23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had a perfect standing account with my BMO credit card. I paid in FULL and on time each month. Then I requested my cashback rewards and they closed my account without notice or reason. I called 4 different numbers to contact BMO which all employees stated they can't see that information as to why my credit card was closed, but they did do their written spiel about how BMO has the right to close any account at any time for any reason. That is fine, I don't really need the card. BUT BMO must tell an account holder what decision they chose to make that decision to close a customers account. It's not even company protocol for any company to deny a customer a service without a reason. Just state the reason. As it stands right now on line on multiple platforms, peoples accounts were closed as soon as they asked for their cash back rewards. So, I am assuming that is the reason due to the thousands of reports on this topic. But still, BMO must state to its customers why they choose to close someone's account, especially when they had a perfect record of paying in full and on time. When I tried to get this answer through the XX/XX/XXXX, BMO even refused to answer the XX/XX/XXXXon this issue. It's a black eye on BMO and lots of content creators are reporting this, which is good for the public to know not to do business with them. I am just requesting a reason, nothing more. Just give me a legit reason. I believe that is my right. Here are a few suggested reasons on line as to why they are doing this to multiple good standing customers : BMO has been closing customer accounts without providing clear reasons, which has affected customers who have been using their cash back credit cards. Users have reported that their accounts were closed with no prior notice or explanation, despite having good credit scores and maintaining their accounts responsibly as soon as they requested their cash back rewards. 
Some customers suspect that the closures might be due to internal financial issues or changes in business strategy. Others speculated about political motivations, particularly in light of tensions between XXXX and the United States. 
If you are experiencing similar issues, it may be helpful to document all communications with BMO and consider seeking assistance from consumer protection agencies or legal advice.
Product: Credit reporting or other personal consumer reports

I'm not liable for the debt with XXXX XXXX XXXX XXXX. I do not have a contract with ProCollect , Inc . The did not provide me with original contract that I requested.
Product: Checking or savings account

I already have a case open with Chase in regards to a few transactions that I disputed and I have been working with a representative named XXXX in the executive office but yet chase has been constantly harassing and annoying me with collections calls from their recovery team. I asked for them to please get in contact with XXXX so they can be on the same page because they are calling me about an issue I have a claim open on. I was transferred to XXXX XXXX who then told me my account is scheduled to be closed on XX/XX/2021. She also told me she doesn't have to tell me when she goes in and does anything to my account. It's concerning to me because my account has all my personal information on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Checking or savings account

I was charged a XXXX XXXX  monthly service fee starting XX/XX/XXXX. In XX/XX/XXXX, XXXX months of service fee was automatically refunded without any intervention, REFUND XXXX FEE ASSESSED IN ERROR. The account in question is Wells Fargo Goal Savings. 

Wells Fargo continued to charge $ 5 monthly service fee since then, for a total of 7 months worth. I was not aware of this fee. I received no notification. My account balance has been stable ( < {$300.00} ) since XXXX. I was not charged any service fee prior to XX/XX/XXXX. There was no change to the type of saving or checking accounts. In addition, in the XX/XX/XXXX statement I received, it clearly stated that The fee is waived this fee period because the account is linked to your eligible checking account. Please attached screenshot. This is shady business practice of sneaking in service fee without any notice, I escalated this to Wells Fargo ( case number XXXX ). I was told it will take XXXX business days to review. There is no way to immediately refund the fees. 

I would like a refund of all service fees that was charged ( total of {$35.00} ) as soon as possible. Once the service fee came to my attention, I immediately transferred additional funds to the saving account in question to satisfy the fee waiver.
Product: Credit reporting or other personal consumer reports

These Consumer Reporting Agencies have continued to defame my character, as well as with their continued identity theft since I have never given written authorization to share any of my personal information, including BANKRUPTCY to any third party entities. This reporting has caused grave harm not only to my character, by causing humiliation, stress, XXXX XXXX, problems in my marriage, and paying higher interest rates for insurance, etc. According to the XXXX XXXX XXXX XXXX XXXX  XXXX- they do not report bankruptcies to any consumer reporting agencies and the information is only available in XXXX. So these unscrupulous consumer reporting agencies go digging for consumer 's private information just to sell for a profit off of our misfortunes and hardships, just to keep us a slave to subprime higher interest lending tactics. When I call to have something resolved they act like they can not verify me, and YET they see the information on their end, and they continue to send documents to my home address. THIS IS UNACCEPTABLE. I have pointed out discrepancies across all XXXX CRA 's ( INFORMATION IS ATTACHED ) and YET nothing has been done! XXXX is not reporting a Bankruptcy, XXXX and Equifax reporting dates, closing dates, reference number, and name of the court does not match across the board ( I HAVE ATTACHED PROOF ) I DO NOT consent to updating ( you've already stated it was verified and STILL ALL XXXX REPORTING INACCUATELY ) I REQUEST BLOCK/DELETION. No record of this bankruptcy is to be added back ever again. I request that it be removed within the next XXXX business days, and send me an updated consumer report after deleting said bankruptcy. I will SUE IF YOU DO NOT ABIDE BY THE FCRA!
Product: Credit reporting or other personal consumer reports

Victim of ID theft for past few years and have been battling to restore my name. I have filed Ftc reports and police reports ADDRESS : XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ACOUNTS : XXXX XXXX Account number XXXX {$50.00} XXXX XXXX  Account Number XXXX {$1500.00} XXXXXXXX XXXX Account Number XXXX {$89.00} XXXX XXXX  {$130.00} XXXX Account number XXXX {$800.00} XXXXXXXX XXXX Account number XXXX {$8500.00} ( reinsertion ) XXXX XXXX Account number XXXX {$980.00} XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX {$1400.00} XXXX Account number XXXX {$350.00}, XXXX XXXX Account number XXXX {$1100.00} and XXXX {$0.00} XXXX XXXXXXXX Account number XXXX {$1100.00} XXXX XXXX XXXX Account number XXXX {$0.00} ( reinsert ) This was not sent in error, not a material misrepresentation, and If you feel I obtained goods or services please have a senior executive from your company certify under the penalty of perjury that i received goods or services.
Product: Checking or savings account

td bank in XXXX XXXX florida, i have an antique auction and need access to cash for purchases, and usually in a hurry, they will NOT let me cash a check over several thousand without 24 hour notice, is this allowed that i cannot get access to my own MONEY$$
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX ( XXXX XXXX ) in the amount of {$2600.00}. This debt was removed two months ago, due to inaccuracy and failed to properly prove this alledged debt that does not belong to me. The alleged debt is showing back on my report via XXXX XXXX after it was once already removed.
Product: Debt collection

Received a phone call and the lady ended up leaving a voicemail since I was working at the time. In the voice mail she identified herself and then immediately said she was from Navient. This was the first violation of fair debt collection practices act as I did n't request her to identify her employer, section XXXX item 1 ) ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer. She then goes on to say she 's trying to get in contact with my cousin or uncle, so this is their debt not mine. She then ask me to pass along a message to either one of them that Navient is trying to reach them. Not only is this harassing and abusive to ask me and my other family members to pass along a message but it is in clear violation of the fair debt collection act. In particular it is a violation of section XXXX item b " COMMUNICATION WITH THIRD PARTIES. Except as provided in section XXXX, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than a consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. '' By asking me to pass along a message they are communicating with me in the collection of the debt. 

Further as this was in a voicemail that was left and not during a conversation it leads me to believe that the message left was a script supplied to the lady that called from her employer Navient. Being that Navient is a large supplier of loans one would assume that they are in full knowledge of their violation and chose to ignore the Fair Debt Collections act
Product: Credit reporting or other personal consumer reports

I am writing to you regarding the account identified as XXXX, which was charged-off or placed in collections on XX/XX/year>. After reviewing this account, I believe there may be grounds for removal of this derogatory item from my credit report. 

I am fully committed to resolving this matter. I have since improved my financial management and overall situation, ensuring reliability and proactively handling my current obligations. Given my improved status, I am hoping to negotiate a good will request for the removal of this negative listing from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX and XXXX both let me know that Experion business was reporting the wrong address for my business. They told me in order for them to correct their reporting error. I would have to purchase their business credit report for {$40.00} then put in writing a request that it's incorrect. I should not have to spend my money to buy a product from them in order for them to correct their error. That is very unethical. 
My correct address for is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX
Product: Vehicle loan or lease

On XX/XX/2019, I was in a car accident. I reported the accident to my insurance Co and the finance company XXXX.. My car was totaled and covered by gap insurance and XXXX XXXX XXXX XXXX is reporting this account as a charge off with a balance due and reporting as late payment and it wasn't late. Please update and remove. This is reporting on all 3 Credit Bureau.
Product: Mortgage

Good afternoon. We're reaching out to you in the hopes that you will assist us with reinstating our loan with PennyMac Loan Servicing. 

We fell behind on our mortgage payments due to Medical hardship and are currently eight months behind. We decided to withdraw the reinstatement amount from our 401k a month ago and requested the reinstatement figures from PennyMac and their representatives XXXX XXXX on XX/XX/XXXX Wihout those numbers, XXXX XXXX XXXX will not release any funds. We finally received the payoff quote yesterday, the XXXX and we've been trying all day today to obtain account and routing number information from PennyMac, in order to make this payment. 

So far, we've called four times and have spent a total of almost two hours on hold. We've also called their representatives XXXX XXXX and been put on hold, only to be listening to the same music as the music that PennyMac has. It's clear that these two organizations are under each other 's umbrellas and are working in coordination to make it as difficult as possible for us to reinstate our loan. 

This is an emergency and a very urgent matter - our sale date is XX/XX/XXXX, worse than that - the payoff quote that they provided is only good through the end of XXXX. Please reach out to me at your earliest convenience. 

Thank you!
Product: Credit reporting or other personal consumer reports

Ive just obtained a copy of my credit report, and found the following to be errors. 

XXXX ) XXXX XXXX XXXX Acct # XXXX I DO NOT have. Contract with this company. 

Under 15 US Code 1681 C-2, Block of Information, it states me as the CONSUMER deem any account inaccurate, that account needs to be BLOCKED and REMOVED within 4 days of dispute. Also, letters have been stated that this was verified and under 15 US Code 1681i, states to follow a set of procedures to dispute accuracy.

Please DELETE the prior collection as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX XXXX {$13000.00} This account is being reported without accuracy and consistency. 

For example payment history for XX/XX/XXXX are consistent XX/XX/XXXX, XX/XX/XXXX, skips XX/XX/XXXX, reports for XX/XX/XXXX through XX/XX/XXXX. however then goes to a 30-120 days late for XX/XX/XXXX and XX/XX/XXXX. My calculations for XX/XX/XXXX until XX/XX/XXXX is only one month apart so how is that 90-120 days late? 

Then report for XX/XX/XXXX but skips again XX/XX/XXXX - XX/XX/XXXX. Returns only a report for XX/XX/XXXX I have been in deferment since I graduated. I dont understand the inconsistency in this reporting system but it is causing issues on my credit and holding me back from buying my house. 

I have called and expressed to a rep that I graduated in XX/XX/XXXX however she advised me they didn't get the record updates until XX/XX/XXXX. 


XXXX/XXXX XXXX {$18000.00} This is a duplicate account with different amount number and reporting information please delete it from my file or send promissory note confirming is duplication of payments received.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several hard inquiries that I DID not authorize. I've also contacted the companies and the bureaus. I sent letters and did online disputes with NO RESOLUTION. 

Here are the one inquiries that I did NOT authorize : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX Institution Information  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Institution Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank Institution Information XXXX  XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX ) XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX Bank ( XXXX XXXX XXXX Institution Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Product: Debt collection

Apparently this is a transfer of ownership from Advance Financial. I don't know either of these companies and have never done business with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to all 3 Bureaus XXXX, Equifax, and XXXX in regards to accounts and inquiries that wasnt mine, that I had not auhtorized, I spoke with a lady who told me she would remove the inquiries at XXXX  by the name of XXXX we went thru the list together and there is nothing done, Ive disputed these accounts to all the bureaus cnothing is being done, you have all these bills on my account tied to addresses i NEVER even lived at, I want something done with this, its not fair that people can just use your information when they feel like it and do what they want with it. I want these accounts and inquiries removed. I filed all reports that needed to be filed. There are 4 collections accounts : XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. I would liked to get this resolved in a timely fashion.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After working diligently with Penny Mac, I was finally approved for a special forbearance in XX/XX/2023. They told me it would be retroactive and cover XXXX through XX/XX/2023. However, upon checking my credit report, it is not and my report shows I am behind on my loan despite their being a special forbearance. Today ( XX/XX/2023 ) I received a letter from Penny Mac stating they were removing me from my special forbearance plan for default of payment and " breach. '' When I called Penny Mac I spoke with a woman named XXXX who works in the escalation department. She told me that I was removed from my plan because I had not had a " monthly check in. '' She stated that they had tried to contact me and that my phone had been disconnected although it has not been. I even stated such and told her that if she looked at her caller ID it would show the number they have on record. When I asked her what number they called from as I was looking at my phone bill, she refused to give me that information as well. She then stated they had tried to call me on two other numbers, one of which was an old personal number, and one that was a previous employer from four years ago. I explained to her that I had not received any phone calls or emails from Penny Mac stating they were trying to contact me despite them having my current information. She told me that she would help me get back on the forbearance plan but that I would have to fill out the application yet again. I then asked her for her last name, and she told me she would not give me that information. I explained to her that I needed to know her name so that I could reference our phone call in the future or that I may need to contact her again. She again became hostile and stated she would not give me that information. When I told her that I knew she was being deceptive as I have talked to others who provided that information and began stating names of people in her department she said " fine '' and hung up on me. She did not help me through the forbearance paperwork nor did she send me a link to the forbearance paperwork in my email like she stated she would. I believe that Penny Mac is being predatory as they know I am injured and had to have major XXXX in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, DOB XX/XX/XXXX and last four of social security number XXXX. On XX/XX/2019 I contacted company " XXXX XXXX '' to purchase a vehicle. I wanted to see if I would pre-approve for a car loan with one of their creditors, same way I pre-approved with my bank and employer XXXX through their " credit tailor '', an app which sees if you pre-qualify without affecting your credit nor pulling a hard inquiry. However, I ended up going with my credit union XXXX XXXX XXXX XXXX because they provided the best rate and lowest interest rate. It was not until I received notification alerts to my email via XXXX and XXXX XXXX that I learned that instead of pre-approvals or soft credit inquiries I received hard inquiries. Subsequently, I reached out to the banks that performed the hard inquiry to request that they remove or convert to a soft inquiry because I did not authorize or consent to a hard inquiry and they stated that I would need to send a letter from XXXX XXXX as well as a letter from myself requesting that the hard inquiries be removed. I sent out both letters first class certified mail to the banks, credit unions and credit bureaus on XX/XX/2019 and XX/XX/2019 and I'm being met with opposition. XXXX XXXX XXXX XXXX XXXX XXXX in particular sent me back a nasty letter, stating that my letter implied " erroneously '' obtaining my credit report, although I sent them a letter from XXXX XXXX. If that's the tone of their letters to potential clients I can't imagine their actual customers, disgusting. XXXX XXXX XXXX XXXX also sent me a letter and stated that I claimed I was a victim of identity theft of fraud, which I never claimed to them, nor have I ever claimed in regards to these inquiries. CoreLogic aka Credco is dragging their feet and not offering any update or response ever since I sent them information. On the letter from XXXX XXXX it lists all the banks/credit unions that performed a hard inquiry.
Product: Debt collection

On XX/XX/18 XXXX and XXXX XXXX received a phone call from a representative of a collection agent stating I XXXX XXXX am 18 months behind in payments therefore they must collect {$20000.00} from Mr and Mrs XXXX immediately. I have not received any correspondence from any company. Upon calling the number provided to me by my parents of XXXX I immediately got a voicemail stating I had reached Transworld Systems Inc. the voicemail requested acct number, name and social security number. The representative who called my parents threatened to continue calling them until they receive the full amount via wire transfer. The rep was advised of medical concerns of the elderly parents and they stated they would continue to call. I do not know who they are representing or what is owed