper requested. But I 'm very confused not getting any help or answers. And at this point I 'm desperate do n't know what else to do!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account, XXXX Account XXXX XXXX Account XXXX XXXX  Account, XXXXXXXX Account 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

The last letter I sent to the credit bureaus was XX/XX/XXXX and yet they have failed to respond to my written letters. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and must be delete immediately : XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Date Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXXXXXX Date Inquired on XX/XX/XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX Date Inquired on XX/XX/XXXX NXXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX  Date Inquired on XX/XX/XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX XXXX XXXX Date Inquired on XX/XX/XXXX XXXX Date Inquired on XX/XX/XXXX XXXX Date Inquired on XX/XX/XXXX XXXX CO Date Inquired on XX/XX/XXXX XXXX - XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX. XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX XXXX - XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX FIRST XXXX BANK Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX FS Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXXL Inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX
Product: Mortgage

I submitted a request to cancel my PMI since we put almost XXXX XXXX worth of work into our house. They scheduled a BPO which I paid {$150.00} for. I had to leave work early to attend the BPO. The BPO came back less than 2 weeks later for more than the 80 % that was needed yet they said my request to cancel PMI was still denied, I asked why and they said it had to be at 75 % and I said what if I pay my principal down to 75 % and they said yes, it would get approved if I did that. I made the payment, I call numerous times afterwards asking where we were at in the approval process. The woman said it would be getting approved and someone would reach out to me in 24-72 hours with my new payment schedule. More than 3 days go by so I call again and they say no, it is denied the list you sent in was denied. I said XXXX XXXX XXXX guidelines the list has to be approved to even have the BPO ordered which that already happened. They said maybe we can make an exception then... they call me back later and say no, sorry, their representatives aren't fully educated in PMI guidelines. They told me it was the team lead that ordered the BPO even though they were not supposed too and I spoke with numerous representatives since this initial request over 2 months ago and they all told me the same thing. 75 % and it would be removed which we were below that threshold at this point. So now today I am being told it only needed to be at 80 % but the list was denied so they will refund me for the BPO fee and the paydown on my principal. I am so mad, I was toyed around with for 2 months with false promises, money and time taken from me .... I don't even know what to do or say at this point. Not to mention their communication is awful, the only communication I got was when I called them and a few letters with 0 information within them. I made the representative today send me an email with the refunds being showed just so I could at least have proof of that and not be scammed out of the money because I feel as though they are just scamming me at this rate.
Product: Credit card or prepaid card

I recently received a copy of my XXXX credit report and noticed American express is updating monthly and reporting open accounts to XXXX in my name with a balance. I contacted Amex and XXXX multiple times and XXXX tells me the information they are receiving is coming from American express and is 110 % accurate and American express tells me they are not reporting anything to any credit reporting agency 's. it has been going back and forth, both blaming eachother and when i call they say they have no record of me disputing anything, even when i provide the same confirmation number they give me.
Product: Money transfer, virtual currency, or money service

My bag was stolen, which had my debit card and phone. When I tried to tell them, they asked for the card numbers to verify. Since the card was stolen, I couldn't provide them. Their support wouldn't even speak to me for weeks, then I made a CFPB complaint and they finally spoke to me. They said because they couldn't verify the account I was not entitled to the money. They said if I made a new account I could transfer everything from the old account. I did this and they still didn't transfer the money. Now they're saying it is a security issue, they will not give me the money, and due to their terms of service the matter is closed.
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 : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX 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 XXXX 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

Today XX/XX/year> I received an alert through my current credit monitoring service that my Transunion is reporting that an account had been added to my credit profile. The company that has been added is XXXX XXXX XXXX, and it is reported that this company is a " Debt Buyer Account '' so this company is categorized as a debt collections company. But I do not know what this debt is, and where this debt originated, therefore my only assumption is that it is a debt based on fraudulent basis. This is not my debt nor an account that I am responsible for. So this complaint is to inform the debt collector I do not intent to pay money that I do not owe.

According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) ( 1 ) ( A ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

If this is not removed from my credit profile with Transunion I will proceed to file further complaints with the State Attorney General 's office and I will also be filing XXXX complaints. This will the the start of a series of complaints filed if the reporting of this erroneous debt continues.
Product: Credit card or prepaid card

COMPLAINT ON COMENITY - VICTORIA SECRET XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX ( XXXX ) XXXX Texas XXXX XXXX XXXX info XXXX Comenity Bank XXXX Tax Payers Id # XXXX Comenity Bank XXXX Secretary of State # XXXX Received call from Comenity Bank XXXX Victoria Secrets at XXXX XXXX ) XXXX, saying that they didn't get my XX/XX/2021 Payment. I let them know that I did make my payment on XX/XX/2021 through My bank paid with check # XXXX for {$75.00} which what was due. I had the representative verify the payment address, the address that he gave me was XXXX XXXX XXXX, XXXX Tx XXXX. The address that my bank sent the check was XXXX XXXX XXXX, XXXX XXXX Tx XXXX. At some point the address that I had was valid. Not sure when this company, Comenity Bank XXXX Victoria Secrets changed their payment address. The customer service rep calls are being forwarding to other countries from the USA. I made my payment in Good Faith. This company changed their payment address and didn't notify me. They are trying to charge me a late fee on top of my payment. I want the late fee waived and not charge on the front end which is what they will do. My payment should only be {$75.00} without the late fee.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to remove these accounts ( A ). It is not permissible to fail to block these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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 signed up for an account with Tally after watching an ad on TV that said they can help with credit card repayment. I go through the process and every step of the way they say its a completely automatic program that reduces interest while paying down my credit cards with an easy to follow plan. 

Once I agree to their account credit line to start the process, and their additional annual fee of {$300.00}, I find out that my credit cards are not actually supported by their program at all and encounter multiple issues trying to get them linked. 

After contacting Tallys support team, they try to push off the blame onto their credit card processor and offer no further support on how I can get the platform to work as it was sold to me. Now I have a new credit line on my credit report that I wont be able to use without significant hassle that was sold to me under false pretenses.
Product: Checking or savings account

I received a check for rental assistance provided through my State government ( Oregon ) and deposited it into my account. I was alerted that my check was accepted and the funds would be available to me on XX/XX/2022 after the check was processed. Capital One then froze both my Checking Account and my Savings Account and stated " Your funds are not available for withdrawal. Please call us at XXXX. '' I called, waited on hold for 25 minutes only to be told that they need to call someone to verify that the check is real. I continued to wait on hold while they called someone and they could not get ahold of them. They then told me that I will not have access to my money or to my paycheck which is supposed to be deposited today ( XX/XX/2022 ) because they couldn't talk to someone. I could not purchase gas for my car and therefore was unable to go to work because of my accounts being frozen.
Product: Money transfer, virtual currency, or money service

Paypal offer the best services. 
I decided to open a claim for report this situation. 
On XX/XX/XXXX my account was stolen. The hacker added the email ( XXXX ). 
At the same time it was added the XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX was made a transfer for {$3200.00} USD. TRANSACTION ID XXXX. 

other transaction was made to the card end XXXX, XXXX for {$1000.00} USD. ID transaction XXXX. 

the address was asociate XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX that not my personal address. 


i made the report about was Unauthorized access and withdraw into my account becouse that card XXXX and bank XXXX are not belong to me. 

i talk to other agent and he track the ip and it doesnt match with my history. 
he said it was conected from another device too. 


i opened a dispute with the case XXXX but it was denied. 



my Email is XXXX XXXX  XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I went to citizens bank who the check was drawn on they told me the company on the check was wrong they said my XXXX check was fraud I tried to CAs it XXXX
Product: Credit card

I signed up for the Chase Sapphire Preferred card. When I was happy with the card, I decided to refer my parents. I applied with them and generated a referral link through Chase 's website and submitted the application for my parents. My parents got their credit card and made their first purchase yet I never received a bonus. Now, Chase is telling me they didnt apply through proper channels even though I was the person that applied with my parents as I help them with their finances and I ensured that my browser was accepting tracking cookies etc so I would receive the XXXX point bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need your assistance in getting the following items removed from my credit file. These items are reporting as a result of identity theft. I have sent dispute letters on XX/XX/XXXX and again on XX/XX/XXXX to all 3 credit agencies with no results. The following items are reporting as a result of fraud : XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$330.00} ( XXXX, XXXX, EXPERIAN ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$5700.00} ( XXXX, XXXX, Experian ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$3800.00} ( XXXX, XXXX, Experian ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$320.00} ( XXXX, XXXX, Experian ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$1500.00} ( XXXX, XXXX, Experian ) XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$1200.00} ( XXXX & Experian ) XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$220.00} ( XXXX XXXX XXXX ) XXXX - Opened XX/XX/XXXX Bal : {$640.00} ( XXXX, XXXX, Experian ) XXXX XXXX  - Date Opened Bal : ( {$0.00} ) The following items are reporting inaccurate late payment for the following items : XXXX XXXX  - 30 days late in XX/XX/XXXX ( XXXX & Experian ) XXXX XXXX  - 30 days late in XX/XX/XXXX ( XXXX & Experian ) XXXX XXXXXXXX  - 30 days late in XX/XX/XXXX ( XXXX & Experian ) XXXX XXXX - 30 days late XX/XX/XXXX - XX/XX/XXXX & XXXX - XX/XX/XXXX XXXX - 90, 120, 150, 180 days late from XX/XX/XXXX thru XX/XX/XXXX ( XXXX, XXXX & Experian ) XXXX  - 90, 120, 150, 180 days late from XX/XX/XXXX thru XX/XX/XXXX ( XXXX, XXXX & Experian ) XXXX  - 90, 120, 150, 180 days late from XX/XX/XXXX thru XX/XX/XXXX ( XXXX, XXXX & Experian ) XXXX  - 90, 120, 150, 180 days late from XX/XX/XXXX thru XX/XX/XXXX ( XXXX, XXXX & Experian ) The following inquiries was not authorized by me : XXXX XXXX  XXXX XXXX XXXX  - 9 Times XXXX  - 2 Times XXXX XXXX XXXX XXXX - 13 Times XXXX XXXX
Product: Credit reporting or other personal consumer reports

I AM WRITING TO DISPUTED ACCOUNT ON MY CREDIT REPORT THAT WERE MADE WITHOUT MY CONSENT. According to section 604 of FAIR CREDIT REPORTING TO SECTION ( 15U.S.C 168 1B ), there are specific permissible purposes for obtaining a credit. I did not authorze these account and can not find any permissible purpose under this section that justifies their presence on my report,, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

We were referred to guaranteedrate.com to try to buy our first house with our VA Loan by a friend after XXXX XXXX lender was negligent. XXXX XXXX lender worked on getting us a loan for 3-4 weeks and turns around and says your wife is a XXXX which is great but she works for a temp agency, we cant work with them. Which is fine. This is XXXX to the end or middle of XX/XX/2021. We go to guaranteedrate.com. XXXX XXXX sends us a letter saying you have 20 days to get a conditional approval for the house. After they failed to do their jobs at XXXX XXXX. We were penalized. We told the new lender and they said they understood. They would ask for documents, we would send them and not hear back for a day or two. This would go on for a month in a half. We then were transferred over to a partner at guaranteedrate.com without warning. They got everything to the underwriter and thats when the communication got super unprofessional. We stopped getting calls and e-mails. My real estate agent had to call their supervisor. They did nothing about the professionalism or lack there of. They were emailing me as if I was the real estate agent asking for everything instead of my agent who email and called them. We havent spoke to them since Friday it is now Wednesday and we are left in the dark and dont know what to do. This first time house experience for us as veterans was absolutely horrible.
Product: Credit reporting or other personal consumer reports

This is an update to my previous complaint against LVNV Funding LLC ( Account Number : XXXX, CFPB Case Number : XXXX ) regarding inaccurate reporting of a debt on my credit report. 

I have recently learned that a judgment was entered against me on XX/XX/2022, in case XXXX, in the XXXX XXXX XXXX XXXX XXXX XXXX which LVNV Funding LLC XXXX XXXX to support their claims. However, I was never properly served with any summons or legal documents regarding this case, which means I was unaware of the court proceedings and did not have an opportunity to defend myself. This is a clear violation of my rights to due process. 

I am filing a motion to vacate the judgment on the basis of improper service. 

As I challenge the validity of the judgment, I request that all collection activities related to this debt be suspended and that the account be immediately removed from my credit reports. 

The actions of LVNV Funding LLC, including reporting this judgment and debt without ensuring that I was properly served, have caused significant harm to my credit score and financial standing. I ask that the CFPB continue to investigate this matter and assist in ensuring that LVNV Funding LLC complies with all applicable laws, especially given the legal challenge to the judgment. 


Thank you for your continued assistance