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

On XX/XX/XXXX, I opened a CD account with BMO Bank online. {$210000.00} was transferred from my XXXX XXXX  account # XXXX to BMO Bank. The money was deducted from my bank account. 

On XX/XX/XXXX, I called BMO and was told to go to a local BMO Bank. I went and showed my driver 's license and passport. I was told to call the fraud department. I called fraud department and was informed that the transfer was being alerted that the money wasn't mine. So, my account will be closed, and my money was rejected. I tried to explain that {$210000.00} was deducted from my XXXX XXXX account, but to no one listened. 

Later, I found a deposit receipt that BMO emailed me indicating that the {$210000.00} came from XXXX XXXX account # XXXX. I called BMO fraud department and told them that the money was deducted from my account # XXXX. I don't have account # XXXX. I asked for help since this may be fraud. Per the BMO fraud department, there's nothing they can do and I need to work with XXXXXXXX XXXX 

I talked to XXXXXXXX XXXX every day, and my case was escalated to the executive team. They researched. On XXXXXXXX XXXX side, they confirmed that the money did come out of my account # XXXX and went to BMO Bank. XXXXXXXX XXXX denied having place the alert. Per XXXXXXXX XXXX, they don't know any bank account ending in XXXX. Per XXXX, they didn't receive any returned money from BMO either.

I talked to BMO Bank and asked for proof that they returned my money. On XX/XX/XXXX, BMO Bank provided with a ACH tracking number indicating that is the proof that they sent the money back. XXXXXXXX XXXX informed me today XXXX that the ACH tracking number XXXX BMO provided was wrong. It's proof that they accepted the money from XXXX on XX/XX/XXXX. That's not the right ACH tracking number to prove that BMO Bank returned the money. 

BMO Bank is unable to prove that they returned the money to XXXXXXXX XXXXk. According to XXXXXXXX XXXX, it doesn't matter what account BMO return the money to. As long as BMO Bank returned the money to XXXX XXXX XXXX XXXX can still credit me back my money. 
BMO couldn't provide any proof that they returned the money tXXXX XXXX XXXX Now, BMO Bank refused to talk to me. XXXX XXXX doesn't have the money back from BMO Bank. I'm out of {$210000.00}. Neither bank is helping me out. XXXX XXXX is not helping me. BMO Bank is not helping me. I need help please.
Product: Credit reporting or other personal consumer reports

I wanted to apply for a car loan with XXXX XXXX XXXX. However, I got a letter in the mail on XX/XX/XXXX from them saying that they were unable to offer credit to me because my credit score was low. Their reasoning was that I had an insufficient credit score, serious delinquency, ratio of balance to limit in bank revolving or other rev accounts too high, and the time since delinquency is too recent or unknown. I want to dispute this because my credit score is lowering for a credit card that never arrived to my house. I need you guys to please get in contact with XXXX to resolve this. Their phone number is XXXX. If this goes not get resolved, I will take legal charges because my credit went from a XXXX to a XXXX for no reason. I would like a response as soon as possible as to how this can get fixed. I also talked to a representative from your company like a month ago and she offered to return my XXXX dollars that I deposited for a fee of a card I never used. I received that check and I deposited in WellsFargo Bank. Thank you and have a great rest of your day.
Product: Credit reporting or other personal consumer reports

This morning, I discovered that incorrect accounts have appeared on my credit report, and I have no idea how they got there. I regularly check my credit report, but this time I noticed unexpected discrepancies. I even tried refreshing my browser to see if it was just a technical glitch, but the inaccurate accounts remained. Due to this issue, I kindly request a thorough review of the documents I have submitted to ensure I wont have to worry about this in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is delaying my request for an investigation by means of multiple requests for identification ( # XXXX ) that was provided with the initial request. Experian has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. This is a serious ongoing issue with them as you will see ACCOUNTS XXXX ***XXXX XXXX ****XXXX XXXX XXXX XXXX XXXX XXXX XXXX****XXXXXX/XX/XXXX{$260.00} ****XXXX  XX/XX/XXXX {$57000.00} ****XXXXXX/XX/XXXX {$6100.00} XXXX XXXX XXXX XXXX XXXX ****XXXX XX/XX/XXXX {$380.00} XXXX XXXX XXXX ****XXXX  XX/XX/XXXX{$54.00} XXXX XXXX XXXX ****XXXX XX/XX/XXXX {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently went to check out a new car at XXXX. After carefully consideration I was decided to apply for a loan for this car. I was decline for a good rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. Chapter XXXX Bankruptcy, XXXX/XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX. Inquiries : XXXX, XXXX XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX Credit Card aka XXXX Credit Card. OnXX/XX/XXXX I logged on their website and requesting a credit line increase. While I was completing the form on their website. which is XXXX  there was an option just under the annual income field that states " by selecting this check box, I am allowing the bank to access my credit report, if necessary. '' I made certain that I did not check that box and i did not.

Well on XX/XX/XXXX I get an email alert from XXXX stating that something changed on my credit file. I logged on and according to XXXX it was a hard inquiry from XXXX XXXX  for new credit. I did not authorized XXXX to pull my credit. I called XXXX  to dispute the inquiry but XXXX referred me back to XXXX. I called XXXX and that stated I must submit a written request and that they have 90 days to respond. I found that to be absurd. So I decided to submit a complaint through CFPB.

Also XXXX would not take my complaint at all even though after I logged in to their site ( i have credit monitoring service with them ) and attempted to submit the dispute online their website directed me to call to submit disputes about credit inquiries. After waiting 30 minutes on the phone their rep stated they do not dispute take credit inquiries and i must dispute though the company directly. I found that odd and i asked 2 times just for clarification
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX, XXXX, AND EQUIFAX STATING ARE NOT COMPLYING WITH REGULATIONS BASED ON MY REQUEST FOR AN INVESTIGATION. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND THESE ARE DAMAGING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT BECAUSE THESE ARE PURELY IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX - {$4100.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - {$4100.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX - {$5300.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX - {$0.00} XXXX  XXXX # XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - {$17000.00}
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX marked my XXXX credit score with negative derogatory mark. I called them multiple times and the automated system directed me to their email. I sent a written request and they have failed to provide proof that I ever owned an account with the supposed entity that is owed. They only sent me a reference number which I looked up on XXXX XXXX website- the address noted is incorrect and the account noted from XXXX XXXX is also incorrect. I never owned an account with XXXX XXXX and never received documentation that I owed them. I've requested documentation per attached emails to XXXX XXXX XXXX without success. I demand that XXXX XXXX XXXX investigates these false reports and provides all pertinent documentation including : 1 ) Proof that the debt is mine and that XXXX XXXX XXXX has the right to collect it. 2 ) The last statement or invoice provided to me by the creditor to which the debt is currently owed. 3 ) The charge-off date. 4 ) The account number associated with the debt. 5 ) The amount of current debt and itemized list of any payments made, added fees/interest/or other charges. 6 ) Confirm whether or not the statute of limitation on the debt has expired. 7 ) Written documentation of when and how I was notified of the debt and by who- I did not receive any letters or emails notifying me that I owed money to anyone. XXXX XXXX XXXX also needs to remove all negative derogatory markings on my credit scores from all 3 credit bureaus [ XXXX, XXXX, Experian ].
Product: Debt collection

I received a letter from Eastern Account System in an attempt to collect a debt for {$480.00} on behalf of XXXX. I already settled this debt with XXXX through their collections debt, XXXX, on XX/XX/2022. I spoke with a representative at XXXX the remaining balance was a mistake on their part. They did not record receiving my equipment back and they charged me 4 months of internet after I cancelled my service. Because of those two issues they verbally agreed to credit my account for the full amount of {$480.00}. I sent a recording of this conversation to XXXX, who then discharged the debt as invalid. 

8 months later, on XX/XX/XXXX, Eastern Account System reported to my credit that I owed a debt. I called them and the representative, XXXX XXXX, refused to accept any evidence I had of the account being settled. She attempted to hang up on me 3 times and would not provide me with an email to forward my evidence to. She lied on the phone and said she had access to my account at XXXX and that she could see the balance and the reason for it, however, I logged into my account at the same time and it says I owe {$0.00}. 

All other attempts of communication with Eastern Account System has been met with resistance, as they refuse to settle this matter. On top of calling them I have emailed them through their system and have only received automated responses that refuse to provide any resolution. This is unacceptable, trying to collect a false debt lowers my credit score, cost me time and money. I am reaching out to you to see if you can help me resolve this issue with Eastern Account System and have them remove the debt from my credit score.
Product: Credit reporting or other personal consumer reports

There are multiple inquiries displayed from companies without permissible purpose per the FCRA. I have no accounts from any of the said companies. This is a violation of the Privacy Act Of 1974. Removable of every inquiry needs to be completed immediately.
Product: Prepaid card

My complaint is in regards to this companies refusal to assist me when it comes to trying to resolve an issue concerning fraudulent transactions made using my card after it was stolen from me. In XX/XX/year> I was robbed and was XXXX XXXX XXXX XXXX XXXX as a result of this, they stole my wallet that contiated my prepaid cards along with my ID and social security card. Due to this traumatic experience XXXX XXXX XXXX XXXX XXXX for a XXXX month period and XXXX XXXX XXXX I found there was various fraudulent transaction made using my card that totaled {$5600.00}. I then disputed these transaction with the company directly providing them with police reports, identity theft report, and letters from my attorney regarding this matter.They did not follow FEDERAL REGULATION E and give me a provisional credit and Despite providing them with that information they denied my claim, what made it worse I feel that no living person looked at the claim and it was done through an AI. By them refusing to honor my claim it caused a hardship for me causing me to become homeless. I wish to get this handled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts that are not mine on my credit report. Experian states that they have verified the debt but there is not physical evidence that this debt is mine. No signature what so ever. These are fraudulent accounts and and i want them removed from my credit report.
Product: Debt collection

I received a call today, XX/XX/XXXX, from someone calling from a " XXXX '' number stating that I was being sued. They stated they could not give me any information because they were only a process server and the file was sealed and certified. They attempted to verify my name and last 4 of my SS #. I told them that the name they were verifying was incorrect, but the last 4 of the social were correct. I again asked them for more information regarding the company etc. to which they responded they did not know but would connect me with the company if I wanted further details. Upon being connected with the company, they told me the call was being monitored and recorded for quality assurance purposes and attempted to verify my name and last 4 of my social. I again told them that they had the wrong name. They said they were a mediation service trying to serve me for a lawsuit, plaintiff being XXXX Bank. I asked them what the name of their debt collection company was and they insisted that they were only mediators attempting to locate me for the suit. I then asked them from what year is the debt, and they stated XXXX. I asked them why they were trying to collect on a debt that was more than 10 years old. They stated that they were not collecting on a debt, but only trying to notify me of suit. I told them that I had no knowledge of the debt, and then asked them what their address was because I would be filing a legal suit against them. The CSR told me XXXX, TX, and I asked if they were licensed and bonded to collect in Ill. They then stated that they did not have to be as they were not a debt collection agency. I again told the CSR that I did not have any knowledge of the debt. Upon further investigation it does look like this is a debt collection agency and that they are misleading with false misrepresentations about what kind of business they are operating. Furthermore, under the FDCPA laws they are not legally allowed to collect on this zombie debt of more than 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter addressed to the Credit Bureaus requesting to conduct an investigation and correct the information being reported. The credit bureaus must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting. 
XXXXXXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX.
Product: Debt collection

I keep getting charged a late fee even though I pay every single month on an automatic payment on my cancelled credit card. I have spoken to amex 3 times and all they do is credit the month I complained in and keep charging me a late fee anyway. This has been going on since 2019.
Product: Checking or savings account

I filed the tax returns ( XXXX XXXX and XXXX XXXX ) in XXXX and was tax due to both IRS and XXXX XXXX XXXX ( state of California ). The amounts were XXXX $ to IRS and XXXX $ to XXXX XXXX XXXX ( state of California ) I provided XXXX 's American Express Saving account details as the account had ample funds to pay these tax due payments. The same were deducted from the account on XXXX of XXXX ( see the attachment ). On XX/XX/XXXX American Express tried to contact to confirm the charges but XXXX was busy with work and meetings, so we called American express in the evening. We told that the transactions are genuine and they need to pay both IRS and XXXX XXXX XXXX ( state of California ). At that point American Express told me that the transactions were rejected and asked me to initiate the transactions again with both IRS and XXXX XXXX XXXX ( state of California ) ( see the attachment ). 

I went ahead and registered an account with bth IRS and XXXX XXXX XXXX ( state of California ) and payed the taxes due. The same were XX/XX/XXXX and XX/XX/XXXX ( see the attachment ).

Since the first transactions were rejected by American Express ( even though there were funds available ), both IRS and XXXX XXXX XXXX ( state of California ) charged the return fee ( IRS : {$390.00} and State of California : {$27.00} ) I asked American Express to pay for the return fee as they were the ones rejected the transactions without confirming them. But they denied to pay
Product: Mortgage

Wells Fargo Home Mortgage was notified over 10 years ago that, both our home and mortgage were at risk given the inappropriate relationship between our community developer and XXXX XXXX XXXX. Consequently Wells Fargo sold our loan but continued to administer our loan until XXXX. After numerous interactions with Wells Fargo team members we were instructed to stop making mortgage payments, so Wells Fargo could take possession of our property that had a fair market value in excess of outstanding loans provided by Wells Fargo. This process was handled by XXXX XXXX<Wells Fargo Manager> in XX/XX/XXXX. Throughout this 10 plus year process we were led to believe that our credit reporting and financial losses would be corrected, given repeated errors by Wells Fargo. In XX/XX/XXXX, XXXX XXXX was making progress toward addressing our collective matters. Without explanation she was removed from our situation, Repeated request to the Wells Fargo Board of Directors were answered, no action resulted. With the most recent change at the CEO level, further requests have not received a reply.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Credit Reporting Agencies for Inaccurate Reporting Dear CFPB, I am writing to formally lodge a complaint against the credit reporting agencies for allowing XXXX XXXX XXXXXXXX XXXX to report an overdue balance on my credit report after the account was charged off. This inaccurate reporting has persisted for five years and has significantly damaged my credit score, negatively affecting my ability to secure loans and resulting in higher interest rates. 

Despite the account being charged off, XXXX XXXX XXXXXXXX XXXX continues to report this information as a fresh charge-off, which is misleading and inaccurate. This has not only harmed my creditworthiness but has also caused me emotional distress and financial hardship. 

I believe that the credit reporting agencies should be held accountable for permitting this incorrect information to remain on my report. It is crucial that they ensure the accuracy of the information they disseminate, as it directly impacts consumers financial opportunities. 

I request that the CFPB investigate this matter and take appropriate action against the credit reporting agencies to rectify this situation and prevent further harm to my credit report. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Bank account or service

Discover Bank closed my checking and savings ( account # XXXX ) accounts without asking me. I have a {$500.00} deposit in my checking, they refuse to give me my deposit back by check. and the only way is through an indemnity letter through my other bank, from with the {$500.00} was transferred in. My other bank, XXXX, does not do indemnity letters. 
Now am conned out of {$500.00} by the crooks at discover bank.
Product: Debt collection

The Company Professional Recovery Consultants felt the need to call my job. Another colleague with the same name to my own answered the call, and the worker gave her the last 4 digits of my social and was asking if she was me and was harassing her. I work in a XXXX, specifically in an XXXX XXXX, and was getting ready to talk to a relative of a XXXX XXXX. This is about a month after they called my boyfriend to get information from him about me. 

This occurred on XX/XX/2018, around XXXX. The website for the company is https : //prorecoveryinc.com/.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
AppleCard/GS Bank : XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my XXXX credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.