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

On XX/XX/year>, I first reached out to BMO 's fraud department regarding the unauthorized opening of an account under both my personal name and my business name. My SS number and EIN number for my business have been compromised. I have no idea who has this information. 
I purchased XXXX for Identity Theft Protection since the event and learned from a Dark Web Search that my information was sold on the Dark Web due to the national database hack this summer. BMO bank told me to submit a police report and IDTheftReport, which I did immediately. Per the instructions from IdentityTheft.gov, I'm trying to get the following information from the bank : Account Closure : That the fraudulent accounts under " XXXX XXXX XXXX  '' and my personal name have indeed been closed. 

No Liability : That I am not held liable for any transactions or negative marks associated with these accounts. 

Credit Report Clearance : Confirmation that the accounts are not reported as mine on my credit history. 

Since then, I have encountered several issues in trying to address this, including a lack of response to my inquiries and unclear instructions on communication methods. Although I was told by the fraud department that email was the only way to communicate, this is inconsistent with my initial phone discussions on XX/XX/XXXX. 

Despite assurances that the accounts in question were closed, I am formally requesting written confirmation on the above per the recommendations on the worksheet of IdentityTheft.gov. I'm not up to speed on bank regulations, but I feel BMO Bank didn't do their due diligence when setting up these accounts. I have absolutely no affiliation with this bank. I discovered the issue by getting an insufficient fund letter in the mail from this bank. Now they're avoiding talking to me about this issue.
Product: Checking or savings account

After calling about several amounts of money taken out Chime bank has yet to provide me with proof that money was suppose to be taken out of my account by them. I did A my pay for {$27.00} and they have been overtaking XXXX out of my check and they refuse to give me any follow up information or provide me with employee Id numbers
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent ( account XXXX ) 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 written instructions
Product: Debt collection

XX/XX/year> Hunter Warfield tried to access my XXXX credit reporting I received a notice from XXXX and it has effected my rating droping it down from XXXX to XXXX. It's a false inquiry on my account and XXXX has noted it as a Hard Inquiry. To get rid of this I had to report this to you as well. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that in fact was paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has never been late on payments. I've attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). I'm now requesting you investiage and provide verifiable proof with records showing that I had late payments. If this information can't be verified I demand that the payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter in the mail from XXXX XXXX  dated XX/XX/2023. It was thanking me for a recent application for a XXXX XXXX Credit Card. They were not approving the application. 

I DID NOT apply for this card. I contacted XXXX XXXX  to make them aware. I also filed a dispute with Equifax to have the hard inquiry removed from my credit report. 

I have also put XXXX alerts on all XXXX of the credit reporting companies.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureau to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

**This is not a duplicate complaint** This is a new complaint with the same company** I have an account with a community bank through Alphaeon Credit. The account is set up with autopay to avoid worrying about the monthly payments. Yesterday, I noticed the autopay hadn't been charged for a long time and decided to log into the Alphaeon account to make sure the autopay was still set up. The autopay is still set up, and everything looks fine ; I noticed a balance of {$280.00}, so I decided to program the payment manually. Later that day, XX/XX/2024, I received a notification from my credit report stating that the community bank reported late payments on my credit. Even though they have a bank account set up as autopay, they never contacted me via phone, mail, or email to inform me if it is any issues relating to the autopayment. Now, my credit report shows one late payment from a community bank, which affects me as a consumer for my future purchases. I have tried to call multiple times since yesterday and chat with customer service, but there is no answer.
Product: Mortgage

NOTICE OF WELLS FARGO BANKS, N.A. MATERIAL VIOLATIONS UNDER CALIFORNIA HOMEOWNER BILL OF RIGHTS ( HBOR ). 
See attached letter dated XX/XX/XXXX which demands that Wells Fargo Bank comply with California 's XXXX. 
Because Wells Fargo Bank has refused to comply with California 's XXXX, and given the evidence that Wells Fargo Bank has committed fraud and altered documents in my specific case, I am asking the Consumer Finance Protection Bureau to forward my CFPB case files to California 's Attorney General so that this evidence of fraud can be presented to the grand jury now authorized under California 's Senate Bill No. 1474. ( see attached CALIFORNIA SENATE BILL No. 1474 Approved by Governor XX/XX/XXXX.Filed Secretary of State XX/XX/XXXX. ) Wells Fargo Bank is knowingly and intentionally concealing from the Consumer Finance Protection Bureau and Courts evidence of fraud and lack of an accounting for this loan. Attached are several relevant court cases which categorically prove that despite Wells Fargo 's denial of wrongdoing, they are in fact committing fraud upon our Courts and Governmental Agencies. 
As a result, I have also decided to bring claims against Wells Fargo Bank in both State and Federal Court. 
VERIFIED COMPLAINT FOR INJUNCTIVE RELIEF AND DAMAGES UNDER CALIFORNIA HOMEOWNERS BILL OF RIGHTS : 1. FOR DECLARATORY RELIEF ; ENJOIN FORECLOSURE FOR INVALID BENEFICIARY, IMPROPER TRUSTEE [ C.C. 2924 ( a ) ( 6 ) ] 2. TO QUIET TITLE TO REAL PROPERTY ; 3. CANCELLATION OF INSTRUMENT [ C.C. 2924.11 ( D ) ] ; 4. PREVAILING PARTY FEE AWARD CC 2924.12 5. UNFAIR COMPETITION LAW [ C.C. 2924.12 ( G ), B & P CODE 17200 ET SEQ. ] ; 6. FRAUD/MISREPRESENTATION/DECEIT ; 7. FOR AN ACCOUNTING ;
Product: Checking or savings account

Citibank closed my account last year XXXX with funds of {$290.00} they said they sent a check which they sent it to an address I havent lived in 6years I called them they stated they sent another check to the nee address but they didnt put the right apartment I called a third time they stated they I had to send a copy of a bill which I did in order to prove I resided at the address i never got a response so I called them they send they received it and they would resend it and I would receive it within 5-10 business days and I still havent received anything!
Product: Credit card or prepaid card

On XX/XX/2022, Application : XXXX was denied in violation of the The Equal Credit Opportunity Act ( ECOA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially sent out dispute letters XX/XX/XXXX to the 3 major credit reporting agencies in order to correct erroneous marks on my credit file. After the investigation period was complete, a lot of the items came back as verified on my Equifax and XXXX report, all derogatory items that I disputed were dropped from my XXXX credit report due to the fact that they could not be properly verified but again, remained on my equifax and XXXX. Im also aware that these reporting agencies MUST by law, conduct a thorough investigation on their own and can not merely parrot or use what an original creditor or collector says as means for verification, they also may not use XXXX to verify. So I am requesting that the following items which remain on my equifax and XXXX credit file be removed immediately. 

Equifax & XXXX XXXX : XXXX XXXX Balance : {$780.00} Opened : XX/XX/XXXX XXXX XXXX Balance : {$450.00} Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$75.00} Closed/ Charged Off Accounts : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX {$450.00} XXXX Balance : {$5000.00} ( Balance is incorrect )
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date XXXX Balance Owed : {$0.00} - Charge off
Product: Credit reporting, credit repair services, or other personal consumer reports

Step 1 : Sent off dispute letter. National Credit Systems respond in 30 days. Letter was sent off and delivered certified mail XX/XX/XXXX XXXX XXXX DELIVERED LEFT WITH INDIVIDUAL, XX/XX/XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX. Company Responded XX/XX/XXXX not being able to validate debt or records and proceed not to remove the reporting collection off my credit. 

Step 2 : Sent off letter 2 dispute letter. National Credit Systems responds in 30 days :. Letter was sent off and delivered certified mail XXXXXXXX XXXX DELIVERED LEFT WITH INDIVIDUAL, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX. No response. 

Step 3 : Sent off dispute letter. National Credit Systems respond in 30 days. Letter was sent off and delivered certified mail XX/XX/XXXX XXXXXXXX XXXX DELIVERED LEFT WITH INDIVIDUAL, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Company Responded XXXX XXXX still not being able to validate debt or records and proceed not to remove the reporting collection off my credit.
Product: Mortgage

I have always been fond of my XXXX based brother whom suffers from XXXX XXXX problems. I rearrived back to XXXX from XXXX in XXXX. I have been communicating with SPS  since XXXX XXXX initiated and we are in good contact. It was suggested to me from SPS to contact GA XXXX XXXX XXXX XXXX XXXXe, which I proceeded to do, however, myself and others were victim of fraud phishing scheme, as I had heard on the news. As a result of the aforementioned fraudulent activity, I have been getting calls, letters, etc which prompted me to start a police report in response to the stolen information. I was told by SPS that I had to choose either the GA XXXX XXXX GA Mortgage assistance, or the modification of the loan. I have successfully passed all the conditions for the modification approval. I am tasked to choose between the two so I am taking time trying to make the best informed decision as it relates to my mortgage. 
Every payment has been made on time, however, due to the past Pandemic, I exercised the XXXX XXXX XXXX, for ease of caregivers for my daughter and brother. I am fighting fraud and weighing options between the two so please allow me a few more moments to make the best informed decision for my circumstances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to request a copy of my Consumer Disclosure Report from LexisNexis four times over the course of roughly a month ( XXXX 2023 ) ; each time they respond with a letter via mail stating that they can not verify my identity based on the information I provided. 

Within the same notice ( s ) they recommend I resubmit my request with additional information.

However, I have provided all information they will accept when requesting my Consumer Disclosure Report ; all of which is accurate as it relates to my actual identity.

This has effectively made obtaining my Consumer Disclosure Report impossible.

I am filing a complaint in the hopes that it will help me to obtain a copy of the report I am legally entitled to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/23 I have filed an electronic dispute with XXXX, XXXX, and Trans Union for an auto loan account named XXXX ( XXXX XXXX XXXX  ). They have this same car loan on my credit report with XXXX XXXX which is legitimate.This non action and indifference is being performed in collusion with a group of informants and federal agents as a synthetic identity theft. This has negatively affected my credit line and score deliberately.
Product: Money transfer, virtual currency, or money service

ON XXXX XXXXXX/XX/2023, I made an in person deposit of XXXX CASHIER 'S CHECKS INTO MY XXXX TRUST ACCOUNT ( XXXX ACCOUNT ) WITH BANK OF AMERICA IN XXXX XXXX, NEW YORK. XXXX CHECK WAS XXXX AND THE THE OTHER XXXX. After I left the bank, I checked my account online to see when the funds would be available. It stated that the funds would not be available until XX/XX/2023 AT XXXX XXXX. ( SEE ATTACHED PRINT OUT SHOWING THIS INFORMATION ). I HAVE ALSO ATTACHED IMAGES SHOWING BOTH CHECKS ARE CERTIFIED CHECKS, XXXX FROM XXXX BANK AND THE OHTER FROM XXXX. I CALLED THE LOCAL BRANCH WHERE I MADE THE DEPOSIT AND SPOKE TO A MANAGER, XXXX XXXX, WHO STATED THAT IT IS NORMAL FOR A CERTIFIED CHECK TO BE HELD FOR THAT LONG FOR VERIFICATION PURPOSES. I EXPLAINED THAT WHAT SHE STATED WAS NOT LOGICAL SINCE THE CHECKS WERE CERTIFIED. SHE STATED THAT SHE COULD NOT LOOK UP MY ACCOUNT WHILE TALKING TO ME ON THE PHONE AND TOLD ME THAT I SHOULD CALL CUSTOMER SERVICE. I THEN WENT INTO THE BRANCH AND MET WITH XXXX XXXX IN PERSON. SHE EXPLAINED THAT SHE COULD NOT REMOVE THE HOLD FROM MY ACCOUNT BECAUSE IT WAS PLACED BY " BACK OFFICE '' AND THE BRANCH HAS NO CONTROL OVER THAT. WHEN I QUESTIONED WHY IT WOULD TAKE SO LONG TO VERIFY A CERTIFIED CHECK, SHE PROCEEDED TO OFFER THE SAME GENERIC EXPLANATION THAT CERTIFIED OR NOT, IT IS A PROCESS TO VERIFY AND SHOULD HAD NO ADDITIONAL INFORMATION. SHE CALLED THE " BACK OFFICE '' AND SPOKE TO SOMEONE IN MY PRESENCE BUT IN THE END COULD NOT TELL ME WHY THERE WAS A HOLD ON MY ACCOUNT WITH THIS PARTICULAR CHECK AND IF THE HOLD WOULD BE REMOVED PRIOR TO XX/XX/2023. BOTH SHE AND THE PERSON WITH WHOM SHE SPOKE STATED THAT IT WAS PERFECTLY NORMAL THAT IT WOULD TAKE XXXX  DAYS TO VERIFY A CERTIFIED CHECK. WHEN I STATED THAT WHILE I UNDERSTAND THAT ALL CHECKS MUST BE VERIFIED, IT SHOULD NOT TAKE XXXX DAYS FOR CERTIFIED FUNDS, ESPECIALLY IN A TRUST ACCOUNT, TO BE AVAILABLE, SHE STATED THAT SHE WOULD LOOK INTO IT AND GET BACK TO ME BUT HAD NO OTHER EXPLANATION THAN A GENERIC ONE ABOUT VERIFICATION OF FUNDS AND CONCERN THAT A CERTIFIED CHECK COULD BOUNCE. I THINK BANK OF AMERICA PLACES LENGHTY HOLDS ON CUSTOMER 'S FUNDS TO USE FOR THEIR PURPOSES. THE MONEY BEING HELD BELONGS TO MY CLIENT WHO NEEDS IT FOR OTHER PURPOSES. IT IS ALSO ODD THAT ON XXXX  AFTERNOON DURING BUSINESS HOURS THAT THEY COULD NOT LOOK INTO THIS PARTICULAR CHECK, WHICH IS CERTIFIED AND PROVIDE INFORMATION SPECIFIC TO THIS TRANSACTION. ALL THESE THINGS ARE DONE ELECTRONICALLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard and soft inquires on my credit report i don't approve or validate. 

fair credit reporting act
Product: Mortgage

I updated my Insurance coverages XX/XX/XXXX, there was an increase of premiums that were billed to the mortgage company as I have taxes and insurance in escrow. The Mortgage company was sent a bill to pay for {$770.00}, the mortgage company did not pay that bill. I then received in XX/XX/XXXX the Intent to cancel from the insurance company due to the balance owed. I paid the {$770.00} to the insurance company and the Insurance company informed the mortgage company. XX/XX/XXXX the Mortgage company sent me paperwork that stated they will buy insurance coverage for my house because they say I don't have coverage. 
I called the mortgage company ( Chase Bank ) they said they have received another intent to cancel and I do not have insurance. I asked for the documentation that stated I do not have insurance and they said they can not share that information with me, I would have to get it from my Insurance provider. I asked the insurance provider what they sent and they have no record of sending anything further to the mortgage company since I paid the balance due of {$770.00}. 
Chase bank is acting deceptive. There was no document sent to Chase bank by the insurance company. They were attempting to charge me for Insurance coverage that I didn't need. Again I had to prove to them that I have sufficient coverage. They should be required to share any documentation regarding my mortgage with me the customer. If I had not been paying attention to the documents that I received in the mail this would have cost me a lot of money.
Product: Student loan

The law school I attended was found with fraud and misconduct. I want to discharge my private student loans with Navient. Customer service keeps giving me the run around and not addressing my requests.
Product: Credit card or prepaid card

I previously purchased tuition education for my son. Due to COVID 19 he is and was unable to utilized these services. I have contacted them MANY MANY MANY times in writing and via telephone that to cancel this, we are not going to be able to utilize this due to the pandemic and the new way they change.d They first gave me provisional credit, now reveresed it. I do not want this educational services. I want a refund to my credit card and be done with this.
Product: Credit reporting

I disputed an account opened XXXX for a secured loan on a vehicle that I did not own. The results stated it was my account. I asked how was that verified. I was told Equifax compared my name, date of birth and social security number. I still explained that I needed more verification, such as provider of the loan requesting copies of dmv title reports to show when the vehicle was last registered in my name. I was informed that was all they do to verify info. This has not been helpful. the Equifax manager also argued with me regarding me telling him that I did not receive any updates with the first case listed. he also told me I was emailed a copy, and I informed him that I was not. the rep. called my name out to me wrong, so I explained that if they emailed anyone with that last name, then it was not me. I do n't feel I was adequately helped and have to live with what is on my credit without anyone to assist me in having it removed. the company will not send for ownership records for the vehicle for the date that the loan was taken out. the vehicle was traded and the first loan was paid off. The company had a second lien on the vehicle which the dealership was aware of. The vehicle was traded by me prior to XXXX.
Product: Credit card or prepaid card

I have had a credit card thru Bank if America since XX/XX/XXXX. A couple of months ago I received a new card with an expiration of XX/XX/XXXX. In the letter they said there had been some type of breach on there end and was issuing new cards. 
Two months ago I tried to make an automated payment like I have done for years. A few days later I receive a letter saying it was turned down by my bank. I called the bank and was told that it had to be something on the credit cards end because my bank does not send my payments back. I had more than enough in the account but the bank don't send payments back on my account. I called the credit card company and got it paid after speaking to a human.Then I did another credit card payment this month. Few days later another letter. I called Bank of America again and spoke to someone. She told me they didn't have my whole account number even though I've been paying out of the same account for years. I've had the same account number for 34 years. 
I tried to use the card today,XX/XX/XXXX, for a XXXX purchase and it was declined. I called Bank of America and was told my card was cancelled because of the two payments that were returned. The returned payments were not because of something on my end it was the credit card companies fault. Just as soon as I received the letters I took care of the problem. It just seems like I should have some say in this after having this card since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a copy of my credit report and noticed an account that was opened in my name without authorization. I filed a dispute with the credit bureaus and received a verified as accurate response. I contacted the data furnisher and was told that the account is mine and will remain open. I have reason to believe that a proper investigation was not completed for several reasons. 

The date of last activity, date reported, date opened, and payment status is showing different information on my credit report. I have attached a copy showing the inconsistency and erroneous information. 

To add, this account has passed the statute of limitations in the state of Georgia as defined below : In Georgia, the statutes of limitation for a breach of contract claim are : Six years for a written contract ( O.C.G.A. 9-3-24 ). Four years for other express or implied contracts ( O.C.G.A. ) This fraudulent account was opened in 2016 and has passed the statute of limitation. For all the reasons listed above, I would like this account removed from my credit reports and all files. 

To conclude, all derogatory accounts are supposed to be removed from my credit report after seven years and that has passed as well. 

Data Furnisher : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Experian XXXX
Product: Student loan

The number of payments eligible for PSLF is incorrect and Ive tried to correct this and no one seems to know how to help. Ive been in the medical field working for a qualified employer since 2010. I was also on XXXX with $ 0 monthly payment that I was told would still count toward forgiveness. But not all those payment are being counted as forbearance which would not qualify.
Product: Prepaid card

I was given a {$40.00} prepaid Vanilla Gift Visa card I have tried using the gift card in store and online and it is declined every time. 

I have never once been able to check balance online or activate card to perhaps register the card. A system occurred error always appears. 

I call the XXXX # on card and it does not provide balance- only option to hear main menu or speak to someone. 

I called XX/XX/XXXX and spoke to XXXX and he said he needed my name, address, phone number and email address. I provided everything until he said I would need to mail in a copy of my drivers license and some sort of bill. 

This feels so scammy.