23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. I've contacted the FTC and my police dept. I'm doing this on my own behalf. XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX   XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. Inquires : XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX 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
Product: Checking or savings account

I opened a Premier checking account with BMO Harris on XX/XX/2021 through a promotional campaign BMO had on their website. The promotion was for a {$400.00} account opening bonus if the consumer completed the following conditions : a ) setup a direct deposit with BMO, b ) deposit {$7500.00} or more within 90 days. 

Despite meeting these conditions, I never received my account opening bonus. This XXXX, I called BMO Harris several times at XXXX to follow up. Each time I called, there was a 20 min wait to even get to a customer service rep. Even after getting to the rep, I was bounced around to various departments - everything from sales to servicing. After the third call, I finally got to an agent who could look into my file.

BMO claimed that when I went through their online application, the " promo code '' was not filled in. I explained to them that I applied through a promotion they ran directly on their website. I did not see any promo code requirement nor did I see a place to enter a promo code on their online application. Furthermore, I asked them even if there was a promo code, why wasn't it pre-populated on the form for the consumer especially when I applied through BMO 's promotion advertisement directly?

Finally, since this was their " Premier '' account, BMO charges a monthly service fee if the account balance is not at least {$25000.00}. I was actually charged these fees for several months because my balance was under {$25000.00}. 

I am filing this compliant because I feel BMO ran a very deceptive ad campaign. Given how messy this whole experience was, I suspect other consumers have also incurred financial loss.
Product: Debt collection

I would like to introduce myself as a citizen of Louisiana and contribute to the economy for many years. My Name is XXXX XXXX XXXX XXXX. I 've XXXX sons that resides in the state of Lousisiana, which are XXXX XXXX XXXX and XXXX XXXX. <P/>I was employed with XXXX XXXX XXXX for 29 1/2 years and a Federal Agency for 2 years. <P/>Both of my sons were employed as XXXX for the State of  Louisiana. <P/>However, after I resigned from a federal agency our credit was destroyed due to discrimination and harassment. <P/>Also, my family experienced several hate crimes in the State of  Louisiana. <P/>In addition, my bank accounts were seized and garnished. The banks are listed below : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dba XXXX XXXX XXXX. <P/>Today, I am contacting your office to assist with predatory loans with Chase Mortgage Company. <P/>Also, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX for damages to credit and property. <P/>In addition, overpayment for insurance premiums to XXXX/XXXX of Louisiana. <P/>I was assigned to the XXXX XXXX XXXX XXXX as a XXXX XXXX for 2 years. After reporting XXXX  harassment and malfeasance by co-workers the following issues occurred in calendar years XXXX, XXXX, XXXX, and XXXX. 1. Delayed and Loss of Medical Benefits and Annunity payments. 2. Damages to Real Estate and Rental Property : XXXX XXXX XXXX, XXXX XXXX, Louisiana and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Louisiana XXXX XXXX XXXX XXXX XXXX XXXX 3. Foreclosure of Property due to predatory loans. ( XXXX XXXX, XXXX represented Chase Mortgage Company ) 4. Loss of Wages 5. Life Threaten 6. Attacked by XXXX XXXX Police Department Please be advised I contat XXXX XXXX, XXXX XXXX for assistance via mail and XXXX XXXX never respond to my inquiry. <P/>Verification of theft and harassment were reported to the XXXX XXXX Sheriff Office and the XXXX XXXX Police Department. <P/>Files ( ROI reference file # XXXX ) and OPM CSA XXXX ) to investigate this matter. <P/>I reported identity theft during XXXX XXXX. For several months I attempted to work with the credit bureau to resolve this issue. <P/>Would your office assist XXXX XXXX to investigate these issues? Also, is there a form I need to complete for assistance with these issues? <P/>My mailing address is XXXX XXXX XXXX, XXXX, Louisiana and XXXX. Please reply with a answer. Thanks for your assistance in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX - XXXX and XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 


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

i do not have any car lone showed on my credit
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 XXXX 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: Money transfer, virtual currency, or money service

I was scammed by an advertisement from XXXX. The man sent me multiple emails and texts. We agreed upon rent and move in date. I sent him a deposit and first month and a half in rent then when I got to the place he discontinued his phone and no longer responded to my email. I reached out to my bank USAA to dispute this and they claimed there was nothing they could do.
Product: Vehicle loan or lease

On XX/XX/XXXX, our vehicle was deemed a total loss, and my insurance company confirmed this, and reached out to TD Auto with them providing a pay-off amount. The insurance company promptly sent this amount, yet the company is claiming additional fees and interest due to a lack of notification about the total loss. However, they were indeed informed three times about the total loss, and their pay-off quote is valid for 30 days. Despite this, they are not honoring their commitment. TD Auto also stated that the would back date the fees/interest if they received a total loss statment with the date of the loss but they are not honoring that as well. This situation is highly incorrect and needs to be resolved appropriately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  symptoms and was off work for 15 months on unpaid XXXX and XXXXXXXX XXXX I was only three months from paying off my XXXX XXXX XXXX which I had purchased new four years earlier and they refused to work with me and were trying to repo my car for the {$5000.00} balance so I had no other option than to go buy another car and finance the balance into the loan. I had XXXX XXXX in equity in my car so my new loan was only for XXXX XXXX with this balance rolled in, but I had intended to keep my car for many years as it only had XXXX miles on it when I traded it in, this caused me great hardship and they will answer for it to XXXX XXXX day, as I am a twice widowed mother with no help!! They were paid in full by XXXXXXXX XXXX and the car was never repossessed or written off if they did write it off to get a tax break after they were paid in full in XX/XX/XXXX you need to alert the IRS to the fact!! XXXX XXXX XXXX XXXX XXXX XXXX IRS XXXXXXXX XXXX XXXX XXXX so you can tell them I reported it to you!! They have refused to remove this comment as it allows them to make me look bad on my credit reports and they are revengeful, I also disputed it with Experian and they did NOT update it, so they also need to be fined for breaking the FCRA, they simply put the same remarks as prior and said it was verified and updated, which is a lie!!! Please enforce the laws and make them remove the lie that it was written off, it was paid in full so they can not claim a tax break on a debt that they then took the full amount for a few weeks later, that is also against the law!!! I also want a copy of my complaint shared with the FTC!! I want all of my credit reports corrected, then I want a corrected copy of my reports, all three from all credit bureaus, mailed to you and me both!! I do not want this complaint closed until all is completed and I let you know it is done!! I also want both XXXX XXXX and Experian fined for breaking the FDCPA and FCRA!!! Please enforce the laws!!
Product: Credit reporting or other personal consumer reports

I sent a letter on XXXX XXXX to remove this items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$1XXXX} XXXX XXXX XXXX Balance : {$XXXX} XXXX XXXX XXXX XXXX, NJ XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX OF NO XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized. 
Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's XXXX purposes requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

i notified, this is not my account, and they insist on collecting and sending me to jail, i ask for the copy of the application, and they don't send it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've made numerous attempts to reach out to Experian regarding the inaccurate information it continues to report to my credit file. Experian special handling doesn't answer the phone nor does it return voice mails. I've left at lest 5 different messages and received not one call back. I've submitted a police report and a fraud FTC report to support my ID theft claim. The following accounts need to be deleted due to ID THEFT. 1.XXXX  XXXX  XXXX XXXX XXXX 2.XXXX  XXXX XXXX ACCT # XXXX 3. XXXX XXXX   XXXX  ACCT # XXXX 4.XXXX  XXXX  ACCT # XXXX 5. US BKPT CT XXXX  CA CASE # XXXX So Experian doesn't make the excuse that I didn't do this dispute myself Im including a copy of my drivers license and Social Secuirty card along with a police report and fraud affidavit.
Product: Credit reporting or other personal consumer reports

Greetings, Im submitting a follow up complaint to you today to inform you again that I was the victim of identity theft. After visiting the FEDERAL TRADE COMMISSION website https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies and XXXX found out that you are required to investigate any items listed on an identity theft report # XXXX. Please find the ATTACHED documents to assist in the investigation of the account that is being posted to my reports. The account is the compilation of account that is not associated with me or have been initiated without my authorization, so now I am requesting that you remove this account from my credit file. XXXX  XXXX XXXX ( Original creditor : XXXX  ) XXXX Balance : {$350.00}.
Product: Student loan

AES has a " paid ahead '' program which automatically takes additional payment an applies it to future payments ( principle + interest ), instead of applying the additional payment to only principle. Unfortunately, if you pay online, they do not offer a way to indicate that you want your additional payment to go towards principle. I have called AES and they stated that there is not an option to indicate where you want additional funds to go to when you pay online. Further when you speak to them, they are misleading in trying to say that additional payments do go towards principle in the " paid ahead '' program. This is a half-truth. The paid ahead program still applies portions of extra payments to interest. Please beware if you are trying to pay down your principle, they will eat it up as mostly interest payments. ROBBERS!
Product: Payday loan, title loan, or personal loan

Back in XX/XX/2019, I was desperate for money so I took out a loan with Big Picture Loans for {$2000.00}. This is through a XXXX XXXX XXXX that charges extremely high-interest fees. Like over 346 % interest. I have made 13 payments of {$280.00} making a total of {$3700.00} so far. If payments were made to fulfill the loan it would total over {$7400.00} for a {$2000.00} Loan. This is crazy and I have found myself in a debt trap with no way out. These payments are deducted from my checking account every 2 weeks as I'm paid bi-weekly. I have already repaid them well over the principal amount borrowed and plan to block these automatic payments through my bank as I can't afford to continue being ripped off by this company. It was after desperation that I took this loan out in the first place and have since found out that these type loans are illegal in North Carolina.
Product: Credit card or prepaid card

If you think that American Express will help you when a business cheats, think again. I had an Amex card for decades but when I had a problem with a car rental overcharge earlier this year it was the merchant that Amex supported. The company was XXXX in XXXX. I had a confirmed reservation with a price of {$180.00}. That price included, itemized {$65.00} in fees and taxes. When I returned the car the XXXX agent claimed there was accident damage. That was not true and what he referred to was a loose panel under the front bumper. It was noted on the inspection slip when picking the car up. When the statement arrived XXXX had charged {$370.00}. I filed a dispute with Amex. Then contacted XXXX and XXXX claimed the additional was for fees and taxes. When I pointed out that of the original {$180.00} {$65.00} was already added for fees and taxes and that it would be absurd for a rental charge of {$110.00} to have fees and taxes totaling {$260.00}. This went back and forth over several months and Amex just supported XXXX. I decided it was simply not worth more of my time and gave up, but not before closing out my American Express account. All the details are posted at : http : XXXX XXXX XXXX XXXX   XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted Trans union more than once probably about 10 letters, last i call them which is very hard to get anyone to answer their number..i question about an indentity theft alerts i saw on my credit report at that time they told no such statement was there and they had removed it..today i received a post card saying they had place by my request..BIG LIE!! i contacted them via phone asking to remove an alert that was place with out my knowledge and permission as identity theft, i was told it was not there again, they had place an alert when i never requested to be put on, which they lied to me they told me it was nwever there, as well, they have refused to removed address that dont belong to me, i never lived on it.
Product: Student loan

MOHELA has not reported updated account balances to the bureaus since XX/XX/XXXXXXXX XXXX 

Reaching them by phone has been extremely difficult and I found, through backchannels ( XXXX ), their email address and attempted to create a written account of this correspondence. 

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX " Hello, I would like to inquire on the status of MOHELA 's credit reporting to the credit bureaus. 

My loans have not been reported to the bureaus since XXXX XXXX XXXX 

Please advise. '' I have yet to receive a follow up from MOHELA and would like to see my accounts reported regularly to the bureaus.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain 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 verified that these accounts are being reported correctly? Who verified these accounts? 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 verification 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 accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Your Company BRCLYSBANKDE is furnishing inaccurate and incorrect information to the consumer reporting agencies. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 

BRCLYSBANKDE XXXX
Product: Mortgage

Im facing foreclosure. I received a forbearance plan but I cant afford the monthly bill payment. Its XXXX dollars a month.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit XX/XX/year> I saw some inquiries that did not have permissible purpose. 

1. XXXX XXXX XXXX ) XX/XX/year> : this inquiry has no permissive purpose on my report. Delete this inquiry due to violation of XXXX5 US 1681B 2. ( XXXX XXXX XXXX XXXXXX/XX/year> : this inquiry has no permissive purpose on my report. Delete this inquiry due to violation of 15 US 1681B 3. ( XXXX XXXX XXXX XXXXXX/XX/year> : this inquiry has no permissive purpose on my report. Delete this inquiry due to violation of 15 US 1681B 4. ( XXXX XXXX XXXX ) XX/XX/year> : this inquiry has no permissive purpose on my report. Delete this inquiry due to violation of 15 US 1681B 5. XXXX XXXX XXXX XXXXXX/XX/year> : this inquiry has no permissive purpose on my report. Delete this inquiry due to violation of 15 US 1681B 6. ( XXXX XXXX XXXX XXXX XXXXXX/XX/year> : this inquiry has no permissive purpose on my report. Delete this inquiry due to violation of 15 US 1681B 7. ( XXXX XXXX ) XX/XX/year> : this inquiry has no permissive purpose on my report. Delete this inquiry due to violation of 15 US 1681B
Product: Mortgage

During XXXX XXXXXXXX starting XX/XX/year> I paid the Trustee over $ XXXX which in turn the Trustee paid Fay Servcing over $ XXXX. 

Fay has no record of ever receiving any monies from the Trustee. 

I have receipts on payments to the Trustee as well as the Trustee paying over $ XXXX to Fay. 

How do I get my $ XXXX back?
Product: Credit reporting, credit repair services, or other personal consumer reports

I started sending disputes to the three credit bureaus for incorrect negative information on my credit reports. I have not received any type of communication back from the credit bureaus. It is going on day XXXX and still no response. I have sent two separate disputes with no answer back. I sent the first round on XX/XX/2021 and the second round of disputes on XX/XX/2021 but still no response.