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

I originally purchased a car using Bank of the West as the lender. At some point the loan was sold to BMO Bank. I did not know this until BMO Bank called telling me that they needed a payoff amount of {$1700.00} immediately or they would start reporting delinquent notices to my credit report. My payments have been {$550.00} for the term of the loan. I explained to BMO Bank that at the beginning of XXXX, Bank of the West called me and offered to defer payments for 3 months due to mass layoffs. My wife and I had just been laid off so I had them explain how the deferment would work. It was explained to me that if I took advantage of the deferment offer that it would extend my loan term by the amounts of months that I deferred payments for however it would not affect my loan amount or interest paid. I accepted the offer to help due to the strain of my wife and I both being laid off and my new payoff date would be extended 3 months. When I explained this to the customer service representative for BMO, they told me that it was 4 months but they had no record of it so I would have to pay the full amount. I told them that was not the agreement and that I would need to speak to someone that can help me resolve this issue. They put me in touch with a gentleman named Irony. He listened and said he would take my problem to the proper people and get back with me in what was 3 days. When he called me back, he said that they couldn't find the deferment paperwork and they wanted me to send them the deferment paperwork and loan contract. I didnt understand this since they told me that it wasnt 3 months like I thought but it was 4 months. Yet they know nothing about the deferment? Also when Irony told me that it would be 3 days before he could get back to me, I asked if they would be reporting any delinquency to the credit reporting agencies. He told me that he couldnt guarantee that they wouldnt but I could just have them remove it if it came to that. That seemed completely unreasonable and I now had no faith that they were willing and/or capable of holding up any bargain or contract so I chose to just take on the financial hardship and pay off the loan amount seeing as how I didnt feel I should be responsible for Bank of the West or BMO Banks purchasing/selling my loan. I had never been late on a payment ( automatic payments ) and I dont understand how this type of thing happens. I held up my end of the loan and BMO seemed to not want to honor the loan that they purchased. I feel deceived and taken advantage of by BMO Bank and this has caused significant financial hardship on my family due to no actions by me. There needs to be some accountability from BMO Bank to understand the loans in which they are purchasing. To force this upon me, although I had nothing to do with their transaction, is inexcusable. I will be speaking with legal representation due to the unnecessary hardship BMO Bank is forcing onto me and Im sure other customers due to no fault of the customer. Something needs to be done about aggressive collections like this when Banks like BMO are the ones purchasing these loans.
Product: Credit card or prepaid card

Respectable Consumer Financial Protection Bureau, a capitol credit card was opened up on XXXXSince the card was used towards a promotion of a vacation while being opened up through the Bass Pro Shops no minimum payment was given, no date of first payment was given, no texts, no email and nothing sent to the address of mine at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. No one followed up from customer service. After a few weeks I myself called to inquire about the date of payment and minimum. By that time I was told that a {$27.00} dollar late fee has been generated. Also I was told that my monthly minimum was also {$27.00} dollars. I assumed that this was not a hidden agenda of purposefully generating a late fee of {$27.00} which would be more profitable than charging percentage of the credit card. It was revealed today that every time I made a payment of {$27.00} I have been charged {$27.00} as a late fee penalty for the previous month and that was done without any Capitol professional sharing it voluntarily unless directly asked by me, as I did today. By now as of today 's inquiry and complaint by me to speak with a supervisor 3 late fees have been assessed without my knowledge and have been refused by the supervisor to be with withdrawn. Also last payment of XXXX was suppose to be scheduled to be automatically withdrawn on time from my debit card but Capital one did the opposite and failed to charge the payment allowing the account purposefully to go late again generating once again this profitable {$27.00} dollar fee. After some investigating on my end to my surprise I have seen many complaints of capital one clients claiming similar circumstances. As I called Florida Attorney General It came to my attention that many complaints are made to the Attorney General with similar claims as well. I hope for a resolution with with the respectable " CFPB '' as I hope that it will not be necessary to litigate on this unethical issue. I would like my late fees to be withdrawn and my payment date of a minimum monthly amount to be set. Thank you! XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SENT THESE ATTACHMENTS VIA MAIL ON XX/XX/XXXX. I WAITED THE 30 DAY REQUIRE TO RECEIVE THE RESULTS, BUT I GOT NO REPLY. I WANT TO FILE A COMPLAINT. I am attaching the documents as stated by law to have items removed off my credit report that were a result of identity theft. My information was exposed in the Equifax breach, on which I've learned happened multiple times from XX/XX/XXXX-XX/XX/XXXX, but wasn't made public until the final breach. My information was also one of several South Carolina residents whose personal tax information was leaked in XX/XX/XXXX. Im taking the necessary precautions and steps to fix all the damage that was done, and prevent any further harm. PLEASE SEE ATTACHED.
Product: Credit reporting or other personal consumer reports

Experian is currently reporting negative information as a violation to federal laws. The U.S. Bankruptcy Court for the XXXX XXXX XXXX Georgia stated that they did not provide information to Experian and neither did I XXXX XXXX provide information or give them permission to report information. I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract. Until such time as you provide verification of the debt, I am exercising my right to cease and desist all reporting activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all reporting activities on this debt. Failure to comply with this request will result in further legal action.
Product: Mortgage

We have a XXXX mortgage with Fifth Third bank for the past 15 years and it has come due with XXXX still owed. It was a fixed rate installment loan and I was late several times but I have also paid most of the late fees. We have tried to get help to understand why we still owe so much but have not gotten anywhere. They apply our payments wrong and charge us late fees even when we are not late. I 've gotten the history and do not understand the way they apply the interest and principle and when I paid extra they did not apply it to the late fees. I would like to have this investigated or audited before I pay the total amount due. I know I owe money but I do n't feel it can be that much.
Product: Credit reporting or other personal consumer reports

Equifax did something wrong. Its been 1 year over they did not let me get my credit report. When I tried to go on the Equifax website its keep showing me the word XXXX They dont allow me to Acess my credit report at all. 
I did call Equifax to fix this problem but they didnt fix it right.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you are unlawfully reporting unauthorized inquiries on my consumer reports. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. I have not initiated any transaction with these companies. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. 15USC1681IA- when doing your proper investigation, it MUST be accurate and complete, please attach ALL evidence showing these inquiries are mine and also attach the original contract that will prove. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that these are my inquiries. I have account with these companies. The following inquiries are listed on my consumer reports are false and inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> credit reports listed below with the dates attached to inquiries that does not show open accounts on these dates. I do not contact these companies by law if there is not account attached to these date and companies and there is no proof of validation give to me the consumer they must be removed immediately required by law.
Product: Debt collection

CEASE AND DESIST COLLECTING ON XXXX XXXX AND XXXX XXXX XXXX ACCOUNTS DEALING WITH THE ORINAL CREDITOR. 
ALSO, CEASE COMMUNICATIONS YOU ARE VIOLATING THE DODD-GRANK ACT.
Product: Mortgage

US Bank ( Bancorp ) refuses to pay for a homeowner 's insurance policy which is included in escrow as part of the mortgage payment. I have contacted US Bank no less than three times in an effort to resolve the lack of payment. Despite my previous requestes, US Bank still has not made the policy payment as requested. US Bank now claims I called them to request the distribution payment to my insurance company be stopped. My insurance company and I have been attempting to resolve this issue since the beginning of XXXX ( approximately 20 days ).
Product: Debt collection

on my credit reports is a collection company called CAVALRY PORTFOLIO SERVICES, They are claiming they are collecting {$10000.00} from XXXX. 

I have disputed this via the dispute option on XXXX. This is not my debt ; I have never had a credit account with XXXX. When this dispute came back verified, I requested the procedure in which XXXX used to determine the accuracy of this account, per 15 USC 1681i ( a ) ( 6 ) ( B ) ( ii ). I did not receive that legally required information from them, instead they just said it was still verified.
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 XXXX : # XXXX, XXXX XXXX XXXXXXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX : # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$2100.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, 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 # ( private case number ) 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, credit repair services, or other personal consumer reports

Company was contacted in XXXX of 2017 about validation of account. After 30 days letter came in the mail without validation that was requested stating that they were disputing my claim but still has not validated. Company refuses to remove their reporting to all 3 credit bureaus also, even though they were unable to validate.
Product: Credit reporting

In XXXX XXXX, fraudulent attempts were made to access my existing credit card accounts ( unsuccessfully ) and to open new accounts ( unsuccessfully ). At that time, I placed security freezes with all XXXX credit bureaus. In XXXX, XXXX, XXXX of the XXXX bureaus ( Transunion and XXXX ) temporarily released the freezes to a fraudulent person. That person subsequently fraudulently opened XXXX credit cards in my name and then attempted a change of address on both cards. There is no mechanism in place for the credit bureaus to confirm identity ( other than the previously issued PIN ). A phone call to a phone an existing phone number in my credit file would have prevented the freeze release. Transunion released the freeze even though a credit card that was not mine was used to release the freeze. That credit card used is not on my credit report and the phone number used to release the freeze is also not on report. Transunion DID provide me with a new PIN after the fraudulent release AND it will ( supposedly ) now require a fax of identifying information prior to releasing a security freeze as well. XXXX released the security freeze even though the call to release the freeze was disconnected prior to getting any credit card to secure the release. XXXX then refused to issue me a new PIN without creating a new security freeze for an additional fee! So with XXXX there is still no mechanism in place to prevent the fraudulent person from again releasing the security freeze.
Product: Credit reporting, credit repair services, or other personal consumer reports

its been over a 1 year i sent in documents to Experian for the XXXX which is not vertify on my report by XXXX XXXX they stated that it is report as indentity therft should have been delected or remove from my credit report. I sent information with proof that bankrupcy was used with all my information from someone over seas and the company was a empty parking lot. i contacted the federal trade commission they complete a reveiw and found it appears that bankrupcy was not vertify.
Product: Credit card

I received a letter from Discover today advising me someone attempt to apply for a credit card in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 or other personal consumer reports

This is my first 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, remove 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 Balance - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance - XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX EQUIFAX MORTGAGE SER Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX  XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX EQUIFAX MORTGAGE SERVI Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX EQUIFAX XXXX  Inquired on XX/XX/XXXX XXXX
Product: Consumer Loan

Diamonds International, TD Bank credit provided 6 months same a cash and they are not honoring the documents signed. The purchase was made on the XXXX of the month and they are back dating the cycle to the XXXX. The XXXX is not the XXXX and it is n't 6 months as agreed to on the signed acknowledgement. They will not adjust the cycle correctly. This is not a fair practice and not 6 months.
Product: Debt collection

i verified that the debt was wrongly billed to me with XXXX hospital and they stated it should have been removed in XXXX and that it would be removed. they stated this on XXXX/XXXX/XXXX. i just checked and it still remains on XXXX/XXXX/XXXX on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit agencies are listing a negative account balance that does not belong to me and is fraud on my credit files I have requested the removal of this account and they have not done so or notified me of the results within thirty days they have not investigated this matter and this has caused a great deal of hardship and has had a major negative impact on my life
Product: Credit reporting or other personal consumer reports

I reached out to Experian and XXXX XX/XX/2024 asking both bureaus to provide information on how they obtained access to my public records for bankruptcy and if they couldnt provide proof then it needed to be removed. XX/XX/2024 I recieved a letter stating the dispute couldnt be closed because they needed more time to investigate. XX/XX/2024 I sent out a letter out again asking them to remove the bankruptcy report since they couldnt provide proof within the 30 days the law allows. XXXX XXXX I sent XXXX letters, XXXX of the copy of the XXXX bankruptcy stating they didn't authorize the reporting of my public records and the second letter stating they had XXXX weeks to remove the reporting if they couldn't provide proof they had they had the right to report on my public record according to the FCRA.