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

I report abuse of trust by a former co-worker in the process of processing the AUTO loan and where they took advantage of my good will and conducted a whole process of strong consultations with different banks and financial companies, through deception, manipulation and tricks. unscrupulous The car process is requested by XXXX XXXX ( XXXX XXXX XXXX XXXX - Please see attached data / Digital backup ). XXXX XXXX asked me to help accompany her to her office ( XXXX XXXX ) on XX/XX/XXXX, because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. - First. They checked her credit and her credentials. ( SSN ) And the salesperson who helped her at that time told her that her credit score is incredibly low and that she needed to present a guarantee and contribute a higher premium to the AUTO. Given that the monthly fee would be approximately USD XXXX to XXXX. 

Having this information, XXXX XXXX suggested to the seller that she try my personal credentials ( SSN  ) to see the numbers and take advantage of my credit history and see if the monthly payment could be lowered. 

So, $ XXXX was a very heavy amount for her finances. She was looking for an average fee of approximately USD XXXX. 

I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best financial decision for her budget. She and the sales associate assured me that only 1 inquiry would be made to the credit bureau and that it would be smooth. And it would not affect my score in the slightest. situation, which is NOT true at all. 

At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and I NEVER request to be the main debtor and/or co-debtor in this credit process. 

Here, the deceived, used and useful fool has been my person. And I was almost scammed, due to this bad practice and abuse of trust from my former co-worker.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my complaint about the erroneous account information that was registered on my credit report. This inaccurate information has breached my privacy rights and my right to confidentiality as laid out in the Fair Credit Reporting Act. According to the act, the list of accounts below has infringed upon my federally safeguarded consumer rights to privacy and confidentiality stipulated in 15 USC 1681. 

XXXX XXXX : XXXX XXXX XXXX & XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies ( CRAs ) must have reasonable procedures in place to ensure that the information they provide to third parties is accurate and up-to-date. Additionally, 15 U.S.C 1681 Section 602 A states that I have the right to privacy, 15 U.S.C 1681 Section 604 A Section 2 states that a CRA can not furnish an account without my written instructions, and 15 U.S.C 1681c. ( a ) ( 5 ) Section states that no CRA may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Finally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any CRA if they know or have reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX reported me being 30 days late for XXXX XXXX on loan # XXXX due to a confusion caused by their failure to send me a service transfer notice within the time expected. 
XXXX and their subsidiary company lake view have been servicing both of my loans for he properties I bought at the same time in XXXX. 
Property addresses and loans : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX : Loan # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Loan # XXXX I have been consistently making payments for these XXXX loans under the XXXX website first and then under XXXX up until XX/XX/year>. XXXX for some odd reason also utilizes XXXX to make payments and to log in to pay these loans. At first, this created confusion to figure out which website to go on to pay the loans but then the system would allow only XXXX to pay the loans. Then, without me receiving any notice XXXX only sold 1 loan # XXXX, to XXXX XXXX Mortgage apparently in XXXX. When I logged in to XXXX the system advised me they have sold the loans to XXXX XXXXXXXX XXXX  and they will longer accept my payments and I had 60 days to make payments accordingly. Then XXXX point only showed the loan they had purchased, but not the other loan which I did not know it had stayed with XXXX. When I realized the confusion, caused by their failure to send me notification and the XXXX websites servicing the loans, I logged back on XXXX to make the XXXX payment. This payment was not XXXX effect until a few days past the 30 days due to the confusion. I requested XXXX to recall the 30 day late report and they said the payment was late and did not care whether or not the servicing notice was received by me or not. 
I am entering this complaint to seek support to ensure XXXXXXXX XXXX  makes amendments to their policy regarding transferring service notices and the two websites they use to make payments for other consumers and recall my 30 day late report to the credit bureaus.
Product: Credit card

BMO closed my credit card account with an {$8000.00} credit limit without notice and refuses to provide a reason. I did not violate any terms, miss payments, or engage in misuse. I also had {$2.00} in unredeemed rewards which they refuse to issue.

I am in the middle of a mortgage approval process. The sudden credit closure is affecting my credit profile and may disqualify me from closing on a home. I have asked BMO for written confirmation that this closure is not due to misconduct and will not be reported negatively, but they refused. 

I am requesting : 1. Written confirmation that this account closure was not related to fraud or customer misconduct 2. A letter confirming that BMO will not report anything negative to credit bureaus, XXXX XXXX XXXX XXXX XXXX. Immediate redemption of the {$2.00} in earned rewards, since I can't cash out or earn more rewards after my account was closed. 
4.This situation is urgent due to the potential collapse of a pending mortgage. I am seeking immediate regulatory assistance. 
I attempted to speak calmly with XXXX ( ID XXXX ), but she was dismissive and demonstrated a lack of basic human empathy. I was simply requesting essential information that could have resolved the matter swiftly and respectfully. However, her unwillingness to show compassion or understanding during an already frustrating situation made it clear that she was not acting in good faith. Her conduct left me with no recourse but to file this formal complaint. I let her know, and I am letting you all know that under the Fair Credit Reporting Act ( 15 U.S.C. 1681s2 ( a ) ), financial institutions are legally obligated to ensure that any information furnished to credit reporting agencies is accurate, complete, and not misleading. Reporting an account as negatively closed without justification, factual basis, or notice to the consumer may constitute a violation of this federal statute.

If BMO chooses to report this closure in a way that implies customer misconduct or delinquency, despite refusing to provide any explanation or evidence of such conduct, it would not only be unethical but is also unlawful. I have a right under the Fair Credit Reporting Act to dispute any such reporting, and I will fully pursue that right should this matter not be resolved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> Unauthorized inquiries Due to Fraud My information may have been impacted by the XXXX, XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX  XXXX - XX/XX/year> 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 card or prepaid card

Ollo Card Services has not updated my account balance since XX/XX/XXXX so the card utilization continues to appear extremely high. The card balance was paid off XX/XX/XXXX, with additional payment made XX/XX/XXXX. I contacted customer service on XX/XX/XXXX and inquired on their reporting, asking if the company reports to all 3 credit bureaus, the representative replied yes. I then asked why my account hasn't been updated and she said they are experiencing a technical glitch in their reporting system. She then placed me on hold so she could speak to a supervisor. When she returned to the phone line, she informed me that they were unable to expedite my request for my account information to be updated and I would have to wait until their system is corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, Medicredit added a derogatory mark on my credit report per XXXX, Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, Medicredit has violated my rights as a consumer and I'm requesting legal action to remove the account immediately.
Product: Credit card or prepaid card

As a employed person who has always made my payments to Macy 's, and have had my credit card a long time, I was shocked and appalled by the latest action that happened as a result of Covid. 

At this time- I'm sure everyone has late payments and has a story. Mine was I was under a stay at home order, so my income did get behind. I reached out to the credit card companies, and while some offered time to pay bill- Macy 's decided to run a credit limit report and cut my credit card limit, based on current report. Once they cut the limit -- which I had about 2000 open on the card to use, then it shrinks my debt ratio on my credit score. Not very fair to people that are going through some troubling times. They should have made a call or sent a lettter prior. NOT sent me a letter of cutting my credit limit. 

I've gone back to work this week, I finally found a way to get in online and delay a couple of payments till I'm caught up. Thank you Macy 's, but your unfair credit score reviewing in a time where this is a serious problem for many, made me realize exactly how little you care about your customers. I've never maxed out the card, and I certainly would not do it now. I did not need a credit decrease based on current payment situation. While other companies over to wave late fees, Macy 's does not. They also do not give you an immediate answer regarding Covid help. Every other company I have a card to- has at least had someone answer a phone, and /or if it was an online process they gave you an answer right away if you would qualify for Covid relief as they call it.

Very unfair practice to go after credit limits that affect the overall persons scores, when they are already suffering from Covid loss, and trying to keep up, but could not- due to the home quarantine.
Product: Debt collection

We ( Myself, husband, and our XXXX adult children ) moved out of XXXX at XXXX XXXX apartment ( owned by XXXX ) on XX/XX/XXXX. XXXX mailed us our " XXXX XXXX XXXX XXXX '' with a balance due of {$300.00} which included a cleaning fee of {$190.00}. I went online and paid in full {$300.00}. 
We then received a new invoice with a balance due of {$420.00} for " XXXX ''. I emailed XXXX on XX/XX/XXXX saying we were in a newly remodeled apartment with vinyl flooring and did not have carpet and asked if it will be removed. I received a reply from XXXXXXXX XXXX XXXX XXXX XXXX XXXX saying they issued us a new invoice for {$420.00} for cleaning and sanitizing the vinyl flooring and she stated it would not be removed. 
Our lease states " If you don't clean adequately, you will be liable for reasonable cleaning charges. '' This additional charge is not validated as " reasonable '' after we paid the {$190.00} cleaning charge on our final bill and left the apartment very clean after living in it for XXXX mos. Our lease form is outdated ( XXXX ) and has no mention of vinyl flooring. 

We were the first tenants in this newly remodeled apartment and lived there for XXXX months, We are all responsible adults and left the apartment very clean with no damage or wear and tear so there was no reason to charge us additional cleaning fees. We disputed these additional fees and on XX/XX/XXXX, we received an email from XXXX XXXXXXXX XXXX XXXX that XXXX sent us to collections. We disputed the charge on our credit reports- XXXX and XXXX, both reported back that it was a verified charge from XXXX. 

I submitted a request for Help through XXXX 's headquarters ' portal about XXXX weeks ago ( can't remember exact date ) and did not receive a response other than a survey dated XX/XX/XXXX ( XXXX days ago ) asking for me to rate their service from the help form I submitted. I rated them very unsatisfactory. 

My husband and I have been homeowners since XXXX and only rented this apartment with our adult kids for the interim while relocating out of state. We had PERFECT credit and this {$420.00} disputed charge has negatively affected our credit report. The credit bureaus are of no help and I can't get a response from XXXX. l feel we are trapped in XXXX way system with a large corporation who doesn't care about our dispute. Our only next step is to take them to small claims court, costing us additional fees.
Product: Debt collection

I had an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts military clothing limit XXXX Take Home today limit approx XXXX Normal Credit Cart XXXX in went into collections in 2013 since then I have had my income tax garnished approx XXXX, my military pay garnished approx XXXX, I recently paid {$1000.00} dollars in XX/XX/XXXX, and will pay XXXX more this month. However the balance is XXXX dollars, my attempts to get them to explain how the number is so large i.e. where are my payments have not been successful. I was told I would have to wait for a letter 45 days to explain the payments I made and the debt I owe. It seems that the balanced should be much less than the current amount.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
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. 

Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX and list of Inquiries 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, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft. 
This debt is not mine and I was given no evidence of this being valid. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 
I look forward to an uneventful resolution of this matter.
Product: Checking or savings account

The merchant - XXXX XXXX charged me {$1000.00} twice. I contacted them and they wont return my calls so I contacted BofA to dispute the extra {$1000.00}. They have yet to provide at least a provisional until the matter is resolved. 

The rep told me it could be 90 days before I would receive those funds back.
Product: Credit reporting or other personal consumer reports

I don't know what happened, but one thing is for sure : this inquiry is not authorized by me and was done by that creditor without my consent! You must remove this as soon as possible.
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no reason and will not help me getting it back up and going i am not sure if this some mostake as i assume it has to be i have not been able to get help from them or months but i just rememberd i coud mr a report on here as o feel they are not doing there job properly and it is effecting me a great deal as i used paypal guide frequently my email linked to my paypal is XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX  account is a closed account and on a monthly payment plan that has been current. This account has never had a 30 day late payment. Called the company on XX/XX/2023 asking why is a 30 day late payment reflecting on all XXXX credit reporting bureaus, XXXX, Equifax and XXXX and request that this be updated and corrected to no late payments and currently on payment arrangement for this closed account. I was told by the company that this matter would be updated and corrected to reflect no late payments.
Product: Debt collection

I have previously summited information letting Experian know these accounts are fraudulent. Nothing has been done. The accounts are still reporting. My Identity ( social security number name and address ) was exposed in the 2017 XXXX Data Breach. I believe this breach is how my identity was obtained to open these accounts. I have several fraudulent accounts reporting on my credit profiles. Accounts listed below : I did not authorize anyone to seek credit in my name, XXXX XXXX account # XXXX {$1000.00} XXXX XXXX account # XXXX {$2000.00} LAST 4 OF SS # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never shopped at a XXXX in Florida I have never been shopping period in Florida.
Product: Debt collection

I visited my doctor at XXXX for my regular checkup and as suggested did lab work at doctor 's office. This lab work is sent to XXXX labs for study. The XXXX related expenses are dealt by insurance and doctor 's office. 
The XXXX labs should have Forwarded the insurance bill to my insurance company and any thing from there should have been dealt by my Insurance and Doctor 's office. Instead they kept sending to me which i thought was already taken care by Insurance. They moved this amount to collections impacting my credit very bady and without my knowledge. When i got to know about this i did call up XXXX on several occasions and each time they misguided me and said Doctor 's office is responsible. This continued long when i brought this to my Doctor 's office they said to deal with XXXX. Only when i narrated this incident to my Doctor then the doctor 's office found out that mistake was from XXXX. 
I want correct reporting back of my Credit score and also would like to register a complaint against XXXX and their practices in billing matters