23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, the current account was paid, and the repossession fee has been satisfied. Upon checking my credit report, ( XXXX ) there is a repossession remark, and no updated payment history. A sum of {$1100.00} had been paid, and recorded on XXXX XXXX, XXXX. My payment was never recorded on their system, which constitutes fraud, and theft. These improper and unfair business practices has caused grave harm to my family both financially, physically, and emotionally. Ive satisfied all my pass due payments on the account. They never reported anything to the credit bureaus to inflict harm on my personal credit. I would like to seek a legal remedy as well as a removal of all negative items as they are a direct violation of my federal rights as a consumer. Please protect me. This company has numerous prior class actions lawsuits reflecting their unfair business practices. I received the highest interest rate, with no opportunity to rescind or cancel the loan.
Product: Mortgage

GMAC is reporting incorrectly XXXX mortgage late payments on XX/XX/XXXX & XX/XX/XXXX. I made those payments on time via XXXX, XXXX XXXX XXXX on line payment system did n't work so the payments delivered but were posted late. XXXX XXXX XXXX, corrected the problem and deliver the funds to GMAC, but they were posted as late payments, even thought it was not my fault at all. They can check my record and I have a perfect record payment thru the day I payoff this mortgage XX/XX/XXXX. I am applying for a Mortgage and this issue is affecting my credit. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS MOREOVER THEY FAILED TO PROVIDE THE INFORMATION ON FILE FOR ALL THE DISPUTED ITEMS PURSUANT TO SECTION 609 OF THE FAIR CREDIT REPORTING ACT
Product: Checking or savings account

Have had extensive discussions with several lawyers. Suggestions, references and conclusions attached, with other relevant files. 

Bottom line per the lawyers : 1. Nobody tells anybody what the meaning of a legal written statement is doing that would turn the US legal system into a talk show.

2. Within the US legal system the meaning of a written legal statement is determined from the statement itself, and only. The wording is everything.

3. A properly written legal statement can have one and only one reasonable interpretation.
Product: Credit card

I was a Bank of the West customer. Bank of the West was acquired by BMO and the transition took place over at the end of XX/XX/XXXX  and beginning of XX/XX/2023. I have numerous accounts with them including business accounts. Nearly as soon as the transition occurred, my business credit card was hacked by someone in XXXX so BMO closed my account. While they said I would have new card in 5-7 business days, it took almost three weeks to get a new card. I needed the card in the course of my business. 
Now that I have the new card, my transactions frequently get denied and I have to call BMO. 
In addition to this, I can no longer directly pay my credit card from my BMO accounts. They created some website called XXXX XXXX  for business credit cards. We are required to use this website to pay our business card but it never works. I have had to changed my log in, password and security questions many different times and it still doesn't work. 
I have to call BMO to have them transfer funds from my other accounts to pay the business card! THEN, they put a week long hold on the transaction. These are funds coming from accounts I have with them. They KNOW the money is in the account yet they put a hold on the payment. I think they are doing this intentionally so they can charge interest on the card. 
This morning, I had another purchase that was declined so I called BMO. While the rep was talking to me, she said she heard a voice in the background and wanted to know who else was a co-signer on the account. I do not have a co-signer on my business credit card. I told her the voice was my boyfriend and the news on the television. She insisted that I provide her with my boyfriend 's phone number or she could not continue the call. I explained to her that he is not on any of my accounts and had nothing to do with my business card or anything else. I asked to speak to her supervisor. I was on hold for several minutes and the rep said the supervisor was busy. She came back on trying to encourage me to call during business hours. I said I would hold. She asked again for my boyfriend 's phone number and I refused to give it to her. I said I would hold for a supervisor. She eventually terminated the call. 
The problem began in XXXX of XXXX  and today 's date is XX/XX/XXXX  for the most recent problem. BMO should have records of all of my phone calls and problems associated with this credit card.
Product: Credit card

In 2008 I received a bill from Capital One, account was opened in XXXX 2008, we contacted them and told them we had no account, did not apply, had not gotten a card, wanted no account, owed them nothing ( no transaction had been made ) and wanted it closed immediately, they said ok, it was closed. unknown by us, there was another account supposedly opened XXXX, ( a month before the other one, is n't that kind of odd? ) we never got a bill, never got a card, never applied for an account, just as we told them about the other one but this is now 7 yrs later and last month we got a bill or {$100.00}, I called and told them I did not have an account, did not want an account, did not make any transactions, do n't have and have NOT HAD a card yet we owed money? This month we got a bill again for {$100.00}, I called again, they will not close the account unless we provide them with all the information needed to open an account, NO WE WILL NOT GIVE THEM SS #, BIRTHDAY, FULL ADDRESS, so they can build an account? They hung up refusing to pull up the account with the account number, last digits and year of birth, so we have never had a card, never bought a thing, and they had negative information on the credit and a bill of {$100.00} that is growing by late fees and interest AND WE ARE NOT THEIR CUSTOMER. WE BOUGHT NOTHING. WE HAD NO IDEA FOR THE LAST 7 YEARS THAT THE ACCOUNT WAS OPEN. I want the negative information removed, not shown as paid but shown as charged without permission, and the account closed. NOW. I am thinking of buying a car and I want this removed, without having to provide them with any of my personal information because I never provided it to them in the first place. The CAP ONE XXXX attachment is the " other '' account that apparently was opened a month after the account in protest, the reporting in erroneous as well, we never had a card or made any transactions as soon as we found out about it, we closed it, we never knew about this one until last month. Why would they open more than one account within a month of each other? We never applied to open an account at all. 
thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of unauthorized hard inquiries on my credit report, as indicated in the report recently provided by your agency. 


TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

So I was in a car accident in XXXX and went to the ER. I never received a bill from the hospital and assumed my insurance had covered it. I even called the hospital after not hearing anything and they could not find I owed anything. Come XX/XX/XXXX and I start getting letters in the mail from lawyers trying to get me to hire them for my lawsuit. Um what??? I had to look at my states court system just to find out I was being sued. I XXXX the company and called right away. They say I owe XXXX and I panic and pay. 1. They tell me it's still a judgement. They then inform me that I owe another XXXX! and they will sue me for that as well. I have no idea what that XXXX was even for. I never received anything. They then told me to pay like XXXX biweekly which is impossible. When I said that they attempted to make me promise to pay with a tax return I did not even get. I felt very pressured and uncomfortable. Now the harassing phone calls and emails begin. I DO not thing I should have to pay this. I didn't even know! and they used really harmful tactics.
Product: Credit card or prepaid card

This is a complaint about Fidelity Credit Card services ' dispute department, and in particular, about interactions with them on XX/XX/2020. I spoke with some people, XXXX and XXXX, who were extremely helpful, and I would like to commend them and encourage Fidelity to put them in charge of this whole area. The problem lies in their Case Processing department, which I am concerned is engaging in deceitful practices. They claim to have contacted me to request additional information, and to have closed disputes when I failed to provide it. But what they actually did was to call me from a number with no caller ID, ( XXXX ) XXXX, and hang up on me when I answered the phone without speaking, and on the basis of this mark their logs as having made an attempt to reach me. The only way I figured out that these calls were coming from Fidelity Case Processing was by spotting the same exchange number in another Fidelity employee 's direct-dial number. My understanding from my conversation with XXXX and XXXX is that the hang-up caller is named XXXX and is a manager in case processing. This behavior is at a minimum unprofessional. I would also like to mention that this number is set up to provide either false or incomplete information when calls are placed to it : it says " the number you have called is the caller ID number for US Bank and XXXX XXXX XXXX ''. This may suggest that Fidelity Disputes Case Processing has adopted a deceptive strategy to contact consumers in a way that allows them to claim to have contacted consumers to seek additional information while concealing the fact that they need information, and then using this to justify closing disputes rather than helping consumers. Obviously I can not say for sure that this is strategic deceptive behavior, but it seems to me that this is the kind of thing a careful regulator with consumers ' interests at heart should be concerned about.
Product: Credit reporting or other personal consumer reports

Re : Intent to File Suit Due to Violations of the FCRA, I have previously mailed letters to you, requesting that you delete inaccurate information from my credit file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters have stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of the accounts in question, and delete all unverified accounts, I will file a civil suit in Illinois for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. 

XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX XXXX FIN Account No. XXXX Delete this unverified Account Immediately. 

XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX XXXX Account XXXX. XXXX Delete this unverified Account Immediately. 

XXXX XXXX  Account XXXX. XXXX Delete this unverified Account Immediately. 


Delete these unverified accounts immediately.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX, this account was open on XX/XX/XXXX, this account is older that 7 years old and needs to remove from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Helo, I recently noticed some fraudulent accounts on my report. I submitted a complaint with the Federal trade commission to address these accounts. I have attached the document. Please remove these accounts that were opened fraudulently.
Product: Debt collection

I need help with understanding the legal/ethical practice of Commerce Bank repossessing my camper after I had filed for bankruptcy. I have not obtained a clear or accurate definition of how/what occurred. I had not had any contact with Commerce since XXXX, 2016. After receiving their letter informing me of the auction date, I called to inquire and have been given three pieces of information that seem wrong/unethical. 1. We did n't have a number for you. False 2. They could n't contact me due to my bankruptcy. 3. Reported that their documentation stated that I had personally asked to have the camper picked up. False. 
Please contact with any needed info/questions.
Product: Credit card

My Current Credit Card was lost from my wallet and a charge for XXXX XXXXXXXX showed up on my account. This is a secured credit card that is directly linked to your bank account and everytime it is used, money is pulled from the checking account to cover the cost of any charges. 

When I saw this charge, I disputed it on XX/XX/2023 and it was denied on XX/XX/2023. They said they closed because they found no error. This is unacceptable. 

They did the same thing to me earlier this year when there was {$120.00} XXXX charge. I don't have XXXX and even showed proof that I don't but denied my dispute. 

The bank is called Current
Product: Credit card or prepaid card

Citibank rewards credit card closed my card account without notice and Denied me access and use to almost XXXX city rewards points with the value of over {$10000.00} Try to contact customer service number of times to no avail My credit cards were in good standing and all paid in full without any revolving debt. Citibank elected to close my accounts but Has ostensibly taken away points of significant value
Product: Credit reporting, credit repair services, or other personal consumer reports

Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have TRIED several times but XXXX XXXX  and Transunion are still deciding to report illegal information on my credit file that could be a result from my identity being compromised from XXXX data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights.
Product: Debt collection

Subject : Cease and Desist Illegal Activity and Demand for Documentary Evidence Dear XXXX XXXX, I am writing to bring to your attention a matter of utmost concern regarding the unauthorized use of my identifying information by Caine & Weiner for the purpose of committing mail fraud and contacting me about an alleged debt. I, XXXX XXXX, hereby state that I have never given Caine & Weiner any permission to utilize my personal information in any manner, let alone engage in fraudulent activities. 

It has come to my attention that the assignment of a defaulted note, as per Article 9, is illegal. Consequently, both the assignee and the assigned party are liable for violations under 15 U.S. Code 1692e ( 12 ). I want to emphasize that I have not validated any alleged debt with Caine & Weiner, and any failure on my part to dispute the validity of these claims should not be construed as an admission of liability. 

As of XX/XX/2023, I have not received any documentary evidence, such as a trilateral contract, which grants Caine & Weiner any right to collect on the aforementioned alleged debt. Moreover, I have not received any documentation requesting validation from your organization prior to the commission of multiple violations under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These violations include, but are not limited to, 15 U.S. Code 1692d ( 4 ), as defined by the Federal Trade Commission ( FTC ) as debt parking.

Unless Caine & Weiner can provide me with evidence, such as a tracking number, demonstrating that a legitimate attempt was made to validate this alleged debt with me, the consumer, prior to its inclusion on my consumer report, I must conclude that this account has been fraudulently furnished with forethought and malice, with the intention of causing harm to my financial reputation. In accordance with 15 U.S. Code 1692c ( c ), I hereby declare my legal refusal to pay this debt.

Therefore, I demand an immediate cease and desist of all illegal activity, including any communication and collection efforts related to this alleged debt, until such time that Caine & Weiner can provide sufficient documentary evidence establishing my legal obligation to pay. Failure to comply with this demand will leave me with no choice but to pursue litigation for the actual damages caused. Furthermore, Caine & Weiner may be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, as well as charges of extortion, theft by deception, securities fraud, and mail fraud.

Please consider this letter as my official notification to you, XXXX XXXX XXXX, on behalf of Caine & Weiner, pursuant to UCC 1-202f. I kindly request your prompt attention and a written response addressing the concerns raised in this correspondence. 

I expect a timely resolution to this matter and trust that Caine & Weiner will adhere to the laws and regulations governing debt collection practices. Please provide all correspondence and documentary evidence in response to this complaint : Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX [ Account XXXX : XXXX ]
Product: Debt collection

Since about XX/XX/2017, receiving Toll Free Number XXXXor XXXX telephone calls up to 3-4  times per day on my direct line for work, days and weekends.Calls begin as early as XXXX and as late as XXXX. Recording is heard when phone is picked up so unable to request that they stop calling me.
Product: Mortgage

On XX/XX/XXXX i lost my job by the company i work for doen sized. I had my morgage with springleaf and they sold my morgage to nation star. i got behind in my payments so they sugested a loan modification so i agreed. on XX/XX/XXXX it was done had to make qualifing payment of {$1200.00} for starters then XX/XX/XXXX making payments {$100.00} principal & interest and {$89.00} escrow. i made my payments of {$200.00} from then till XX/XX/XXXX i had got serveral letters from them saying i was makeing parciel payments i called XXXX said it was a misstake then wad looking at old loan. i received a call from XXXX telling me he was sending me a paper to sign where they had a made a mistake on my loan. I receives the paper sighned it and sent it back. to make a logn storie short now my payments is XXXX plus. they sent me back and check for {$92.00} AND A CHECK FOR {$400.00} ONE TIME. I DONT UNDERSTAND ANY OF THIS AND NEED ALL THE HELP I CAN RECEIVE. THANKS XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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.