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

In Accordance with the fair credit Reporting act XXXX Account # 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 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 an open end consumer credit plan late for any purpose.
Product: Credit reporting or other personal consumer reports

I Have identified information on my consumer reports that are a result of identity theft. I did not consent to, authorize nor benefit from the following inquiries. 
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 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 XXXXXX/XX/XXXX
Product: Checking or savings account

I deposited {$1500.00} in cash on XX/XX/XXXX at the local BMO banking branch. The atm had a problem and shut down before completing my transaction. It kept both my cash and my card. 

I called the XXXX number for BMO and filed a complaint. I also followed up on the following Monday at the branch. I was ignored every day that I called because of a communication and filing dispute between the branch and BMO at the XXXX number. It is a mess getting them to talk with eachother after they bought Bank of the West. Its unfortunate that they break regulations and mistreat customers during their banking expansion and purchase. Apparently the transaction wasn't sent or coded for the right review. 

On XX/XX/XXXX BMO told me they would keep my money for 45 days. I told them this was wrong after being a customer of theirs and Bank of the West with this account for a decade. 

I learned that this is a regulation E complaint and BMO broke the law. Every day they lie about the claim and hold my cash. I'd just like it back so I can move on with my life.

I learned about regulation E today after calling the police. BMO has now said it may be a regulation E claim and I was told to continue waiting 10 business days. I have already waited nearly 15 business days and this is surely enough money to be someone's rent or maybe groceries for a few months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to an apartment complex because i need to relocate. i received an adverse letter from XXXX due to negative reporting on my consumer credit report. I the consumer was never given an option by XXXX XXXX to opt-out of reporting nor was given the required disclosures explaining I had the choice to opt-out, therefore XXXX XXXX is in violation of 15 usc 6802 and 15 usc 1693l for waiving my consumer right in agreement.
Product: Credit reporting or other personal consumer reports

Hello I recently was given a copy of my background check that was obtained from an employer I recently applied to. And they are considering withdrawing my application for which I had already been offered the position to start in a few weeks, due to this inaccurate information listed on my background check. It states that I have a felony on my record, for which I do not. I already told them about the misdemeanor charge that I have had in 2018, to which was on there as well, but when I got charged for that then, it was XXXX counts of misdemeanor XXXX charges. Two of the same charge. But my background report says that I was charged with a misdemeanor and a felony both for the same charge, which is incorrect. I have proof of this documentation if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

I am a victim of fraud.
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 Account Number : XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX XXXX  Account Number : XXXX Account XXXX : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 XXXXXX/XX/XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax leaked my credit data despite the fact that I am not a customer of theirs- I would never use them if I had any say in the matter and now I am having to take special precautions to ensure my identity does not get stolen. And they knew about it for TWO MONTHS before they notified us.
Product: Checking or savings account

I made an atm deposit of XXXX on XX/XX/2021, I were told I would get my money back in 10 business days or credited, its now way over 10 days I haven't gotten my money nothing in the mail or my account this is crazy
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE.
Product: Credit card or prepaid card

I had a credit balance on my Bank of America ( BofA ) credit card ending XXXX in XX/XX/2021 and BofA representative told they would transfer XXXX of credit on the credit card to my checking account ending XXXX at that time. However, they sent XXXX of credit back the original payment account instead of my checking account without my authorization. The original payment account was closed ( from the bill pay service ), which I am not able to access. Now I have XXXX $ of credit in my credit card and I dont know where my credit is. I have contacted BofA serval times and spent hours in requesting the credit back to my credit card account XXXX in XXXX and XXXX. I have not received any progress and update to date yet. Therefore, I request BofA correct the error they made and return my credit into my credit card account.
Product: Checking or savings account

WELLS FARGO BANK THE TAKE OVER DEPARTMENT HAS LITERALLY TAKEN OVER MY ACCOUNT BECAUSE THEY BELIEVE IT IS NOT ME WHO CALLS EVERY SINGLE DAY AND REQUEST SOMEONE OF HIGHER AUTHORITY OR MANAGEMENT TO CALL ME. IT ALL STARTED WITH A BLOCK ON MY CARD OVER A MONTH IN A HALF AGO AT XXXX FOR XXXX DOLLARS AND CHANGE. I SPOKE WITH THE REP AND SHE HELPED ME AND XXXX HAVE THE TRASCATION GO THROUGH, I SHOWED MY ID TO THE CASHIER AT XXXX WITH THE REP FROM WELLS FARGO ON THE PHONE, THE TRASCATION WENT THROUGH AND EVERYTHING WAS FINE. 3 DAYS LATER I WAS NOT ABLE TO ACCESS MY ACCOUNT ONLINE OR USE MY ATM. I HAVE A XXXX XXXX AND XXXX XXXX AND I HAVE BEEN IN AND OUT OF THE HOSPITAL I AM NOT ABLE TO WALK AT ALL. I INFORMED THEM OF ALL THIS. THE MONEY IN MY ACCOUNT IS REPETATIVE FOR XXXX DELIVERIES, MEDICATIONS MY DAUGHTER BLESS HER HEART DEPOSITS A COUPLE OF HUNDREDS OF DOLLARS TO HELP. THANK GOODNESS I NEVER CHANGED MY SSI BENEFITS FROM XXXX TO WELLS IMAGINE I WOULD BE OUT IN THE STREET WITHOUT BEING ABLE TO PAY MY BILLS. THIS IS HARRASMENT AND ELDERLY ABUSE. I DONT WRITE CHECKS I DONT USE IT TO MAKE BIG PURCHASES ITS BASIC AND THE SAME OVER AND OVER. I VERIFIY THE INFORMATION OVER THE PHONE EVERY TIME AND THEY TELL ME STEP INTO A BRANCH OR CALL BACK 24 TO 48 HOURS AND SEE WHAT WE CAN DO. I HAVE REQUESTED SERVERAL TIMES AND I KNOW IT IS ALWSYS ON A RECOREDED LINE SO THERE IS PROOF THAT I HAVE REQEUSTED TO SPEAK TO HIGHER MANAGEMENT TO FIND A RESOLUTION. IT IS APPARENTLY OBVIOUS THAT THEY CAN CARE LESS THAT I USE THOSE FUNDS FOR BASIC HUMAN NEEDS AND THAT I HAVE HEALTH ISSUES THAT I AM NOT ABLE TO GO TO THE BRANCH. PLEASE HELP WITH THIS ISSUE I AM AN ELDERLY WOMAN WHO LIVES OFF THE HELP OF MY DAUGHTER FROM THAT ACCOUNT AND MY SSI BENESFITS AT XXXX. I ONLY WANT AT THIS POINT TO WITHDRAW MY FUNDS AND CLOSE THE ACCOUNT WITH WELLS AS THIS IS NOT THE TYPE OF BANKING INSTITUTION, I WANT TO HAVE THE LITTLE BIT OF FUNDS I RECEIVE FROM MY DAUGHTER. THANK YOU,
Product: Credit card

I opened a credit card account at Bust Buy ( Citi Bank ) in XXXX for a purchase that was later returned, resulting in a XXXX balance. In XXXX, I made another purchase in-store, although I never received a physical card or statement. I made XXXX payment in XXXX, XXXX in XXXX, and XXXX in XXXX. During this period, I still hadnt received a card or statement. While applying for a mortgage, I discovered my credit score had dropped significantly due to a 60-day XXXX XXXX reported by Citi Bank XXXX When I contacted them, they stated no payments had been received, so I followed their advice and stopped payments made through XXXX. Later, I received correspondence confirming those payments had in fact been received but were now disputed, and I would need to make additional payments. In XXXX, I spoke with a representative who acknowledged the mistake, credited back late fees, and assured me the issue would be sent for dispute resolution, which should be documented in their records. However, on XX/XX/XXXX, I received a letter stating they disagreed and would mark my credit file accordingly. This process caused my credit score to drop by XXXX points. Additionally, the account was inaccurately reported as closed by the consumer on XXXX separate occasions, further impacting my credit. As a result, I lost the opportunity to secure a mortgage at a reasonable interest rate and couldnt purchase a home for my mother to move closer to me. I have all the necessary documentation, which Best Buy and Citi Bank should also have, as they sent letters confirming these transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed a chapter XXXX bankruptcy several times XXXX, XXXX and XXXX XXXX to no avail. It is inaccurate but Equifax refuse to correct it or remove it.
Product: Credit card or prepaid card

To whom it may concern : On XX/XX/18 I received a phone call from ( XXXX ) State Farm Bank - asking to speak to my wife ( name ). I asked what this was about - I was told that they had received a credit card application from her and needed to speak to her. I asked when they received the application and I was told they received it the previous day. I told them that she had not applied for a card and that we did not want a card since she had been deceased for over two years. 

On XX/XX/18 I received a Visa credit card in my wife 's name. 

On XX/XX/18 I called State Farm Bank ( XXXX ) and spoke to a supervisor ( XXXXXXXX ). I advised her of the problem and that I wanted the card cancelled and a written statement from the company that it had been cancelled and that there would be no report to any credit agency. She advised me that they knew that it was a fraudulent application and that the card had been cancelled. She did not know why that the card had been sent anyway. She advised that I should receive the letter in 7-10 days. 

I can provide a copy of the credit card, account number, and date of expiration if necessary.
Product: Mortgage

On XX/XX/2023 I was notified by my business bank where I cashed a final escrow check for {$310.00} that they were deducting this amount from my account. I was paid the money at first but then notified that XXXX XXXX XXXX  did not honor it and that the amount paid was being deducted back from my account which did occur. I have called and emailed numerous times and was told a new check would be issued after I sent my bank statement showing the deduction did occur. They will not respond, and I have never been paid the {$310.00} that I was due upon closing out the mortgage with Fay servicing. 
Everyone blames a different department, and nothing gets down. Now that I have paid off m mortgage I get ignored and they hope that I go away and that they won't have to fulfill this small obligation. Worst customer service that I have ever dealt with as the pretend to want to help but never honor their word an obligation. When I was paying them 10 's of thousands of dollars a year they were responsive!!!
Product: Mortgage

I like the hard inquiries removed since I did not use any of the services. It takes years too remove and so hard to keep credit to a high standard. Especially when credit Is so valuable than cash. I hope you understand. 
Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, our vehicle was deferred for 2 months due to the covid pandemic and catching up on bills. We never received any 1. Paper bills. 2. Actual, live person calls ( they only used to send automated ), 3. Any email correspondence. Which is where my husband gets his bills. Nothing. They sent it to collections when a month wasnt paid. But when he logged into his account with the loan, it even showed his account in the " green '' meaning, he was all caught up, due to the deferral. No one tried to contact him or me. Apparently, due to his pay, he'd originally set up weekly payments to equal the total each month. ( He gets paid weekly ), EVEN THOUGH, once they sent this to collections, they finally tell us " oh we don't do weekly payments. Because the amount they set him up for, he was a bit short for the month. '' But it was THEIR REPRESENTATIVE who came up with the amount, approved it, and his loan was in covid-19 deferral. They also had incorrect phone numbers in their system ; and our old address from 6 months prior. Though, my husband had called to update. Flagship supervisor XXXX, said they'd take care of it, and if we dispute it. It should come off. It didnt. They STILL refused to drop it though our account is paid up, and it was in deferral, no bills or late notices were sent to any contacts, and our contact info was wrong.
Product: Checking or savings account

On XX/XX/2021 at approximately XXXX someone added themselves to my cashapp account gaining access to my bank account that was linked to the card. They then begin making several transactions up until approximately XXXX. I was unaware of the unauthorized transactions until I received a message. I contacted my bank and was instructed because it was {$1600.00} dollars pending that I needed to contact cashapp to dispute the transactions. I reached out to cashapp and was told that my account would be under review. The person withdrawal all my money from my bank account by sending and receiving transactions on my cashapp. Between {$5700.00} was declined and recieved. {$4000.00} dollars total was taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX also known as XXXX  acct # 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 To whom it may concern : I request more explanation on said reported account. I have not received proof of ownership of this debt including signed agreements ect. I am proceeding under the Fair Credit Reporting Act law. I have the right to challenge I am not sure is accurate. Reporting things on my credit file I did not agree to have reported or have not heard of.

Under 15 U.S.C Sec. 1681 I ( a ) you can not provide proof ( Proof being a signed agreement of the two parties to the debt ) then these accounts need to be deleted. That everything in that report must be 100 % correct or it should be deleted. please investigate the following account and remove them if proof is not obtained at a 100 % assurance of factual information.

15 U.S.C 1681 ( 3 ) E states ; 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 whom he is acquainted or who may have knowledge concerning any such items of information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer or from the consumer.

They also violated my rights numerous times.

According to U.S.C 1681 section 602 A states as I have the right to privacy this has been violated many times by this agency by this account I request they delete and remove it.

According to 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. Please send proof of my written instructions or delete the account from the report.

According to 15 U.S.C 1681 s-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. See the Also know as different names different accounts Cause for concern this account is not accurate and should be deleted and removed.
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. 

This accounts and Inquiries 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: Credit reporting or other personal consumer reports

I have released of lien from Santander yet still they will not take it off my credit report. I have only one lien on file with the Secretary of State are is the record XXXX XXXX XXXX XXXX
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. 

Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 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 reasonably cause to believe that the information is inaccurate. 
Inquires
Product: Credit card

I had a credit card with XXXX XXXX XXXX XXXX from XXXX until I closed the account in XX/XX/XXXX, after paying off the remaining balance in full. At the time, I requested that M & T immediately close the account. However, after the account was closed, XXXX XXXX XXXX charged me approximately {$2.00} in interest, which I was unaware of since the account was supposed to be closed. 

Because the account was no longer active, I did not receive any notifications or billing statements informing me of the interest charge or that payments were missing. It wasn't until I opened an Experian account almost a year later that I discovered my credit score had significantly dropped due to these charges, which had gone unpaid because I had no knowledge of them. 

Upon realizing this issue, I immediately paid the outstanding balance. I then contacted XXXX XXXX XXXX XXXX to request that the missed payments be removed from my credit report, as I was never informed of the charges, but my request was declined. 

I believe this situation is unfair and predatory, as I was not made aware of any balance after the account was closed, nor was I notified about missing payments. I have a strong payment history and have not missed payments on any other accounts, and this issue is now unnecessarily impacting my credit score. 

I am requesting that my credit report be updated to reflect that I was not delinquent in making payments on this account, and that the negative impact on my credit score be rectified. 

Thank you for your attention to this matter.