23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I pay for XXXX  monitoring service. I have not missed a payment in over 1 year. Experian says its been 1 month since my last 30 day late payment. I went on to my experian report and reviewed every single account individually and none of them have reported a late or missed payment. They can't or won't explain this and refuse to correct this. My score dropped 54 points over night literally because of this. I've been working very hard to fix my score for the past year to qualify for a mortgage. The dropped my mortgage score down to high 400 's.
Product: Money transfer, virtual currency, or money service

I have been locked out of my Coinbase account for approximately a year. I have repeatedly gone through their process of account recovery, but I am declined every time. My complaint has been elevated to a specialist department numerous times with no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

During  XXXX   XXXX ,  201  6 Wells Fargo placed an account for which i never applied for. I called and asked for it to be removed. However Wells Fargo h as only removed the inquiry from my  XXXX  report. It is still in both my   XXXX   and  XXXX  credit reports.   The inquiry : Name  : Wells Fargo Pl & L Inquir y Date :  XXXX   XXXX ,  2016  Phone: XXXX
Product: Mortgage

Step 1 : What is this complaint about? 

This complaint is about a HELOC with BMO Harris Bank. 

Step 2 : What type of problem are you having? 

We are having problems getting the money for the loan after the closing paperwork was completed. Without having copies of the closing paperwork to review in advance, we had to sign blindly on the online notary agent. 

Step 3 : What happened? 

The complaint has two areas of concern : 1 ) BMO did not share the closing statements for us to review prior to the loan closing. They gave us an electronic link to the documents, but the documents were not found on this website. Our paperwork was signed XX/XX/21 and allowed for 3 days to cancel ; however, we didn't get the notice until XX/XX/21 when I contacted XXXX XXXX to ask where our copies of the closing documents were at that time she sent them to me electronically only after I asked which was too late to cancel. 2 ) BMO is lagging in sending us the loan funds ; we signed on XX/XX/21 and the funds were still not deposited into our account on XX/XX/21. Where is our money? We bank with BMO electronically and this could have been done on the day of the closing! I'm assuming they will charge interest beginning on XX/XX/21? In addition, they took our money and paid off an existing HELOC loan for the wrong amount. When I asked why they didn't get a correct payoff figure before paying off the loan, XXXX told me that is not their practice, BMO just pays the amount from a prior statement and we have to try and get the money back from the other HELOC lender. 

Step 4 : What company is this complaint about? BMO Harris Step 5 : Who are you submitting this complaint for? XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Fl XXXX XXXX cell XXXX email XXXX XXXX a XXXX to Trans Union and XXXX for doing Ana amazing job. You guys stopped identity thift from happening and fixed my credit reports. For some reason XXXX  bank line of credit, XXXX  card, XXXX card. Not showing up on ether of them. Would like to see them on there. Please. Far as XXXX you still have the identity theft. You still showing XXXX  credit card, XXXX XXXX XXXX XXXX joint account, XXXX XXXX XXXX joint account, 2 accounts from XXXX XXXX XXXX XXXX. XXXX  dose not have my XXXX bank line of credit on there as well.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is a wrong account that i do not recognize as mine ... ..I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.
Product: Debt collection

To Whom It May Concern, I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding violations of the Fair Debt Collection Practices Act ( FDCPA ) and other related regulations. I believe that WELLS FARGO AUTO has engaged in a number of illegal and unethical practices in its attempts to collect on a debt, including calling, annoying, harassing, and abusing my privacy, even after being informed of a cease-and-desist order, as well as trying to persuade and coerce me into changing my complaint. 
Specifically, I believe that WELLS FARGO AUTO has violated the FDCPA by : 1.Calling, annoying, harassing, and abusing my privacy after being informed of a cease-and-desist order : On ( XX/XX/XXXX ), & ( XX/XX/XXXX ) I sent a written cease and desist certified mail receipt # ( XXXX ) & # ( XXXX ) to WELLS FARGO AUTO informing them that I wished to cease all communication through all mediums except USPS mail related to the debt XXXX Despite this, they have continued to call me at all hours of the day and night, using aggressive and threatening language, and making false and misleading statements. This is a violation of the FDCPA ( 15 USC 1692C ( c ), which requires debt collectors to respect a consumer 's request to cease communication. 
2.Trying to persuade and coerce me into changing my complaint : On XXXX WELLS FARGO AUTO called me and attempted to persuade me to withdraw my complaint to the CFPB. This is a violation of the FDCPA, which prohibits debt collectors from using any false, deceptive, or misleading representation or means to collect a debt. 
I request that the CFPB investigate these violations and take appropriate action against WELLS FARGO AUTO to ensure that they are held accountable for their illegal and unethical practices. I also request that any negative marks on my credit report related to this debt be removed, and that I receive compensation for any damages or expenses that I have incurred as a result of WELLS FARGO AUTO s actions. 
Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

FOR MONTHS I HAVE BEEN ASKING EQUIFAX TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I HAVE BEEN SENDING THEM MY IDENTITY THEFT REPORT AND I HAVE BEEN CALLING AND REQUESTING FOR THEM TO REMOVE THE FRAUDULENT ACCOUNT. THE SAME ACCOUNT WAS REMOVED FROM XXXX XXXX BUT EQUIFAX IS NOT REMOVING THE FRAUDULENT ACCOUNT. ITS HARD ENOUGH TO BE A VICTIM OF AN IDENTITY THEFT AND TO DEAL WITH EQUIFAX IS 100 TIMES WORSE, BECAUSE IT TAKES FOREVER TO HOLD OF ANYBODY WHO SPEAKS PROPER ENGLISH AND I FEEL LIKE THEY ARE NOT UNDERSTANDING THE CONCEPT OF THE IDENTITY THEFT REPORT.
Product: Bank account or service

Ally 's so-called " XXXX is a total rip-off! They falsely advertise that 'your rate goes UP if/when the Fed raises rates ''. They are LIARS! In 4 years times I was to receive rate hikes when The Fed raised rates - which The Fed did - twice. The first time The Fed raised by 0.25 % I was given only 0.04 %! The second time I got NOTHING except a snot letter from Ally that rates are 'raised solely upon OUR choice ''!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX denied - hard inquiry on credit report - no knowledge XX/XX/2023 XXXX XXXX - No knowledge XXXX XXXX managment - no knowledge Victim of identiy theft-
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute inaccurate and fraudulent information appearing on my Early Warning Services report, which I believe does not belong to me. The following accounts are erroneously listed, and I request a full investigation into this matter. It appears that these accounts may be the result of identity theft or a reporting error. 

Early Warning Services Report XXXX XXXX XXXX Account # : XXXX, XXXX XXXX Account # : XXXX, XXXX XXXX Account # : XXXX, XXXX XXXX Account # : XXXX, XXXX XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX Account # : XXXX, XXXX XXXX XXXX XXXX Account # : XXXX, None of these accounts are mine, and I have not authorized or opened any of them. I am requesting that XXXX XXXX XXXX conduct a thorough investigation into these accounts and remove all fraudulent or incorrect information from my records. 

Please find attached the following documentation to support my dispute : - A copy of my government-issued ID - A copy of my Early Warning report - A statement affirming that I did not open or authorize these accounts ( fraud report ) I would appreciate your prompt attention to this matter and request that you notify me in writing of the outcome of your investigation. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ), and I expect a resolution to this issue within the legally required time frame. 

Thank you for your prompt assistance in resolving this matter.
Product: Bank account or service

I bought something off ebay and was required to go through paypal ( which ebay owns ). I had a previously used paypal account that I had used once a few months ago with no problem. I checked out using that account. With no warning and without asking permission, it put that charge on paypal 's own credit line ( Paypal Credit ). I had never signed up for it, even though I had received incessant email advertisements for it. I was not informed in any way to my email or through any other means of communication that it had been added to that credit line. I only found out because a week later I was reading over my bank statement and saw the charge had n't been added to it. I then went to paypal to determine what the problem was ( whether it was still pending etc. ) and found out it had been added to their Paypal Credit system without my knowledge. I was then required to give them my bank account information and link my bank 's information in order to pay it off instead of just being able to pay it using my debit card ( as I originally intended to and had done before through them ). While I was thankfully able to realize this before I was charged interest, I still believe this was a deceitful practice and caused me harm by requiring me to go through additional steps in order to pay off a charge which I never intended to put on their credit system.
Product: Credit card or prepaid card

When I signed up the promotion was 40,000 pts if you spend {$1000.00} in the first 3 months. 

Chase response : " I regret to inform you that your account is not eligible for the new offer you requested. The original offer you applied for will remain on your account. You will receive : - Earn 10,000 bonus points after you spend {$500.00} in purchases in the first 3 months your account is open. 
- Get a {$200.00} statement credit after your first purchase. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see page attached. ) These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loan. These inquires are all the same lender and therefore should only be reporting as ( 1 ) line item. All of these inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only ( 1 ) inquiry. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Checking or savings account

I am writing to lodge a formal complaint against Bank of America regarding an incident that has caused severe inconvenience and financial hardship. As a valued client of Bank of America for the past 20 years, I am disheartened by the treatment I have received in light of this situation. 

In XXXX, my Bank of America account experienced a sudden and unexpected reversal of funds from a claim that was filed in XXXX of the same year. This reversal led to my account balance being deemed insufficient, which has had significant repercussions on my financial stability. 

I wish to highlight that over the course of my two-decade relationship with Bank of America , I have filed only three claims, reflecting my responsible and diligent use of their services. Despite this long-standing association and my infrequent need for claims, the bank 's decision to reverse the credited funds in XXXX came as an unexpected blow. 

The claim in question was related to transactions made with an online casino, whose information was stored in my memory and also conveniently saved in the credit card details on my phone app 's wallet. As an experienced and loyal customer, I believed that Bank of America 's robust security measures would safeguard against unauthorized transactions. Moreover, I had taken measures to protect my credit card information through secure means. 

Given my extensive tenure with Bank of America, I genuinely expected a more proactive and supportive approach from the bank in handling this matter. The reversal of the funds has caused me immense stress and financial strain, as it left my account in an insufficient state, resulting in additional charges and fees. 

I urge the Consumer Financial Protection Bureau to intervene in this matter and ensure that Bank of America thoroughly investigates the circumstances surrounding the reversal of funds from my account. Additionally, I seek fair compensation for the distress caused, as well as reimbursement for any associated fees or penalties incurred due to the insufficient account balance. 

I trust that the CFPB will address this complaint with the utmost diligence and attention it deserves. As a long-standing client of Bank of America , I hope to see a resolution that not only rectifies the immediate situation but also reinforces my faith in the bank 's commitment to customer satisfaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below were due to identity fraud/theft and I am not responsible for them. Thus accounts, inquries must be removed asap. per 15 usc 1681b you all are in violation and breaking the law because I did not authorize the companies to even furnish this information. Much less the wrong information at that!
Product: Debt collection

We leased a property in XXXX XXXX  from XXXX XXXX. Due to many maintenance issues the property offered to allow us to move out. We terminated the lease due to multiple breaches of contract and in accordance with their offer to allow the lease to be terminated. 

We also made a full and final settlement payment in the amount of {$940.00} which was endorsed by the company. 

The property sent us several notices about an outstanding balance. We replied to each notice with our dispute and related concerns. The company failed to ever respond to any of our disputes concerns. We will attach copes of those documents. 

We began receiving collection request from XXXX XXXX XXXX. We asked them for proof they were associated with XXXX XXXX and for copies of all of the prior dispute documentation that XXXX XXXX provided them with. They provided copies of our original contract. They provided no proof that they were authorized act on behalf of XXXX XXXX and they never acknowledged receipt of any of our disputes. 

Prior to receiving a response from us they called us and threatened to damage our credit by reporting to the credit bureau. We asked for proof within the deadline they provdided. They have now reported us to the credit bureau. Neither XXXX nor XXXX has once attempted to discuss our concerns outlined in our dispute. They are unfairly harassing us instead of making a good faith effort to discuss our concerns and to determine what is actually owed.
Product: Debt collection

After reviewing my credit reports I noticed fraudulent activity and contacted Comenity capital bank/zale they refused to investigate and remove this fraudulent account as they don't belong to me XXXX XXXX XXXX XXXX.I have been trying to get this fraudulent account removed for the last 2 years.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Account name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX Date opened : XXXX XXXX Amount : {$5000.00} Account name : US DEPT OF EDUCATION Account number : XXXX Date opened : XX/XX/XXXX Amount : {$5600.00} Account name : US DEPT OF EDUCATION Account number : XXXX Date opened : XX/XX/XXXX Amount : {$5100.00} I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Urgent Request- Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Additionally, I request the removal of all unauthorized inquiries related to this theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 

I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 

I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 

This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 

Thank you for your immediate action to this issue. 

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

There are XXXX accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX inquired on XX/XX/XXXX ; XXXX  inquired on the XX/XX/XXXX ; XXXX XXXX  inquired on XX/XX/XXXX ; XXXX XXXX XXXX on XX/XX/XXXX and there is XXXX inquired on XX/XX/XXXX The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. 
Did not consent to unauthorized inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not able to find my credit file and there is no problem pulling it from XXXX and Equifax. I have credit history of 8 years with mortgages, car loan, and 8 credit card. 
I have spent total of 150 min with them on phone with resolution except them saying you do not exist!. I am in process of buying a home and can't close until Equifax can provide me my credit report. 
Also, I use XXXX XXXX for personal use and they pull data for Equifax and its visible to me.
Product: Checking or savings account

On the XXXX of XXXX, a companion of mine executed a deposit of {$40000.00} into my Bank of Hawaii account. The aforementioned sum was diligently tallied multiple times, verifying a total of {$40000.00}. This transaction was carried out at the bank where the cashier also confirmed the total amount to be {$40000.00} after conducting several counts. My associate was then duly issued a receipt for the deposit, again stating the amount of {$40000.00}. 

However, a startling discrepancy arose three days following the transaction. The bank reached out, claiming an error had occurred and the deposit made by my friend amounted to only {$35000.00}, despite the earlier meticulous counts. The bank initially proposed a discussion with me concerning this matter but proceeded to deduct {$5000.00} from my account prematurely. 

The situation deteriorated when the bank denied access to an additional {$5000.00} from the original deposit of {$40000.00}. Consequently, this decision by the bank essentially signifies an unauthorized deduction of {$5000.00} from my balance, even though the bank 's own cashier had confirmed the deposit of {$40000.00} after multiple counts and the deposit slip provided corroborates this. 

Furthermore, the bank 's refusal to grant access to another {$5000.00} implies a total unauthorized deduction of {$10000.00} from my account. This action has transpired notwithstanding the explicit evidence of the original deposit.
Product: Credit reporting or other personal consumer reports

My credit report has several inquiries that I didnt authorize I was a victim of identity fraud