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

On XX/XX/year> ( Posted XXXX XXXX ) BMO Allowed an account takeover to occur. My phone was stolen, and Credentials to Online Banking. BMO, Allowed {$460.00} to be transferred externally to a XXXX XXXX XXXX, Whom I have never done business with. This transfer was by ACH. BMO Knowingly, Allowed the transfer to occur and deducted {$460.00} from the checking account. BMO Told me I did not respond to calls, However BMO never called me to begin with. I would have answered had I received a call, I did call to file a dispute for this unauthorized transfer back in XX/XX/XXXX. However the Representative put me on hold over 1 hour, and Wouldn't file the dispute. BMO Responded telling me that the Claim was never filed and that I needed to call back in and file the claim. So I filed the claim today XX/XX/year> on the phone with a rep hold for over an hour again. BMO owes me {$460.00} Claim # XXXX. I expect this to be overnighted Certified Funds to me. Free of charge for overnighting because I did not authorize the transfer. BMO Also opened the checking and savings account to begin with as identity theft. Which I already advised. BMO Does not allow me access to online banking to review transactions and BMO Charges me paper statements, {$3.00} even though I can not access. These are fraudulent account 's opened without my permission or consent. BMO Owes me monetary relief for the stolen funds as well, and BMO has been ignoring any attempts for me to recover the funds. Especially having a hard time filing a dispute for an unauthorized transfer. I would like to receive my {$460.00} Funds back that were not authorized. Please mail me an overnighted check, to my address on-file. Please do not charge me expediting since it's not my fault you never filed the dispute to begin with.
Product: Credit reporting or other personal consumer reports

I am rewriting the complaint to EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, GA XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting or other personal consumer reports

Looking further into my credit report, the following Account : XXXX, Account XXXX : XXXX, responded and said they dont report to Transunion from my previous complaint. According to the document I attached, that is false. They did report it but didnt update the status. If they didnt report it, the Transunion section would be empty. There are so many inaccuracies in this report, starting with the inaccuracies with XXXX and XXXX. I demand this account gets removed from my credit report if there is no proof that the information is being reported in 100 % accuracy.
Product: Credit card

Capital One closed my account on XX/XX/2024 and sent me the first notification regarding the closure on XX/XX/2024, after they had already closed the account. There was no notification in advance. With the closure, I lost all of my reward points. Because Capital One did not provide advance notice before they closed my credit card and no option to reopen or receive credit for the lost points since they closed my account. Attached is the statements and documents from the XXXXXXXX XXXX app showing no communication about closing the account prior to XX/XX/2024 and a screenshot of the letter they sent from the web app dated XX/XX/2024. Capital One informed me that they closed my account on XX/XX/2024 due to inactivity, which is before any notification was provided to me.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX INQUIRIES 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Portfolio Services of XXXX XXXX XXXX. XXXX XXXX, XXXX, C.A. XXXX has been contacted numerous times, starting from XXXX of XXXX until this date, in regards to a closed charged off account. This account is showing a balance of {$10000.00} and it should not be showing a balance sine the account is charged off. There has been numerous account changes since XXXX of XXXX made on this account. Sometimes it reports as still open then it changes back to account closed and charged off.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Urgent Dispute Immediate Removal of Inaccurate and Unauthorized Accounts & Inquiries To Whom It May Concern, I am formally disputing the inaccurate and unauthorized accounts and inquiries listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am demanding the immediate and permanent deletion of these items as they are erroneous, unverifiable, and unauthorized. 
Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies must conduct a reasonable investigation when a consumer disputes inaccurate information. Additionally, under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure the accuracy and integrity of the information they report. Failure to permanently delete these accounts and inquiries within 5 days will result in immediate legal escalation for damages.

These accounts contain inaccuracies and must be permanently deleted under 15 U.S.C. 1681s-2 ( b ), which requires furnishers to report only accurate information. 
Disputed Accounts on Equifax : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts must be permanently deleted under 15 U.S.C. 1681s-2 ( b ) as they are either inaccurate or unverifiable.

Unauthorized Hard Inquiries : Under 15 U.S.C. 1681b ( a ) ( 2 ), I did not provide written authorization for the 12 hard inquiries on my report, and I demand their immediate and permanent deletion. 
Legal Notice and Deadline for Resolution : Recent legal actions against XXXX highlight the importance of compliance : The CFPB sued XXXX for conducting sham investigations into consumer disputes, failing to properly verify information, and allowing previously deleted errors to reappear on credit reports. 
( Source : CFPB ) These violations demonstrate a pattern of noncompliance, and I am prepared to take legal action if my dispute is not resolved. 

Failure to permanently delete these inaccuracies and unauthorized entries within 5 days of receiving this letter will result in immediate legal action. I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), file complaints with the Federal Trade Commission ( FTC ) and the Attorney General and initiate legal proceedings for damages under 15 U.S.C. 1681n and 1681o. 
I expect confirmation that these accounts and inquiries have been permanently deleted. Upon completing your investigation, mail me a revised copy of my credit report reflecting these removals. 
This is a formal and final demand before legal escalation. Failure to act immediately will result in financial liability for willful noncompliance with the FCRA. 
Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I XXXX  cash app customer service number this number was XXXX XXXX XXXX XXXX. I spoke with a young man we got disconnected I called back another another man answered he started helping me and told me to download an app called XXXX. With this App he was able to look at my screen the young man told me to go in my cash app then asked me " who do I bank with '' my reply was XXXXXX/XX/XXXX. He then told me to open my mobile app and he told me we were going to do a XXXX quick pay of {$200.00} to see if my account was interrupted by anything. He then took the money then when I asked can he send it back he told me I would have to give him 3 minutes. So he went on to ask me to tell someone to Cash app me {$100.00} dollars because my cash app was not working properly. After I told him no he said well okay he will send my money and give me a confirmation call but he never called I called them back numerous times and he repeatedly hung up in my face and antagonized me and my family by calling us back. Colleague then tried to act as tho he wanted to help then told me to cash app {$86.00} a name called XXXX XXXX when done I done I also asked for my money back and he refused to send me my money back.
Product: Debt collection

I have received Two Telephone calls from the # XXXX, and Voicemails, from a Debt Collector, " Credit Management Co. '', on XX/XX/2020 and XX/XX/2020. They haven't explained, the Creditor 's information. 
I contacted them, on same days. They did not release any information, about the Creditor and Questioned my Personal informations. 
I did not release any information except my name. Because of Fraudulent activities which I have victimized, as a result of Data Breached, by " XXXX  Credit Management '' and " XXXX '' Transporation.
Product: Debt collection

RCS has been contacting me, my husband, and various members of my family AFTER we have told them multiple times that all communication is to be done via mail. XXXX XXXX is the one that is leaving threatening voicemails, yet XXXX ( something ) is the one who answers the phone when called back. XXXX is RUDE and extremely unprofessional, going so far as to hang up whenever he didn't like what we had to say, yelling at my mother, and cussing my brother out. I could barely get XXXX to answer me as to what company he represents, and he refused to transfer me to XXXX XXXX after calling back XXXX times. I wouldn't have known this was a debt collector, except he disclosed that he was attempting to collect a debt when my mother called them back ( illegal ), and never once told us that our calls were being recorded ( illegal ). He then threatens to sue me because I am now " harassing '' them when all I was trying to say was to stop contacting everyone and do everything via mail, but he would hang up on me before I could get it all out. I have recorded everything they have done, and every law under the FCRA that they have violated. This is not okay that companies are allowed to operate like this! They are harassing myself and my family and will not disclose anything as to why they are calling!!
Product: Debt collection

Portfolio Recovery calls me everyday from different numbers. I have already requested no calls, yet they continue to do so. The calls do not allow me to not accept the call. I only have the option to answer or send to voicemail. I have blocked every number theyve called me from- however, the numbers are randomized.
Product: Student loan

The whole process with Mohela has been very frusterating and confusing. From taking almost two months to respond to a customer service question, to confirming auto-debit, but then nothing was auto-debited, I am left confused and concerned that they are handling my loan repayment properly.
Product: Money transfer, virtual currency, or money service

Saw a post about puppies that were being given away with a rehoming fee. Due to where I live from where puppies are suppose to be, a delivery fee would be charged. I sent the money for XXXX puppies to XXXX account and the delivery fee to another. The morning of the day I chose for delivery I was asked for more money for a vet fee. They kept going own on the new amount they were asking for supposedly for the vet ad stated they could not move puppies until it was paid for. When I stated I was not paying anymore money and that I wanted a refund I was told I could not cancel. {$200.00} went to XXXX XXXX with an email of XXXX. Receipt of payment was confirmed. I have all message communications between the other party and myself. Post about puppies being given away was reposted again and has again since been taken down but I have a photo of the post. I sed XXXX through Navy Federal. 

I informed my bank that this was someone I knew and had documentation they stated that their was nothing that they could do. They only kept advising me to only send money to someone I knew.
Product: Credit reporting or other personal consumer reports

I am writing to formally contest the inclusion of a fraudulent accounts in my Experian credit report. Despite submitting a dispute letters and the required documentation to the Federal Trade Commission ( FTC ), as per your guidelines, this accounts persist on my Experian report. After uncovering these fraudulent accounts, I contacted the relevant companies, which acknowledged its fraudulent nature and assured me of its removal from their records. Subsequently, XXXX and XXXX have both expunged these accounts from their records after verifying its fraudulent status. I am puzzled as to why Experian continues to report these fraudulent accounts, especially since the other credit bureaus have already removed them. I have completed all necessary steps and furnished all relevant documentation to substantiate my claim of identity theft. 
I hereby request a comprehensive investigation into this matter and the immediate removal of these fraudulent accounts from my Experian credit report. The companies have confirmed the fraudulent nature of these accounts, and its persistence on my credit report is unjustified and detrimental to my creditworthiness. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX
Product: Debt collection

Goldman Sachs Bank USA is attempting to bully me into paying off a {$20000.00} loan I never took out by filing a lawsuit against me, as of XX/XX/XXXX. But Goldman Sachs had already recognized in XXXX that this was a case of theft of my identity. 
Their debt collection authority, XXXX XXXX XXXX, first contacted my wife and myself on XXXX XX/XX/XXXX. We immediately telephoned them and gave their representative, XXXX, ample evidence that this was fraud, including the police report, filed on XX/XX/XXXX. XXXX assured us that he would tell Goldman Sachs that the debt was fraudulent, and that I was not to be held responsible for it. 
I am a retiree and have lived in XXXX since XXXX ; until this time I have had a spotless credit record, and have no debts. The person who stole my identity ( name, birthdate, social security number ) lived in XXXX XXXX, where the loan was taken out, apparently on XX/XX/XXXX. I have never lived in OXXXX at any time, and have submitted ample evidence to Goldman Sachs to prove it. 
Despite my strong evidence, Goldman Sachs has not taken any action to end their unjust suit, which leads us to believe that they wish to bring me to court just to force me to pay for a loan I never took out. I am extremely distressed that I have to exercise greater diligence to prove that I am a victim of identity theft than the plaintiffs exercised in handing out money to a conman. 
I will attach the police report, the annotated letter from XXXX re. debt collection, and the document filing suit against me, which mentions the date and place where the loan was taken out.
Product: Credit reporting or other personal consumer reports

I formally disputed inaccurate and incorrect information that has been reported on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate, incomplete, or unverifiable. Additionally, I am aware that your agency and the data furnishers are required to comply with XXXX XXXX format standards when reporting data, which includes ensuring accuracy and timely updates. 
Dispute Details and Specific Violations : 1. Inaccurate Data Reporting ( XXXX XXXX Compliance Violation ) XXXX XXXX XXXX ACOOUNT # XXXX Issue : The information reported on this account is incorrect. I have identified errors such as [ describe the incorrect data, e.g., incorrect balance, wrong payment history, incorrect status ]. 
Requested Action : Please update the account information in compliance with XXXX XXXX standards, using the appropriate Compliance Condition Code ( such as " XB '' for resolved disputes or " XR '' for deletions ). 
2. Willful Noncompliance ( FCRA Violation ) XXXX XXXX XXXX ACOOUNT # XXXX Issue : The furnisher of this data has knowingly reported incorrect information despite my previous dispute efforts. This constitutes willful noncompliance under the FCRA, and I request that the data be corrected or removed immediately to avoid further legal action. 
3. Failure to Properly Reinvestigate ( FCRA Violation ) XXXX XXXX / ACOOUNT # XXXX Issue : Despite my previous dispute request, the data furnisher failed to conduct a reasonable reinvestigation and continues to report inaccurate information. This is a violation of FCRA Section 611 ( a ). Please update the account and apply the proper Compliance Condition Codes ( " XB '' or " XR '' ). 
4. Failure to Provide Method of Investigation ( FCRA Violation ) XXXX XXXX / ACOOUNT # XXXX Issue : After submitting a dispute, I was not provided with details regarding the method of investigation conducted by the data furnisher. Under the FCRA, I am entitled to receive this information. Please provide the method of investigation within 15 days of receiving this letter, as well as any documentation supporting the verification of the reported information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This contract with Ally financial has been rescission and should not be on my credit report. Please remove any derogatory statements from my credit report immediately. I have attached a copy of the rescission papers.
Product: Debt collection

There is a Debt with Credence Resource Mana for {$560.00} I never had a contract with this company also XXXX XXXX for {$410.00} this is not my debt I never had a contract with. According to Sec 609 ( a ) ( A ) ( 1 ) of the Federal Trade Commission, I requested for them to show me proof that I did infact make a contract with them and owe these debts and they have not provided the following information and can not because it is not my debt with them.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human Trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts.XXXX  XXXX. {$490.00}, XXXX XXXX. {$490.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting that I was late on 2 payments 2019. The first one that there are reporting is in XX/XX/2019. In XX/XX/2019 XXXX XXXX XXXX is reporting that i was 30 days late on a full payment which is {$400.00} The second payment XXXX XXXX XXXX is not reporting correctly in XXXX of 2019 stating that i am 60 days behind. both are not correct. I have disputed the late payments with all 3 credit bureaus. Also, I have reached out to XXXX XXXX XXXX multiple times.
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED MY XXXX XXXX ACCOUNT BEING REPORTED INACCURATELY. THERE IS NO DEFICIENCEY BALANCE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REFLECTING ANY REPOSESSION STATUS AT ALL. REPORTING THIS INACCURATE INFORMATION IS IN VIOLATION OF THE FCRA : I have the right to privacy and this information is being reported without my written consent which is in violation of 15 USC 1681B.

Furnishing information pertaining to my transactions is in violation of 15 USC 1681A ( I ) But most importantly, your company has the responsibility of reporting maximum accuracy to my credit profile and not doing so is in violation of 15 USC 1681E ( B ) I'VE CONTACTED EACH BUREAU VIA CERTIFIED MAIL REQUESTING VERIFICATION OF THIS INFORMATION, AND INDEED ITS UNVERFIABLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX bank Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U. S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Multiple requests have been made to MIDWEST RECOVERY SYSTEMS , LLC for p roof of debt required by federal law, but the company has refused to submit proof in writing. They continue to report a  7 year old  debt to credit reporting agencies, but they will not provide verification.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX