23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Hello, I am reaching out because someone tried to open a few different credit card accounts in my name. I was alerted about the fraud by XXXX ( my actual bank ), via their credit monitoring service, that multiple hard inquiries were done on my credit. Hard inquires were done by XXXX, XXXX XXXX, and Discover on my XXXX report. XXXX also pulled my XXXX report. The aforementioned applications are fraudulent. I reached out to the credit bureau 's and froze my credit ( the hackers/fraudsters who are impersonating me tried to open an account with XXXX while my credit was frozen but it appears that inquiry was blocked accordingly ). I also reached out to each of the institutions listed above to alert them about the fraud. According to the companies, those applications were marked as fraudulent and are in the process of getting pulled from their systems or an investigation was started by each company. That being said, in order to dispute the hard inquiries on my credit reports I needed to file a complaint with the FTC. When I tried I got transferred over to this website and that basically bring things up to the present moment. With this, I filed a police report with the XXXX Police Department earlier today to make sure all of my bases were covered. I can provide the report number or a copy of the police report upon request. I hope this can help resolve things somewhat cleanly since this is the second time someone tried to open accounts in my name in the past year. I was told fraud alerts were sufficient deterrents against this problem and though they were a good first line of defense, freezing my credit seems to be the only thing that will deter these fraudsters. I make a modest living and I worked for years to get my credit into a good place. Having that tanked by bad actors would quite literally ruin my life. I will be keeping my credit frozen for the foreseeable future and I recommend everyone does the same whether or not they have experienced a situation like mine yet. Thank you in advance for helping to resolve this matter.
Product: Student loan

I have reviewed my credit reports with XXXX, XXXX & XXXX and the reporting that Fed Loan continues to report has stalled my approval to purchase a home. Fed loan is reporting that my loan was opened in XX/XX/XXXX in which it was not. The original creditor is reporting an entirely different month. Fed loan is also reporting an incorrect XXXX date of delinquency. I have made several attempts to have these incorrect reporting updated or deleted but to no avail except for the deletion of XXXX of the amounts they have been reporting. This account has been closed for quite some time and I 'd like to see that the inaccuracies removed from my personal credit reports because they are extremely incorrect. How can they continue to report this {$4200.00} & XXXX debt on my reports incorrectly! This loan was originated from an institution that I attended and again, the date the loan originated is NOT XX/XX/XXXX. XXXX expressed in her mailer to me that by law they are to report accurate information to the credit bureaus and unfortunately, Fed XXXX is not abiding by this law as they continue to report erroneous information on all XXXX of my credit reports. This loan was originated in XX/XX/XXXX but prior to XX/XX/XXXX. I am requesting that I be provided with the signed promissory note that reflects the date that they are reporting. Per the XXXX, which is the XXXX and only accurate reporting agency for this loan, the date they 're reporting is incorrect. Furthermore, the payment history being reported reflects that the XXXX date of delinquency is XX/XX/XXXX on Experian, XX/XX/XXXX on Equifax & on TransUnion XX/XX/XXXX. Well which XXXX is it really!? How can this be accurate if it 's all different? I am requesting that these reporting 's be deleted or updated to reflect the correct loan details per the XXXX under the Fair Credit Reporting Act immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a dispute to the credit bureaus disputing the following listed accounts and asked for validation and verification of the accounts and not only have they not provided proof they have failed to respond. XXXX implied that I was using a credit repair company. I am not I am exercising my consumer rights to dispute the incorrect inaccurate and unauthorized information. 
XXXXXXXX XXXX Acct : XXXX XXXX XXXXXXXX XXXX XXXX of Michigan Child Support Acct : XXXX XXXX Acct : XXXX XXXXXXXX XXXX Acct : XXXX XXXX XXXX XXXX  Acct : XXXX XXXX XXXX ( XXXX ) Acct : XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX ) Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Acct : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was unable to log in to Experian using my password and was unsuccessful so I decided to select Forgot Username even though I was positive that my email address was correct. I only have 2 email addresses and this is not one of them. EXPERIAN HAS ALLOWED SOMEONE THAT IS NOT ME TO ACCESS MY ACCOUNT AND CHANGE THE EMAIL ADDRESS SO THAT I NO LONGER HAVE ACCESS TO MY ACCOUNT. I receive a security email from companies whenever I update information on my account notifying me that my account has been updated. I never received an email from Experian. I have tried calling but the automated system never allows you to connect with an actual person so I am following their process to send information via mail. 

I was a victim of fraud in late XXXX and almost 3 years ago to the day I sent a letter requesting a Security Freeze and it is distressing to now discover that Experian, a company that is supposed to be protecting me, has allowed someone to breach my account and change the email address so that I no longer have access to my account. 

I have done some research and have discovered that this has happened to others : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I am a victim of identity theft. An unauthorized credit inquiry has been made on my credit report without my consent. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and permanent deletion of the following inquiry from my credit report : XXXX XXXX : XXXX. XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I provided information to XXXX XXXX on XX/XX/21 that my car insurance paid for the rental car damage from ( XXXX XXXX XXXX XXXX XXXX ) and I should not be billed for it on my XXXXXXXX XXXX XXXX. 

XXXX investigated the matter and removed all payments from the rental company ( XXXX XXXX XXXX XXXX XXXX  ) On XXXX, I saw the charges put back on my card. I called and asked why, and they said the rental co. claim for the damages that's why. I asked them for proof that the rental company charge was valid, and they said the spoke to the rental company.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and Social Security Number : XXXX, and 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 Experian 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 credit cards from XXXXXXXX XXXX XXXX Opened on XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Opened on XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened on XX/XX/XXXX, and unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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

EQUIFAX FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i get preapprovals from capitol one every day in my inbox. i have been preapproved over 6 times for a capitol one card. i completed a XXXX XXXX application and it was denied because i had a fraud alert on my XXXX account i did not know about which i have now fixed with my phone number that was left off for my contact number which was done the same week. i have mailed them more documentation to dispute this issue to the office in XXXX XXXX XXXX, ut. they refuse to reopen my application and contact XXXX to process my XXXX XXXX. all my emails to capitol one that i have sent to them have come back. the refuse to help me in anyway on the phone. i have contacted to ceo 's office as well in va. my application number is XXXX my confirmation number for equifax is XXXX where i called and had ny phone number added to my fraud alert. capitol one so far refuses to have any other solutions other than pulling my credit over again to pull down my scores. hope you can help me get my XXXX XXXX  i applied for and i was preapproved for over 6 times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft & I never authorized any of these accounts. These accounts hurting my credit score and I being victimized by the bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX financial charged off my auto loan XX/XX/2020 for the amount of {$14000.00} as a profit and loss since I told them after the second engine seized and transmission went out and no warranty available they refused to come pick up the car. They continue to report my balance of interest each month and as of today my loan balance shows {$21000.00} as they keep applying an additional interest each month and reporting it to the credit bureaus. I have tried to dispute with the bureaus again online but to no assistance since they said I disputed back in 2020. This horrible company is going against the loan contract and I think law as far as what they can continue to report
Product: Debt collection

Kay Jewlers or " sterling Jewlers '' would call me 15-20 times DAILY. They called my wife/sibling/and even my aunt and have no idea how they got their numbers. They would ask my family me XXXX person information about me in which none would disclose. They would call from XXXX different numbers so I would never have any idea who was calling. The repeated calls would only lead to XXXX XXXX voicemails a day. This was extremely embarrassing in the workplace as my phone would constantly ring during meetings. I requested them to not call anymore and to just email/mail. This did not work. Each time the person would state they are from the home office of Kay Jewlers ... But had phone numbers from various parts of the country. I never knew if it was a scam or not. The individuals who called claimed I only had weeks to make it right or serous consequences would happen to me financially. This scared me as I could easily lose my job if this were to happen. I was forced to surrender my belongings out of fear of this which amount to {$1600.00}.
Product: Debt collection

I applied for a payday loan back in XX/XX/2018 in the amount of {$500.00}. The last email I was sent was an invite for me to use direct deposit. I was never sent an confirmation that the loan was approved but the very next morning I checked my account and the funds were there. I tried to contact the company and send the funds back but was told I couldn't do so. After reviewing the documentation I saw that I would end up paying 5 times the amount owed. Once the debt was sold to the third party National Credit Adjusters I did receive a letter in the mail and also a phone call from a very kind woman advising me of the payment options as well as offering a payoff. I told her at the time I couldn't afford another bill but I would call them when I am ready to make a payment. That conversation happened in XXXX and for the past 3 months I have received repeated call from different numbers all dealing with this same company. They call at all hours of the day and if I don't answer the number the will call from a different one the very next minute.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my XXXX XXXX XXXX and card used my personal identifying information to apply for XXXX XXXX XXXX XXXX ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Checking or savings account

I tried accessing my account and it says that my username has been changed. I NEVER changed it. It prompted me to reset it, and NOTHING happens when I enter the information. I tried calling and no one answers the phone. I called again and it prompted me to provide my phone number so that someone could call me back in 24-38 minutes. They called me back and hung up. This bank stole my money!
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX, and so on.
Product: Debt collection

XXXX XXXX services, only contacted me using a text that contained a link and said action will be taken if I dont pay. I tried to contact them because I refuse to click a unknown link that I randomly get on my phone. I told them I wanted a written noticed and they refused.
Product: Mortgage

Select Portfolio Servicing is foreclosing on my home. Over the years I have been unable to find the Noteholder/owner of my home. Over the past few years I have hired 2 attorney companys to try to get me a modification the last being bloom law group. SPS had stated that XXXX was my noteholder/owner of my note. I applied for a modification with the help of XXXX XXXX XXXX who I paid over {$6000.00} and SPS declined my modification application saying XXXX XXXX the investor had said no. So I went to XXXX XXXX executive office and was told they did not own the loan and was asked to leave. XXXX stated XXXX XXXX  owned the loan.. I contacted them and they sent me 3 letters saying they did not own the loan. They said XXXX XXXX XXXX XXXX XXXX did. I have 3 emails from XXXX XXXX  XXXX stating they do not own the loan. I requested repeatedly to SPS the current deed of trust assignment and have attached what they sent me which is fraudulent. XXXX paid {$10.00} for my {$300000.00} home. they did not send me the fraudlent XX/XX/XXXX filing. The deed of trust of XX/XX/XXXX was backdated and fraudulently signed with no assignor. This forclosure says it was a Jp chase, XXXX  XXXX XXXX XXXX XXXX  for XXXX XXXX asset backed securities trust XX/XX/XXXX asset backed certificates series XX/XX/XXXX. I have asked repeatedly both written and verbally for the paper trail to this loan and only received these 2 fraudlent papers. The loan originated with longbeach mortgage went to wells fargo to Washington mutual to bear sterns and sold to a trust. We have hired a forensic mortgage examiner and they have documented all the fraud. We went thru the mortgage modification process and were denied saying that XXXX has said NO. They don't own it. We are currently going thru another mortgage modification process with this foreclosure hanging over our head. We Just want to save our home, The loan was sold to a trust and none of the companies involved are currently in business. XXXX XXXX XXXX has filed false foreclosures on my home in the past and continues to try to foreclose with false documents also and no offer of mediation which Oregon requires. We just want a loan modification without all the fraudulent servicing fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being ignored. This is the second letter I have written to TransUnion disputing items and they have failed to respond within 30 days. I did not provide written permission or instructions for the identified accounts to be reported on my consumer report. The identified transactions are not information related to any transactions by me as the consumer. I have been in constant communication with TransUnion and it's been more than 30 days without them responding to my disputes. According to consumer law, they must remove the disputed items from my consumer report because they have not responded to me within the 30 day time frame allotted by law. The next step is for me to pursue legal remedy if these items are not deleted from my report immediately. ( see attached )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/2018, XXXX XXXX XXXX XXXX XXXX TN XXXX, XXXX XXXX XXXX XXXX XXXX : {$11000.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$2500.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00}, XXXX XXXX XXXX : {$0.00}, XXXX  XXXX XXXX Balance : {$4700.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) .Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Futhermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX XXXX before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Checking or savings account

Primary issue : Unable to access my account and funds through any means since XX/XX/XXXX ( mobile app, online, or by phone with the assistance of a banker ). 

XXXX XXXX Opened person relationship banking online with an opening deposit, received bank account and routing number. Used these details to add deposit from my employer. Successfully set up online banking profile but was unable to see any accounts. 
XX/XX/XXXX - Received email confirmation from bank that opening deposit was complete. Opening deposit amount removed from my other bank. 
XX/XX/XXXX to today XXXX XXXX XXXX - Called BMO customer support, including online sales teams, on multiple occasions with no resolution. Agents gave many explanations : - Tell me they are unable to find an account from my account number or social ( only see an online profile ) and can't help me- Tell me there's an issue with linking up new accounts to online access and I have to wait - Transfer me to other departments that are closed - Investigate opening deposit based off the reference number and escalate to a manager, then promise to follow up but never do ( XXXX XXXX XXXX XXXX  ). 
XXXX XXXX  First employer direct deposit sent to account which wasn't returned indicating the money was received by BMO Bank. 
XXXX  - Received debit card in the mail which can't be activated. When I attempt to activate, it simply redirects me to the same customer support phone line. 

I've since cancelled my direct deposits but are continuing to be sent in a loop when calling for help so have been left with no choice but to escalate to CFPB. Although I'm confident in a long term solution to this given government protections and ACH tracking information, I no longer have confidence in BMO as a reliable bank or one that prioritizes their customers. 

IMPORTANT NOTE FOR CFPB : BMO IS UNABLE TO ASSOCIATE ME WITH MY ACCOUNT NUMBER SO ADDITIONAL INFORMATION LIKE THE OPENING DEPOSIT/APPLICATION REFERENCE NUMBER ( DTRPBCG ), ACH TRANSFER TRACKING NUMBERS AND/OR BANKING STATEMENTS OR PAYSTUBS SUPPORTING SAID DEPOSITS MAY BE REQUIRED TO RESOLVE THIS.