23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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. 

Account name : " XXXX  " Account # : XXXX, Account name : " XXXX XXXX XXXX XXXX  '' Account # : XXXX Account name : " XXXX XXXX XXXX '' Account # : XXXX Account name : " XXXX '' Account # : XXXX Account name : " XXXX XXXX XXXX XXXX '' Account # '' 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

ATIVE I was working out at XXXX  XXXX XX/XX/year> my purse and phone was stolen from the locker containing my identification, credit cards, social security card of myself and both of my sons, my car keys, and {$48.00} in cash. At the time I made a police report with XXXX XXXX report XXXX XXXX. Since then I have received notification of change of address that I did not make and the following accounts are fraudulently opened accounts. XXXX {$4700.00} act # XXXX, XXXX {$3200.00} act # XXXX, XXXX {$4200.00} act # XXXX, XXXX  XXXX {$3700.00} act # XXXX, XXXX  XXXX {$1000.00} act # XXXX, XXXX $ XXXX, XXXX XXXX XXXX XXXX {$1400.00} act # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$96.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX {$690.00} XXXX # XXXX, XXXX XXXX & XXXX MODERN HEALTH FINANCE {$3100.00} act # XXXX. Banks opened fraud are XXXX XXXX, XXXX XXXX Bank, XXXX XXXX XXXX XXXX.
Product: Checking or savings account

Bank of America checking account was opened twice in my name without my permission. My email and address was used both times. I received emails that my application was accepted and called Fraud dept both times. 
I have contacted all 3 credit bureaus and put a freeze on my social.Problem is BOA does not check credit when opening a checking account, so this may happen again.Unacceptable. 
Dates of opened accounts XXXX and XXXX.
Product: Bank account or service

Hi, I have banked with BOA for eight years and living on XXXX XXXX dollars a month has been unbearable. To the contrary, I have no support and no credit with BOA. I deposited XXXX dollars into BOA and using Debit I 've received no rewards or approved by credit. My savings account was closed and other members on this account had access to every available funds of my personal money regardless of my primary ownership. 
As an end result, discrepancies were added to my account causing me several overdraft fees. Please let me know when I can access credit or resolve debit usage!
Product: Mortgage

From the Office of 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, My name is XXXX XXXX I am the Owner of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX that was, is and will always be my property. I do not have any mortgage or any financial obligation on this property and my name is on the Deed and not in any Mortgage Note. I am 100000 % sure I will win back my property and file criminal charges against your abusive and deceiving Law Firm. You organized the fraud inside my6 property and help criminal stole my private property and once I win my legal case if you do not pay the {$260000.00} you will face the consequences. Attached you will get the official complains against your Law Firm as well as the lawyer involved and there are 87 official complains against your criminal activity inside my property for which I do not have any mortgage. I am a XXXX with 29 years XXXX experience and I was involved in the procedure of each mortgage documents so there is no need to enter in any polemics. With your limited banking knowledge. Since I am not an expert like your Law Firm in defrauding families I file official complaints with Dept. of Justice, PA Attorney General, PA Governor as well as the ethic committee and many other Departments. I will never stop until your criminal activity will be expose. FBI will be involved too as well as the TV and all internal and International press as well as INTERNET.. 
XXXX XXXX is my wife and she was a victim of fraud landing so this mortgage is a fraud, the foreclosure is a fraud since was done in a top secret close door and I am sure that the Superior Court will reverse the fraudulent Sheriff Sale soon. 
XXXX XXXX XXXX : XXXX XXXX XXXX XXXX was informed weekly and once I get back my property I will file criminal charges against XXXX XXXX, HIS FAMILY and all the people involved. XXXX XXXX got involved in a fraud mortgage originated by XXXX a bank that once we made this public this company went bankrupt. I rejected this mortgage and even today the money is in an account Now XXXX XXXX is directly involved in defrauded my property and they will pay soon {$260000.00} for stolen private property damage, vandalism, theft organized from XXXX until XX/XX/2016 theft done without having any legal rights or permission to enter inside my property. 
I have Police report number ant the XXXX XXXX report number. I informed the Local Sheriff and the President Judge of the Court of XXXX XXXX. I am very confident that the Superior Court will award back my property and I close your Law Firm. 
Sincerely yours XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ACCOUNT NUMBER : XXXX Its been over 5 months and equifax and XXXX hasnt update my current balance and Im missing on time payments for this account for the last 5 months.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2023, I fell victim to a multilayered scam operation orchestrated by XXXX and XXXX XXXX ( fake XXXX ) ( the Fraudsters or Company ) operating under the domains XXXX XXXX, which involved me making deposits for a total amount of USD XXXX from my SECU account to fraudulent investment firm ( s ).
Product: Mortgage

For over six months I have had my account set up for auto pay and I am actually ahead on payments. On XX/XX/26 I attempted to update my banking information ( new bank which I had previously had set up with LoanCare ) and received a error message when entering the routing number. I called customer service and was told they can't/wo n't set up auto pay due to a bankruptcy XXXX years ago. I told the rep for more then six months I have had auto pay set up. Rep tells me she doesn't see this and I must have used bill pay. I again assure her I had previously set up successfully auto pay on their company 's web site. After getting nowhere I reached out to a XXXX XXXX in Loancare 's Office of the President for help ( XXXX who had reluctantly helped with previously issues. Each time I call I get voice mail and leave a message which is never returned. It is as if Loancare wants the customer to miss a payment by now forcing the customer to either call every month or mail in a payment. And to be lied to and told I never had auto pay set up with Loancare even though for more then six months I did is a shock. Company is extremely difficult to work with.
Product: Checking or savings account

After having a substantial relationship wit h PNC B ank, I got a notice they have decided to close my account and gave me no reason whatsoever. I  had one issue with  a wire transfer which was refused and caused an issue on my account, while I was traveling for a family emergency. The signer on my account had his account effected and him being on my account effected my relationship Upon fixing the issue, I was told my accounts were to be closed including all of my lines of credit, business accounts and personal accounts.     I am an ideal client and maintain substantial balances in the accounts and own and operate recognizable businesses.     There was no reason whatsoever my accounts were closed. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a letter to all 3 credit bureaus about removing unauthorized inquiries from my credit profiles. I only received a " verified '' response. I sent a follow up asking who did they verify with. No response. On XX/XX/XXXX I again submitted to have these unauthorized inquiries removed from my credit reports and and yet again they come back as verified. They have done no due diligence in verifying these. I have contacted the companies themselves and they do not have anything with my signature or ID attached.
Product: Credit reporting

I paid to receive my credit report and score from the XXXX bureaus from the Transunion website. They charged me {$1.00} for setting up an account in order to view this information. I saw no warning or disclaimer saying I would have to cancel a subscription in 7 days or be charged a subscription fee of {$17.00}. After a week I was automatically charged {$17.00} for a subscription that I was unaware of. It 's abusive and deceptive practice to automatically charge someone 's credit card in this manner. There should have been a more clear option to sign up and pay for the subscription separately. Per the customer service representative, the disclosure was given when I gave them my credit card number initially, but this was not very clear.
Product: Checking or savings account

I wasnt able to get a job and chase decided to close my bank account even though I told them my situation
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER 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 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 Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX Balance : {$7100.00} ; XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$8700.00} ; XXXX XXXX XXXX XXXX XXXXXXXXBalance : {$1100.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$470.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1600.00} ; XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXBalance : {$540.00} ; XXXXXXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXXBalance : {$1000.00} ; XXXXXXXX XXXX  ( Original Creditor XXXX XXXX XXXX ) XXXXBalance : {$2000.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$540.00} ; XXXX XXXXXXXX.
Product: Payday loan, title loan, or personal loan

Loan was started on XX/XX/2019. For the amount of {$820.00} and I have been paying back {$540.00} every month since. My Bank cant stop payment and my account has to be in the black in order to close my account. The payment amount is scheduled to come out on the XX/XX/XXXXof each month but but thy have been requesting it to be deducted 2 or more days ahead. But the time all things are done im in the red and insufficient fees of {$35.00} are placed on other deductions. So by the end of the firs week of new month i am in the red By $ XXXX.
Product: Debt collection

Dear Sir/Madam, I am writing to you to express my formal complaint regarding the high interest rates that I am being charged on my installment loans with Klarna. As a consumer, I believe that I am entitled to fair and transparent lending practices that are in line with the relevant consumer laws and codes of banking. 

Firstly, I would like to highlight the fact that I am currently not working due to medical issues, which has led to financial difficulties. Despite this, I have been diligently making repayments on my loans, but the high interest rates have made it extremely challenging for me to manage my finances effectively. 

I am aware that there are specific regulations in place to protect consumers from credit card debt and other forms of predatory lending practices. I believe that Klarna should be adhering to these regulations and providing me with a fair and reasonable repayment plan that takes into account my current financial situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting a collection account on my report from XXXX XXXX that is fraudulent. I disputed and requested verification for the account over a month ago and received no response or validation that the account belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX XXXX later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report. It has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit card

I live in XXXX Texas and my home was hit Directly by the XXXX XXXX on XXXX XXXX this year. We lost our entire fence, part of roof, Central A/C destroyed. I made a purchase on my XXXX XXXX  card and it was approved to purchase a window unit so we can survive the heat. The next day my order was cancelled and I called to see what was going on. They were very nice and said they would get it sent to me. It was never sent to me and I started to complain. They got mad at me and lowered my credit the exact amount of that A/C Unit so that I would not purchase it. Synchrony is in charge of all of these cards and I had 4 other synchrony cards, Walgreens, Lowes, XXXX XXXX, Harbor Freight, XXXX. The next day I check my other cards and they had closed all of my accounts and lowered all credit limits without giving me any notification. The knew I was going through a natural disasters and that we are protected under XXXX and t hey did not care. I tried to get the media involved. This is direct targeting from Synchrony. I have never made a late payment even once... They saw I needed to use a lot of credit due to the storm and they removed it even thought they were " acting like they were helping me the entire time '' My credit score has gone down XXXX points due to this. I need to know what steps can be taken because I never received any notification about credit limits going down. THEY WERE DIRECTLY TARGETING ME. PLEASE HELP! Now we are destitute do to this.
Product: Checking or savings account

Bank of America checking account. I mailed a check number XXXX to pay my estimated income tax. It was cashed on XX/XX/XXXX, and my bank statement reported it as " XXXX XXXX XXXX XXXX XXXX PAYMENT CHECK # XXXXXXXX XXXX : XXXX XXXX  ... '' in the amount of {$1200.00}. It was debited to my checking account. 

On XX/XX/XXXX, I received a letter from the IRS saying that I owed them {$1000.00}. ( I was expecting a refund of {$150.00}, and XXXX XXXX XXXX XXXXXXXX {$1000.00}. ) It showed three estimated tax payments but not the one on XX/XX/XXXX. First I contacted the IRS to see if they had mistaken that check for another tax year or another tax return. After researching, they said no, they never received that check. 

On XX/XX/XXXX I called the Bank of America. They asked if I had a check image. No, when I clicked on my old bank statement a message said, " No image is available for this check because it was processed by the merchant as an electronic transaction. '' They connected me to the fraud department at XXXX, where they told me that they would verify with the Treasury Department and in any case I would be credited the {$1200.00} within 10 business days. They gave me a dispute number XXXX. 

On XX/XX/XXXX I called to ask the status of my complaint, and I was told that they were researching with the IRS, escalating to the back office, and to expect a resolution by XX/XX/XXXX. 

On XX/XX/XXXX I received a call from the XXXX dispute office. I was told that the fraud department was not the right department to pursue this claim, and that they were closing the fraud claim and opening a new XXXX dispute claim. I could still use the same dispute number. A representative named XXXX said she would take full responsibility for this case. I never heard from XXXX again. 

On XX/XX/XXXX I called for an update. I was told that the dispute was now a " non-Reg E '' dispute, which they declined to explain to me, and that the clock for resolution had restarted on XX/XX/XXXX and was due in 45 days. Distrubingly, they also said that they would not reimburse me until the Treasury Department completed their investigation. I asked, what if the Treasury Department never completes their investigation? They declined to answer. I pointed out that, since they did not furnish me with a check image, they were responsible for reimbursement. 

Skipping over other calls, on XX/XX/XXXX at XXXX XXXX  I called the XXXX dispute office at XXXX, where an automated message said that an alert would be sent to my phone, linking to a status report on my dispute. Forty-five minutes later, it has not arrived. 
Incidentally, I am a so-called " XXXX XXXX  XXXX XXXX ''.
Product: Credit card

I have perfect credit payment history. We were robbed by a contractor and forced to use credit cards to get home repaired. We used equity earned to pay back credit cards. BMO Harris stole the money I paid and dropped credit limit to amount I paid. On top of being extremely stupid by scamming a couple making over $ XXXX a year with a high value home that will be refinanced, they stole money from a loyal 20 year client who has never missed a payment ever.
Product: Checking or savings account

On XX/XX/XXXX, I was contacted by someone pretending to be a Truist Bank XXXXraud Protection Employee. They asked for the last 5 digits of my SSN and accessed my online banking records. The individual said there was fraudalent activity on my account and I needed to go through a " provisional credit '' process. During this process from XX/XX/XXXX - XXXX I was instructed to send money via XXXX, XXXX XXXX, and XXXX to restore the funds from my old account to a new checking account. After several days I realized this was not a legitimate process from Truist Bank. XXXX refunded {$2300.00} that was unauthorized. 

On XXXX I went to my local Truist branch and filed a report with the phone numbers the individual called me from. At that time, I was informed that the remaining XXXX XXXX transactions and the {$1000.00} sent via XXXX would be replenished within 10 business days after it was posted to my account. However, this never occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. I have also attached the letter I sent out. 

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. 

They state my account was verified but how is that possible if they did not do a proper investigated according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts : - XXXX XXXX account # XXXX - XXXX XXXX account # XXXX - XXXX account # XXXX - XXXX  account # XXXX - XXXX account # XXXX
Product: Checking or savings account

I tried to open BMO Elite Business Checking Account for my business following an online promotion : XXXX : XXXX? XXXX & XXXX & XXXX & XXXX All the information was provided and all the documents about Business ( State of Texas certificate of formation and IRS EIN number allotment certificate ) had been uploaded. Next day I got this email : Hi XXXX, Youve started an application for a BMO Elite Business Checking Account for XXXX XXXX XXXX XXXX. 
To consider your application complete, the following items need to be uploaded for review. Please show us your most recent : - Business Registration Documents I called the following phone numbers : XXXX. 

Transferred around 4 times and then call getting disconnected after 1.5 hours. 

Then i called XXXX where I am being told that they can't get handle of my application even when I provide the reference # XXXX. I also sent an email to XXXX. I just wanted to know : What is missing or wrong? 

But more than 2 hours on the phone, nobody could provide that information. Called XXXX XXXX Central time and done around XXXX XXXX. 

There is no local branch where I can go. 
Phone banking wants to start this process all over again- which is significant waste of time to spell everything and I won't be getting the promotion. 

Sent messages to XXXX handle - same frustrating experience. 
It seems BMO harris has hired some really XXXX  people and left hand doesn't know what right hand is doing? 
Business customers like me want to open the account but very vague messages are being sent with no human touch which is very confusing and not at all helpful.