23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Bmo Harris bank, Deceptive and incorrect marketing causing excessive nfs fees and over draft fees taking advantage of low income clients. 

According to XXXX any deposits made before XXXX XXXX central time will be processed same day. I sent money through XXXX only to be told it would be processed the next day. When I called they said it had to be sent before XXXX XXXX  central time. When I found out they wouldnt credit it that day I went to the atm and deposited more money before the stated XXXX XXXX cut off only to have it also credited the next day. When I called the company they said XXXX was wrong and there was nothing they could do and I would be charged 2 nfs fees 36x 2 plus the fees from my condo company. They took no responsibility and said there was no way they could stop my payment from being reflected. This has caused me indue XXXX hours of running around only to be charged exorbitant fees. They took no responsibility for the web being wrong and said it was in my account documentation.
Product: Credit reporting or other personal consumer reports

Requested my mortgage be put back on my credit report via email on XXXX, XXXX, XXXX and received a response from XXXX in Customer Relations that my account information was forwarded for review. No further action taken. 

Called XXXX got voice mail and left a message with ticket # XXXX. 
Called them XXXX and was told they had the ticket and someone was working it. No date of when it would be added back on credit report. 
Called them XXXX and requested the ticket and it was placed. Ticket # XXXX. Called them XXXX and asked them to add to credit reports. Just given excuses. 

If the payment was late, they would report it. 
They took my XXXX XXXX and I have my XXXX Mortgage XXXX. 
Please get them to put it on my credit report because not having it there is detrimental to my XXXX XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 29 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX SSN : XXXX Date of Birth : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX PA XXXX RE : XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my TransUnion credit report, is the result of that XXXX. 
Accounts : Account numbers : Date Opened : US BANKRUPTCY CT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have attached a copy of my SSN card, Valid ID, and a copy of signed self attestation form to prove I am human who have been a victim of XXXX, so I do not need TransUnion to say or write me and say they could not ve

rify me or my account. Please block this information from my TransUnion credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of XXXX XXXX or XXXX XXXX if the consumer has provided documentation of trafficking to the agency. I have attached documentation of my self attestation to you TRANSUNION Survivors do not need to provide additional evidence to prove their connection to trafficking, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX. However, they stated everything was complete and accurate. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 


Also they aren't even in compliance with metro 2 credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried to reach out to Equifax and they have refused to help clear up the problem. This XXXX credit point drop caused me not to able to apply for an apartment and a job. Im currently unemployed and homeless due to Covid19. Equifax is playing games with my life and they have utilized this crisis to cause problems for our consumers. Equifax has updated the account from XXXX and it caused for the credit rating to drop from good to bad credit. Ive called their customer service and some of the agents are not able to communicate properly. They appear not to be stationed in the USA and the language barrier prevents me from communicating properly and giving them the information, Im not sure if they understand the scope of the problem they caused for me.
Product: Mortgage

I attempted to set up a payment to bring my loan current XX/XX/year> but the agent hung up on me without any explanation. To bring your loan current, a payment of late fees aren't required per federal laws to avoid foreclosure. I also never received any demand letter or notice of foreclosure. I'd like to pay the full amount required to bring my loan current, minus any non required fees.
Product: Debt collection

This is not my account. This account was never mine. This account is not my responsibility. This is both incorrect and offensive to me! Someone else owns this account.
Product: Debt collection

I received a collection letter from Collection Professional , Inc sent on XX/XX/XXXX20 stating they are collecting for IL XXXX XXXX XXXX for {$1100.00}. I responded via mail onXX/XX/XXXX20 with a letter advising them of my dispute, as this bill is a result of a military on-duty injury. This injury was reported and paid as worker 's compensation. I mailed proof of that ( military documents ) along with my letter and contact information for my drill unit. On XX/XX/2020 I received another letter from Collection Professional , Inc attempting to collect on the same date with no regard to my letter sent to them. This time they included a copy of the bill from XXXX  XXXX XXXX XXXX. I replied via mail again on XX/XX/20 basically stating the same thing as I originally stated in my XX/XX/20 letter and requested that they stop collection practices and warned that I would report to XXXX  and Consumer Financial Protection Bureau if they continue collection. Today I am in receipt of yet another letter attempting to collect a debt, however, this one now shows interest added to the account ( {$1100.00} ). I wish for this company to cease collection practices and properly investigate this debt. In my third and final letter to them onXX/XX/20, I'm including contact information for my drill unit so that they can verify that this is a worker 's comp case and I'm not responsible for this debt. It appears that they are ignoring my request and continue to send the same attempt to collect letters. As military personnel, my credit report/rating is extremely important to me and an inaccurate date can jeopardize my employment and future career and financial related goals. I'm requesting that you contact them immediately ask them to cease collection attempts and remove this derogatory item from my credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, My name is XXXX XXXX, and I am writing this letter personallynot through any third party. I am fully aware of my consumer rights, and what has occurred regarding my account is both unlawful and unacceptable. I have attached a valid identity theft report from https : //www.identitytheft.gov/. When I called to check the status of my dispute, I was informed that it was rejected because the identity theft report was deemed not real. This is absolutely false and against the law. 

I am addressing a serious violation of 15 U.S. Code 1681b, which outlines permissible purposes for accessing and using consumer reports. Specifically, under subsection ( a ) ( 2 ), no entity is allowed to obtain or report information from my consumer report without my explicit written consent. Furthermore, the account listed below is inaccurate and misleading. I have enclosed a copy of my credit report showing the disputed information. The account is being reported as a charge-off, but I have evidence ( screenshot attached ) that proves this information is incorrect. I am demanding that XXXX XXXX provide proof of my original signature and evidence showing how the account was opened. 

I was unavailable for personal reasons at the time the account was opened, and my personal information was used without my consent to create fraudulent accounts in my name. I demand that these accounts be blocked and removed immediately to prevent any further unauthorized use of my identity. This also falls under Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

I have not given XXXX XXXX any consent to open or use these accounts, and therefore, they must be removed from my credit report immediately. If this is not done, I will pursue legal action in small claims court for monetary damages. Additionally, I have already filed complaints with the Consumer Financial Protection Bureau, the Attorney Generals Office, the XXXX XXXX XXXX and the Federal Trade Commission. 


Under penalty of perjury, I state that this account is false and misleading : XXXX  XXXX Account Number : XXXX Please remove it from my credit report immediately. 


I am aware that many consumers, including myself, have been receiving generic form responses to disputes without proper investigation. This is illegal, as each dispute must be reviewed and addressed individually. 

Let me be clear : I am the author of all correspondence sent in my name, and every dispute has been submitted with my full knowledge and consent. There is no legal basis for delaying my dispute processing, and I do not require a power of attorney to exercise my rights. 

If you fail to address my concerns promptly and remove this inaccurate account, I will consider it a willful violation of my rights and proceed with legal action. XXXX XXXX and Experian will be held accountable for damages up to {$1000.00} for each proven violationand there are plenty. 

This is a formal demand. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I was contacted by XXXX XXXX at XXXX XXXX regarding an open collections account with XXXX XXXX XXXX. The representative gave me a settlement amount on which I was lead to believe by her I would have this account deleted off of my credit reports. I asked repeatedly if this account would " fall off '' and just kept saying hmm hmm. I went ahead and paid the settlement amount for about half of the account amount. After a few months, I realized the account was still reporting to the bureaus and I called the collector to speak to a supervisor. 

XX/XX/2020 XXXX XXXX XXXX XXXX Spoke w/ supervisor Spoke with Mr. XXXX, who identified himself as supervisor for XXXX XXXX. I explained to XXXX that during my conversation with a XXXX XXXX   Representative XXXX XXXX in XX/XX/2020, I worked out a settlement agreement in which I was lead to believe this settlement would result in a deletion of this account on my credit report. Mr. XXXX advised he would listen to the said phone call and would contact me back at my personal cell phone number within the hour. 

XX/XX/2020 XXXX Called XXXX XXXX due to not hearing from Mr. XXXX yesterday. Spoke with representative who stated she will ask supervisor to call me as soon as possible. 

XX/XX/2020 XXXX Mr. XXXX called me back and stated he listened to the phone call from XX/XX/2020 using my phone number and that Ms. XXXX never used deleted and I explained she never clarified and explained after I asked repeatedly if the accounts would fall off my reports and then he stated that they have absolutely no reason to explain anything to me and they do not have to explain anything to me they just need to collect. I advised him I would report this to the bureaus and CFPB and he said to go right ahead. 


I have disputed this account with all 3 major credit bureaus and XXXX XXXX then updated the account to Charge Off. They refuse to remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX credit card but was refused because of " too many inquiries '' on XXXX. XXXX shows inquiries from : XXXX XXXX XXXXXXXX, XXXX XXXX TD XXXX XXXXXXXX and XXXX XXXX XXXX XXXX 
XXXX XXXX XXXXXXXX : I have a current credit card always paid on time. 
XXXX XXXX who is this?? 
TD XXXX XXXXXXXX : a XXXX bank associated with XXXX. 
XXXX 's XXXX XXXX. : associated with XXXXXXXX XXXX  where I have a loan which is always current and paid on time. 

I made a purchase at XXXX this month. I DID NOT AUTHORIZE A HARD INQUIRY. 
CAN THEY RUIN MY CREDIT JUST BECAUSE I MADE A PURCHASE THERE??? 

I DID NOT AUTHORIZE ANY INQUIRIES FROM ANY OF THESE PLACES. IF I HAVE AN ACCOUNT IN GOOD STANDING, CAN A BANK MAKE THESE INQUIRIES WHICH EVIDENTLY IS RUINING MY CREDIT. MY SCORE IS HIGH 700 's.
Product: Debt collection

I was contacted with a debt collection agency called HRR & G their number XXXX at XXXX on XXXX XXXX 2015. They left an electronic voice message asking me to call them asap for a debt collection issue. I did after two minutes receiving the message. They told me that XXXX XXXX XXXX of XXXX has sent my account to collection on XXXX XXXX 2015. After seeing me at the emergency room at XXXX hospital in XXXX Arizona on XXXX XXXX 2015. This was the first time I received any communication XXXX XXXX XXXX XXXX either by phone or by mail. I told them that I never received any invoices from him, however, I did receive XXXX other invoices from the company that read the XXXX and the XXXX and the hospital I received their invoice on XXXX XXXX 2015 and I paid it XXXX XXXX XXXX 2015 at XXXX and it was the first time the hospital sent me an invoice. I did call the hospital after receiving an invoice from them after five months and five days and the hospital told me that the insurance just finalized the payment on XXXX XXXX 2015. I asked the collection agency to send me a copy of the invoice that they from XXXX XXXX XXXX. The problem I have is, the collection agency already sent my file to credit agencies, at least that 's what they are saying initial, then they retracted it. not sure what to believe. XXXX XXXX XXXX never sent a bill or made any calls to me. I received invoiced from XXXX other providers that saw me at the same hospital visits and I paid them all upon receipt. I believe XXXX XXXX XXXX violated fair debt collection act by sending me to collection without sending me an invoice or attempt to contact me and let me know that I have an invoice from him. Why other providers invoices were received and his invoice was not, his invoice a small fraction of the hospital invoice. I believe XXXX XXXX XXXX and his company XXXX are not doing a good job billing their patients resulting in issues like mine. I attempted to call XXXX XXXX XXXX and the office of consumer affair at XXXX several time today on XXXX XXXX and no one took my calls or took messages from me. I called their billing office after speaking with the telephone operator at XXXX and the billing office refuse to talk to me since my file has already been sent to collection on XXXX XXXX 2015. There 's no way that XXXX XXXX XXXX was able to send the claim to my insurance company from a XXXX XXXX 2015 visit and send me an invoice and a final notice before sending me to collection by XXXX XXXX 2015. This is a blunder on XXXX XXXX XXXX and I want him to correct it by sending me an invoice so I can pay him immediately. I wish he or anyone in his office returns my calls after many failed attempts to call him and his office, only an operator answers the phone and gives me other number to call and no one answers these lines.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and deleted : XXXX XXXX
Product: Debt collection

On XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX, a court judgement was filed against me in XXXX XXXX ; which is located in Illinois. The judgement was in regards to me supposedly owing XXXXXXXX XXXX XXXXXXXX. I was unaware of this judgement because it was connected to an account with XXXX XXXX. During the year of XXXX, I was a Social Security recipient and my funds were being overseen by a designated payee. The designated payee was mandatory and court ordered for me to receive my monthly payments from Social Security. It was during this time that I believe the account with XXXX XXXX was set up under my name. The payee who had access to all of my personal info, I believe is the one that set up the account without my knowledge. I am currently still on Social Security and have been for over the past ten years. Now, the balance has increased to XXXX because of interest that has incurred. There was also ; legal fees that was ordered by the court of XXXX XXXX in the amount of XXXX. I have spoken with XXXX XXXX in regards to this matter via telephone, and was told that there would be an investigation into the matter. I was sent a response by XXXX XXXX  on XX/XX/XXXX, stating that, I had participated or benefited in the purchase, the account had been open for more than 12 months with statements sent to me, if statements were sent to me the payee would have been the one to send in a payment not me, and it was also; stated that payments have been made by me on the account in question, which is not true! If any payment was made it was by the individual payee that was assigned to me in order for me to receive my Social Security monthly payments. As far as the court order, I did not sign off on anything because I was unaware of the debt! I am being harassed by XXXX XXXX  by mail concerning this matter and would like for it to stop!
Product: Credit reporting or other personal consumer reports

The problem that I'm having is being that according to Title 15 USC 1681 ( a ) ( 4 ), in regards to all credit reportings according to the title 15 USC 1681 ( a ) ( 4 ) that's all credit reportings are fraudulent which means Experian Equifax and transunion are committing fraud. We/ I as consumers are due {$1000.00} per violation under title 15 USC 1692 k ( a ) ( 4 ) ( A ). To date there have been numerous if not dozens of violations relating to these companies which has posed risks and dampers my ability to access lines of credit loans and other related business transactions consumer transactions I've been repeatedly denied loans and business lines of credit because of these three companies.