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

I am writing to notify you that I am a victim of a data breach, resulting in fraudulent accounts appearing on my credit report. I am requesting that the accounts listed below be blocked and deleted from my credit file under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I noticed an online fraudulent charge on my credit card from XXXX for {$70.00} on XX/XX/XXXX. I did not authorize this charge. I notified TDBank on XX/XX/XXXX using their online " secure message '' application. I received an online automated response indicating that TDBank received the message. I sent XXXX follow-up messages on XX/XX/XXXX and XX/XX/XXXX. None of TDBank 's responses addressed the {$70.00} fraudulent charge. On XX/XX/XXXX I sent a letter to the address as directed for error resolution on the back of my credit card statement. I sent a follow-up letter on XX/XX/XXXX. This charge of {$70.00} is the only charge on this account and I have requested that all late charges and interest also be removed from my account. 

I have not received any response to these letters whatsoever.
Product: Checking or savings account

Transactions from XXXX XXXX from XX/XX/24 XX/XX/24 Total of XXXX No action was took and i wasn't reached out apon these transactions
Product: Credit card or prepaid card

Card provides promotional no interest and low interest terms on qualifying purchases. They are very deceptive and fraudulent in the manner that payments are applied in order to maximize interest payments. They offer calling to 'reallocate ' payments towards interest bearing balances which I have done consistently and yet the payments are still off - to date by $ XXXX to date ( harm to me is in extra interest inappropriately charged. ) Was told today ( new information ) that my previous direction to call in was incorrect and that I could only appropriately steer a payment to an interest bearing balance by calling at time of payment ( company does not allow consumer to direct payments, company required to by involved ). I have called and talked about the interest and inappropriate allocations many times and today was the last straw after the escalation specialist hung up on me. The person I talked to understood the problem and said 'any interest charged at billing is due and can not be refunded '. -Not when I ca n't apply a payment to an interest bearing account through no fault of my own!
Product: Checking or savings account

Unresolved Funds Transfer Issue. 

Dear Consumer Financial Protection Bureau, XXXX XXXX  Routing # : XXXX XXXX XXXX  Account # : XXXX Type : Business Checking Union Bank Routing # : XXXX Union Bank Checking # : XXXX Type : Personal Checking US Bank Routing # : XXXX US Bank Account # : XXXX Type : personal checking. 



I am writing to submit a formal complaint regarding an unresolved funds transfer issue that I am experiencing between my XXXX XXXX  account and U.S. Bank / Union Bank The details of the matter are as follows : On XX/XX/2023, I initiated a real-time external transfer of {$2800.00} from my XXXX XXXX  account to my Union Bank Account ( XXXX  with XXXX ). This transaction occurred shortly after the merger of Union Bank  into U.S. Bank. Regrettably, the funds have not appeared in my U.S. Bank account, despite having successfully used this method in previous instances. 

In my pursuit of resolution, I have engaged in communication with both XXXX XXXX  and U.S. Bank. U.S. Bank asserts that they have no record of receiving the funds, despite my provision of the transaction number and reference number for verification. They explained that only tracing numbers are considered for transaction tracking. Conversely, representatives from XXXX XXXX  confirmed the successful execution of the real-time external transfer but clarified that tracing numbers are not applicable to this specific type of transaction. 

My attempts to address this issue through the banks ' customer service channels have been unfruitful. Both institutions have shown reluctance to initiate a thorough investigation into the matter, leaving me in a state of uncertainty and concern. 

I provide both bank statements in this complaints. 

Given the complex nature of this issue and the lack of progress through conventional channels, I am reaching out to the Consumer Financial Protection Bureau for assistance. I believe that your expertise and intervention can help bring clarity and resolution to this pressing matter. 

I kindly request your intervention and support in facilitating a thorough investigation to uncover the whereabouts of the transferred funds. Your assistance in mediating this issue would be greatly appreciated, as it is essential in ensuring fairness and transparency. 

Thank you for your prompt attention to this complaint. I look forward to your guidance and assistance in navigating towards a satisfactory resolution. 

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

THE INQUIRIES/ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Checking or savings account

My XXXX year old father banks with BMO Harris. I recently became the activated power of attorney for his finances. I need to manage his accounts in order to pay bills related to his home while he is in a XXXX XXXX XXXX I live XXXX miles away from his local bank branch. 

His personal branch banker was very helpful in getting me added to his accounts as a signer and POA. She was responsive, friendly, and set me up with an online banking profile to manage his affairs. 

Since then, BMO 's online banking team has made it impossible to manage his affairs. First, his accounts were not added to his profile. Then, the platform would not permit multi-factor authentication even though my correct contact information was on file. Then, the platform removed my telephone number from the profile without my consent and locked me from the account. THEN, I spent hours over the course of an entire week unable to contact a customer service representative to unlock the account. The " contact us '' options on the BMO website all route to the telephone number that has gone unanswered. 

I am prepared to move all his assets away from BMO Harris after this experience, because I do not trust their ability to let me manage it- but because I can't get in or reach a representative, it feels like the bank is holding his assets hostage.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following items from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$650.00} XXXX XXXX Balance Owed : {$290.00} XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXXXXXX Balance Owed : {$710.00} XXXX XXXX XXXXXXXX Balance Owed : {$9300.00} XXXX XXXX XXXX  XXXX XXXX Balance Owed XXXX {$10000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company initially offered me a 120 day deferment on my auto loan with them and then when I called back to tell them that I needed the remainder of the 120 day deferment they stated that they were no longer offering that and advised that I would need to make the payment. I advised them that I had not returned to work yet due to COVID 19 and they stated that they feel that they have done everything that they needed to assist me. Then on XX/XX/2020 I received a phone call from someone in the collections department asking why I cancelled the payment online, this person was extremely rude and nasty.
Product: Debt collection

Midland credit management is not licensed to perform debt collector practices in the state of Texas. Per Texas Consumer Law, third party debt collectors are not allowed to give false information about the consumer to anyone, including the credit agencies. In addition, according to the Texas Secretary of State, third-party debt collectors and credit bureaus must file a {$10000.00} surety bond before they can engage in debt collection activities. Per the attachment, Midland Credit Management is not licensed or certified to perform any debt collection practices in the State of Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 


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
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year>, XX/XX/year> and XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft & have reported this to the credit bureaus & the police department as well as identity theft.gov three credit card issuers have verified Im a victim of identity theft & have removed the trade lines from all credit bureaus. I reached out to upgrade to inform them I am not going to pay for a cc that is not mine. I have provided them with all information I can. The upgrade rep through email wants me to call XXXX XXXX  in a three way call to verify the bank they sent money too is not in my name. I have held XXXX XXXX accounts so yes there will be a history for me but I will not provide my info to another company to satisfy upgrade. I already provided documentation & I received no response they have not provided me with any evidence this account is mine no paperwork, signatures, nothing.
Product: Debt collection

I am writing to file a formal complaint against Consumer Adjustment Company for violations of the following laws : 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ), 12 1006.34 ( d ), and 15 USC 1681-S 2 ( 7 ) ( a ). I received notification from all 3 credit reporting agencies on XX/XX/year>24 that an account was opened XX/XX/year>24 for {$1600.00}. This has caused an adverse effect on my credit file. 

I am disputing owing any and all debts to Consumer Adjustment Company. I am also revoking all rights of Consumer Adjustment Company communicating with me through calls, email, or text. 

I would like a copy of the following items : The purchase agreement between Consumer Adjustment Company and the original creditor.

Proof Consumer Adjustment Company is licensed and bonded. 

I kindly request that the Consumer Financial Protection Bureau investigate these violations and take appropriate action against Consumer Adjustment Company to ensure that they comply with the law and cease these unlawful practices. 

I have attached a copy of each reporting agency to reference what it is reported. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

I have tried several times with this company to resolve my disputes and have had a couple EMPLOYEES even admit that they see no reason as to why my disputes we're denied and now the bank is telling me that in outta luck and that they will not help me any longer. Awful company, supposed to be protecting my money yet are helping fraudsters steal it and not returning it. I just want my money back but they claim that there's nothing they will do ( not that there's nothing they can do but that there's nothing they WILL do ). This is a joke. The fact that even their employees admit that there's no reason for them to deny the disputes speaks volumes. If they fail to resolve this I am taking my business elsewhere.
Product: Student loan

Hello my name is XXXX XXXX I went to the university XXXX XXXX back in XXXX exact date XX/XX/XXXX I only stayed at this school until XX/XX/XXXX according to the university XXXX XXXX they were dispersed XXXX dollars from Sallie Mae 's now navient. They refunded navient back on XX/XX/XXXX in the amount of XXXX navient is stating that they have no record of that while I emailed the proof the ledger of what was refunded back to them. They are stating that I have to pay navient back over XXXX the total amount dispersed for the two months that I attended that school was in the amount of XXXX. They are trying to make me pay and extra XXXX and some change for something I never used. XXXX XXXX response to the matter was well why are you looking into it now 11 years later. While I was in school and still in school I thought my loans was deferred but according to them which I did not know at the time that a private loan you have to pay back while still in school and they are trying to make me pay for something that I never used as well as not will to work at a reasonable price for repayment to what I can financially afford. They were rude, nasty and not made statements to me that you should not say to a customer such as " why am I looking into the matter now '' " you should have did this 11 years ago it's to late '' " it's a debt that has to be paid '' I'm willing to pay what i used and that is the XXXX not over XXXX dollars. Inhave documents to prove what was issued to university XXXX XXXX and what was refunded back to navient. THERE IS NO WAY THAT FOR 2 MONTHS OF SCHOOLING THAT IT COST XXXX DOLLARS. They are disguising student and not explaining what a private loan is and when it comes time to pay they are not flexible with the students and what they can afford. I would like to take this higher to a class action lawsuit if possible.
Product: Credit reporting or other personal consumer reports

I have disputed this plenty of times and they keep giving me the same answer. I have provided evidence now to show that I did infact paid them for the month they are reporting I did not. 

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 XXXX XXXX, Account Number : XXXX, 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 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: Mortgage

My full payoff is XXXX I am a first time homebuyer who really got jinxed on this home My name is XXXX XXXX My Loan number is XXXX From Rocket morgage Here is my story Dear Rocket Mortgage, I Am very unsatisfied with the way my first home purchase ever went this home purchase I worked very hard to accomplish this goal spent 5 years saving money and working on my credit score but I was completely unsatisfied with my home the real estate agent made it sound like it was a good neighborhood and when I moved in the neighborhood was bad groups of people down street from my home drinking and partying not to mention the middle school is one of the worst in XXXX me or my children could not go in our backyard because the fence was down and the neighbors pitbulls had 100 percent control of my yard and I have a XXXX XXXX XXXX the theres my job promising me all these hours and I got jiped on the hours and not to mention there are very limited programs for child care which pretty much Left me hanging now mind you I gave up my bread making job at XXXX in hopes to give my kids a better life in XXXX now I got XXXX XXXX I get my job back this house Left me broke jobless and behind on my credit XXXX everything I worked extremely hard for is down the toilet over some real estate agent painting a perfect picture that was a nightmare I am asking you I want my XXXX down payment refunded to me and I want enough money to get back on my feet I am willing to give you XXXX toward loan thats it this house destroyed my life and now I need to support my family with no job Im not leaving out of this empty handed I will pay remaining balance monthly but in my case its cruel and uncalled for to be tricked into a home that was a absolute nightmare I will keep my obligation to rest of mortgage but this needs to be handled Im a mother raising and supporting 3 kids on my own and my hopes for giving my kids security got crushed by deceit and that is my agreement to you selling this house you can remove insurance and taxes Im very aggrieved by this and that is my offer to you my kids come first and I do take care of my obligations Thank you XXXX XXXX
Product: Checking or savings account

On our about XX/XX/year> Experian allowed someone to open a XXXX XXXX checking account in my name. I was able to close the account but Experian did not give a satisfactory reply on how someone was able to open the account. I had previously frozen my credit at all credit agencies, including Experian, yet they still allowed a checking account to be opened without notifying me in any way. I discovered the account while investigating other Experian issues.
Product: Debt collection

I am writing to formally request that you cease and desist all communication regarding the debt you claim I owe, account number [ insert account number or reference number ], under the Fair Debt Collection Practices Act ( FDCPA ) and applicable state laws. 

I dispute the validity of this debt, and I request that you provide me with written verification of the debt. Until you can provide such verification, please refrain from any further communication or collection activities related to this matter. This includes phone calls, letters, or any other form of contact. 

Please be advised that failure to comply with this request will leave me no option but to report your actions to the Federal Trade Commission and the Consumer Financial Protection Bureau, as well as to consult with an attorney regarding my rights in this matter. 

Thank you for your attention to this important issue. I expect a written confirmation that you have received this letter and will comply with my request.
Product: Credit reporting or other personal consumer reports

On my credit report theres an inquiry from FNB OMAHA on XX/XX/year>. I called XXXX about this to get it removed, I was told I had to call the company and they would send out the information to XXXX to have them remove the inquiry. I called the company, they could not find any information about me. I gave the representative my name and full SSN. After searching their database and finding nothing I was told we dont send out information to the credit agencies. I informed them that an agent from XXXX told me to call them to resolve the issue. 

FNB OMAHA XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want the reports updated and information with this house loan and other accounts on my reports Experian / Equifax XXXX XXXX XXXX they all have the same problem with my reports miss leading information and incorrect. And i have also asked for my for my updated credit score and my fico score. Since i have not applied for a credit score in last 3 years they also want to charge me with a fee to get a new XXXX on line and by the mail. i have attached paper work to as whom i, am with the XXXX credit companies. I have also complain to my state attorney general office and forward my complaint to president Trumps office with full details on the house problems and my credit reporting problems i had and all party in this matter