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

I contacted my bank BMO Harris regarding multiple charges on my account that were from from XXXX XXXX which was a total of 4 transactions. I explained to BMO Harris that I attempted to contact the merchant XXXX XXXX to advise them of the fraud charges but they refused to help me and asked me to show them proof that the charges were in fact fraud, which I explained to them I have no way of proving other than explaining I did not make nor authorize the transactions. The merchant continued to refuse to assist me with the fraud charges and getting my money back. 

While on the phone with BMO Harris I explained the above and advised them of the fraud transactions and that I did not make, I did not authorize those transactions nor sign for any of these charges. I received a letter via email that my claims department advising my claim was denied due to proof the merchant sent in. I contacted BMO Harris to inquire what info the merchant could have provided that indicated the charges were valid. The representatives explained the merchant sent them pictures of that the deliveries were made and placed in front of a door. I asked what the door looked like and what the picture looked like and what was explained was not what is in front of my home nor is what is described to be my home and I explained this is not my house. BMO Harris refuses to communicate with me to verify the pictures, send me evidence of the pictures and wants to hold me responsible for fraud charges I DID NOT Make. I am filing this complaint because they are failing to give me money back and able to prove that these charges are in fact valid and delivered to my home address that is on file with them and on my Drivers License. I have provided some attachments below. I am requesting assistance in obtaining my money back from BMO Harris Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not investigating disputes properly and are leaving things on report without properly investigating dispute. Have disputed with them on a entry from XXXX XXXX XXXX and have not received proper investigatiin from them and they keep leaving it on report even though XXXX and themeselves are violating my rights doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported that I owe them over {$73000.00} dollars and I dont. XXXX will not send me proof of this debt. XXXX is also reporting information from XXXX. XXXX is making it seems like Im over {$100000.00} in debt to them. XXXX and XXXX are the same company but they are reporting it as 2 different companies. I dont owe them {$73000.00}
Product: Debt collection

Item is from a dispute with XXXX XXXX XXXX and was originally placed on my credit by XXXX XXXX in XXXX. It has now been placed on my credit by XXXX different credit collection agencies in the past 11 months. XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX and by XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX on XXXX XXXX, XXXX. 

My husband passed away XXXX XXXX, XXXX. In order to keep my home I desperately need to refinance. I ca n't do that if these collection agencies continue to place this old item onto my credit as if it 's something new!!! PLEASE PLEASE PLEASE make them remove this nonsense from my credit report and STOP!
Product: Credit reporting, credit repair services, or other personal consumer reports

In Georgia, written contracts have a statute of limitations period of 6 years from the time in which the debt becomes due and payable and the period runs from the date of last payment ( OCGA XXXX )
Product: Checking or savings account

My account was set up for recurring payments from gyms multiple times and I never authorized any of it.
Product: Money transfer, virtual currency, or money service

On XX/XX/23 I went to XXXX XXXX  in XXXX CT. I asked for a domestic wire transfer to XXXX XXXX  in NY acting on behalf of XXXX XXXX XXXX XXXX and a foreign transfer to their lawyers in XXXX XXXX, XXXX. The information that was provided to me to initiate the transfers was from XXXX XXXX where I have a trust in XXXX. At over XXXX hours neither recipient had received the funds. What was most concerning was that the XXXX could not provide me with any documentation on the status of the wire. I use XXXX now known as XXXX. If a similar situation occurs where a recipient denies receiving the wire, they provide me with a full report with exactly where the funds went ie which bank, which account etc. I am appalled that XXXX not only is unable to do this but can provide no pertinent information as to the status. I am selling our home in XXXX which is in the trust and am unable to close until these fees have been received.
Product: Debt collection

The CBE Group mailed a debt collection notice for {$1000.00} from a mobile phone account that I never had. I called and they told me to reach out to XXXX. They confirmed that they had no debt on file and that they dont work with CBE Group XXXX I relayed this information to CBE and they told me I have to submit paperwork to prove the debt isnt mine. I cant submit anything because the account was never mine. And they wont send me the original bills from XXXX to verify this is a legitimate claim.
Product: Credit card

XX/XX/year> From XXXX XXXX CASE : XXXX Transaction Amount {$58000.00} To American Express Subject : Disputing unauthorized charge for merchandise lost due to negligence in delivery. 
I am writing to urgently dispute the unauthorized charge on my account for merchandise that was lost due to negligence during the delivery process. I kindly request that you refrain from refilling the charge and take immediate action to rectify this matter. 
Despite my repeated attempts to resolve this issue with the merchant, they have consistently provided the same response that they are entitled no responsibility for the lost merchandise in accordance with their policy .However the delivery itself was clearly unsecured as the merchandise was left outside the property garage gate where it was visible to the pedestrians and the drivers on the street. 
It is important to note that the merchant has shown no willingness to collaborate with the carrier to address this situation. Instead they insist on holing me, the consumer, solely responsible for the lost .I am unable to make payment for the unauthorized charge unless the merchant prices the merchandise correctly. 
I strongly urge you to intervene in this matter and prevent this procedure from continuing .The financial burden and the stress caused by this situation are greatly affecting me and I simply do not have the time or resources to deal with it further. 
I sincerely hope that American Express will address this matter promptly and help resolve this dispute in a fair and satisfactory manner. I do not want the irresponsibility of the merchant to tarnish my credit ability which I have worked diligently to maintain. 
Thank you for your immediate attention to this matter. I look forward to a swift resolution Sincerely
Product: Checking or savings account

I received an offer from Capital One to open a checking and money market account to receive a {$400.00} bonus ten weeks after completing the conditions ( see attachment ). 

Due to fraud alerts on my credit reports, I was unable to open the accounts online. On XX/XX/XXXX around XXXX central time, I went to the Capital One Banking Branch located in XXXX, Texas and opened the checking and money market accounts with the Bonus Offer Coupon. The Capital One Banking Representative called over her manager to input the code offer into the computer and I was told that I would automatically receive the {$400.00} deposited into my account within 10 weeks as stated on the Bonus Offer. One week after opening the account, I went to the Capital One website and printed a description of the Bonus Offer ( see attachment ). 

After completing the stipulations of the Bonus Offer, I waited patiently week after week but never received the {$400.00} Bonus. Finally, on XX/XX/XXXXaround XXXX central time, I called Capital One at XXXX and spoke with a representative named XXXX. After explaining my concerns to this representative, I was transferred to a manager named XXXX. This Capital One Manager stated that the Capital One representatives at the Branch misspoke and that the offer was only targeted to certain individuals. XXXX offered me a {$100.00} consolation, which I refused. I stated that I would be escalating this as appropriate since there was no supervisor above him that I could speak to. The phone call lasted 18 minutes.
Product: Checking or savings account

XXXX XXXX normally pays me a day early for direct deposits. I get paid every week and the money is deposited every Thursday. XXXX XXXX had an issue with direct deposits and I was affected. So I did not receive my direct deposit Thursday, XX/XX/XXXX nor XXXX, XX/XX/XXXX which is the day I am supposed to get my direct deposit. I received my direct deposit on XXXX, XX/XX/XXXX. Because of this, my energy bill was not paid due to my funds not being available at the fault of XXXX XXXX, not me. So the utility company that tried to withdraw money from my account then charged me a returned payment fee. XXXX XXXX sent an email saying they would reimburse those affected and charged late payment fees. I called customer service and their response is that the direct deposit should have been made available and funds available to use, but they were not. After repeatedly saying I did not get the funds I was supposed to in timely manner, they persistently told me they should have been and refused to reimburse me.
Product: Debt collection

I planned on retiring from my job. Had this XXXX, paid my portion to drs & paid my portion of hospital bill after bill came. I had complete zero monies due. Now years later I just got this bill from debt collector for {$3300.00} I think my write-off debt got sold off..WRONGLY
Product: Credit reporting or other personal consumer reports

These accounts are past statue of reports and needs to be removed off all XXXX credit bureaus. XXXX, Transunion, XXXX. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$640.00} XXXX XXXX XXXX / XXXX Date Opened XX/XX/XXXX {$84.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$4600.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} Inquiries XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX VIA DEALER ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX VIA DEALER ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX VIA DEALER ( Finance ) XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had transfer a fund through XXXX XXXX in the amount of {$2500.00} to Coinbase, Inc Account from my XXXX  XXXX XXXX checking Account on XX/XX/2017. It says the fund would be available the next day, since I made the transaction after XXXX XXXX, but it has been 3 days and the fund is still not been available in my account. I tried to contact their customer support but they do not respond with the status of my transfer. All they send is an email saying the following : " Thank you for submitting your request. We have received your request and are working on responding to you as soon as possible. ''
Product: Credit reporting or other personal consumer reports

US Bankruptcy Law illegally report information to credit agencies
Product: Student loan

I am working towards Public Student Loan Forgiveness and my qualifying payment calculations are incorrect. 

On XX/XX/XXXX I spoke with a member from Fed Loans who recommended I request a manual recount, which I did. However, was told at time it may take " awhile ''. Manual recount requested of all months since going into loan repayment ( XX/XX/XXXX ). I never received any information on this being completed and no documentation of this in my account. 

On XX/XX/XXXX called again, was told the case was closed and they recounted for the few months I requested ( not all months as indicated ). Count is still grossly off including multiple loans having different number of qualifying payments. 

My payments have been on autopayment, therefor all loans should have the exact same number of qualifying payments ( was told on first phone call that this problem happened A LOT because autopayment made it falsely look like the full loan payment wasn't made if it was applied differently to multiple loans ). 

Awaiting another manual recount at this time. However, current counts are still grossly different than my personal counts. They are at best 20 months off, at worst 56 months off. 

There were a few brief periods of forebearance, 1 month and then another period of 1 day which should not account for such a gross discrepancy.
Product: Credit reporting or other personal consumer reports

Call the credit in regards to unauthorized credit inquiries from car dealerships on my account. I explained that there is a fraud alert on my account and this should not have happened. They have been unable to provide a signed document with my signature that authorizes these inquiries.
Product: Vehicle loan or lease

The car has been paid off for over 2 years. I have attempted to get the title from the DMV, but they say that Capitol One ( the lien holder ) has not released it. I talked with Capitol One and they tell me they have released it to the DMV. So the DMV refuses to give me MY title, and Capitol One claims to have released it to the DMV. This is unacceptable that it has gone on for over 2 years of me fulfilling my obligations of paying off the lien holder.
Product: Credit reporting or other personal consumer reports

This company Upgrade Inc has done nothing to help me with a fraudulent loan account put in my name. The unauthorized loan account opened up on XX/XX/23 amount initially shown was {$4000.00} but after looking at my credit reports its shown as a reported balance of XXXX that I did not authorize and neither did I know about. 2 miscellaneous payments of {$210.00} were made on the account on XX/XX/23 - XX/XX/23. After receiving mail from the company, I contacted the company letting them know of identity theft and they responded but were not very helpful, they concluded with its your name and information on the account and based off that, thats what we have to go off of. I provided bank and credit card documents to them as they requested but they still continued to give me negative feedback and saying its not sufficient enough. At this point I dont know what else to do, my credit score is dropping and this isnt my debt, neither was any of my bank accounts used to pay the miscellaneous payments to the account. Recently that sent a letter saying that since I have not been cooperating that by this XXXX it will be fully delinquent and nothing will be able to be resolved from their end. Im reaching out to Consumer Financial Protection Bureau to get some assistance on this matter, Im tired of stressing on this matter, its affecting my life and I dont feel safe, on top of that none of this is right. I did my part with providing documents and informing the company I never even heard of them, never done business with them before and Ive locked all my credit information down to prevent anymore of this insufficient data from being used. Im asking for a resolution on this matter asap.
Product: Student loan

EdFinancial is my new student loan servicer. They have not provided account access. I have no access to my federal student loan information and am unable to make a payment before interest resumes on my loan. I was able to reach a representative after a lengthy wait ( 2 hrs ) on the phone. They assured me account access will be provided by XX/XX/XXXX. I have still not received any access to my account. This company is engaging in shady practices denying consumers access to their own financial information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon securing an updated copy of my Credit Report from XXXX, I hurriedly checked the accounts which I previously disputed and realized that the Accounts were never corrected. I am frustrated by this and it disappoints me seeing the Credit Bureaus having no assertion about the status of the disputed accounts on my Credit File. The Credit Bureaus are given ample amount of time to conduct their investigation and correct the disputed accounts and yet they have failed to do so. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$0.00}, and XXXX XXXX Balance Owed : {$0.00}.
Product: Debt collection

My husband has an old debt from a credit card. We would like to settle and pay once we get in a little better financial position. In the mean time, we habe received many threatening letters fro m Weltman, Weinman and Reis law fir m. They threatened to take us to court, garnish our wages and bank account. With fear of them taking out all our money in the bank that we need to pay our house payment and utilities, I agreed to make fair payments,  one  for  XXXX  $ on  XXXX   XXXX ,  XXXX  $ on the  XXXX , and another  XXXX  $ on the  XXXX . This firm took  XXXX  $ out of our account on  XXXX   XXXX ,  XXXX  $ out on  XXXX   XXXX , and another  XXXX  $ on  XXXX   XXXX , which overdrew our account and we incurred fees and now do not have any money!!! I am terrified that this law firm will sue us because they call multiple times a day and send many certified letters with lots of legal verbage with writing that looks like we have to appear in court and our bank accounts and wages will be garnished. Because this firm did not take out the correct payments on the dates I approved, our bank account is now in the negative and we have overdraft charges!
Product: Mortgage

I have had an FHA loan with SunTrust mortgage since 2009 when I purchased my condo for {$200000.00} with the help of a mortgage broker who has since left SunTrust. At the time, the condo appraised for {$220000.00} but because I had just started working, I still had to pay mortgage insurance since we did not have the cash for a XXXX % down payment. More recently, because of lower interest rates and multiple spam emails from the current broker, XXXX XXXX, I decided to apply for a refinance. Initially XXXX was very helpful, and although I did not qualify for the lowest advertised interest rates since I no longer lived in the condo, she said that I would still be able to lower my mortgage payments with the refinance. We decided to proceed with the application. The appraisal came back at {$190000.00}, which was partly based on a comparable rental that had a lower price listed on the appraisal then on the Internet as well as a comparable sale in a multiunit building with many previous sales, none of which were on the original appraisal. XXXX said that because of the lower appraisal I would need to pay mortgage insurance since I no longer had enough equity in the property. I asked to appeal the appraisal but also offered to pay down enough of the mortgage to Own more than XXXX % of the lowered appraisal. The following day XXXX responded that the condo association did not meet required XXXX % annual reserve allocation requirement on the budget, despite the fact that the HOA allocates XXXX % of the budget to reserves and has cash reserves that are greater than XXXX % of the annual budget. I asked for a refund of the appraisal fee since I felt that the reserve allocation issue should have been discovered prior to going ahead with a {$500.00} appraisal. I did not receive any response from SunTrust. I suspect that they are only interested in collecting the appraisal fee and were looking for any excuse not to proceed with the actual refinancing since they are already collecting a higher interest rate, as well as mortgage insurance.
Product: Student loan

It would appear PHEAA has blocked my account access, which is another red flag. I feel they are doing all of these things as a response to me fielding complaints against the organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove all inaccurate, erroneous, unverifiable information. I will be as clear as possible so there is no further misunderstanding. The corrections should be as follows : XXXX XXXX XXXX ( and all variations of this account ) - Never did business with this company ; reporting a charge off with a balance ; delete immediately XXXX XXXX XXXX XXXXXXXX ( and all variations of this account ) - Reporting a charge off with a balance ; delete immediately XXXX XXXX  XXXX ( and all variations of this account ) - Reporting a charge off with a balance ; delete immediately XXXX XXXX XXXX ( and all variations of this account ) - Reporting a charge off with a balance ; delete immediately XXXX XXXX XXXX ( and all variations of this account ) - Never did business with this company ; reporting a charge off with a balance ; delete immediately XXXX XXXX XXXX  XXXX and all variations of this account ) - Reporting a charge off with a balance ; delete immediately XXXX XXXX XXXX ( and all variations of this account ) - Never did business with this company ; balance is lower than high balance ; delete immediately XXXX XXXX XXXX XXXXXXXX XXXX ( and all variations of this account ) - last payment made states XX/XX/2013 ; it is almost 10 years later ; delete immediately XXXX XXXX XXXX ( and all variations of this account ) - Reporting charge off with a balance ; delete immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I used the app XXXX XXXX to show a hard inquiry from Citizens Bank with an inquiry on XX/XX/2018. I don't recognize this inquiry, I've never spoken to anyone at this bank and this bank doesn't even have a branch in the state I live in. I called their corporate customer service number and the representative said they couldn't help and I needed to contact a branch manager. I contacted a branch manager and they said they couldn't help or didn't see my name attached to anything there and I should call XXXX. I called XXXX  and they said I needed to call Citizens bank. I explained to them what I'm explaining here and they said to file a complaint with you.