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

Tuesday XXXX XXXX I made a dispute over multiple fraudulent transaction that occurred over XX/XX/XXXX and XXXX that amounted to well over {$13000.00}. 

On XX/XX/XXXX BMO HARRIS sent out a letter denying my claim the reasoning being because I used this vendor before.

However BMO did not request any documentation or evidence to support my claim.

I have since tried reaching out to BMO concerning this issue. Their customer service team keeps telling me there is nothing they are able to do and that I will have to email their regE team at XXXX for an appeal to the claim. All I will have to do is present the evidence in the email.

I reached out on to the regE team on XX/XX/year>. With the last four digits of the card number and the evidence showing that my account from the merchant was hacked. Therefore the fraud was related to my account from the merchant being hacked. I have NOT received any response from BMO on this matter and I was told I would receive a response in 10 business days. Well its been over 10 business days and still no response. See attached.

I reached out on XX/XX/year> demand more answers and a follow up. As XXXX dollars in fraud is BIG MONEY. See attached I had an ATM issue where an ATM at a branch had taken money from me but never deposited said money in my account. I reached out to the regE team and they responded immediately on MULTIPLE occasions. See attached BMO is ignoring my concerns and failing to be transparent about why they are not properly handling my case concerning {$13000.00} in fraud.
Product: Payday loan, title loan, or personal loan

In 2018, I applied for a loan in the amount of {$200.00}. At the time I was unable to pay back on time - I tried numerous times to contact the company and never received a callback or any email correspondence. I received a call from a third party company stating I owe way over {$4000.00} in accrued fees in which I was not aware to happen. When I ask for validation of the accusation they state theyre unable to send the information. Im getting harassed by the company DTXXXX  Management that Ill be sued, garnished wages and more fees. I really need help as I dont know how they received my information and I cant get any response from XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account Name : XXXX XXXX Account Number : XXXX XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S. C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : XXXX XXXX XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ).

" 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. '' Equifax, XXXX and XXXX etc. 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 Congress 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 that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company.

Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained b
y the consumer as a result of the failure or {$1000.00}, whichever is greater.

313.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the presence of multiple hard inquiries on my credit report that I believe to be inaccurate and unauthorized. These inquiries are negatively impacting my credit score, and I request that they be promptly removed from my credit report. I demand that these unauthorized hard inquiries be removed from my credit report within three ( 3 ) business days from the date of this letter. Failure to do so will result in further action to ensure the accuracy of my credit report. Thank you for your prompt attention to this matter. I look forward to the swift resolution of this dispute. Sincerely
Product: Checking or savings account

I received an advertisement in the mail from Bank of America offering a {$300.00} bonus for opening a new checking account. The offer stated that if more than {$4000.00} in qualifying direct deposits were deposited into the account within 90 days, then Bank of America would deposit the {$300.00} bonus into my account within 60 days. I opened the account on XX/XX/19 and met the terms by XX/XX/19. Thus, on XX/XX/19 I called to check on the offer and I was told that it didn't exist. This was told to me by a BOA customer service rep, XXXX, from XXXX New York. I still have the original promotion that I received in the mail and I read the offer code to XXXX. To make a long story short, I was basically told that the offer does not exist and that there was nothing that could be done for me. The offer code is XXXX. I tried uploading the original document but for some reason the upload portal isn't working.
Product: Debt collection

Ive been sending letters since 2018 to this collection agency and have not received anything I try to dispute it and have not heard back anything the collection agencies no reporting the information as valid I have no contract with this company no written signature or no validation of this that I dont know who this company is
Product: Payday loan, title loan, personal loan, or advance loan

I inquired about a loan with Pioneer Military Credit. This loan gets paid via allotment from XXXX before the paychecks enter my checking account. I started this loan and allotment on XX/XX/year>. The first payment was due XX/XX/year>. The first payment went through and then was returned several times before they took the payment. Pioneer military credit is saying showing a deliquent status for 30 days. It gets paid but they are still carrying over the 30 day late month after month. Pioneer says that there is nothing they have done wrong and will not take the 30 day late away even though I set the allotment up to pay.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Request for Immediate Removal of Erroneous Account from TransUnion Credit File. A copy of the judgment is attached, indicating that the case was dismissed without prejudice. I DONT OWE! 
Transunion File Number : XXXX Dear CFPB Representative 's, I am writing to request the immediate removal of XXXX XXXX XXXX  account XXXX, in the amount of {$14000.00}, from my TransUnion credit file. Enclosed with this correspondence is a copy of the order and consent, clearly indicating that I have no obligation to XXXX XXXX XXXX XXXX, trading as XXXX XXXX XXXX, and therefore, no outstanding debt to this entity. The attached judgment confirms that the case was dismissed without prejudice. 
The case in question, number XXXX, was resolved on XX/XX/year>, by The XXXX XXXXXXXX XXXX, a XXXX XXXX judge for XXXX XXXX. The Consent Judgment verifies that no amount was imposed on me by XXXX XXXX XXXX XXXX. Consequently, there is no valid reason for this account to persist on my credit report. 
( b ) Disputed debts READ : If the consumer notifies the debt collector in writing within the XXXX days described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I kindly request that you conduct a thorough investigation into this matter and promptly delete the aforementioned account from my TransUnion credit file. This information is part of the public record and readily accessible, confirming that I do not owe any debt to XXXX XXXX XXXX XXXX.
Product: Mortgage

Through an extensive investigation and evaluation of our mortgage documents including the Deed, Corporation Assignment of Deed of Trust, Adjustable Rate Note mortgage note by an expert with special skills including handwriting analysis, we have discovered that our mortgage documents that Bayview Loan Servicing has used in filing multiple foreclosures against us contain extensive fraud and defects, those defects include backdated documents, wrong county crossed out, falsely stated dates of transfer or no dates of transfer at all, fraudulent notarizations, forged signatures, signed by employees of the servicers or document preparers who often falsely claimed to be officers of the originating banks and other entities up the chain of assignments, and were robosigned ( i.e., signed in bulk ). <P/>Exhibit A ) Adjustable Rate Note the signatures on the document are forged, the county is wrong, all the lines for signatures have the same defect. Exhibit B ) Corporation Assignment of Deed of Trust, filed XX/XX/XXXX ; however, this date contradicts the closing date on Exhibit E ) Pooling Servicing Agreement, which states a closing date of XX/XX/XXXX, therefore XXXX XXXX XXXX filed the fake, robosigned Corporation Assignment of Deed of Trust FIVE YEARS TOO LATE. In addition The Corporation Assignment of Deed of Trust is also backdated with a effective date of XX/XX/XXXX the reason the document was backdated because XXXX XXXX XXXX was foreclosing on our home without standing from XX/XX/XXXX through XX/XX/XXXX, so XXXX XXXX XXXX filed this fraudulent document back date their standing for foreclosures from XX/XX/XXXX through XX/XX/XXXX. Furthermore, The Corporation Assignment of Deed of Trust is also signed by a ROBO SIGNER XXXX XXXX Assistant Secretary. In addition, the defects in the The Corporation Assignment of Deed of Trust states Certificateholders of XXXX, XXXX XXXX XXXX Pass-Through Trust XXXX is listed in XXXX XXXX XXXX Vs. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX..listed as Exhibit A of List of Trusts That Used Fraudulent Mortgage Documents PLEASE SEE EXHIBITS ATTACHED Exhibit A Adjustable Rate Note Signatures on this document are forged Exhibit B Corporation Assignment of Deed of Trust This document is completely fraudulent Exhibit D Pooling Servicing Agreement states attached is a copy of prospectus supplement dated XX/XX/XXXX, received in this Commission on XX/XX/XXXX,  under the name of XXXX XXXX Pass Through Trust XXXX XXXX File No. XXXX Exhibit E Pooling Servicing Agreement stating that trust closed on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase reported a late afternoon payment for XXXX but I made a payment in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that does not belong to me and i want it to be remove from my credit report. 

1. Identity Theft JPMCB CARD Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX  Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account XXXX : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This school is complete fraudulent I attended the school without a high school diploma and they offer me job re placement I was unable to do anything with the degree offered because no one honors the school. When I started school I asked them if I would be able to use my credit to go to another institution to further my education no school accepted the credit from this school and yes I now have my GED so that was n't the problem moving forward.i wrote them I disputed because im willing to   take legal actions to get my money back so I could receive a loan to go to another school
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB XXXX has violated my consumer rights by furnishing inaccurate and unverified information on my credit report XXXX XXXX XXXX is identity theft DELETE ( XXXX ) XXXX XXXX XXXX was NEVER LATE in XXXX  DELETE late payment ( XXXX ) ( XXXX ) FRAUD INQUIRIES DELETE XXXX XXXX XXXX XXXX XXXX XXXX  ( EQUIFAX ) XXXX XXXX XXXX XXXX DELETE INQUIRY over XXXX XXXX XXXX ( XXXX ) INQUIRIES ONLY XXXX not fraud over XXXX yrs DELETE XXXX XXXX XXXX  please delete old addresses that not on my government ID 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
Product: Consumer Loan

I got my husbands car impounded by police, car had 30 day hold on it. I went to XXXX for XXXX. When I got out in 3 days found out husband was XXXX. Next day my husband passed away. We had a title loan him borrower, me co signer. I called company told them everything. They said they would get car out and I would have to pay fees to get it back. We talked the whole month. They sold car behind my back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX XXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXBalance {$170.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXXBalance {$100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXBalance {$100.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXBalance {$210.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXBalance {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance {$760.00} XXXXBalance {$1200.00}
Product: Credit reporting or other personal consumer reports

I have sent multiple disputes to Equifax, XXXX, and XXXX. All of my disputes have been left unanswered. This is a direct violation of my rights under FCRA. I have attached the letters that I have sent to all three Bureaus. CFPB please assist me in fixing my credit report. Thank you
Product: Debt collection

I attempted to contact them and let them know that I did not sign up for classes with this school. I was a child and my aunt and uncle had total control over my paperwork.
Product: Debt collection

Portfolio Recovery has incorrect accounts listed on my credit report with all 3 credit bureaus. I have reached out to Portfolio Recovery without success and/or response. I have written Portfolio Recovery to remove the two erroneous accounts. 

XXXX XXXX
Product: Debt collection

To Whom It May Concern. 

RE : RECEIVABLES PERFORM MGT/XXXX   Agency name RECEIVABLES PERFORM MGT/XXXX Agency number XXXX Original creditor XXXX Good Afternoon, I am in the process of purchasing my first home, and my closing was canceled due to this collection showing on my credit report. I don't have a clue who this company is and they claim to represent XXXX XXXX and XXXX XXXX. I currently don't have, nor have I have incurred any debt with this company. The representative was extremely rude and hostile. They advised me to ay my bill and that even if wrong info on file, I must pay for them to remove. I reiterate i don't have an account with the referenced creditors ( They seemed lost and no accurate information was verified other than my name and not my middle name ). 

Please help me remove this erroneous information, which is a violation of my rights and the fair credit reporting act. 

Kind Regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Equifax reported that a security breach compromised the personal information of millions of creditors.
On XX/XX/XXXX, I used the EquifaxSecurity2017.com website to determine that my information was breached - according to the site, " based on the information provided, we believe your personal information may have been impacted by this incident ... '' I also signed up for a 90-day fraud alert.
Product: Credit card

I have a credit card with Citi bank and in the last two weeks. My card has been compromised and unauthorized charges have been placed on a duplicate card out of Florida. XXXX in XXXX with my XXXX card and yesterday in XXXX, FL. My cards have the chip technology but also the mag strip. I am requesting that Citi assign me a pin. I have also asked for this capability from XXXX. I think banks should provide a pin if requested. I also think it should be illegal for banks to charge more for a signature based transaction that a pin based transaction. The security provided by the chip as it is currently being viewed is for the security of the bank. Not the security of the consumer.
Product: Money transfer, virtual currency, or money service

I have some XXXX on Cashapp that I am trying to withdraw/sell. According to their policy I should be able to do so, but since they have closed my account whenever I go to verify my info to sell/ withdraw the XXXX  it says my account is closed. Whenever I reach out to support they just say that my request has been sent and someone for the team will reach out and they never happens.
Product: Mortgage

The short version as to what has transpired is as follows : After fighting with my insurance company for over two years I finally got them to pay for damages to my house in  XXXX . This came after having to get an attorney as well as an appraiser and ultimately a ruling from an official umpire. All of which I will have to pay ridiculous amounts of money to at my costs. Meanwhile while am fighting to get enough money to make proper repairs my mortgage company  (   XXXX   XXXX  ) with whom I am 41 months into a Chapter  XXXX  Bankruptcy sells my mortgag e to Selene Finance LLP.. The y were given partial repair monies from  XXXX   XXXX  as well as interest in  XXXX  of  XXXX  and the remainder of the repair funds from the insurance company around  XXXX  of  XXXX . The total is almost  XXXX  and all if not more will be needed to make repa irs. Selene Finance LLP is s tating that I must get a General Contractor to do all of the repairs even though my contract with  XXXX   XXXX  clearly states that I only need to use the money for repairs and that I am to receive these funds in draws with the mortgage co. performing inspection to validate the work gets completed before the money is given. I have repeatedly agreed to what the contract states which are identical to your regulations as well as th e State of  NJ, Unfortunately Selene continues to not follow the contract and will not let me perform the repairs myself and/or hire subcontractors even though I am a Construction Official for a large Municipality and have designed and built my own house previously as well as many remodeling projects over the years. There is no difference to them as long as all the work gets done, especially since all the work gets inspected by them before the funds are given and all the work gets inspected for code compliance by the city of  XXXX   XXXX . Meanwhile I can '' t get my house repaired nor can I resume collecting any rents ( which has made it extremely difficult to keep up with my current mortgage payments as well as my Chapter  XXXX  payments. I wonder if that is what they are trying to make happen so they can try and steal my house which I have owned for over 21 years. They have also refused to account for the whereabouts of these finds nor will they pay interest while they are illegally holding my money.  XXXX   XXXX  told me where my money was, that I could get my first draw whenever I decided and was paying me interest while they were holding it prior to the transfer of account  to Selene Finance LLP.  Only after Selene  Finance LLP  took over the loan did the problem begin. Please contact me if you have any questions and PLEASE HELP ME!!! I CA N'T AFFORD THESE DELAYS ANY LONGER!!! Thank You