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

XX/XX/23 I went to BMO Bank in the XXXX XXXX area of XXXX, Illinois. The purpose of my visit that day was to open a business banking account. 

Upon meeting with a relationship specialist I was immediately given a flyer about a business line of credit product for minority companies that bank with BMO. This was unsolicited by myself. I was only there to open a business banking account. 

After being hounded by the relationship specialist and branch manager about the benefits of the product BMO offers, I finally relented. I was told my XXXX credit report needed to be unlocked. I was told there would be a soft pull on my credit to determine my worthiness for product. 

I was confused why BMO needed to do a soft pull on my personal credit for a business credit product. When the credit pull was performed it was a hard inquiry, which I did not want or anticipate. 

Ultimately I was declined the business line of credit product. The reason was combined business and personal income was inadequate for the loan amount requested. 

My issues are as follows : Never was told this product would require a hard inquiry. 
Never filled out, completed or signed an application for this business line of credit product. 

When I asked BMO for my completed and signed application I was never provided any documentation. Then I requested that BMOs resolution department remove the inquiry from my credit report when BMO was unable to provide my signed application for the business line of credit. The resolution team refused to remove the inquiry from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit report listed as XXXX XXXX XXXX Account XXXX. The creditor provided conflicting documentation regarding the balance and is not able to verify the correct balance for the account. This documentation was provided to Experian. However, Experian 's response to the dispute is as follows : " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' Experian disregarded the evidence submitted in my dispute and simply sided with a response from the creditor. This is clear violation of the Fair Credit Reporting Act. 

The account can not be validated for the following reasons : 1. XXXX XXXX has documentation claiming repossession costs are {$250.00}. However, XXXX XXXX has documentation showing {$370.00} of repossession costs were added to balance. 
2. XXXX XXXX has documentation that shows a credit of {$77.00} was issued to balance for cancellation of GAP insurance. However, the credit does not meet terms of contract provided by XXXX XXXX. Note that 12 months of insurance was not used, therefore a credit of {$140.00} would be expected. 
3. Experian is reporting 3 charge offs for one account on my credit report. The account was not charged off 3 times. 

Please see enclosed documentation, which proves the balance can not be validated and that 3 charge offs are not correct.
Product: Checking or savings account

On XX/XX/2019 I contacted this guy by the name of XXXX XXXX via XXXX to buy XXXX tickets for a game in XXXX Texas for the XX/XX/2019 game. He according had the tickets I needed and asked me to deposit him close to half ( {$500.00} ) the amount in order for him to be able to transfer the tickets to my ticket master account. Which I have buy tickets prior that way and no fraud has been happen before ; however this time, was different. He asked to deposit via XXXX which is the app the bank I used has it, so I figure was easier and fast. Once I transfer and it went thru, he no longer texted back, nor answer his phone and of course no tickets where transfer of tickets. I called right away to my bank and spoke to XXXX asking her to go head and cancel that transfer but she mentioned " I can't do nothing because you click the pay now option " I said well if I didn't click the now the person wouldn't transfer the tickets since the game is the next day and still had to drive 10 hrs to the game. After that she said " well it's tell pending on my side of the screen. So you have to be checking until it clears and then start a claim ". So I did and claim was initiated. After days, received a letter that my claim was close because they were nothing they could do due to I initiated the transfer and XXXX the app do not allowed to dispute and the third party of association doesn't give information from their account holders. So I next step was to file a police report but still no guarantee that the person will be paying back or even find that person even tho i have phone number, email, txt and of course the banks know about that person Info if not how it allow me to transfer and if I was the one initiated transfer why I can't be the one able to cancel as well. So I would appreciate if I can be assisted and make this individuals from scamming and stealing from honest individuals, as well make banks back you up, specially if the bank offers that app to transfer money. I thank you in advanve. Thank-you! I will be waiting for your response on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Bank of america call me a XXXX saying I'm not was in hospital but I did till XXXX when I sign up it say to get XXXX points and XXXX XXXX XXXX  but bank of america give me hard time when I was XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  they give me alot of stress but I want my XXXX and that XXXX  points that all
Product: Credit card

Been locked out the account for almost a month they want proof I used my own account to pay for the credit card bill and how I paid it
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted the accounts listed below & they told me I've never missed a payment, yet Experian, XXXX and XXXX refuses to fix the accounts from being listed late. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experian, XXXX and XXXX 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to correct these damaging negatives from my profile. 
XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$12000.00}
Product: Vehicle loan or lease

Car was deemed a total lost In XXXX insurance company sent a check on XXXX XXXX which was sent to the finance company. company said that they could not process the check as a result i was given a XXXX day marker on the car. TFS states that they got check on XXXX the due date was on the XXXX they also stated that they had a return check from the insurance company which the insurance company nor I have record of. 



This letter is confirming that a payment was issued to Toyota Financial Services in the amount of XXXX  on XXXX/XXXX/XXXX for the date of loss XXXX/XXXX/XXXX for the total loss of the XXXX XXXX GS XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act, DeptEd/XXXX XXXX XXXX XXXX XXXX DeptEdXXXX XXXX XXXX XXXX XXXX DeptEd/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX Have violated my rights.

15 U.S.C 1681 section 602 A, states I have a right to privacy.

15 U.S. C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish my account without my written permission. 


XX/XX/XXXX I sent a letter to all TransUnion XXXX XXXX advising them of inaccuracies concerning XXXX accounts, outlining the inaccurate information being reported and that I wanted them deleted. 
XX/XX/XXXX I sent another letter to TransUnion XXXX XXXX stating the same things, inaccurate information being reported and to please delete. 
XXXX XXXX XXXX  I sent another letter to TransUnion XXXX XXXX stating the same thing. And as of XX/XX/XXXX these accounts are still being reported. 

Account numbers are : DeptEd/XXXX XXXX XXXX XXXX  ) DeptEd/XXXX XXXX XXXX XXXX XXXX DeptEd/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I sent a letter to all three bureaus about inaccurate information that was outlined in the letter regarding : XXXX XXXX XXXX XXXX XXXX asking them to delete the account. It is still being reported inaccurately. 

XX/XX/XXXX I sent a letter to all three bureaus detailing the inaccuracies and the violations on these XXXX accounts : US DEPT ED # XXXX ( XXXX ) US DEPT ED # XXXX ( XXXX ) US DEPT ED # XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent another letter to the XXXX bureaus detailing the inaccuracies and violations that are being reported. Along with this letter I sent a letter from XXXX forgiving my student loans and asked them to put paid and change or delete the comments. These still show inaccuracies in my report. 

XX/XX/XXXX I sent a letter to XXXX asking them to delete these XXXX inquiries because they do not have a permissible purpose for reporting and that I was not given a firm offer of credit and its neither for employment, court order or insurance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent a letter to TransUnion asking them to delete these XXXX inquiries because they do not have a permissible purpose for reporting ; I was not given a firm offer of credit and it is neither for employment, court ordered or insurance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These XXXX inquiries are still being reported on my credit report. 

I have requested on several different occasions that they make the proper corrections and after XXXX XXXX XXXX XXXX years, they reporting the same inaccurate information that is preventing me from buying a house or getting a good car loan. 

I will be uploading all the letters and screenshots in the order presented in this letter. 

Thank you and have a most excellent day. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have contacts Equifax regarding obtaining ny credit report and viewing my dispute results or submit disputes online. 

Ever since I sent a dispute in writing certified my online account had been locked and it allows ne to sign in but shows no information. 


This information wasn't an issue until the received my dispute. 

I've had numerous escalation requests and they have been ignored. 

I have been disputing inaccurate information and fraudulent information as well. A police report was submitted in XXXX and they claim it was not saved or available and the account still remains on my credit report. 

In my re investigation request I requested the description in the process as well as physical evidence with names and contact numbers to who this information was verified with. 

Upon the review of my report same accounts have been reported inaccurate information. Someone is lying. 

Since XXXX my personal information had been breached three times and my rights are being violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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.
Product: Credit card

There was a charge of {$80.00} on my venmo to XXXX I contacted venmo they said I needed to contact the vendor there is no purchase on my account from XXXX using my venmo card nor on that date they asked me to provide them correspondence which I did stating from Amazon that there are no purchases on my account I gave them screenshots of my request as well as their answer I also sent a request to Amazon verbally to address it with venmo however they can not because there's no purchase on my account they told me I needed to call them and tell them that I have filed XXXX disputes with them and every time I do they tell me they need more information which I do provide I think this is complete XXXX please help me get my money back
Product: Debt collection

Company : National Credit System , Inc Date : XXXX XXXX Problem : The above debt collection agency report a debt to a credit report agency without sending me any written communication to inform me about debt they accrued, nor did the original owner of the debt ever notify me of the debt. I found out about the debt from when it appeared on my credit report on Sunday, XX/XX/year>. However, according to the Consumer Finance Protection Bureau ( CFPB ) by law a consumer has a right to validate the debt, if in fact the debt is true. The consumer also has a right to pay or/and settle the debt before reporting it to a credit bureau, but National Credit System and the original debt owner violated my rights by not informing of the debt. Furthermore, by law the debt collection agency must give the consumer time to do all this, which they didnt. Likewise, the debt collection agency must not report inaccurate information, which is against the law. Providing credit bureau false information, and not properly doing their due diligence according to the CFPB is all illegal and the credit bureau reporting the information with these inaccuracies is also unlawful and it will be reported to The Federal Trade Commission ( FTC ) for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 Section 604 A Section 2 : State a consumer reporting agency can not furnish a account without my written instruction. 15 U.S.C 1681i SECTION 602 A also state I have the right to privacy. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me I never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec, 1681i ( a ) I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent rights and correct. So could you please check on on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate accounts and remove them if anything is missing or not correct on them. Please provide proof that its reporting correctly from the Courthouse and not a third party and delete if anything is incorrect and update the account as ( paid as agreed ). 
Thank you for you time and help in this matter.
Product: Debt collection

They refused to come to agreement. Said this will be on my report for 7 years and I didnt have rights and I should just pay them.
Product: Credit reporting or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX Account Number : XXXX Delete From My CREDIT REPORT 5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

7. The inquiry was not authorized XXXX  Date of inquiry : XXXX  Delete this account. 

8. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Incorrect Credit Reporting After XXXX  XXXX Bankruptcy Discharge To Whom It May Concern, After multiple unsuccessful dispute attempts with the Credit Bureaus ( XXXX, XXXX, and TransUnion ), I contacted XXXX XXXX XXXX  at the phone number listed on my credit report : XXXX. On Thursday, XX/XX/XXXX, at XXXXXXXX XXXX XXXXXXXX, I spoke with XXXX representatives, the last of whom was XXXX ( employee ID # XXXX ), who identified himself as an Account Manager. The call lasted XXXX minutes. 

All representatives, including XXXX, directed me to contact XXXX XXXX for assistance in correcting the reporting of these accounts to the credit bureaus. I was informed that my accounts had been sold to XXXX XXXX for collection. However, I was discharged in XXXX  XXXX Bankruptcy proceedings on XX/XX/XXXX, under Case No. : XXXX, and XXXX XXXX XXXX was listed as a creditor for discharge of the debts. 

The accounts in question are referenced as XXXX, XXXX, and XXXX. 

I am formally requesting that XXXX XXXX XXXX  update the reporting to XXXX, XXXX, and TransUnion to reflect that these accounts are closed with no outstanding monthly payments due. The accounts in reference remain XXXX, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

I sent EXPERIAN my identity theft report and made them aware I had multiple fraudulent accounts on my credit report unauthorized and multiple inquires created while I was on duty and they have failed to block XXXXXXXX XXXX XXXX  from my credit report or all of the unauthorized inquires. I am attaching AGAIN the documentation and I do expect the last of the fraud to be BLOCKED and removed from my credit report before I have to escalate this with my superiors and contact a lawyer to make a formal inquiry and legal notice to XXXX XXXX for them NOT adhering to the FCRA and violating my rights.
Product: Credit card or prepaid card

I have a credit account with PayPal Credit. I have made 1 purchase in XX/XX/XXXX in the amount of {$110.00} while I was out of the country. By the time that I came back to the USA, the XXXX bill was in my mailbox and I paid {$110.00}. After making the payment, I left the country again and could not come back until the end of XX/XX/XXXX due to having XXXX myself then my XXXX XXXX getting XXXX while abroad and my mother getting a XXXX while abroad. When I came back home around XX/XX/XXXX, I saw a bunch of voice mails on my USA phone and mails from Paypal as well as from Synchrony Bank saying that I owe them a balance of {$280.00} as of XX/XX/XXXX. 

Upon calling Paypal, I learned that when I made a payment in XX/XX/XXXX for {$110.00}, it was past due and they had already issued {$29.00} late fee, which I did not know was issued because I made the payment based on XXXX statement. Since then, they have added $ XXXX monthly late fees and additional interest charges each month. So, the initial {$29.00} late fee that was not paid with the payment of {$110.00} snowballed into {$280.00} as of XX/XX/XXXX. 

I should not be paying late fees over late fees. If there was any purchase that I made that I did not pay, I can understand how the fees get added until I make full payment. However, I did not see the statements or calls or voicemails while I was out of the country and a credit company keep adding their fees over their own fees is not right. 

I have called PaypalCredit and asked the fees to be waived considering that total balance on my account is accrued fees and not a purchase and said that I can pay the initial late payment fee since my {$110.00} payment was not received on time. However, PaypalCredit said that they can only waive {$40.00}.
Product: Checking or savings account

SquareXXXX XXXX XXXX is holding money from a direct deposit return for employees payroll and the grounds that I owe XXXX. I have contacted them for months now. Have found the charge by them for the amount above on the date of XX/XX/2022 and sent the at their request proof of this transaction. After all of this has been done they still have no word on a resolution of the problem and continue to not be able to put me in contact with any party I have asked to speak to. I have asked for contact from a supervisor as well as the legal department and have not heard anything else back.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. XXXX XXXXXXXX Balance : {$1500.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$7900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$23000.00} XXXXXXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Debt collection

The collector called my place of employment and spoke to someone there that had the same name as myself. They disclosed they were calling in regards to a debt and where they were calling from. This is strictly prohibited by the fdcpa. My coworker told them I can not receive calls and work and to not call again.