23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

My auto loan bank, BMO Harris, is not allowing me to access my loan information online and is making it extremely difficult to access loan information by phone. I just got caught up on my loan payments as I got behind when I got laid off from my job. When I was in default, the bank said I would not be able to set up an online account to look at my information and make payments. I understood, but then I got caught up on my payments so I owed {$XXXX} as of XX/XX/2016. I called to set up online banking but they told me I could not set up online banking because I was once in default and now can never set it up. This is very problematic for me because I need to be able to access my account to keep caught up on my payments. Today it says I owe {$440.00} dollars - three days later - and I do n't know how. My monthly payment is supposed to b {$290.00} so I do n't know what the extra charge is and I ca n't go look on my online account to see. I tried to call and the auto loan management number, which always works, wo n't register my social security number or auto loan number after calling and attempting at least a dozen times. I can not talk to anyone at BMO without getting through typing in a valid SSN or loan number so I can not talk to anyone about these charges. BMO seems to be deliberately making it difficult for me to make my auto loan payments. They have also tried to repossess my car unlawfully, citing that I owed {$4000.00} when I really owed {$400.00} and had made the payment but they had n't processed it yet. They are not working with me to allow me to make timely payments and wo n't let me have access to the information I need. It 's like they want me to default so that they can re-possess the car. I will not sit by while this happens to me and they keep making unlawful charges and not helping me pay.
Product: Credit reporting or other personal consumer reports

I was summend to court but missed the date but the magistrate clerk sent me the judgement amount to pay which was {$7300.00}. He then ordered the account closed in 2022. A judgement was place me. Since that day XXXX XXXX has tacked on fees which now equal {$14000.00} and the account is closed and charged off. All 3 credit bureau are allowing the account to continue to occur fees even though the judge ordered it closed.
Product: Credit reporting or other personal consumer reports

I let the company know that Im the XXXX XXXX XXXX XXXX XXXX and that a charge off is a Certificate of indebtness/ and is income. Income can not be reported on the consumer report and needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of Equifax Credit Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was ran without my consent or knowledge on XXXX by XXXX XXXX XXXX, when I called them to ask if they had an authorization, identification of the person that applied for credit in my name, they told me to contact the credit reporting bureau & hung up the phone on me!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my credit report, there is a missed payment from me on XXXX, however, I made my last payment on XX/XX/XXXX, to XXXX XXXX before the vehicle was claimed as a total loss by the insurance on XX/XX/XXXX. As a result, this false claim has negatively impacted my credit score by a total of XXXX points.
Product: Credit reporting or other personal consumer reports

Per the Federal Credit Reporting Act as a federally protected consumer, per 15 USC 6802 I'am now OPTING OUT of ANY AND ALL Authorization I, the consumer may have given to XXXX written, unwritten, verbal or non verbal to report my nonpublic personal information. XXXX is in violation of the Privacy Act of 1974 as well as 12 CFR 1022.24 Reasonable opportunity to opt out because I was never notified by XXXX that my nonpublic personal information was going to be shared to non affiliated third parties such as the XXXX credit reporting agencies, and I was NEVER GIVEN THE CHANCE TO OPT OUT. Also, 15 USC 6508 states that I have the option to opt out of any account reported to my credit report and I am supposed to receive an opt out notice every XXXX ( XXXX ) days which XXXX  never sent to me. I am hereby exercising my rights under 16 CFR 313.7 Form of opt out notice to consumers. Also, XXXX violated the terms and conditions within their contract, because XXXX states that they do not provide consumer information to third-parties which they violated by reporting my nonpublic personal information to the credit reporting agencies listed above. According to 15 USC 6802 B ) I am supposed to receive XXXX different disclosures before my nonpublic personal information is shared but I never received notice. I want this account removed per the laws I stated above within XXXX hours and the account XXXX XXXX. I will acquire a certified audit report on this loan and file a SEC complaint and upload the report as well if this account is not removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my consumer report that there was an XXXX XXXX XXXX XXXX that I never opened. I have submitted my theft affidavit and I need this account closed and removed because it is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NEVER AGVE AUTHORIZATION PURUSANT TO 15 USC 1681 B, 168a4. 

AT THIS TIME XXXX XXXX XXXX HAS BEEN CANCELED, THUS CANCELING THEIR SECURITY INTEREST IN THE VEHICLE. XXXX XXXX XXXX XXXX CLAIMS THEY ARE THE LIEN HOLDER HOWEVER, XXXX XXXX XXXX HAS ALREADY CONFIRMED THEY ARE THE TRUE LIEN HOLDER AND WITH THE REQUEST TO CANCEL A PRODUCT I NEVER AGREED TO. 
I am well aware of the fraud and will to continue to pursue the matter. XXXX XXXX CLAIMS THEY ARE ABLE TO REPORT A DEBT THAT HAS NOT BEEN PAID HOWEVER WAS IN FACT PAID AT THE DEALERSHIP UPON THE ISSUANCE OF VALUE BY APPLICATION BY APPLICANT and a credit application only utilizing my on credit to purchase a vehicle. 
ENTERING A CONSUMER TRANSACTION MEANS I AM ENTERING A CREDIT AGREEMENT, NOT LAON AGREEMENT NOT SALE AGREEMENT. THE RESELLING OF MY CREDIT APPLICATION DOES NOT SUFFICE AS A VALID '' DEBT '' BY WILLFUL FRAUD AND COPYRIGHT INFRINGEMENT FROM A NAME IN TRADE. I HAVE REQUEST ALL PAYMENTs MADE TO XXXX be refunded to me the consumer. DUE TO THE BREACH OF PERFORMANCE AND FRAUDULENT REPORTING OF MY CONSUMER REPROT AND PRIATE INFORMATION. 1 ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NO LONGER HAS SECURITY INTEREST. 2 ) MY VEHICLE HAS ALREADY BEEN PAID, IF NOT SHOW THE LEDGER BOOKS PROVING THE UNBALANCE, OR PRODCE THE ORIGINAL CONTRACT NO COPIES. 3 ) XXXX XXXX XXXX  IS THE TRUE LIEN HOLDER. XXXX STILL HAS NOT PROVED HOW OR WHAT WRITTEN CONSENT THEY HAD TO REPORT ANYTHING ON MY CONSUMER REPORT. I HAVE NEVER GAVE AUTHORIZATION PURSUANT TO 15 USC 1681 B, 168a4. a so called delinquent debt is by no way a reason and pursuant to consumer law to report anything on a consumer report. Acquiring my information is regulated by consumer law as well as the duties of each company to comply. XXXX XXXX XXXX XXXX shall delete all accounts reporting fraudulently on my consumer reports with, XXXX, equifax, and XXXX. XXXX WILL CLAIM THERE IS A DEBT AND THEY HAVE EVERY RIGHT TO REPORT WHEN IN FACT THEY DO NOT, AND STILL HAS NOT PROVIDED MY WRITTEN CONSENT TO DO SUCH. AN FTC REPROT HAS BEEN FILIED FOR IDENTITY THEFT, COPYRIGHT INFRINGEMENT, ILLICIT FRAUD, AD DEFAMATION. ARBITRATION WILL FOLLOW. ALL CONTRACTS ARE VOID DUE TO THE NON PERFORMANCE OF DELIVERING THE " NOTICE OF RIGHT TO CANCEL '' TO CONSUMER AFTER THE ACQUISITION OF A VEHICLE. PAID BY CREDIT OF THE CONSUMER. ABNSK CAN NOT LOAN MONEY " 12 US CODE 1431 '' POWERS AND THE DUTIES OF BANKS. THE TRUTH IN LENDING ACT, THE TRUST ALL CONFIRMS MY CONSUMER RIGHTS. XXXX XXXX HAS ALASO CONFIRMED OF THE RESELLING OF MY INFORMATION AND THAT THEY HAVE RMEOVED MY DATA FROM THEIR PORTALS. IN ADDITION TO CONTACT THESE THREE BUREAUS TO HAVE THEM REMOVE THE SAME DATA, HOWEVER HAS NOT UPDATED AND BEEN REMOVED. XXXX XXXX XXXX XXXX ACCOUNT - {$17000.00}.
Product: Credit reporting or other personal consumer reports

XXXX - {$4800.00} In accordance with the Fair Credit Reporting Agency, the company listed above 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 602 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

I received a bill ostensibly from Pay Pal via my husbands email with a place to enter my pay pal numbers or a credit card and numbers. The bill is for {$670.00} for a 3 yr laptop service plan. I never ordered such a thing. In addition, although i do have an account with pay pal, it is set up to be paid via a credit card. 
This appears to be a scam. 
The billing companys address is listed XXXX XXXX XXXX XXXX XXXX, Ohio, XXXX. The billing company lists their email address as : XXXX The subject line reads : Invoice from PayPal : Authorized Payment to XXXX XXXX The letter was addressed to XXXX @ XXXX It is frustrating and disheartening. So many attempted scams on the internet and so many scam phone calls. We have sometimes received as many as 20 scam phone calls a day. We have also received at least 10 scam emails. 
Growing older is distressing not only because of physical decline, but also because we are perceived of and hunted as prey.
Product: Bank account or service

Went to Bank of America at the XXXX, CA Branch on XXXX on XX/XX/2016 to open a savings account. Manager XXXX tried to get me to open a credit card with a no balance transfer. XXXX walked out of the room and when he came back he indicated I could not borrow enough to pay off my XXXX account so I declined borrowing and had 60 days to think about it which I told him I would think about it. I did not give XXXX authorization to open up a credit account. Days later I was sent a new credit card. I contacted BoA fraud dept. and spoke with XXXX in XXXX Calif. office. and indicated someone opened a CC in my name. XXXX also could n't understand why an account was opened in my name without anuthorization. I asked Fraud to close account immediately and remove from my credit report. He was not able to do that. I spoke to Branch manager of BoA XXXX where I conference called with both XXXX and XXXX where they indicated along the lines if you speak about a credit or loan they automatically sign you up for a credit card. This was never mentioned to me nor did I ever authorize. Went to police dept. on XX/XX/2016 and spoke with officer XXXX ... case # XXXX. XX/XX/2016 Det. XXXX now on the case. During this time I received Numerous calls and emails from XXXX to myself where she sent them from her work and non-work email accounts as I had already told her I was going to the police regarding this. XXXX explained to Det. XXXX that since I already had a checking account with BoA that no authorization signature was required. Then XXXX indicated to Det. XXXX that the issuance of a credit card and account without verbal permission from the account applicant was a policy and procedure violation and XXXX had counseled XXXX regarding this. BoA told the detective that this was explained to me when in fact it was not to my knowledge. Since Det. XXXX felt there was no criminal activity and according to the penal code these items were not met. I was advised by Det. XXXX to contact the FTC and file a complaint. DEt. XXXX also indicated that BoA would delete this Credit Card completely of my Credit Reports from the Credit Bureaus. The investigation was closed and reclassified as an incident. If this happened to me as a consumer, I doubt I 'm the first person. The stress and inconvience of having to make numerous phone calls to close accounts, contact the credit bureaus and having to pay money to put a freeze on my credit when I should n't of had to go thru this in the beginning had they not wanted to meet their quota of new credit card accounts which I 'm sure is why they did this in the first place. Please also note the man ( XXXX XXXX ) who opened this account is the Relationship Manager. I have a hard time believing him or the Branch Manager XXXX that they did n't know the Banking rules on illegally opening a CC account with the customers knowledge.
Product: Mortgage

I have had numerous problems with Green Tree Servicing. I ALWAYS pay my regular payment plus an additional {$50.00} each month for the principal. In many cases, the principal is not posted to my account. For my last payment, this company only said I paid {$110.00} when in fact I paid $ XXXX.Also, my principal payment was not credited. I have been given NOTHING but the runaround from this company!
Product: Credit reporting or other personal consumer reports

hello my name is XXXX and i've notice this problem on my Credit report in XX/XX/year>. I am writing to delete the following items in my file. The items i need to be deleted are listed in the report. I was hoping you can delete the item thats listed below. I need to get my house loan as soon as possible. I am a victim of identity theft and i did not make the charge. I ask that the item be deleted to correct my credit report. I reported my theft to the Federal Trade Commission and i also have copies of the federal trade commission 's identity theft affidavit. please delete the items as soon as possible from all three credit bureaus, transunion, XXXX and XXXX
Product: Credit reporting or other personal consumer reports

Please remove fraudulent Inquiries on my report, I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues with my mail being send to out dated addresses. I finally pulled my credit report and found information that doesn't even belong to me on my report. please remove the following addresses they are not mine : XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX, 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 current and only address should be XXXX XXXX XXXX, XXXX, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau 1700 G Street NW XXXX XXXX XXXX Subject : Complaint Against XXXX XXXX XXXX for Illegal Debt Sale and Improper Handling of Collateral Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint exercising 15 U.S.C 1681s ( b ) against XXXX XXXX XXXX regarding their handling of my auto loan account, specifically concerning the sale of my debt to a collections agency and the improper disposition of my collateral, a XXXX  XXXX XXXX XXXX. 

To provide context, I had an auto loan with XXXX for the aforementioned vehicle. Unfortunately, due to unforeseen circumstances, I was unable to continue making payments. The vehicle was involved in an accident and subsequently declared a total loss. I had insurance coverage with XXXX XXXX XXXX, which was prepared to settle the claim for the vehicle. 

However, instead of reaching out to XXXX XXXX to resolve the matter, XXXX took the following actions that I believe are illegal and unethical : XXXX. **Sale of Debt to CollectionsXXXX : XXXX sold my debt to a collections agency without properly notifying me or allowing me the opportunity to address the situation with my insurance provider. This action has severely impacted my credit score and financial standing. 

XXXX. **Sale of Collateral** : XXXX sold my XXXX XXXX XXXX XXXX without my knowledge or consent. I have documentation that includes a notice of deficiency and a notice of their plan to sell the property. Additionally, I have a receipt from XXXX XXXX and XXXX, which confirms that they picked up the vehicle, and a police report detailing the incident. 

XXXX. XXXXUnjust Expectation of PaymentXXXX : After selling the vehicle and applying the sale proceeds, XXXX is now expecting me to pay a balance on a vehicle that was totaled. This expectation is not only unreasonable but also places an undue financial burden on me. 

I believe that XXXX actions violate consumer protection laws and regulations, and I am seeking your assistance in addressing this matter. I request that the Consumer Financial Protection Bureau investigate this situation and take appropriate action against XXXX for their improper practices. 

Enclosed with this letter are copies of the following documents for your review : - Notice of deficiency - Notice of plan to sell the property - Receipt from XXXX XXXX and XXXX - Police report I appreciate your attention to this serious matter and look forward to your prompt response. Thank you for your assistance in protecting consumers like myself from unfair and illegal practices. 

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

I have identified inquiries on my report are not related to any transactions completed by me. 

Please, either provide me with strict proof I authorized these inquiry such as signed application or contract or recorded telephone call or delete the inquiry immediately.
Product: Debt collection

I have been contacting this company for a while now, trying to let them know about the situation I have been in. the previous letter was sent on XXXX. I have accounts on my report that I don't recognize but they still haven't put a block or removed the items that are why this time I am seeking help from the CFPB as my first step in taking this matter seriously.
Product: Credit reporting

I have never lived in California and have no connections now or have ever had any affiliations with a XXXX XXXX, California Address. Please purge this from my record, because it 's fraudulent.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX, Kentucky XXXX CELTIC BANK/CONTFINCO XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/2024 Subject : Request for Goodwill Adjustment - Account : CELTIC BANK/CONTFINCO XXXX Account Number : XXXX Dear CELTIC BANK/CONTFINCO, I am writing to address the late payments reported on my most recent credit report for my CELTIC BANK/CONTFINCO account, with the account number XXXX. I acknowledge the importance of timely payments and understand the challenges it presents to your operations. 
I want to bring to your attention the circumstances that led to the missed payment on my account. Unfortunately, I experienced severe illness and hospitalization, resulting in missed payments. These late payment remarks have adversely impacted my life, causing missed job opportunities and preventing me from closing on a home for my family, all exacerbated by the challenges posed by the XXXX pandemic. I sincerely apologize for any inconvenience caused and want to assure you that steps will be taken to prevent a recurrence. 
I recognize the responsibility for these late payments lies with me, and I deeply regret the situation. I value our business relationship and have committed to ensuring timely payments moving forward. 
Considering the challenges I faced, I kindly request your understanding and goodwill in removing the late payment remarks from my credit reports. This gesture will significantly contribute to rebuilding my credit score and maintaining a positive standing with your company. 

Sincerely, XXXX XXXX
Product: Bank account or service

My father recently granted me Uniform Statutory Form Power of Attorney, California Probate Code Section 4401, noting further within the Power of Attorney Document that I " shall have the power to act on my behalf in my capacity as Trustee/Trustor of The XXXX Family Trust Dated XXXX XXXX, XXXX '' While this document was immediately honored by XXXX XXXX XXXX with whom my father also banks, CITIBANK has refused to do so. Instead, they have cited the need to have my father personally enter the branch and fill -- out additional forms that I believe to be exclusive to CITIBANK and wholly unnecessary if not illegal. My Father is away until XXXX XXXX and it is therefore impossible for him to appear. 

Currently my father has XXXX separate checking accounts with CITI BANK ; a joint checking account with my mother who is deceased and an account in the name of the family trust. I have placed several phone calls with XXXX separate branches in an effort to resolve this matter but to no avail. Moreover, I have been denied access to speak directly to the CITIBANK 'S legal department and have been, instead, directed to speak only to branch officials. 

I would like to know under what authority does CITIBANK have the right to act in this manner and why XXXX institution, in this case XXXX XXXX XXXX, had no issues with power of attorney while CITIBANK continues to put forth obstacles for granting my father 's wishes.
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 XXXX XXXX XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX  Balance : {$230.00} XXXX XXXX XXXX Balance : {$40.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give permission for XXXX Equifax or XXXX to report Bankruptcy on my report as this is damaging my reputation and stopping me from getting any approvals
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX