23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I have a car loan through BMO Harris Bank. I have set up an auto debit withdrawl through them from my private checking account with XXXX XXXX each month for XXXX XXXX  to go towards my car loan. The XXXX XXXX  was automatically removed from my account as usual on the XXXX of the month this month. I then had an additional XXXX XXXX removed from my XXXX XXXX account by BMO Harris 4 days later on the XXXX. XXXX confirmed that this was done by BMO manually by using my routing number for XXXX. I have called BMO harris to report this and was told an investigation was going to start and a supervisor would be calling me in 2 business days. No one called. I called again today and was on hold for 1.5 hours + and was transferred to 5 different people and all of them answered the phone then transferred me to another person and gave me no information and I never was able to speak to a supervisor or anyone at the fraud department. I emailed them copies of the XXXXXXXX XXXX statements two days ago as well and one person today who I spoke with said he doesn't see any incident report opened or any investigation started.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct.

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed a letter to have my private information corrected and all that is not listed needs to be removed as it is in incorrect. I read in the consumer credit law it states that it's against the law to report inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is fraudulent. I've tried many times to get this taken care of. After obtaining a court order and documentation from the District Attorneys office showing that someone is utilizing my identity with an fake ID.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, the natural consumer, a natural living breathing woman, in Good Faith, would like to bring to the attention of XXXX XXXX, XXXX, and Transunion Ithat I have recently obtained my consumer credit report and it appears you are reporting and publishing inaccurate information allegedly about me in a consumer file to the Consumer Reporting Agencies. The creditor is listed as U.S. Bankruptcy Court / US BKPT CT IL XXXX ( you ) a/k/a The United States Bankruptcy Court for the XXXX XXXX of Illinois XXXX 

This is my formalt request in asking XXXX XXXX, XXXX and Transunion to verify if your office reported any bankruptcy files to the Consumer Reporting Agencies? ( Please See Exhibit A attached ). 

I took the liberty of the disputing this very same information with the U.S. Bankruptcy Court / US BKPT CT IL XXXX ( XXXX ) a/k/a The United States Bankruptcy Court for the XXXX XXXX of Illinois and they have replied to me stating that they can not and do not report to the Credit Reporting Agencies. ( Exhibit B ) Your conduct has caused me stress, financially harmed me with costs, economical/noneconomical damages, embarrassment, XXXX XXXX and loss of credit opportunity. 

Your conduct has caused me a stress, financially harmed me with costs and loss credit opportunity. 

The bankruptcy information that you are publishing about me is inaccurate and incomplete : ( 1 ) The United States Bankruptcy Court for the XXXX XXXX of Illinois ; ( 2 ) Case XXXX ( 3 ) XX/XX/2018 ; ( 4 ) Discharged/Closed. 

DELETE the bankruptcy tradeline from my file and mail me a copy of my updated consumer file. Inform any person that you reported the deleted information to that it was deleted from my report. Also, I recently applied for a mortgage and my report was frozen/blank ; unfreeze and release it! 

If you deem the disputed information are verified, then I request your method of verification. Namely, I request a description of the procedure used to determine the accuracy or completeness. At minimum, I request the business name, address, and phone number of all furnishers contacted. I also request the name, address, and phone number of furnishers contacted for the initial file data. 

You do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Thus, I request that you contact me to review credit information about me before you publish it. Also, I do not consent to you making money from use of my name and request all monies made. A facsimile or photocopy of this letter or my typewritten signature shall be treated as an original. 



I sent this While ago to all three Companies and they are still reporting this inaccurate information about me and has not removed it. The Court wrote a letter stating that they do not report this information to anyone, Please BLOCK AND REMOVE THIS INFORMATION BECAUSE THIS IS IDENTITY THEFT AND NOT A TRANSACTION INITIATED BY THE CONSUMER, THIS IS NOT A CONSUMER CREDIT TRANSACTION
Product: Credit reporting or other personal consumer reports

Unauthorized inquiry on XX/XX/2024 from XXXX XXXX XXXX XXXX
Product: Checking or savings account

I first opened and deposited my funds according to terms and conditions required to receive the signup bonus on XX/XX/2019. 
After waiting the allotted 90 day period with my money in the acct, I reached out to see when I will receive the bonus. It was after the 3 months plus 4 months to receive. Then I reached out to the bank again and I have message records of this. The rep talked to the team lead manager and wrote back promising to deposit the funds after another 4  weeks starting from XX/XX/XXXX since the past terms and conditions. I waited again and now it is almost XXXX. I reached out again on XX/XX/XXXX reminding them that the 4 weeks is over and still nothing. They replied back asking me to wait 5 to 7 days and then again for 2 weeks. I am tired of waiting. This is obviously a scheme to keep money for as long as they want without giving back interest accrued. Their advertisement is false.
Product: Debt collection

XXXX, XXXX XXXX XXXX XXXX  # XXXX XXXX XX/XX/1984 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX PORTFOLIO RC XXXX Your company have violated FCRA XXXX15 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PORTFOLIO RC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/1984 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX
Product: Credit card or prepaid card

Montgomery Wards is an online store. Ginnys and XXXX XXXX are all 3 sister companies. Down to the account numbers. XXXX XXXX has sent me a letter stating they found my account was found to be opened fraudulently, but Ginnys and Montgomery Wards do the same.
Product: Credit card or prepaid card

Citibank at XXXX. XXXX XXXX, XXXX, OH, XXXX ; controls my Macy 's card and my Home Depot card. I emailed both businesses to let them know I am the victim of Identity Theft and Computer Hacking. However, they refused to work with me and the employees that I have arrangements with do not have the authority to make any such arrangements at all. The F.B.I. sent Citibank and the creditors themselves letters stating that the have the criminal in custody awaiting adjudication. None of this has stop their harassment, or their refusal to make arrangements that I can afford. This added XXXX by their continued harassment can XXXX XXXX as I have had XXXX XXXX in XXXX that I should n't have XXXX and a very XXXX XXXX in XXXX. Their employees are rude, do n't want to allow you to finish a sentence, which enrages me so that I can finish a sentence without their constant interruptions and demands that are unreasonable. I 'm currently living on {$300.00}, and they want $ XXXX a month. This is unbelievable.
Product: Credit card or prepaid card

Capital One did not furnish me with a Form 1099-C after two alleged debts of {$500.00} and {$300.00} was charged-off from credit accounts in my name. It is also to my understanding that once a creditor charges-off an account, that they receive a tax deduction for the charge-off amount when they file their taxes. That in turn converts the amount owed from an alleged debt, into earned income, which has fraudulently been reported to the consumer reporting agencies as charge-offs, of which I mistakenly paid off, and it misrepresents the amount charged off as alleged debt owed, instead of earned income, which is being fraudulently reported to the credit reporting agencies. Not only does Capital One have it listed on my reports as charged-off, but the received tax deductions on accounts that were paid, this is considered tax fraud according to the IRS.
Product: Student loan

I have had multiple conversations with the Navient where I was not given a choice of paying as much as I could towards my loans. It is already terrible enough that students have to be in debt tens of thousands of dollars from higher education, however the lender gave no options of lower payments when I could not pay their minimum payment. We would discuss my bills ( I live in NYXXXX ) and I could not afford their monthly payments. This negatively effected my credit score, thus making my life very difficult. Even when I lost my job, the phone calls kept coming. They harassed me and my co-signer. My credit is now below XXXX. I had a choice to make, pay my student loans or pay off my credit card debt I accrued from losing my job. I paid my student loans and in order to stop the phone calls and now I am still struggling with my credit card debt and terrible credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I paid off my car loan with XXXX XXXX. XXXX  did not send the payoff information/account status to all three Bureau 's until XXXX XXXX XXXX. When they did, XXXX and XXXX showed my account to be paid/closed and paid as agreed. Experian showed the same, but it also showed the account was 60 days past due of XXXX XXXX. On two separate occasions I sent Experian the proper documentation showing I had no delinquency 's. I then contacted both parties to have them correct the issue, neither party would do so. They both put the matter in dispute with a 30/40 day period wait. Finally on XXXX XXXX XXXX, XXXX XXXX sent the proper reporting 's to all three Bureaus. XXXX and XXXX updated their system on XX/XX/XXXX. I called Experian on the XXXX to have them do the same. I informed them that the other two Bureaus did so, yet Experian contuses to give me the run around. There saying it can take up to another 30 days for it to reflect on my credit. Meanwhile, my credit score has dropped 70 points as of XXXX XXXX. It has taken me a long time to have a excellent credit report, something I am very proud of. Yet, Experian refuses to correct the issue, even thought they have all the necessary documentations from myself and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1601 is part of the Truth in Lending Act ( TILA ), also known as Title I of the Consumer Credit Protection Act. It contains congressional findings and a declaration of purpose for the subchapter, which is to : Ensure consumers can compare credit terms and avoid uninformed credit use Protect consumers from unfair and inaccurate credit billing and credit card practices Strengthen competition among financial institutions and other firms Enhance economic stabilization I want to dispute and delete this off my credit report.

Delete these accounts 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I have discovered a fraudulent account that does not belong to me, this account XXXX XXXX XXXX opened on XX/XX/year> this account is fraudulent and does not belong to me. Also there is a fraudulent address on my account that does not belong to me the address is XXXX XXXX XXXX, XXXX XXXX, IL XXXX. 
And a hard inquiry XXXX XXXX XX/XX/year>. This is fraudulent please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I contacted XXXX about information they are reporting on my credit report that is not correct. I disputed information KY housing, my mortgage company, put in the additional comments of my credit report. It says i have a variable rate and i have a reaffirmation agreement with this company. I told them i have a fixed rate and that the reaffirmation agreement i had with them is 17-1/2 years old and they were only allowed to report about that bankruptcy for ten years. They closed the dispute and said ky housing verified it. i requested the procedure how it was validated and they said they just ask them and Ky housing sent back the same information as verified. I asked for proof of what Ky housing sent to verify, and they said my dispute letter is my proof. I stated i provided documents that show the reaffirmation agreement was 17-1/2 years old and my promissory note showing i have a fixed rate on my mortgage. They said they could not do anything because ky housing verified it. I am going to upload the dispute result letter from XXXX. A copy of the reaffirmation letter I signed in XX/XX/2005 to XXXX XXXX. My promissory note for my loan with ky housing. I have also contacted ky housing twice by email. To a lady name XXXX XXXX, XXXX which us the name of the person that sent me a copy of my documents from ky housing. I told her the information is not correct that is being reported by ky housing. She never would respond back to me. So i have tried all ways to rectify before filling this complaint
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX, XXXX  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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I previously contacted Zelle and XXXX about this issue multiple times through 2022, but I was never able to get a resolution. My XXXX checking and savings accounts have since been closed, yet I still am unable to access Zelle.
Product: Debt collection

I initially sent a cease and desisit request to XXXX and at this point am unsure if they received it. Received a call today for XXXX and called back and a XXXX XXXX picked up. Wanted to know why I was callling I advised her to advise them to cease and desist. XXXX XXXX then transferred me to XXXX. XXXX verified last XXXX of my social security number and I then asked me why I was calling. I advised her that I wanted to them to cease and desist any calls to me. XXXX then stated that they could only cease and desist if they were calling my POE ( place of employment ). She inquired on whether I was filing bankruptcy, I told her " no '' as I previously informed them that I was filing XXXX XXXX. I am tired of dealing with this company. Clearly the afent is unaware of a cease and desist as she asked me what I meant. Their collection tactics are tacky.
Product: Credit reporting or other personal consumer reports

I disputed a public record ( Collection Account ) which is not mine to Equifax, and Equifax continues to report the damaging information on my report. Equifax sent me a " Dispute Results '' pdf, stating that the information I disputed has been " verified as accurate ''. This is impossible, as the Collection account is not mine. The Collection company reporting to Equifax, XXXX XXXX XXXX, can not have any valid proof that connects me as owner of the account, as I don't have, or have ever had any contractual relationship with the utilities company claiming a defaulted account. Equifax is the ONLY reporting agency erroneously posting this negative and derogatory information about me. PLEASE HELP!!! Equifax 's dispute process is a joke. I have always had excellent credit, and what Equifax is doing is certainly not FAIR CREDIT REPORTING!!!
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was alarmed to discover multiple errors that should never have been there. These are not minor mistakes ; they are actively damaging my financial reputation and creating unnecessary obstacles. I will not allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed items can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution. 

Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, ID XXXX XX/XX/year> Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, ID XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported to all three credit bureaus that there is residence information that does not apply to me, and the information showed back up on my report and has also been included on employment background checks for XXXX County in Pennsylvania. I have advised them that the information belongs to my sibling and not myself, most recently viewed during a potential employer 's background check. I have initiated the correction to be made several years ago and most recently, XX/XX/2019. This erroneous information could be affecting future employment, and I am enlisting the bureau 's aide in finally resolving the issue. I have the emails that correspond with the investigation, and the completed reports for further review. I have documentation available upon request, as I am having problems uploading the information to attach.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX HAS VIOLATED MY PRIVACY AS A FEDERAL CONSUMER I HAVE NEVER GAVE ANY WRITTEN CONSTENT TO EQUIFAX TO REPORT ANY CONSUMER ACCOUNTS ON MY CONSUMER REPORTS