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

I am writing to formally register a complaint regarding the fraudulent items on my account. I have made several attempts to resolve this matter through your customer service department without success. 

Since then, I have contacted your customer service department and have spoken with various representatives. However, despite my efforts, the fraudulent charges have not been removed from my account. 

I have attached copies of the following documents to support my complaint : Copies of my statements highlighting the fraudulent charges. 
Any correspondence I had with your customer service department, including reference numbers. 
Any other relevant documentation, such as police reports or dispute forms, if applicable. 
I understand that resolving cases of fraud can be a complex process, but I request that you take immediate action to investigate and rectify these unauthorized charges. I insist on a prompt and thorough investigation into this matter, and I expect the fraudulent items to be removed from my account as soon as possible. 

Additionally, I kindly request that you provide me with a written confirmation of the resolution and the actions taken to address this issue. 

I trust that you will treat this matter with the urgency and seriousness it deserves and take immediate steps to rectify this situation. I am asking for your assistance to remove these fraud items in my credit 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 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
Product: Credit card

I applied XX/XX/year> for the Apple credit card knowing that my credit report is clear of any derogatory remarks or delinquent accounts or any sorts of that yet, my apples decline reason keeps stating that I have these on my credit report. Ive seen my report and no such thing is on my report. My credit score is XXXX as stated by them. As also stated by XXXX and also XXXX report is conflicting with the reasons that Apple keeps declining my application
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXXXXXX XXXX  Account Number XXXX In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX  Account Number XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It is also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried disputing these fraudulent inquiries with this agency multiple times and have repeatedly been told that the inquiries are accurate. Which they clearly are not. Ive never been provided proof of HOW these inquiries were validated or by who. Most importantly, I never applied for credit with ANY of these companies, nor do I recognize any inquiries. I never signed ANYTHING authorizing ANY of these companies to run my credit at any time. 

The unauthorized and fraudulent inquiries are as follows ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX XX/XX/2018, I opened a BMO Harris Smart Advantage checking account. I opened the account online, which stated that the relevant promotional code would be " automatically applied '' if I " applied online now ''. This wording still persists on their website : https : //www.bmoharris.comXXXX Per the terms of my promotion at that time, I was to receive a {$200.00} bonus after ( 1 ) making two direct deposits of {$500.00} or more within 90 days of opening the account, and ( 2 ) ten debit card transactions posting to the account within 90 days of opening the account.

I am eligible for the bonus : - Both of the two direct deposits of {$500.00} posted on XXXX XX/XX/2018. 
- All ten of the debit card transactions posted on XXXX XX/XX/2018. 
- 120 days have passed since opening the account. 

I have attempted to resolve this myself several times : - I spoke with a representative on Monday, XX/XX/2018. I was told to call back at the end of the week. 
- I spoke with a representative on Friday, XX/XX/2018. I was told to call back at the end of the week.

- I spoke with a representative on Monday, XX/XX/2018. I was told that the promotional code may not have been attached to my account. I told them that their website said it was automatically applied, but the representative insisted this did not matter. I was repeatedly asked for this automatically-attached promotional code ( which I eventually did find in an old email ). 

I was also told different terms for the bonus ( saying I needed {$600.00} direct deposits instead of {$500.00} ). I was told there was no qualifying activity on my account when this was clearly not true. In short, I felt like the representative was just saying whatever she could to get me to acquiesce. 

I have met the terms set forth in the opening promotion for this BMO Harris checking account, and as such I am eligible for the {$200.00} bonus. BMO Harris is engaging in deceptive business practices by refusing to honor their own terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

While looking at my XXXX report I saw that there were 10 addresses to XXXX Ohio. I have owned my home in XXXX Ohio since XX/XX/1993, I called to get it taken care of and XXXX told me there Is a WFDillards credit card account linked to this address against me. I told them it is not mine that I have never lived there and that they can look to see I put a fraud alert on my account. I cant get any help with resolving this issue. Where do I go from here?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX for mortgage related services XX/XX/XXXX I Called XXXX at XXXX Spoke to XXXX XXXX. I asked to speak to someone in their compliance department. He said before he did that he needed to know what the situation was regarding so he knows which part of compliance to send me to. 
I told him that privacy had been violated by the fax they sent with our full SSN. He said their process allows for information to be pulled exactly as it is shown on the credit report SSN and all. I told him that was a violation of my privacy as a fax was floating around my place of employment with private fully exposed. He said they did that to make sure information was getting pulled on the correct person and not mixed up with someone elses with a similar name. 
He asked for my name, which I gave him so he can look-up my file, I was on hold for maybe 4 minutes and he came back on the line to verify my address was XXXX XXXX XXXX. I agreed. 
I asked to speak to a compliance officer, he said that they will not even speak to me if I do not write a letter first, I asked for a name of someone and he refused. He asked me to email XXXX and provide them with my file number which is XXXX and mentioned a date of XX/XX/XXXX. He goes on to tell me if I wanted to dispute the credit inquiry to mention that in my letter. I told him I was not calling to dispute the credit inquiry, simply to advise someone of the violation and to speak to someone about what their policies were regarding Consumer Privacy, again he refused to disclose a name or provide me with the policy. 
One more time, I asked what their policy was regarding consumer privacy, he said there was not one. 
I then asked for his last name, and he said it was just the letter XXXX. 
Disclosing full SSNs and full account numbers is a violation of the Federal Trade Commissions ( FTC ) Consumer Protection Law. Once the FTC is made aware, the Commission may seek a court order requiring compliance. In addition, the Commission may commence suit in Federal https : //www.ftc.gov/about-ftc/what-we-do/enforcement-authority The Gramm-Leach-Bliley Act requires institutions to explain their information sharing practices to consumers and safeguard sensitive date That Act was also violated. 
The Right to Financial Privacy Act of 1978 ( RFPA ; codified at 12 U.S.C. ch. 35, 3401 et seq. ) is a United States federal law, Title XI of the Financial Institutions Regulatory and Interest Rate Control Act of 1978, that gives the customers of financial institutions the right to some level of privacy from government searches.
Product: Debt collection

Deed for my property XXXX XXXX XXXX, XXXX, VA XXXX ( property ID XXXX ) received on XX/XX/XXXX ( XXXX XXXX XXXX Equal Housing Lender NMLS ID XXXX Home Lending Officer-XXXX Virginia. XXXX, VA US effective XX/XX/XXXX. No escrow/financing is available for XXXX XXXX XXXX ). Deed for ownership of The Estate at XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX ( property ID XXXX ) Deed for price points earned with XXXX ( Product Development ) through XXXX. I have decided to use the third-party clearing agency, XXXX XXXX due to life insurance policies being used as collateral by XXXX XXXX XXXX. I would like to issue a lien for her estate in XXXX, VA until a payment is made. I would like to report an {$300.00} penalty for unauthorized use of deed. This document is for official business use only. I would like to associate the IRS link from XX/XX/XXXX with this document ( https : //www.irs.gov/businesses/small-businesses-self-employed/understanding-a-federal-tax-lien ). This link also traces to the First Quarter Income for XXXX dated XX/XX/XXXX in the amount of {$200.00} XXXX. My mortgage with XXXX XXXX has been overmodified. The reconciliations have been made. Please reference the IRS judgments issued on SEC report XXXX dated XX/XX/XXXX and the attached document of VHDA penalties for XXXX XXXX. I would like to adjust the judgments for XXXX XXXX, XXXX XXXX, and XXXX XXXX. All three parties will be responsible for a judgment in the amount of {$83000.00} that totals {$250000.00} for life securities fraud. Each party will be responsible for a yearly payment of {$2300.00} for the next three years. The payments are to be made monthly in the amount of {$190.00}. XXXX XXXX 's total judgment is a {$1.00} XXXX payment for the next three years. She is responsible for a yearly payment of {$500000.00} for the next two years. Payments are to be made monthly in the amount of {$41000.00}. XXXX XXXX is responsible for quarterly payments in the amount of {$560000.00} to XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX and XXXX XXXX ) until the {$3.00} XXXX balance is paid in full. All other judgments are as imposed. A quarterly audit will be imposed on XX/XX/XXXX.  There should be a discharge for all properties effective XX/XX/XXXX. There should be no lien on my properties. Insurance for all properties and entities are covered through XXXX XXXX. An amount of {$34000.00} should be left after closing costs that were computed and sent to the FDIC yesterday upon appraisal of my property XXXX XXXX XXXX, XXXX, VA XXXX.
Product: Checking or savings account

Money from social security XXXX claim benefits have been taken from my account transferred to another bank with out my authority. accounts transactions transfer of {$20000.00}. {$15000.00}. {$9.00}, XXXX and more all my XXXX  money from social security is missing. People bank thru XXXX  XXXX XXXX. I have statements and was never provided with all the information that I have tried to find.
Product: Checking or savings account

Good time of the day! 
In the beginning in XXXX in a mail I received an offer from Citizen bank to open a checking account. An offer condition stated that in 60 days after opening account and depositing amount over {$500.00} you will receive a bonus of {$300.00}. I included copy of the flyer for your review. Offer code : XXXX I opened an account over the phone on XX/XX/XXXX and transfer my pay checks on it. After 60 day I called to the Bank to check on a status and Representative XXXX told me that I will have my bonus deposit on XX/XX/XXXX. 
On XX/XX/XXXX I called to check on a status of the deposit and Representative XXXX informed me that I can expect deposit to be made to my account on XX/XX/XXXX. 
On XX/XX/XXXX I spoke to another Bank Representative ( unfortunately dont have a name ) and he told me that I will need to the end of the month of XXXX. 
On XX/XX/XXXX I spoke to two Managers in the Citizen bank XXXX and XXXX who said that my deposit will be will be on the account by the end of the week and if it is not happened my account will be credit for the bonus amount. NOTHING OF THIS PROMIS WAS DONE and then I received a phone call from XXXX ( bank Representative ) who informed me that my case STILL UNDER REVIEW!?!? She left me her phone number ; I called back and left a message asking to explain me WHY It is investigation and WHAT is the problem, but no one called me back!!! 
I spend so much time listening to fake promises! I am very disappointment and absolutely not happy with all procedure and service related to my case!
Product: Debt collection

best buy/ cbna is reporting on my credit report negative and i never had an account with them i have contacted them and they refuse to help me in the matter
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 : XXXXAccount number XXXX Account name : XXXX XXXXAccount XXXX Account name : XXXX XXXX/Account XXXX Account name : XXXX XXXX/Account XXXX Account name : XXXX XXXX/Account XXXX Account name : XXXX XXXX XXXX/Account XXXX Account name : XXXX XXXX/Account XXXX Account name : XXXX/Account XXXX Account name : XXXX/Account XXXX Account name : XXXX XXXX/Account XXXX Account name : XXXX XXXX/Account 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 II : It also states a consumer reporting agency can not furnish a Account without my written consent.

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 move 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 or other personal consumer reports

Navient student loan opened XX/XX/year>. Amount {$2100.00}. This was supposed to be under forbearance from XXXX but it was never documented as so and it was documented as late payment.
Product: Mortgage

JPMorgan Chase just purchased my mortgage on the secondary market. My mortgage payment jumped {$500.00} last month which I assumed was a few month issue due to increased property taxes. When I called to address this with them, they put me through to a specialist her response was that under federal law, they had, to hold two months worth of property tax escrow payments. What I figured out after an hour of research is that under federal law a mortgagee is allowed to require up to two months worth of escrow payments, as a balance in the account, plus {$50.00}. The reality is that when an inquiry comes, Chase is misleading their mortgagors into believing that it is required under federal law to keep two months worth of escrow as a cash balance in their account, with ZERO notice. It took me 30 minutes of cross examining this woman for her to admit this is not mandated by federal law, rather a chase policy that is allowed under federal law. I am a XXXX  so thankfully I have the tools to get to the bottom of it. My concern is that most people dont have the requisite knowledge to get to the bottom of it, and what they end up doing is likely paying a way higher mortgage +escrow payment ( mine increased by 33 % alone ), under the guise that federal law mandates this, rather than being able to opt out. This is at minimum a misleading policy by chase at at most fraudulent and hopefully it gets looked into. I have no problem paying an increased mortgage payment, thankfully. However, I imagine MANY people have been taken advantage of by this policy, and whats really concerning is those that have been taken advantage of who do not have the means to afford it. All the while, their money is sitting in an escrow account, earning zero interest. You can reach me on my cell phone at XXXX XXXX XXXX and I look forward to a phone call.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquires are XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX I - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX & XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX I - XX/XX/XXXX XXXX. XXXX XXXX I- XX/XX/XXXX XXXX. XXXX XXXX I - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX 2024
Product: Mortgage

A representative ( XXXX XXXX ) of my mortgage Company ( Wells Fargo ) took upon herself to deposit money into my mortgage account on XXXX/XXXX/XXXX without discussing anything with me ) as part of a presumptive close to an ongoing situation regarding the reporting of my mortgage to credit bureaus. She actually stated, " I 'm making a $??? adjustment to your principal balance to make this go away. '' When I informed her that there was still an outstanding offer on the table from the representative that reports to her, she stated that she would look into the existing offer and get back to me the following week. On XXXX/XXXX/XXXX without any notification from anyone at Wells Fargo, $??? was removed ( debited ) from my mortgage account. There was never a discussion of the credit nor debit of my mortgage account in the amount of $??? before the transactions were done. The $???? adjustment was a separate discussion from the initial offer as an attempt to resolve this issue. Wells Fargo should have never withdrawn monies from my account with discussing with me in advance. Wells Fargo presumed that depositing monies into my mortgage account thereby reducing my principal mortgage would " hush me up '' and make me " go away ''. It is very disappointing to see big banks push their customers around when the customers actually discover the bank 's mistakes on more than XXXX occasion.
Product: Credit reporting or other personal consumer reports

CARRINGTON mortgage did not apply any relief during Covid 19 or forbearance for 180 days. I lost my job XX/XX/XXXX as a Federal Civilian and was charged late fees for over 11 months and was forced to file for bankruptcy. They were contacted via phone for over 3 1/2 years to date and I finally received a payoff statement XX/XX/XXXX after reaching out to a FHA-HUD Investigator who is working on this serious case. 
CARRINGTON has also discredited my Credit Report with all 3 credit report companies ; which is also under investigation with my lawyer.

Without the options to relieve me financially during Covid, CARRINGTON mortgage continue to charge me late fees, ruined my credit and ignored my calls stating I was not in their data base system until I informed them I had legal representation & FHA-HUD investigation involved.
Product: Debt collection

XXXX XXXX XXXX XXXX put an invalid Collection entry on all 3 Credit Report Bureaus on XX/XX/XXXX. Now this matter in which they are trying to collect for is being handled through XXXX. The Judge in this case that collection of monies owed will be collected by the State of New Jersey and that was assigned in XX/XX/XXXX. XXXX XXXX filed charges on me and everything being handled in court. I received a letter from this Collection agency and took it to my probation officer and they told me that XXXX was n't suppose to do this as they are the ones collecting the funds. I then in turn called and spoke to the rep that is handling my account and told her that this is being handled through the court system and that my Probation Officer stated that they should not had put this on my credit report. She told me they had that right as XXXX hired them and that they were n't going to remove it at all. She also stated that they have n't received a cent and wanted my contact info for the court and I gave her my probation officer. This is n't fair in any way I am paying my monthly allotment for this and they went and retained someone else to come after me and ruin my credit. This is already being handled. I will attach the same copies of the payments that are being made. I now have a criminal record and now they are also trying and have successfully ruined my credit.
Product: Mortgage

I inherited this by my grandfather, the company is Caliber home loans. I am currently behind in my mortgage payments due to covid 19 and have denied every option I have chosen to being my mortgage current besides paying the amount XXXX in full by XXXX XXXX to avoid foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I have sent multiple letter trying to dispute the inaccurate and negative information thats being reporting to my experian credit report. Experian has refused to do a proper and thorough investigation. I have attached three of many letters thats been sent to experian.
Product: Debt collection

Ability services LLC is working with XXXX University creating falsified accounts and demanding payment. They're dragging their feet and try to stall consumer financial protection Bureau. I have documented proof that they are doing this it will be formed to the PDF of all below. Please read so you have a brighter picture
Product: Debt collection

On XX/XX/2020, I disputed this item with the Credit Reporting Agency that I owe {$360.00}. I have not resided in XXXX  for over two years. I currently reside in XXXX  and received a notification that my credit record had a collection beginning in XX/XX/2020. I never received any communication from this MEDICAL BUSINESS BUREA nor from XXXX about a medical bill. I have medical insurance and was only required to pay a copayment. I have a copy of all my medical records and there is no record of this debt being owed to XXXX XXXX XXXX.