23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom it May Concern, This Letter is a formal complaint that you are reporting inaccurate and incomplete credit information, I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that the bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a credit profile to all creditors who have received a copy within the last XXXX months, or the last XXXX years of employment purposes. 

Additionally, please provide the name, address, and telephone number of each grantor or other subscriber. Under Federal Law, you have 30 days to complete your re-investigation.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation.
Product: Checking or savings account

I opened an account with BMO Harris on XX/XX/2017. I opened the account online, and used a code " XXXX '' to earn a {$200.00} account opening bonus. The account was opened with seemingly no issues, and even issued me my account number. I did all the activities I was supposed to do to qualify for the account bonus. I called a few months later to find out why i have not yet gotten the bonus, and a rep told me to wait up to 6 months. I did, and called back. This time, I was told I don't qualify, because I'm not in their retail footprint. 

If I'm not qualified, then why did the system accept my bonus code, and issue me an account number? Where on their website did the company state that this offer and code is for consumers within their retail footprint, and how is their retail footprint defined? If I put in a code that I don't qualify for a deal for on XXXX or any other website, the code rejects - in this case, my zip code should have alerted BMO, and the code should not have been accepted, nor the account opened under the pretense that I will be getting a bonus. The fact remains that the code went through, and the account was opened. This is a systemic failure on the part of BMO Harris ' IT department, and is a bait and switch tactic to get people to open accounts they don't qualify for. 

I am demanding that BMO Harris honor their offer and credit my account the {$200.00} bonus. I have called numerous times, and the various individuals I speak to, most recently a XXXX in the online banking call center, refuse to escalate this matter, and furthermore refusing to provide me the number to the executive office to formally complain to someone that actually cares. 

I intend to further file a formal complaint with the CFPB for abusive advertising practices, and non-disclosure of terms when opening an account online for promos.
Product: Credit reporting or other personal consumer reports

I have had an issue with an alleged debt that I have attempted to resolve with TransUnion several times regarding a debt collection company called XXXX XXXX XXXX. I have disputed this with TransUnion ever since they started reporting it and it was removed and then put back on my credit report by them. I notified them that this account was in litigation and they refused to remove it. Now, as I stated in my other complaint about XXXX, TransUnion is reporting the same alleged debt from not only XXXX but also from another collection agency. I called into TransUnion on the XXXX of this month I believe it was and filed another dispute making them aware that they are reporting the same allegation from two different agencies. Also the last dispute I put in about XXXX with them is showing as open and estimated finish date of dispute is XX/XX/year>!!?? Seeing as TransUnion are not even considered credit bureaus and are reporting agencies and a for profit company pursuant to 15 usc sos 1681a ( w ) and I have disputed this false claim several times with them and they continue to cause my credit score to be damaged they are in willfull noncompliance and I am seeking to hold them liable for damages as well as have them remove the negative report information that is harmful to my wellbeing and livelihood.
Product: Credit reporting or other personal consumer reports

EXPERIAN BUREAU IS REPORTING XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - PAID OFF BUT AN AMT OF {$1500.00} XXXX. XXXX XXXX  OPENED XX/XX/year> - I HAVE A PROVIDED THEM WITH MY POLICE REPORT SHOWING I WAS A VICTIM OF IDENTITY THEFT AND FRAUD. THEY STILL HAVE NOT REMOVE FROM MY ACCOUNT XXXX XXXX IS REPORTING XXXX. XXXX XXXX XXXX - XXXX XXXX XXXX XXXX FRAUD 2. XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX  XXXX FRAUD 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - PD OFF BUT AN AMOUNT OF {$1500.00} XXXX XXXX IS REPORTING XXXX. XXXX XXXX XXXX  HITTING MY ACCOUNT BOTH IDENTITY THEFT. WAS REMOVED ONCE AND PUT BACK. ONLY SHOWING XXXX CARD ON XXXX OTHER CREDIT BUREAUS XXXX XXXX  XXXX SHOWS XXXX CARDS ON THIS BUREAU ONLY - IDENTITY THEFT/FRAUD
Product: Credit reporting or other personal consumer reports

I tried to open an account with XXXX XXXX XXXXXXXX and a couple of other banks but was having trouble doing so online and then was given this information by XXXX which shows this crooked company is behind all and negatively reporting my banking information in order to keep me from opening a checking account out of retaliation for my reporting banks in the past!! This needs to be illegal!! 90 percent of the people in this country are struggling financially this is just another way they are trying to oppress the poor!!! I lost my job in XXXX of this year and need a checking account set up for my direct deposit of XXXX!! The XXXX does not have my current bank XXXX on their list!! I want a copy of the report these crooks are using and want it deleted or I will be filing a class action against both them and XXXX!!
Product: Credit reporting or other personal consumer reports

I recently recieved a settlement from XXXX XXXX due to the vehicle being sold to me was covered under California lemon law because of the vehicle being sold as faulty and didn't meet the requirement under the law. However, I was told to pay the lease completely off but any further charges related to vehicle upon return wouldn't be charged and I wouldn't be held liable for them. Furthermore, Chase is not complying with the law and the agreement made with XXXX and all associated parties related to the vehicle purchase of the lease. They have harassed me during multiple calls and refused to reach out to XXXX XXXX  directly.I also explained them to stop calling during my work hours which they have continued to do. It is becoming distressing because of the illegal tactics they are conducting with my credit report, reporting inaccurate facts, and refusing to reach out to their own parties. I also explained to XXXX XXXX upon the return of the vehicle the agreement and they explained Chase was notified. Unfortunately, Chase is failing to comply and have negative impacted me and my credit report but stating I was late on my credit report and I'm in default.

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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Product: Debt collection

In 2019 my husband and I got a knock on our door from XXXX XXXX on a promotion for water treatment. 
What was to be a simple payment plan for an amount, has turned into failed attempts over and over through Aqua Finance. We set up auto payments, then to find out the payments " failed '' to go through. Then to be told by Aquafinance that they required large payment to catch us up!
Product: Debt collection

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : Innovative Recovery In addition, please remove all non-account holding inquries over XXXX  days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, tro o be provided within XXXX  ( XXXX ) days of the completion of your re-investigation.
Product: Credit reporting or other personal consumer reports

All negative marks and entries on all 3 of my credit reports and files have been involved in the credit breach of that of experian, equifax and transunion. I request all negative items be removed as per fcra 605b within 4 days.
Product: Credit card or prepaid card

I moved to my current address on XX/XX/XXXX. I began receiving mail for previous tenant immediately from Capital One. As of tomorrow I will have been writing " not living here '' " not at this address '' etc for XXXX years. These aren't addressed to Or Current Resident. They are sending Personally Identifying Information of an account holder to a non-account holder. This is a serious breach of handling sensitive information that has been purposefully ignored and overlooked by Capital One. My first call about this was today on XX/XX/XXXX when I got hung up on. My second call the customer service rep kept wanting to know MY name, which he and Capital One really have no reason to know and then kept asking me what is in the letters, which I wouldn't know because I don't open other people 's mail but which they should sure darn know since it's their letters that have been getting returned nigh on 2 years. Oh and there was a tenant here before me for at least a year, so it's been 3 years of them sending this PII to a nonaccount holder.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL 3 CREDIT REPORTING AGENCIES CONTINUE TO REPORT FALSE INCORRECT INFORMATIOM " XXXX   '' XXXX..NEVER HAD ANY BANKRUPTCY
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit repositories should correct the XXXX XXXX XXXX  Loan XXXX on my credit report.
The correct information for XXXX XXXX XXXX loan is the following : 1. The last payment on loan XXXX was in XX/XX/XXXX.
2. The loan XXXX was accelerated in XX/XX/XXXX, there were n't any monthly payments due after XX/XX/XXXX.
3. The last activity on loan XXXX was in XX/XX/XXXX.
4. XXXX XXXX XXXX DID NOT transfer/sell loan XXXX in XX/XX/XXXX. This remark should be removed from my credit report.
5. The current status of loan XXXX is not 180 days past due or 120-149 past due. The CURRENT STATUS of loan XXXX should not reflect any past due payments.
6. The loan 's current status should reflect XXXX amount due, XXXX monthly payment, and no payments due.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I took out a loan online at XXXX. In XX/XX/XXXX I contacted the company via their 800 number. I spoke with a customer service representative because I was experiencing financial hardship and could not make the monthly payment. I was told that I had to call on XX/XX/XXXX when the loan was 30 days past due to request to be put on the hardship program. I was told that as long as I called before XXXX a.m. XXXX my loan would not be reported late. 

I called the 800 number XXXX times on XX/XX/XXXX, and was told that XXXX was experiencing issues with its website which prevented me from being offered a hardship program and that they were not aware when the issue would be resolved. 

During the third call I spoke with a representative whose first name was XXXX. I decided to use the money for my rent to make the payment to avoid a 30 day late payment of my credit report. I made the payment while XXXX was on the phone with me and she confirmed that I was making the payment before XXXX p.m. XXXX and it would not be reported as late event though the system stated the payment would not post until XX/XX/XXXX. 

XXXX stated this was an error as the website was experiencing issues and that she was created a ticket so that her supervisors and others were made aware of the issue. 
XXXX told me to send an email to XXXX to also make them aware of the matter. I received a response from XXXX stating my payment was late and would be reported to the credit bureaus. 

On XX/XX/XXXX, I called the 800 number again and once again spoke with XXXX. She reviewed the email that I received from XXXX and stated she would escalate the issue to her supervisor because my payment was not late. 

After speaking with XXXX, I again received an email from XXXX stating my payment was not received on-time. I am filing a complaint because of the inaccurate credit reporting. 

Prosper states all calls are recorded. Therefore, my calls should be able to be reviewed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX AMOUNT {$400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX AMOUNT {$820.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX AMOUNT {$1000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX AMOUNT {$6400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX AMOUNT {$16000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX AMOUNT {$420.00} XXXX XXXX XXXX XXXX XX/XX/XXXX AMOUNT {$200.00} in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights, 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: Credit reporting or other personal consumer reports

According to 15 USC 1681EB, CREDIT REPORTING AGENCIES are suppose to assure maximum possible accuracy. The XXXX  account on my CREDIT REPORT is not accurate according to the Fair Credit Reporting Act. The DEBT has been CHARGED OFF AND WRITTEN OFF. This account is negatively affected my CREDIT SCORES. Please update report or delete account immediately for violating 15 USC 1681EB.
Product: Credit reporting or other personal consumer reports

I had some fraud on my credit. Someone used my SSN to open a XXXX XXXXnstallment loan. I was able to obtain my credit report and saw XXXX inquiries that i DID NOT authorize. Inquiries on my credit are all fraudulent and I would like for them to be removed. I have reached out to the companys and they wasnt able to provide any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a loan with this company and ive been receiving threating calls to damage my credit.. this company gave me a loan and i did not know the interest in 40 % which is illegal in the state of florida. every time i pay the loan the amount does not go down. this isnt fair and its fraudulent. 
This is the article .. XX/XX/2023. Breach was discovered XXXX XXXX.. but they confirmed that their system was hacked months before they noticed. Why did it take three months to notify the consumer? 

The specific information involved in the breach, according to TMX, " may have '' included names, dates of birth, passport numbers, driver 's license numbers, federal or state identification card numbers, tax identification numbers, Social Security numbers, financial account information, phone numbers , street addresses and email addresses.
Product: Checking or savings account

RE : Bank of America XXXX ID # XXXX I filed the above reference claim with BofA aafter someone created a XXXX XXXX Account in my name and stole {$2400.00} on XX/XX/2021. The transaction was made on XX/XX/2021, and it appears that it was posted on XX/XX/XXXX. I filed the report as soon as I saw this large transaction. Coincidentally, I also had a large deposit on the same day as the transaction. That was my paycheck deposit and was completely separate from the fraudulent transaction. 

Apparently a few days earlier there was a transaction for {$5.00} on XX/XX/XXXX. I do not know if I saw that transaction or not but I certainly did not recognize it as a fraudulent transition. There were XXXX or XXXX other small dollar debit charges on the same day and I apparently did not see this charge among the others. 

Attached is a copy of the police report I filed with the XXXX Police Department. 

Bank of America responded that they were unable to approve the claim because " the charge was authorized by you or someone who has permission to use the card of the account. '' I did not authorize anyone. It clearly was not someone I know. 

I asked BofA for any documents they relied upon to make this decision, but they refused to give me any
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the XXXX XXXX and the XXXX reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, the credit company has refused to return a payment back to me as a consumer. For a purchase. They also have re issued the payment back to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I submitted a written request for Navy Federal Credit Union to remove negative information from my credit report. Navy Federal Credit Union agreed to remove this information in a contract with me on XX/XX/2018. Failure to honor this contract is considered wire fraud and breech of contract. 

It is now XX/XX/2018 and Navy Federal Credit Union has failed to respond to my request. Accordingly they are now in violation of FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies by failing to provide notice within the time identified in the statute as described in section 603 ( p ). 

I respectfully request the CFPB to intervene and facilitate this complaint with an acceptable outcome outside of the court process.
Product: Payday loan, title loan, personal loan, or advance loan

The company had approved my loan and deposited the money in my account before my final approval of looking over the payment schedule and the interest rate that was to be charged. Even 50 % interest I would accept. 685 % is completely inappropriate and is criminal. I wouldnt have accepted this if I knew the interest was that high.
Product: Mortgage

I refinanced my home with California Bank & Trust, they sold the loan without notifying me, and I made my checks out to them for two months after the refinance ( I have copies of the cashed checks ) but they did not forward funds to the new lender. Inside of 60 days I was turned over to collections by the new lender, and after numerous calls to California Bank and Trust, with no results, I am now in default of my loan. A representative of California Bank and Trust has acknowledged their mistake but to date, and it has been over a month now, has refused to reimburse me or pay new lender. I do n't know what to do, but I 've hired an attorney to look into the matter, and would also like to file a complaint. I understand they are legally bound to notify me of selling my loan inside of 30 days, which they most certainly did not. It appears as if my XXXX FICO score wo n't be XXXX much longer.