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

Unrecognized account with BMO Harris Bank In XX/XX/2022, I got a statement from BMO Harris Bank mentioning a savings account number with XXXX dollar balance. I dont remember ever opening an account with BMO Harris bank. I didnt even know such a bank existed and I had to search online to see that it is a legit bank. 

I called the number provided in that statement and spoke to an agent. When I mentioned the issue and asked them when the account was opened they said they cant provide that information. They said I need to go to the nearest branch ( which is more than a 100 miles from my house ). I told them that. They offered to close the account. 

I thought the matter was settled. I was still worried and put a freeze with credit agencies. 

I got another USPS mail statement in XXXX for XX/XX/XXXX for the same account number with a XXXX dollar balance I believe the BMO HARRIS bank is trying to open fake accounts - like another bank that did a few years back and was penalized. Initially I thought somebody opened an account in my name - assuming my SSN is compromised. Given that BMO harris promised me that the account will be closed and I still got the statement makes be believe the bank is doing something fishy. 

I called again and spoke to some one and explained the issue including the fact that the account was supposed to be closed last month. They put me on hold for more than 1/2 an hour. I hung up as I realized that they were deliberately doing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am stressed and unpleased that my credit report was misused and I have been violated. I was apart the breach when the Equifax and XXXX got sued so I thought my information was protected moving forward. Thats makes me scared over the privacy of my information. As I was trying to purchase a home I discovered how I have been violated again. This is defamation of my character and putting my livelihood at risk stopping me from buying a home. So I immediately did research to educate myself and enforce my federal consumer rights so I can moved forward in my life. As the consumer financial protection bureau I ask you to help me exercise my rights IMMEDIATELY! I have several fraudulent accounts on my credit report that should not be there. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) Congressional findings and statement of purpose, my consumer report fairness and privacy has been violated.

I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. There are damages on my consumer report that is causing financial and psychological stress. According to, 15 U.S. Code 1681n ( 1 ) ( a ) ( b ) - Civil liability for willful noncompliance, I have the right to sue for up to {$1000.00} per damages for being under false pretenses and not knowing about how my information has used in the breach and the negative accounts that is on my consumer report. I know my rights!! Attached you will see the disputes I am sending to all the credit reporting agencies. REMOVE ALL THE DAMAGES FROM MY REPORT IMMEDIATELY and send me {$1000.00} for all damages.
Product: Debt collection

I am filing a formal complaint against PayPal regarding their aggressive and distressing debt collection practices, which have significantly worsened my mental and emotional well-being. 

Due to financial hardship and prolonged exposure to a violent environment, I have been struggling with severe mental distress, including suicidal thoughts. My economic situation has made it extremely difficult for me to repay my outstanding debt to PayPal, and despite my efforts to manage my situation, their relentless collection tactics have only exacerbated my emotional distress. 

PayPal has been persistently demanding repayment, contacting me repeatedly despite my inability to pay at this time. Most concerningly, they somehow obtained and called my elderly grandmother, harassing her about my debt. I have no idea how they acquired her contact information, and this invasion of my family 's privacy has caused additional emotional distress for both me and my relatives. Their actions have not only increased my anxiety but have also left me feeling completely overwhelmed and hopeless. 

I am reaching out to seek urgent intervention. I respectfully request that PayPal cease their aggressive collection attempts, including contacting my relatives, and provide me with a hardship payment plan or a reasonable resolution that acknowledges my financial and mental health struggles. 

I am committed to addressing this debt, but I need a fair and humane approach that does not further deteriorate my well-being. I kindly ask for CFPBs assistance in ensuring that PayPal adheres to ethical and responsible debt collection practices. 

Thank you for your time and support.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verif
ication as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX
Product: Debt collection

I notice a negative item from midland credit management on XX/XX/XXXX for an alleged debt that i do not owe, so on XX/XX/XXXX I sent them a letter for the account number XX/XX/XXXX being reported, asking for validity of the alleged debt in its entirety.i have attached a copy of the  letter below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Am a federally protected consumer. XXXX was notified of a dispute of account with Discover Bank Account number XXXX pursuant to 15 USC 1681a, ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. XXXX HAS FAILED TO DISCLOSE AND PROVE THEY HAVE HAD PERSONAL INTERVIEWS WITH MY NEIGHBORS OR FAMILY, under 15 USC 1681 ( a ) ( 4 ) i have a right to privacy i ask this account be removed from my consumer report... ACCORDING to 15 USC 1681b ( 2 ) STATES YOU HAVE TO HAVE WRITTEN CONSENT FROM I THE CONSUMER TO EVEN FURNISH SOMETHING ON MY REPORT THAT IS IDENTITY THEFT .... Any Negative marks need to be deleted ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THERE SHOULD BE NO INFORMATION SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ALL TRANSACTIONS BETWEEN I AND XXXX XXXX SHALL BE DELETED PURSUANT TO 15 USC 1681c-2 I CALL FOR A BLOCK TO ANY INFORMATION ON THIS ACCOUNT WHICH RESULT FROM IDENTITY THEFT
Product: Mortgage

WE ARE IN RECEIPT OF COMMUNICATION FROM THE OBTAINED LEGAL COUNSEL XXXX  ON BEHALF OF BOA REGARDING : XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX. IF BOA WAS NOT GUILTY OF ANY FRAUDULUENT ACTIVITY WHY WOULD THEY OBTAIN LEGAL COUNSEL. AS WE CONTINUALLY STATE WE HOLD ALL DOCUMENTS WHICH ARE HOUSED IN SEVERAL PLACES IN THE EVENT ENTITIES ATTEMPT TO TRY THEIR CREATIVITY AGAIN. WE KNOW BOA WAS APART OF THE PLOTS TO TAKE ME OUT AND A PART OF THE CONFERENCE CALLS WITH STATE OFFICIALS AS ATTESTED IN A PREVIOUS HEARING. 

XXXX. THE DOCUMENTS ATTACHED TO XXXXXXXX XXXX  WERE APPARETNLY OBTAINED FROM XXXX AND XXXX, WHICH IS QUITE HUMERSOUS AS NEITHER FIRM HAVE THE CORRECT SUPPORTING DOCUMENTS FOR THEIR CASE. 

XXXX. XXXX HAS ASSISTED US WITH COMPLETLY VALIDATING OUR CASE REGARDING BOA ROLE IN THE FRAUD MORTGAGE LOAN. UNDERESTIMATING US SINCE WE ARE MINORITIES AND THINKING WE ARE INCOMPOTENT WITH IQ 'S NOT SUPERCEDING XXXX IS TOTALLY INCREDIBLE. TRY XXXX? WE ARE NOT STUPID AND WE KNOW WHAT BOA HAS DONE. 

XXXX. SIMILAR TO XXXX AND XXXX YOUB ARE ASKING DOR OUR DOCUMENTS BECAUSE NEITHER FIRM HAS THEM. THIS IS QUITE HUMERSOUS. HOW CAN YOU REPRESENT A CLIENT AND DO NOT HAVE A FIRM FOUNDATION. AS THEY TEACH YOU IN LAW SCHOOL, PREPARE FOR ALL CRACKS WHICH MAY OPEN FROM YOUR OPPOSITION! 

XXXX. WE HAVE GIVEN BOA A BREAK, WE HAVE NOT EVEN REPORTED THE ADDDITIONAL PIECES AS A COMPLIANT TO SUPPORT BOA 'S ROLE IN THE MORTGAGE FRAUD. YES, TRUMP CARD! 

XXXX. THESE XXXX FRAUD DOCUMENTS, LIFTED SIGNATURES AND INITIALS. JUST SOCIOPATHETIC. PLEASE NOTE WE SUBMITTED ALL DOCUMENTS TO ALL APPLICABLE AGENCIES YEARS PRIOR TO NOW. SO, PLEASE DO NOT ATTEMPT TO MODIFY THEM. 

XXXX. SUBMIT COPIES OF ALL PAYMENTS FROM XXXX AND XXXX MADE TO BOA. OH, YOU CAN'T OBTAIN THEM BECAUSE THEY ARE ONLY ON FILE FOR 7 YEARS! YEA RIGHT! 

XXXX. WE NEVER RECEIVED ANY LOANS FOR MORTGAGES FOR ANY OF THE RESIDENTIAL PROPERTIES WE THOUGHT WE PURCHASED. ALL OF THE REPRESETNING FIRMS ARE AWARE OF STRAWBUYERS BEING INVOLVED NOT ONLY REGARDING THE RESIDENTIAL PROPERTIES, BUT COMMERCIAL AS WELL. AS MATTER OF FACTS, MEMBERS OF SOME OF THE FIRMS PROFITTED FROM TH FRAUDULENT MORTGAGES OBTAINED USING OUR PERSONAL INFORMATION AND CREDIT. WE NEVER RECEIVED LOANS FOR ANY YEAR NOR MONTH OR DAY! WE WERE TARGETED AND VIOLATED AND THESE BANKS WERE PASSING AND SELLING THE NOTE WHICH BASICALLY BUILT OTHER SUBDIVISIONS! 

REFER TO THE ATTACHED DOCUMENT : DEEDS. THESE ARE NOT OUR INITIALS. 

WE ARE ASKING THE CFPB, FBI AND ALL APPLICABLE ENTITIES TO PLEASE PLACE BOA AND XXXX XXXX XXXXXXXX XXXX. THEY TOO ARE HARMING US PERSONALLY. WE WILL NOT CONTINUE TO RECEIVE DISERTATION FROM THEM! F WE THANK XXXX FOR SURTHER EXPOSING BOA 'S FRAUD! 

WE LOVE THE ADDRESS FROM XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX TEXAS XXXX. EVERYTHING IS COMING OUT OF TEXAS DOES THE LAST NAME BEGINNING WITH AN ( XXXX ) RATTLE YOUR MINDS?? WE KNOW IT DOES!
Product: Credit card or prepaid card

See attatched UNAUTHORIZED CHARGES USAA CARD XXXX TOTAL {$320.00}. FRAUD REPORTED XX/XX/2018 ARE THESE FRAUD INVESTIGATIONS COMPLETED YET? WHY WASN'T I SENT ANY NOTICE AS PER LAW? USAA NEVER SENT ME ANY DOCUMENTATION AFTER COMPLETION OF INVESTGATIONS. WERE TEMPORARY CREDITS EVER MADE PERMANET IN MY FAVOR??? IF SO WHEN? PLEASE SEND ME WRITTEN DOCUMENTION OF THE RESULTS OF THESE INVESTIGATIONS.
Product: Credit card or prepaid card

Bank of America reported that my payment was late it is posted on my credit report and it is causing creditors to deny me and reduce my credit limits and or close me accounts In accordance with the fair credit reporting act Bank of America has violated my rights 15 USC section 602 states I have the right to privacy 15 USC 1681 section 60 for a section 2 it also states that a consumer reporting agency can not furnish a account without my written instructions 15 USC one 660 a credit or may not thread a payment on a credit card account under any open End Consumer credit plan as late for purpose
Product: Mortgage

My husband is a XXXX XXXX XXXX XXXX  and we decided to refi our home from a conventional loan to a VA loan and take advantage of the low interest rates. We decided to go with Guaranteed Rate due to the LO. XXXX XXXX was exceptional! I noticed in XXXX when they paid the first County Tax installment that the taxes for impounds were not set up correctly. I called on XXXX and advised that XXXX things needed to be fixed. 1. I asked to have the annually tax amount updated to the correct amounts {$2600.00}. That the tax amounts they set the tax impounds up on were incorrect. They set the impound account up with {$4100.00} a year and the actually yearly impounds are {$2600.00}. 2. I asked for the overage in the impound account be refunded. 3. I asked that the monthly PITI payment be corrected as it should be reduced due to the taxes being less. In XXXX I received a refund check for {$750.00} for the overage for the taxes. As I stated my husband is XXXX XXXX XXXX XXXX and he was having some health issues so I dod not follow up again about not correcting the other 2 items. I saw in XXXX that they paid the next installment of taxes due and that they paid the correct amount of {$1300.00} but they still had not corrected the impound overage due to me of apron {$1500.00} nor had they adjusted the PITI payment or updated the actual tax amount. I called back in around XXXX and requested the three times be corrected. 1. I asked to have the annually tax amount updated to the correct amounts {$2600.00}. That the tax amounts they set the tax impounds up on were incorrect. They set the impound account up with {$4100.00} a year and the actually yearly impounds are {$2600.00}. 2. I asked for the overage in the impound account be refunded. 3. I asked that the monthly PITI payment be corrected as it should be reduced due to the taxes being less.I was told it would take up to 10 business days. I called in around XXXX and was given the run around. I advised I would be filling a CFPB Complain and put on along hold when the representative came back she advised me it would be XXXX business days. I logged back into my account after XXXX business days and can see that have changed the taxes to reflect the correct installment amounts but my escrow balance is still showing the overage and my PITI payment has not been lowered. I have been trying since XXXX to get this relieved its clear I can't do it on my own.
Product: Mortgage

On XX/XX/year>, I received a call from XXXX XXXX, Executive Relation of Chase, regarding my unapplied funds of {$24000.00}. He told me that I needed to pay {$130.00}. He also stated that once I paid this amount my account would be paid in full, but this did not happen. In addition, I found out from XXXX on XX/XX/year>, that XXXX never requested my funds to be applied to my mortgage. They both lied and my mortgage is not paid in full nor have my funds been returned with interest.
Product: Credit reporting or other personal consumer reports

In XXXX of 2024 made an initial dispute with this creditor over the amount of the loan {$2100.00} made {$2900.00} in payments made to satisfy the loan and now its reporting that there is a {$610.00} balance for a loan reported as collection/ charge off. The creditor falsely responded to my complaint stating loan amount {$2600.00} complete inaccuracy and intentional misrepresentation of the facts.
Product: Credit reporting or other personal consumer reports

Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ).

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. 

I am disputing the following negative items, which I strongly believe may be linked to a data breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A Revolving account Account name XXXX  Account number XXXX Date opened XX/XX/XXXX A Installment Account name XXXX Account number XXXX Date opened XX/XX/XXXX A installment Account name XXXX Account number XXXX Date opened XX/XX/XXXX Revolving account A Account name XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX INSTALLMENT ACCOUNT Account name XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Installment account XXXX Account number XXXX Date opened XX/XX/XXXX Overdraft / reserve checking account Account name XXXX  Account number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections, late payments and accounts appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX and XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Date : XXXX RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. 
Attn : EQUIFAX. 
You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX, Equifax, and XXXX report and furnished several inquirys without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. 
A person shall not use or obtain a consumer report for any purpose unless ; The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 
The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ).

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
I have not initiated any transaction with ( XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX AND XXXX XX/XX/XXXX is mine but it is two years old it should have fell off. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection. PLEASE DELETE THESE ERRONEOUS INQUIRIES I AM THE VICTIM OF IDENTITY THEFT. 
616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Specified Remedy : Please send payment Via Check Payable to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IL XXXX
Product: Debt collection

For over 3 months I have been receiving frequent calls from XXXX which internet searches reveal is coming from " Diversified Consultants '' debt collector. They do not leave any message, nor have they sent me any documentation to my mailing address. If they have my phone number, which I have never provided, they should have my mailing address as well. The calls I receive have been at all hours of the day, including weekends.
Product: Credit card or prepaid card

This is on a Bank of America Visa. Interest is charged after balances are paid off for multiple months. Payments are applied inappropriately to non-interest bearing balances instead of interest bearing balances to maximize interest charges. It's a complicated calculation with the combination, but interest never decreased when payments that equalled the previous month 's purchases were paid. If payments were short {$2.00}, interest was charged on all purchases, not just the portion that wasn't paid off. Multiple calls were made and a detailed calculation of how they got the interest each month were requested so I could audit it, and at one point the customer service representative laughed at me. At no point did they ever assist me in fully understanding the interest I was being charged. I decided to cut my losses and I have paid this card off except for non-interest bearing balances. I also stopped using this card with only a few missed charges going through in XXXX and XXXX. Auto pay is set up to pay the remaining balance each month. These auto payments are more than the couple of charges I accidentally made on this card, but somehow they managed to charge me interest for these. It was minimal, but should not have happened, at all, which leads me back to believing that they have been fraudulently charging interest on everything.