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

I inquired about the possibility of closing a business checking account I recently opened at BMO bank XXXX, California branch, the next day, the branch manager at BMO bank went into my personal and business accounts to alter my telephone number ( change XXXX digit on my cell number and change the area code of my business number ) AND change my email address ( deleting one letter from the address. ) I believe the intention was to block me from receiving information of my accounts. I also received notifications of log-in attempts from unregistered device caused my on-line log in been locked up. Her actions were confirmed by BMO customer service with her digital footprints. I have not initiated, requested nor authorized these changes. 

I expressed my concerns about this bad actor having access to my PII and requested to escalate this case to protect myself, I was promised to receive manager 's outreach call the next business day, but no one contact me for the first XXXX hours of the next business day. I called into BMO 's fraud reporting department and was told to sit on my hands to wait for their call. I was told there's nothing I could request or do as a victim and as a customer. when I requested to speak to a supervisor, I was told there's no supervisor will talk to me. the person on the phone said he is the highest position I could talk to. 

in addition, after the initial discovery, an unknow payment was done form my account to a credit card company without card number, the result brings the account to negative balance. I filed for dispute with the bank, I do not have more details of this transaction. The bank couldn't provide digital footprint this time. I do not know the safety of my XXXX XXXX.
Product: Debt collection

I'm disputing these three accounts. One for {$260.00}, {$40.00} and {$40.00}. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. These are medical and they have not sent me qnything. They are in violation of Hippa laws. They have not sent me any of the proof I'm asking for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally *Signed copy of HIPPA form They are saying it is verified but where's my proof? What methods are you using to verify?
Product: Checking or savings account

In order to pay the rent as usual I wrote a check for the landlord, but this time I had to do it more than a week in advance because of a vacation leave. Since I did not have enough fundings at that moment in my account I wrote the check putting a date of the future, the date on the check was XX/XX/XXXX ; since the first day of every month is when I usually pay the rent. I told the personnel of the main office in charge of the renting not to cash the check before that date put on it, but they forgot, they are several people there and they are in charge of many apartments. They tried to deposit the check on XX/XX/XXXX ; and there were not enough fundings yet, the Wells Fargo charged me with {$35.00} because the lack of fundings. 

I think that the bank before trying to cash the check they have to verify that the date is a valid one, a current one or a date in the past. It is very common that in the case of inconsistencies they do not want to cash the checks, like in the case when the quantity in letters is a mismatch from the quantity in numbers, or in the case of a misspelling in the name of the beneficiary, or when it is a problem with the signature, or if the check has not been properly endorsed, etc. 

Also in the case of old checks, six months or older, it is common to have issues from the banks when a person is trying to cash those. Then, likewise the bank should not be cashing checks with dates set on the future. 

So, I do not agree with Wells Fargo charging me {$35.00} dollars arguing that my account did not have enough fundings when the check was tried to be cashed before the date given on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

These credit breaks are reporting fraudulent information on my credit report 1. XXXX XXXX has a payment agreement of XXXX $ per month 2 XXXX is not mine 3.XXXX is not mine 4 XXXX XXXX is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX CA XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MI XXXXXXXX XXXX XXXX XXXX Balance XXXX {$570.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX : {$1000.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$1900.00} ; XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is a debt with XXXX XXXX. I co-signed for a vehicle for my daughter in XXXX and XXXX is still contacting me regarding this debt. My daughter surrendered the vehicle around XX/XX/XXXX and they are still continuing to call my phone repeatedly. I spoke with them around XXXX and told them to contact my daughter. They are calling my phone at least 4 times a day. The debt is so old, it shows on neither my daughter 's or my credit report. 

Your assistance with this issue is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was fraud, see police report. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX show negative comments from victim of identity theft/Fraud, etc. Including each bureaus i.e. XXXX XXXX, Equifax, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pertaining to complaint id XXXX with Experian the case is still open, and there has not been any response in the CFPB portal within the said XXXX days from Experian since the case was opened which results to a violation.
Product: Student loan

This is my second complaint with Georgia Student Finance. This time I am filing a complaint because the school XXXX XXXX closed down back in 2019. I was misled into believing that I would have gainful employment after completing the degree program. I was forced into signing that Master Promissory Note. 

I do have an active borrower 's defense application with the Department of Education. They have not made a ruling as of yet XXXX ( application number ) Can provide a copy of the application that was in fact for the former school, XXXXXXXX XXXX. 

While the Lender has my signature and I disputed the debt before as not valid, to me, I believe the contract should not be enforced. Because I was like many other students forced to take out extremely expensive loans. 

I also informed the organization that I am no longer in the state of Georgia and had no choice but to move because I had not gained employment. This is what I was promised when I enrolled in the program. 

I have tried to work with this agency but they are not willing to work with my at all and left me no choice but to filed another complaint with the cfpb.
Product: Credit reporting or other personal consumer reports

I called XXXX, to remove this unverifiable and inaccurate information per the FCRA. 
The representative asked me 2 each question to verify myself which i complied but after the second request, i said why u want my email address, it's not reporting on my file?

We get in my account ironically and i say these accounts need to be removed because these are unverified. she said i need to write a paper to send to them. I said where in the law or policy does it say that and send me a copy so i can comply. Me the living woman am doing what is required of me, which is to call verify myself and get this removed. Now XXXX already removed them, and admitted they gave companies permission WITHOUT my consent to look at my credit report and offer me deals, that i always get denied for. Its not fair, its an invasion of privacy, this goes against the FCRA, PRIVACY ACT, and many other laws made to protect me. 
The rep argued back and forth i said let me speak to a supervisor. They transferred me to the supervisor on XX/XX/year> @ XXXX XXXX XXXX time. and they hung up on me. 
they can not negatively report on my account and get away with it. 

I am seriously harmed non physically by XXXX, because they could have easily removed it like XXXX did, instead they left it on my report and i get denied for almost everything. since they both ( all credit reporting agencies ) give permission for companies to look at my file without my ORAL/WRITTEN CONSENT. 
I need to be COMPENSATED.
Product: Credit card or prepaid card

Dear CFPB, XXXX XXXX charged {$10000.00} to the Citibank Visa for attorney fees he sought from Attorney XXXX XXXX. Prior to this XXXX told me that he did not have a citi credit card in my name. Once I saw my statement my attorney alerted XXXX XXXXXXXX XXXX law firm of the charge. It was {$10000.00} for a retainer of which at that date of notice to XXXX XXXXXXXX XXXX firm {$1800.00} had been delivered in services to XXXX XXXX. I also notified Citi bank and also the FTC of identity theft as XXXX XXXX impersonated me on a security website day 's prior to this event. XXXX XXXX did not reverse any charges. Citi Bank also did not reverse any charges. I have copy of the identity theft report as well as the notice sent to XXXX XXXXXXXX XXXX law firm from my attorney.
Product: Checking or savings account

I appear to be a victim of identity theft. Somone else has been taking money from my Wells Fargo Bank checking account in Florida. The bank eventually gives me my money back but in the meantime the account has been locked to me. I can not use the ATM machines and I must go to the bank in person to get money out of my account. There was a hurricane in Florida several months ago and since my house is unlivable I have left the area. I am currently visiting friends and relatives in New York and Massachusetts where there very few Wells Fargo Banks. There is also an issue with my Wells Fargo credit card which may also be used. Please help. I do not have a lot of information as I left Florida without any information on my banking problems.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is a fraud. They will steal your money and fake anything. They will hang up on you. Ignore your calls and be argumentative. Theyre now using my credit report improperly, checking accounts are not allowed to be reported to XXXX or XXXX
Product: Debt collection

I have made several disputes to Experian, and through Experian to the XXXX  debt collectors to remove the accounts from my report. They have refused to do so and verified they should be there, despite there being a medical debt ban from being included on my credit report. Im reporting their willful noncompliance to remove the accounts for the following : XXXXXXXX XXXX XXXX, account number XXXX opened XX/XX/year>, XXXX XXXX XXXX, account number XXXX opened XX/XX/year>, and XXXX XXXX XXXXXXXX account number XXXX opened XX/XX/year>. Ive requested for them to immediately remove all medical debt entries associated with accounts listed above, and provide me with written confirmation that these entries have been deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022 but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

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 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
Product: Credit card

I called Chase to talk to a representative about doing a transfer balance. Chase was offering a 0 % APR for 15 months and I had a large credit card balance that I wanted to transfer. This was a way for me to pay a lower interest on the balance that I carry and to make some headway to pay off the balance. After speaking the representative, I chose the XXXX application and applied. However, after I entered my transfer balance and got my account line information, it was much less than the amount that I wanted to cover. I have over {$13000.00} in credit card debt and paying a large interest charge each month. I feel deceived by the Chase website because it did not make it clear that my full balance amount that I wanted to transfer would not be eligible for transfer. I was only offered a {$1800.00} account line, which is much less than what I need to pay off the balance. I even called XXXX ( the credit card company that carries the {$13000.00} ) balance for assistance to help pay off the balance, but they would not offer me a lower interest. In the case of Chase, I feel that they should put a larger disclaimer so that future customers such as myself are n't fooled into thinking that their full balance will be opened to allow them to take advantage of the offer.
Product: Credit card

I was issued a card from Capital One. I used the card ONE TIME for a {$40.00} purchase of gasoline. After that the card was put on a fraud block. I called four times to clear the erroneous block. Capital One would not even speak to me without my ( 1 ) providing copious amounts of written personal information including information about my brother who had nothing to do with my account ; or ( 2 ) going to a local bank and enlisting the help of someone there to prove my identity. All of this seemed like a phishing scam. Since I could not use the card, I paid the amount due and cancelled the account. ( I actually paid more than the {$40.00} that I charged for gasoline since my assistant included at least part of the annual fee in the check that was sent to Capital One. ) Since that time, I have received monthly bills for late fees, interest and an annual fee. I paid for what I bought, I own no late fees, interest and an annual fee ( since I cancelled the account within the time period allowed for cancellation without an annual fee ).
Product: Money transfer, virtual currency, or money service

On the morning of XX/XX/XXXX I sent XXXX dollars to a Cash App user $ XXXX mistakenly. I meant to send it to $ XXXX and I did send it again to the correct person a few minutes later. Clearly the similarities in the names is what caused the confusion but I immediately let Cash App know about my mistake and they asked a few questions but actually never did anything about it. They said I had to send a refund request to the user who got my money even though this person is a stranger and basically I had to wait for them. This did not sit well with me and I heard from them again when they said they wouldn't do anything else. I read their Terms of Service and this person has 15 days to claim the funds so on the XXXX day I reminded them of that and within minutes I now had a REFUND denied message from the user that got my money. I sent them a cash request for the XXXX dollars with a note saying I sent it by accident and it has been ignored. 
Cash Apps Terms of Service Part V Peer to Peer Payments, Section XXXX Invalid XXXX Payments gives them total permission to reverse this payment and return my funds but they have not. I can not afford to lose XXXX dollars. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus are reporting and have reported 38 say late payment on one of our XXXX account.

Due to extreme high interest rates and our retirement income low, we consolidated our 3 large credit card debts in to a reasonable payment with year payoff of the {$30000.00} debt. 

Credit card companies, without cause of anything we have done, elected again to put rate up to 25 %. With a FICO score of XXXX, and local bureaus score of XXXX, we have earned rates under 6 %. Without cause these three cards 2 XXXX XXXX, and one XXXX went from low to 25 %. We asked for reduced rate based on our years of in time payment history. Home and motorhone on time payments ( motorhome interest rate 4.5 % shows we had great credit.. 

Due to a clerical issue when we consolidated loans. One of the XXXX XXXX loan payment was 38 days from our early payment before consolidated loan payments started. Late on billig date 1 day. As soon as we saw we fixed the accounting with XXXX XXXX XXXX. 

There was NO 38 day late only 38 days from previous payment date. 

To add to this incorrect defaming action on the 3 credit bureaus. Our credit scores dropped from XXXX FICO and local bureaus XXXX to XXXX. With on time payments for years. The bureaus are not reporting length and number of accounts, and all ontome payments to punish our great record. 

Attached find ambiguous reporting. Punishing words unfounded, lies, total fabrications to punish great payment and credit responsibility. 

Totally irresponsibility on the part of these companies required to reporting truth.. i will attach some screen shots shoeing as much as I can.. more upon request
Product: Credit card

I am writing about my Citi Aadvantage Platinum Select Card. Their customer service number is XXXX. 

I noticed that each month my credit card bill included a high interest charge even though I pay my bill down by the amount shown on the bill each month. 

For example, yesterday ( XX/XX/24 ) I paid {$19000.00} towards my current bill of {$18000.00} which is not even due until XX/XX/24. As a result, my account home page shows no payment is due. It shows a balance of {$1500.00} but those are charges that have been incurred after the current billing period. 

I asked that since my current bill has been paid in full should I expect interest charges on my next bill. And they said " yes, until you have a XXXX balance. '' How can I be charged interest on charges that haven't even been sent to me in a bill and while my account home page clearly says no payment is due? I wouldn't even know those charges existed if I only got paper bills. This is crazy. 

At the every least this is intentionally deceptive business practices and at the most there's go to be something illegal here. 

I was never given an answer when I called them. The call lasted XXXX minutes, XXXX of which I was on hold and then the call was disconnected ( not by me ). 

I would like any interest that I have paid be returned to me and for their business practices to be more transparent and clear. 

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

I have been trying to get items off of my credit report that are in violation of 15 USC 1692g. I reached out on XX/XX/21 about the violations and to date I have yet to hear back in regards to my disputes and it has been over 45 days. I feel as if my disputes are being pushed to the side and I am being taken advantage of. With laws in place stating I must be notified of my debt, I was not and I do not validate this debt as the original creditor. So these items must be removed as I am seeking litigation for defamation. I have even called in multiple times in order to see what is happening with my disputes to no avail and I have exhausted all my options.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out in reference to an account on my report that XXXX XXXX has furnished. Under the FDCPA, a closed account can not have a late payment on it. That is a violation!!! Furthermore, I mailed in a dispute letter on XX/XX/2021 asking to furnish the original contract with my signature showing where I as the original creditor signed off on this. I never heard anything back. XXXX  days later, I sent in a XXXX  Day Demand of XXXX, and still never heard anything back. Under the FCRA, the failure to provide me with the documentation I requested is an automatic deletion from my credit report. Aside from that, being that no one responded back within XXXX days with nothing- under federal law that is also automatic deletion from my credit report! At this point, I will be seeking litigation if this account is not deleted because there have been way too many violations occurring as the consumer and original creditor. 

Account Number : XXXX
Product: Checking or savings account

As of XX/XX/XXXX Chase Bank did a reversal for the amount of {$1400.00}, which was temporary credit, until the investigation was completed. I filed a claim for items on a purchase on a checking/debit account and I did not receive from the seller involved in the purchase. Chase of course contacts the seller involved in the purchase and the seller provided false information from the carrier that was supposed to deliver but the seller used XXXX XXXX to ship as " No Signature Required '' and I did not have an option to request signature. I contacted the seller and the carrier involved, filing claims from both  parties and resulting unsuccessful. Given the false information from the carrier and lack of proof in delivery, Chase proceeded to agree with XXXX XXXX 's response. I have receipt of the purchase made online and the proof of delivery for the online purchase and the seller and carrier must have records of my complaints and phone calls made since XXXX.
Product: Credit reporting or other personal consumer reports

XXXX loans amounts not correct, each credit bureau is reporting a different amount. When I asked for it to be removed from my credit report only XXXX honored my request. I would like for student loan information to be removed from all of the credit bureaus.
Product: Checking or savings account

I had made a complaint to your department about a problem I was having with JPMorgan Chase Bank in XX/XX/2021. I did get a response from the bank who wanted me to submit a form and current Letters of Trusteeship. I emailed the documents to the abandoned property department at JPMorgan Chase Bank and as of this date XX/XX/2021 I have not heard from the bank about this matter. 

I am the Trustee of the XXXX XXXX Trust at JPMorgan Chase Bank their case number is XXXX. It has been almost year since I first contacted the bank about this issue.
Product: Debt collection

Today XX/XX/2019 my sister contacted me saying that XXXX XXXX XXXX contacted her for me. I called them immediately after they called the first time. About 3 weeks ago. They know my phone number and address as they sent me statements and called me. I have answered calls with them and told them I was told I didnt have to pay interest on the account and now they are saying I do. I told them to contact me when someone can take the interest off as I was told beforehand I would not pay interest.