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

I opened an online account with BMO. I received an email with a link to verify 2 micro deposits which I did. Once that step was complete I was instructed to setup the mobile app so I would be able to verify the account terms ( CD term, amount, rate, apy ). I was never able to get the app to work as I kept getting an error message. I was told to wait until the next business day and attempt again. When I attempted the next day the app stated " the user ID entered does not exist ''. Concerned I called in and was asked if I could receive text messages. The associate attempted to verify me via text but I never did receive the message. She stated there was not much more she could do and I asked to escalate. I was transferred to XXXX XXXX. I explained to her that I was having issues with the application she stated I could complete a form, have it notarized and send it in with a copy of my drivers license. I told her that was not an option that I was trying to validate the terms and conditions of the account that was opened and that I was not able to verify the account number, etc and that my online access had been removed. She stated she really could not assist me. I told her I had a request from XXXX to verity the debit was correct and that the account was established. I told her I would need to let XXXX know that I was not able to verify this information and they may return that debit as fraud. I asked if we could please escalate as I hated to take that action. She stated that there was no one higher than her to escalate to. I was shocked as she defiantly was not the CEO. She then again stated that the person I spoke to the day before did not do what they were supposed to and the only way I could procced is the complete the form and find a notary. I again told her that was not an option. I do not think customers should be the penalized and made to jump through hoops when the technology provided does not work. I then asked being that they could not verify me and I could not verify the information requested could they account opening be cancelled and the funds returned. I was told no, it was too late. Again, I feel like I should have that option being that I was not able to verify and utilize the information sent to me via email and the mobile app.
Product: Credit card or prepaid card

Switching balances with other accounts bank app said updated 53 years ago All MasterCard
Product: Debt collection

I have a debt collection reporting on my credit for an account that I did not authorize. I have never utilize credit services and or lines with this particular company. The information appears to be frivolous and I wish to address this matter. This debt does not belong to me.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I have not been able to get help from them for weeks now but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently ( almost daily ). My email linked to my PayPal is XXXX. I hope you guys can take a look into this for me please and thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in dispute with Equifax about a bankruptcy that they are reporting on my credit file. The information they are reporting is incomplete and inaccurate. I have sent letters asking for them to verify the bankruptcy which they would refuse to do. They have responded with letters stating that the account has been verified through their vendor. The last letter I wrote them, I asked Equifax to provide me with a method of verification and also to advise them that they were still reporting incomplete and inaccurate info.They responded with an update to my bankruptcy by adding a verified date The date of verification was never complete until XX/XX/XXXX. At that time, it was dated XX/XX/XXXX as being the date of verification. I have been going back and forth about this matter for months and was notified in XX/XX/XXXX that it had been verified then. Well I received a notification from XXXX XXXX XX/XX/XXXX that a bankruptcy had been removed and then added again. This will make the second time, XX/XX/XXXX, that they removed and added the same bankruptcy to my account. At this point, my score is being severely affected. Equifax intentionally withholds positve updates and reports the negative more. I just wanted them to do a thorough investigation and based the reports off of it. Instead I am getting a computer generated response
Product: Checking or savings account

Ive done multiple jobs on the side ( XXXX XXXX XXXX ) whereas i was paid by XXXX on my Navy Federal account, However this one transaction was reported as fraud and because of that my XXXX was deactivated and also my bank account was permanently closed, this is unbelievable as this shouldnt be the case where if someone was paid for a service and the person paying reported the transaction then the other person would be to blame for a fraud transaction, without hearing the other side of the story ; because as things stands anyone can just report a transaction and close anyones account which I find to be absurd.I get paid in this account and Ive had this bank account for a while now with no issues and now they left me hanging because of a potential fraud transaction.
Product: Credit reporting or other personal consumer reports

Transunion is reporting inaccurate account information despite being provided proper documentation in regard to ID theft. There are two accounts that they refuse to remove or provide proper response to. One account they are reporting has exceeded its 7 year mark but is still on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXXXXXX Balance {$5700.00}
Product: Vehicle loan or lease

I ordered car online today XX/XX/2023 vehicle promised available to be picked up tomorrow XX/XX/2023 in XXXX NM from retailer Carvana. Down payment on XXXX advertising at {$0.00} down then after initiating purchase down payment goes up to XXXX XXXX Usc 1662 B violation Of truth in lending act # 1. After completing purchase car is suddenly available a week later then original date- TILA violations # 2 misleading and misrepresentation. Then I proceeded to sign Retail purchase agreement contract wich after reviewing contracts noticed all paperwork post dated 1 week in future with only actual documents indicating actual date signed is the 7 day return policy contract making 7 day return window consistently intentionaly expired on date of delivery making cars essentially no longer eligible for return- Truth in lending violation # 3. Also Carvana is not even selling used cars in wich they poses title for in state of NM used dealers must own vehicles sold title on site XXXX and Carvana not conducting buisness according to state law. Additionaly You can pay for a vehicle on Carvana website and vehicle is still offered. For sale by XXXX after giving Carvana over XXXX XXXX dollars. My newly purchased XXXX is still listed for sale at XXXX right this very second meaning XXXX could potentially sell my car before I get a chance to take delivery or some random person could potentially take car I just purchased out on test drive etc. Im not an expert but pretty sure that they are not operating lawfully under Truth in lending or FCRA standards. Extended me credit until I complained then revoked offer of credit before offer expiration. Contracts say it all. Unable to load contracts so I am going to submit another claim so that contracts may be attached to this complaint be advised I am making additional complaint to attach contracts not duplicate claim is to be attached to this complaint.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX , I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible thank you for your time.
Product: Credit card or prepaid card

Total Card issued by XXXX Bank I closed the account XXXX week ago XXXX balance confirmed with XXXX XXXX Account remained open and subsequently charged a monthly service fee Still have not closed the account
Product: Debt collection

Americas Car Mart continues to infringe upon and violate my consumer rights. Upon doing so by law XXXX demand compensation for such violations under 15 U.S. Code 1692k - Civil liability. 
On XX/XX/2020 a letter was mailed to my home address from Americas Car Mart. That letter was titled Notice of Our Plan to Sell Property. The first violations are under 15 U.S.C 1692b. Acquisition of location information & 15 U.S.C 1692d - Harassment or abuse In this letter Americas Car Mart states the following quote THIS COMMUNICATION IS NOT AN ATTEMPT TP COLLECT, ASSESS, OR RECOVER A CLAIM IN VIOLATION OF THE BANKRUPTCY CODE AND IS FOR INFORMATIONAL PURPOSES ONLY. But also, in that letter Americas Car Mart states the following quote You can get the Vehicle back at any time before we sell it by paying us the full amount that you owe ( not just the past due payments ), including our expenses. To learn the exact amount you must pay, call us at : ( XXXX ) XXXX XXXX. That to me is the language of an attempt to collect a debt, which is indeed a violation under 15 U.S.C 1692b. Acquisition of location information & 15 U.S.C 1692d - Harassment or abuse.

I have not given any written permission to contact me in any form at any time of day which makes this letter in its entirety a violation by law under 15 U.S.C 1692b. Acquisition of location information & 15 U.S.C 1692d -
Harassment or abuse.

In the top right corner of the letter Americas Car Mart has the companys logo which is a violation under 15 U.S.C 1692b. Acquisition of location information.
Product: Credit card

chase credit card " hacked '' twice in last 3 months -- up to {$12000.00}. Chase credited my account, issued new card, wo n't investigate. Complaint filed with XXXX XXXX ( XXXX XXXX ) police department forwarded to XXXX county XXXX sheriff 's office for investigation, and hopefully prosecute as a 2nd degree felony. no cooperation from Chase, no telephone numbers or addresses for chase.
Product: Credit reporting or other personal consumer reports

This is my follow up complaint, I sent a letter on XX/XX/XXXX to remove 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 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$400.00} XXXX/XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX Balance {$750.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against Equifax for their continuous failure to verify my identity and provide access to my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681 et seq. Despite my repeated efforts to comply with XXXX verification requests, they have unreasonably delayed the process and provided inconsistent responses, preventing me from exercising my rights under federal law. 

Summary of XXXX : This is now the third time I have sent Equifax the required documents to verify my identity. Each time, I have included all necessary forms of identification, including : A legible government-issued ID ( drivers license ) A utility bill with my name and most recent address My Social Security XXXX XXXX supporting documentation, when applicable Equifax has XXXX responded with vague rejections, claiming either that my documents are illegible or that they are unable to locate a credit file for me. However, these claims are baseless as I have attached proof of delivery, demonstrating that my documents were received and should have been processed. 

In the most recent letter I received, Equifax once again requested my Social Security card and a utility billdocuments I have already provided. This pattern of obstruction is unjust, and it directly violates my rights under the FCRA 609 ( a ) ( 1 ) ( 15 U.S.C. 1681g ), which grants me the right to access my credit file.

Violations Under FCRA : Failure to Provide Access to My Credit Report ( 609 ) : Equifax is required to disclose my credit file upon my verified request. Their refusal to acknowledge my submissions is a violation of this provision.

Failure to Conduct a Reasonable Investigation ( 611 ) : XXXX repeated rejections of my valid documents without justification constitute a failure to conduct a reasonable investigation, as required by the FCRA. 

Failure to Maintain Reasonable Procedures to Ensure Accuracy ( 607 ) : Their claim of being unable to locate a credit file for me raises serious concerns about their record-keeping and compliance with federal law.
Product: Money transfer, virtual currency, or money service

I was driving home from XXXX XXXX XXXX  and I was called by supposed " XXXX XXXX '' ( who I bank with ) and they asked if I had been trying to send money to someone through Zelle. I had not.. I had no access to a computer since I was driving. They told me my account had fraudulent charges and then told me one of my checking accounts had to be closed because of the fraudulent activity. ( I had XXXX checking accounts ) They then had me send the money to confirm my identity to myself through Zelle to a phone number and said the money would get sent back to me once my identity was confirmed. Next, they said they would send me an email to reset my banking account. I never got an email. I called my bank to check on it and they said there was no record of anyone calling me and has heard of several people getting scammed through Zelle with this same fraud. I have tried multiple times with my bank to get my money back, but they say Zelle is a third party company and they can't do anything about it. {$1400.00} was stolen from me. 

The contact info for the person I sent my money to is XXXX XXXX. I've called the number and asked for my money back and she hung up on me.
Product: Mortgage

Amended Complaint XXXX ( Wrong Security Deed was submitted for evidence, Disregard Complaint XXXX ) Subject : Discrepancies in Loan Documentation Specialized Loan Servicing I am writing to bring to your attention certain discrepancies in the loan documentation related to the contract. As per your correspondence you stated : Terms of the Loan On XX/XX/XXXX you signed a {$100000.00} Note secured by a Security Deed. Copies of these documents are enclosed for your review. 
On XX/XX/XXXX, your prior servicer XXXX advised of the XX/XX/XXXX transfer of servicing to SLS, and on XX/XX/XXXX SLS sent its corresponding Notice of Servicing transfer. 
SLS has applied payments as prescribed in the loan origination documents. 

Statement of Facts : The Security Deed provided by SLS does not match the original Security Deed obtained from the XXXX XXXX Clerk of Superior Court. ( Please refer to the attached Original Security Deed. ) Specifically, the loan number on the Security Deed is : XXXX, while the loan number on the Notice of Mortgage Servicing Transfer is : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are showing on one or more of my credit reports and need to be removed due to fraud. I already have the fraud alert on my file, I just want them removed. Please make that happen. I have attached a police report listing all derogatory files and my proof of identity. 

Someone obtained m y social security information along with my date of birth and opened up the following credit cards and financial accounts : XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Both accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$120.00} XXXX   XXXX  for {$730.00} Due to this, they are all on my credit and I need to report them as fraud accounts so they are removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX I am looking to correct some errors and update my credit file. I noticed that there are some addresses and information that are not correct. There were some addresses that I noticed belong to a family member but I myself never resided at the following addresses : XXXX XXXX  XXXX XXXX XXXX XXXX OH, XXXX, XXXX  XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX CT XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX  XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX. 
I found incorrect spellings of my name on my credit file. My name is spelled XXXX XXXX XXXX please remove any other spelling or variations of my name they are not correct.
Product: Credit card

I have sent inquiries multiple times to receive validation information and have not received anything in return. This is beyond 30-60-90-180 days. Capital One / {$2800.00} / # XXXX / charge off
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$72.00} ; XXXX XXXX AV XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$840.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$72.00} ; XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Bankruptcy : Bankruptcy Reference Number XXXX ; XXXX XXXXXXXX Bankruptcy : Bankruptcy Reference Number XXXX.
Product: Mortgage

Our mortgage payments should only include the loan and the escrow. Since I'm a XXXX XXXX XXXXXXXX veteran, I am exempt from property taxes, so only the homeowner 's insurance premium should be what's included in the escrow amount charged. Our escrow is {$380.00} per month, but as of XX/XX/2024 we are being charged an additional {$120.00} per month for a shortage. We have always paid our account on-time and there are no other costs associated with the loan. I spoke to the mortgage company and they told me it was part of our homeowner 's insurance premium increasing, but the escrow already includes the amount needed to pay for the insurance premium.
Product: Checking or savings account

All of my Alliant Credit Union accounts, a checking, saving, and certificate of deposit, were frozen on XX/XX/2020. Alliant Credit Union froze the accounts after receiving a threatening letter from XXXX XXXX XXXX XXXX, a XXXX XXXX family law firm on XX/XX/2020. Thus far, Alliant Credit Union has refused to remove the freeze and has not responded to my emails asking for the freeze to be lifted. My electricity bill was not paid and I incurred fees as I could not move money to pay my bills because my account was frozen. In the letter to Alliant Credit Union ( which is attached ), the above-mentioned law firm misconstrues the scope of the California Family Law Standard Restraining orders forbidding any transaction from the account, regardless of whether it is for necessities of life like my electricity bill or DMV fees. Alliant Credit Union responded with this reasoning for freezing the accounts to both opposing counsel and me, Under the instructions and threats in your letter, if the credit union allows Ms. XXXX to withdraw any funds, Mr. XXXX will hold the credit union liable for the amount of such withdrawals. The credit union can not know whether a requested withdrawal is in the usual course of business or for the necessities of life. Therefore, we ask that you meet and confer with Ms. XXXX and her counsel, if any, to provide instructions to the credit union that are consistent with the terms of the restraining order. Absent a corrected letter from you, it appears Ms. XXXX should ask the court to assist her in correcting your misrepresentation of the restraining order and providing guidance to the credit union on the amount of withdrawals the credit union should permit. 
I contacted opposing counsel and asked them to unfreeze the account on XX/XX/2020, which they refused to do. 

Alliant Credit Union froze my account because of fear of retaliation from XXXX XXXX XXXX XXXX, not a violation and without an appropriate court order. Alliant Credit Union did not inform me of the freezing of the account and I found out when trying to login to my account on XX/XX/2020 to pay my electricity bill. Alliant Credit Union has forced me to incur legal fees to adjudicate this matter and removed access to money for me to pay for the necessities of life. XXXX XXXX XXXX XXXX also sent this letter to at least two other banks, which thus far have decided NOT to freeze my accounts unnecessarily.
Product: Credit reporting or other personal consumer reports

My Prosper ( in XXXX ) & XXXX ( in XXXX ) Credit cards were reported at over limit Both credit card companies corrected those errors on my online accounts and with the credit bureaus. 
( Thank you very much XXXX XXXX XXXX! ) The remaining issue I have is it appears, the negative overlimit mark hasnt been retracted on my credit reports. 

Thats all I need. 
Please retract the negative overlimit marks with the credit bureaus re my Prosper card ( XXXX ) XXXX ( XXXX ) Your speedy remedy would be greatly appreciated!! 

It came to my attention that those marks may still be reporting to the credit bureaus when I applied for a credit limit increase was turned down bc of the over limits re my Prosper and XXXX cards according to the letter I received. 

Thank you so much for your timely assistance with this matter!! 

Please all 3 Credit Bureaus so any Overlimit Remarks are retracted from my XXXX, XXXX, XXXX reports Re Prosper card ( XXXX ) XXXX ( XXXX ) THANK YOU!!
Product: Vehicle loan or lease

The fees that we charged from the auto loan from Global Lending Services exceeded the amount and timeframe of the loan. The loan should have been paid off and due to extraneous fees the loan was extended beyond the worth or value of the car. Not to mention the {$5000.00} that was spent on the car after the major manufacturer defect found on the car which consisted of the persistent money being spent on the car which should have been considered a lemon after so many recalls.