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

I opened a 7 month CD with Wells Fargo not the first, I had used them for a CD the last one was 4 years back took out XXXX CD with them.Well this time my CD matures and contact them like last time that I would like that money to go to my Checking account just like last time.They inform me they have aa new policy that's different than the last time I took out a CD with them and that's they have XXXX business days to actually put my money back in my checking account and close the XXXX 's XXXX they have XXXX right to hold my funds for XXXX extra days till they get around to putting it in my checking.So I then asked the CROOKS will I be getting XXXX extra days of interest for them withholding my OWN MONEY and of course you know what the answer to that is NO! This BANK IS OUT OF CONTROL YOU HAVE FINED THEM ALMOST ON A MONTHLY BASIS.My suggestion to you is FINE WELLS FARGO WITH A FIGURE SO LARGE IT HURTS SO THEY WILL STOP SCREWING THE AMERICAN PUBLIC!!!! Thanks XXXX have a blessed day.
Product: Money transfer, virtual currency, or money service

there was no warning when i sent money on XXXX, the wrong person received it and when i informed bank of america they said they could not do anything about it and so the money was lost. this happened in XXXXXXXX.
Product: Debt collection

I.C. System Inc has an account on my credit report that I disputed from both XXXX and XXXX. I am aware that the reason I disputed the account is accurate, because they removed it from my XXXX report ( see attached ). It is still listed on my XXXX  credit report.
Product: Debt collection

I XXXX XXXX entered into a consumer credit transaction with Grain Technology on XXXX A consumer transaction in which a finance charge is involved XXXX XXXX XXXX defines a finance charge as the sum of all charges in a consumer credit transaction. The Finance charge does not include cash, but Grain Technology took cash.
Product: Debt collection

The company, Portfolio Recovery Associates, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$460.00} with XXXX, XXXX and XXXX credit reporting agencies. I requested verification on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXXand XX/XX/XXXX of the debt and the account however the business failed to provide adequate proof ( contract, signature, etc.. ) regarding the alleged debt. Considering this business does not have a contract with me for goods or services and was unable to provide a signature or contract from me, I am not obligated to pay for the alleged debt. I have also filed a complaint with the BBB regarding this collection agency and its policy and again they have failed to provide proof or even acknowledge the debt in any substantial way, which has left this matter once again unresolved. This specific account is affecting my credit history with its unsubstantiated inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I took my son to the AutoNation XXXX XXXX XXXX XXXX car lot in XXXX, CA. to purchase a vehicle of his choice with his pre-approved letter from his bank, XXXX XXXX. When he presented the approval to the salesman, he came back and said that the finance XXXX would not accept the pre-approval letter unless my son had a " back up signature ''. Little did I know, they were hinting that I needed to be a co-signer, When I gave the salesman my ID, He came back and said my son was approved for {$38000.00} plus fees for the XXXX and he needed my signature. I immediately asked to see the paperwork and discovered that the finance department had ran my credit without my permission, and wanted to use me as a co-signer. I was furious. I told my son we are not going to those papers because they ran his credit without permission as well, changed the interest rate from 7.9 % to % XXXX, and raised his payments to {$900.00} a month, from {$700.00}. This did not make sense because his preapproval letter was good for {$67000.00}. We then realized they were trying to scam us in order to use their own banks to finance the vehicle. That's fraud. So, we both backed up from the table and left. Now there's XXXX hard inquiries on my credit report!
Product: Debt collection

I submitted a dispute with collection Bureau of America around XX/XX/XXXX in regards to a collection account which is not mine. The starting balance was XXXX and then they added a collection cost of XXXX so it is now reflecting a total balance of XXXX. With in the dispute I asked them to provide something with my signature showing that I signed for the services that I am in collection for. The sent me a bill and nothing more. I never had an account with the company that they are claiming I did and I moved out of the service address in XXXX and the invoice date is listed on XX/XX/XXXX way after I moved out of that home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the XXXX data breach that occurred with Equifax. My mother is as well. I believe that this is the reason why we both had fraudulent unemployment claims filed in Ohio in XXXX. There has also been a credit inquiry on my mom from the unemployment agency for Colorado. 
The reason for this complaint is that I am stunned that there is almost no accountability for Equifax. A class action lawsuit where you might get {$120.00} if youre lucky and a few years of free monitoring. As a financial services professional, I have seen how difficult it is to lift freezes and alerts from your credit after one is placed, making applications for services close to impossible for the consumer. Because of this, I now pay significantly more than {$120.00} every year for XXXX to avoid the hassle. I am furious that Equifax is off the hook with their settlement and offering of free monitoring for a few years. I now have a lifetime ahead of paying a lot of money for monitoring by a third party. My social security number never changes, so why is there an expiration on how long they have to help us out of their mess? 
I dont understand why this is ok with anyone and more isnt being done to help the victims. On top of that, Equifax does not have a customer service area to lodge complaints with. Why is that acceptable? I was helping my mom obtain her three in one reports and Equifaxs questions didnt line up with any of my moms recent activity. They are forcing us to request it in writing now and to show proof shes her. For all we know, all of their credit questions could be tied to fraudulent activity thats occurred thanks to this breach. We had no issues with obtaining the reports from XXXX  or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Date XX/XX/2022 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to Experian, XXXX and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan with XXXX and was declined. My decline notice said that Clarity Services Inc, XXXX. XXXX XXXX, XXXX, FL XXXX was Unable to verify my identity. 

I was unaware that this credit reporting agency even existed, XXXX knows my identity online. I was unable to request an immediate copy of my report online and had to fax over a request. 

Why aren't people made aware of the existence of this reporting agency like the big 3 and why do they not provide online report immediate access? Now I am being impacted by not being able to obtain a loan because of this company. 

I am amazed that there would be other credit reporting agencies that consumers are not aware of that impact their livelihood until they are declined. XXXX/Clarity should know better.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to state that XXXX is in violation of 15 USC 1681b ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumers. I the consumer never gave XXXX any written consent to report anything on my consumer report. No consent is identity theft. I have enclosed a Identity Theft report which states that account ending in XXXX are being illegally furnish on my consumer report. I demand that you remove these inaccuracies off my consumer report. If they are not removed I will not extend my credit to anyone or allow XXXX to furnish a report for me. I would like to state that pursuant to 15 usc 1681 ( a ) ( 2 ) that the banking system is dependent upon fair and accurate consumer reports. By XXXX allowing these inaccuracies to be furnish on my consumer report it has cause me to lose confidence in the banking system. If XXXX wants to continue doing business with me, they should delete these inaccurate account off my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 
XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX XXXX MO XXXX Mo 15 U.S.C 1681 section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 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

XXXX  and Transunion showing I was late on 3 payment totaling 120 days from the Office Of The Attorney General of Texas XXXX XXXX Division which is inaccurate as I have never been late. I had my my phone interview about my case worker I sign the paperwork and they sent a notice to my employer to garnish my wages and the company complied. So I never had anything to do with sending payments as it came directly out of my check so I have been late. I have mail in a dispute letter to both XXXX  and Transunion with no reply on XX/XX/2019 and have yet to receive any correspondence back
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America closed my accounts in 2019 due to their own business decision. They incorrectly reported fraud instead. I spoken w/ Bank of America to confirm the reason of closure and also got a letter from the company in which non states fraud. They will not correct the reporting to early warning and when they responded to my original complaint. They send contact information for XXXX XXXX for regulatory complaints however she has not returned any of my calls to discuss the complaints. Ive left multiple messages and have not received a return call back or email.
Product: Debt collection

I keep receiving calls from the debt collection agency. I don't know what it is I owe, when I answered the phone, no one would say anything. The robo calls just kept coming. Then they started calling and asking for me at my job! It had gotten to the point where they were verbally abusing my coworkers. I eventually lost the that job. Now I have a new cell number and they found it, eventhough it was supposed to be non-public and the calls continue. This debt is not on my credit report, I have not received anything in writing.. just this calls. They started using different phone numbers. They first called from XXXX numbers, then XXXX numbers then XXXX numbers.. all numbers in my surrounding area code
Product: Debt collection

My name is XXXX XXXX, I am filing the complaint on my own there is no third party involved. 

On XX/XX/2022 I sent AMEX a cease and desist letter requesting to stop all communication through all mediums. Along with this letter I sent a demand to validate the debt via another written letter. 

American Express has failed to comply with my request to cease all communication. I have received numerous calls and voicemails from this company since sending and them receiving my letters. I have a green certified mail receipt to prove that my letter was received on XX/XX/2022. Since this date, American Express has harassed my on numerous accounts by calling me, and emailing my person email address.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT COMPLAINT LETTER To Whom It May Concern : I am writing to file a complaint against XXXX, XXXX and Experian. 
I recently experienced fraud involving my information, unauthorized inquiries without permissible purpose and invalidated accounts still reporting negatively on my credit report. Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with XXXX, XXXX and Experian to date. I would like any and all accounts/inquiries removed that should not be there as they are impacting me negatively. I have been denied auto loans more than once recently due to these accounts on my credit being inaccurately reported. The companies did not receive my permission to obtain anything from my credit being as they were third parties and my information was shared without my knowledge .The collections shown are unable to produce proof of debt validation, committed auto fraud against me and the contract has been rescinded, sold my info to another company ( illegal ) or past statue of limitations and still on my report ( illegal ) never gave XXXX XXXX XXXX or Experian any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. XXXX, XXXX, and Experian is in violation of 15 U.S.C. 16816,15 U.S.C. 1681c, [ 15 U.S.C. 1681d ] 5 U.S.C. 168le ] ,15 U.S.C. 16811, [ 15 U.S.C.

1681q ] and 15 U.S.C. 1681n, [ 15 U.S.C. 1681s-2 per the FCRA. I would like these items/inquiries removed immediately as I am not able to better my l situation with these still in place. If not I will be forced to pursue legal action and plan to seek remedy for damages. My current address is XXXX XXXX XXXX XXXX, Tx XXXX and I do not wish to have a phone number in place and am not obligated to. Any other personal information on my report should be removed as I can not be contacted through those avenues and some I do not even recognize as that information has never belonged to me : 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 Please remove all non-account holding inquiries over 30 days old. I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed Thank you for your assistance. 
XXXX XXXX
Product: Bank account or service

On or about XX/XX/XXXX-XX/XX/XXXX XXXX XXXX ( XXXX ) Alias name just so you know. she has many. She went into a Chase bank location in XXXX Oklahoma and withdrew $ XXXX {$9000.00} from a business account we had started together while dating. I went to go buy materials and my card was declined. I know that she took it because she call me and told me that she did. I was so hurt and embarrassed. I am wanting you to return my money that XXXX stole or took illegally fro chase or chase will be investigated by an attorney at law I have been banking with chase for over 10 plus years doing XXXX and XXXX and XXXX ... .I would like you to bring XXXX up on embezzlement charges for taking that money without my signature and taking me off the account It was unfair and unjust. I would be greatly vindicated if you done so thank you so much for everything and my phone number is XXXX and XXXX email me at XXXXXXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Express Recovery services keeps putting new collections on my credit report that are not mine. They are my EX husbands who is now deceased. We were not together and had not been together for some time. I never signed anything these are not mine and they need to be removed.
Product: Mortgage

On XXXX XXXX I received a letter from Fay Servicing informing us that they had acquired our loan from XXXX XXXX XXXX ( loan # XXXX ). 
The letter advised us that the first payment was due XXXX/XXXX/XXXX in the amount of {$1500.00}. Our payment had already been made in the amount of {$1500.00} which has been our payment since the loan was modified XXXX/XXXX/XXXX, never missing a payment and never late. 
I was assigned a contact manager with Fay Servicing by the name of XXXX XXXX. Phone # XXXX XXXX XXXX, email XXXXXXXXXXXX. I immediately contacted him by phone and fax as his email came back as undeliverable. 
I explained to him that our payment had been sent and received in the amount of {$1500.00} and asked why the increase in the payment. He told me it could be due to insufficient escrow. I advised him that our escrow payment was {$5900.00} per year and that our actual escrow amount was less than the paid amount. He suggested that I pay the difference of {$40.00} which I did ( confirmation # XXXX ) on XXXX/XXXX/XXXX. 
Our payment of {$1500.00} was returned to our bank on XXXX/XXXX/XXXX due to an invalid account number after receiving and processing our XXXX/XXXX/XXXX payment. 
Fay Servicing mortgage statement of XXXX/XXXX/XXXX shows payment of {$1500.00} was received but in " suspense ''. 
At this point we are not sure how much our payment is or if we are past due so we made a phone payment XXXX/XXXX/XXXX of {$1500.00}, tracking # XXXX. 
XXXX XXXX has suggested we ask for an escrow analysis which will take 30 to 60 days.
Product: Credit card or prepaid card

Hi. On XX/XX/XXXX we had ordered a {$50.00} vanilla gift card for a doctor that makes home visits. 2 days later I received an email from the company saying that the order was on its way and what arrive in 5 to 7 business days. Today is XX/XX/XXXX and the recipient not received anything as of yet. I have called the company on at least two different equations and have been told that will show up eventually. The 5 to 7 business days has long gone by and I would appreciate to know what is going on with this card. The customer service people are less than helpful
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I entered a lease agreement on XXXX XXXX, 2021. We leased the vehicle at XXXX XXXX XXXX in XXXX XXXX XXXX Florida. We were told at the time of the lease that XXXX XXXX XXXX  ( XXXX  ) would be handling the lease process. XXXX  is named as the Lessor on the agreement we signed. We later learned that the incorrect address was entered on the lease agreement. We learned this when we received our plate and registration. We called to dealer and the State of Florida to update in XX/XX/2021. 

We tried calling XXXX  and they told us they had no record of the lease and said it may take time for the lease to be entered in their system. So we waited. The dealer told us they fixed the address on their side. 

Since the address was incorrect and the Lessor name where both incorrect on the lease agreement we did not receive any correspondence from the Lessor. It was not until a late payment notice went out to XXXX  that we learned another company may have our lease. We contacted the dealer to find that XXXX  was not the Lessor, but XXXX XXXX XXXX. 

We called and explained the issue to Mazda saying : 1. The address was incorrect on the lease. 
2. The Lessor info was incorrect on the Lease Agreement. 
3. Mazda  maintains they called but where unable to leave a message. This can not be true since the number they have on file is a work number. This VM is monitored regularly. 

We corrected the issues as soon as we knew the parties. We asked that Mazda  remove the late payment submission to XXXX. They said we would need to file a complaint. 

We are only asking that Mazda remove the negative information from our bureau reports. This reduced our credit score by 89 points and ruins a blemish free 7 or 8 year track record. 

Does Mazda not conduct even basic due diligence on their new consumers prior to entering a relationship? I understand this due diligence is an industry best practice. A simple look up of our information on any public records database would have revealed that the address was incorrect. In fact a typo had been entered from XXXX  ( correct address ) to XXXX  ( incorrect address ). Would they not have done any due diligence when the first payment was late? 

The incorrect address is an address that does not exist. This means that USPS would have returned the mail as undeliverable. Again a simple look up of our information would have revealed the incorrect information had been entered. Would they have not called the numbers listed on the agreement? Or made attempts to contact me? 

Since the Lessor info was incorrect we had no avenue to get this info updated. 

Please feel free to contact me directly at XXXX or XXXX XXXX
Product: Checking or savings account

Around XX/XX/XXXX I received a email stating that I would not receive the {$40.00} in disputed transactions I reported as unauthorized. No error occurred is what they tell everyone who files a dispute against them. Ive read the reviews for them and people dont stay with them because they steal their customers money.
Product: Debt collection

On XX/XX/2020 the debt collection company, XXXX XXXX XXXX XXXX, aka ASG LLC left  detailed information regarding this alleged debt on a relatives ( not my spouse ) phone number. Advising them they could be held liable for this debt and the amount to settle was {$2700.00}. This violates personal information that can not be shared. I called and advised XXXX XXXX of ASG to cease all phone communication. This is a third party debt collector file number XXXX. All calls are recorded, so there is a record of the call to my mother-in-law on her cell number at XXXX in which they discussed personal information of mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance {$21000.00} ; XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX AV XXXX XXXX XXXX, CA XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2022 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting

Personal information listing address as ; 1916 XXXX XXXX, XXXX, WA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , WA XXXX Belong to my brother, XXXX XXXX . 
Please remove them from my credit report. 
Thank you!