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

I closed my accounts in XXXX of XXXX. Ever since XXXX I have tried on multiple occasions through the business banking phone number and in person at the bank to obtain statements. 

I have been told a variety of different things. I ordered them at the bank after the banker stopped arguing with me about me being able to obtain them online. I had to reset my password on an app that I didnt have on my phone anymore to prove to this banker that the statements cant be produced on mobile banking app. She stated she didnt know why the subsidize the account. 

She then stated she ordered it for XXXX accounts because those are the only ones I had open. I know I had more than XXXX accounts with bmo Harris for my business banking back in XXXX she argued and said there not in the system. I figured maybe I was crazy I had only XXXX accounts. I waited for these statements to show up on the date she claimed she ordered them never showed maybe theyre a day late? They never came XXXX days later I call and XXXX from the resolution team said he ordered them. 

I now have late dees from the irs because it has been 60 days since Ive tried to obtain my bank statements for my accountant which BMO HARRIS HAS TO SUPPLY ME. 

This bank has been nothing but money wasted and confusion with my business. I have lost opportunities on things because o has had my business debit card locked and the only way to unlock is going in the branch. I closed my accounts with a XXXX balance. I got a XXXX XXXX  collection letter a month later stating that bmo did not in fact close my accounts the day I went in and they allowed a partial transaction come through on the account. I am very very frustrated with this bank I would like all the late fees bmo Harris has accrued due to their negligence. And I also pray they get their information together with their team. It is a shake of the dice when I call this bank because the employees dont even know bmo Harris policy. One member told me I cant order statements I have to go into the bank and they will print them there for me. Then when I go inside the bank they tell me I have to call the back office. To the point where I literally got the back office on the phone while sitting in the bank parking lot and then went in and got with a banker and they both had to speak with eachother on my phone to figure out what to do. 

This is all extremely unprofessional and I am looking at full reimbursement for all latee fees accrued
Product: Debt collection

This complain is about Portfolio Recovery Associates Collection Agency Reporting to all XXXX major Credit Reports Inaccurate information as of Date of First Delinquency. As reported to XXXX on XX/XX/XXXX this account is schedule to continue on record until XX/XX/XXXX as of XX/XX/XXXX it was not on XXXX no more making the Date of 1st Delinquency XXXX XXXX ( since accounts remain for 7 yrs on record as of 1st Date of Delinquency ) On XX/XX/XXXX Portofolio reports to XXXX 1st Date of Delinquency as XX/XX/XXXX. As of XX/XX/XXXX its reports to Equifax 1st Date of Delinquency XX/XX/XXXX. As of XX/XX/XXXX XXXX Deleted it after finding inaccuracies on Dates of 1st Delinquency reported. Portfolio still reporting to XXXX I am currently disputing it with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed in my report were inaccurate.I requested that they investigate these and analyze my files by sending letters to all 3 credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXX Inquired on 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 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 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: Payday loan, title loan, personal loan, or advance loan

Inquired about a loan as it was the only option. Speaking with representatives they seemed eager to help and called immediately to assist with a personal loan that was approved however it seemed to good to be true on how fast it was approved as in the called, email notify myself to call to continue the process of me providing my LES and record brief/soldier talent profile to verify service. I received the a high interest rate and was walk through over the phone to set up an allotment. After reading in a community group there was a lawsuit against Omni. Request for a personal loan was around late XXXX early XXXX. I am currently still making payments with an interest rate of 34.5 %. Are they legally applying by laws and not repeating or continuing with process of the previous lawsuit.
Product: Credit card or prepaid card

Bank of America has been holding a significant amount of my money since early in XXXX. The amount currently sits at {$97000.00}. 
They blocked access to my accounts and I have not been able to move it since. 
I have a credit balance on one of my credit cards with them and they have not sent me my money. Specifically I have called into their call centers over a dozen times ( likely more ). I even at one point spoke with someone from their executive office who never got back to me and didn't send me my money. 
Regardless of what was said or not said they still have never given me my money. 
I have given my bank information multiple times to various reps ( So that they could send me the money via a wire ) and also confirmed my physical address for the reps that told me they would mail me my check. None of them ever sent me the money. 
In addition to these phone calls I also sent a registered letter on XX/XX/2021 asking for my money to be sent via a check. They have not responded to that letter either. 
I have proof and documentation on all of this and can answer any further questions that you may have. I have included only one of the chats in which someone told me that someone would get back to me about my money back on XXXX and they never did. They also confirm that I did give the information about my bank account so that they could wire me the money. Also enclosed are the closure letters for my BOA accounts that showed up one day without a phone call or anything else from BOA. I have also enclosed the USPS information which includes the receipt for the certified letter along with the tracking information USPS provides you when sending a registered letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I am writing to formally dispute multiple fraudulent accounts that have been reported under my name and appearing on my credit report. I have never opened nor authorized the following accounts, and I am demanding immediate removal and correction of these inaccuracies : Account Number : XXXXXXXX XXXX XXXX Balance : {$1400.00} Date Opened XX/XX/XXXX Account Number : XXXX XXXX Balance : {$4700.00} Date Opened XX/XX/XXXX Account Number : XXXX XXXX XXXX Balance : {$3900.00} Date Opened XX/XX/XXXX Account Number : XXXXXXXX XXXX Balance : {$3400.00} Date Opened XX/XX/XXXX Account Number : XXXXXXXX XXXX  Balance : {$2600.00} Date Opened XX/XX/XXXX Account Number : XXXX XXXX XXXX : {$4600.00} Date Opened XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX XXXX : {$20000.00} Date Opened XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX XXXX : {$9000.00} Date Opened XX/XX/XXXX These accounts are the result of identity theft and unauthorized activity. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information and have it promptly removed. I have enclosed the following supporting documents for your reference : A copy of my government-issued ID. 
A copy of my utility bill for address verification. 
A copy of the police report/identity theft affidavit ( if applicable ).
Product: Payday loan, title loan, or personal loan

I purchased various gifts from XXXX using Affirm financing to the amount of XXXX. The purchase included two bicycles ; however, both were missing parts so they were returned to XXXX. XXXX processed two returns one in the amount of XXXX and another in the amount of XXXX on XX/XX/XXXX. Both were refunded back to Affirm, however, the second refund was not processed. After four follow ups on the Affirm is stating they can not apply the refund to the loan even though they have received the funds back from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX XXXXs, portfolio Recov XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, US Dept of ED/XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, has Fraudulent accounts on my credit profile.that needs to be removed immediately ...
Product: Credit reporting or other personal consumer reports

In accordence with the fair credit reporting act XX/XX/XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

PayPal has a service called PayPal Key, which acts as a virtual card that generates a unique number and allows you to charge underlying cards you attach. This provided an easy way to manage multiple credit cards, as I can switch the underlying card easily and only need to remember and use one number rather than multiple. PayPal acts as an intermediary and charges my credit card, then facilitates the payment to the merchant. 

Sometime on or around XX/XX/2021 my PayPal account was permanently restricted. Prior to this date, I had a transaction on XX/XX/2021 using my underlying credit card through PayPal Key for {$660.00} transaction ID : XXXX Because my PayPal account was limited, I am unable to receive a refund for this flight from the merchant. This was a personal flight booked in my own name that the airline js refunding me for. However, that can not happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th XXXX to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

My Chase debit card account XXXX was hacked on XX/XX/XXXX and XXXX. I have {$120.00} limit to trigger a Chase alert on my account. All unauthorized charges made were over {$120.00}. Chase did not put any alerts on my account via text messages on XX/XX/XXXX or XXXX 2022. I have requested all alert messages for XXXX from my local branch in XXXX, Ca and from the Chase fraud protection dept. Response : no alert messages are available.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX : XXXX, am a federally protected consumer and living being, submitting this complaint against Experian without any influence from any third party or agency. I advise you to see the attached documentation as it contains my full complaint and demands. On XX/XX/2022 I mailed a dispute letter to Experian to remove Bankruptcy Ref # XXXX from my consumer report. On XX/XX/2022 Experian received my letter, as confirmed with the attached return receipt. On XX/XX/2022 Experian claimed to have done an investigation ( Report # XXXX ) and that the " company that reported the information certified to Experian that the information is accurate ''. This is fraud because US BANKRUPTCY COURT XXXX XXXXXXXX does not furnish this information to CRA 's, including but not limited to the 3 major reporting agencies and the minors such as XXXX XXXX, XXXX  and the likes. It is not within the policies or obligations of the US BANKRUPTCY COURT XXXX XXXX to validate any public records. This violates my right to privacy and permissible purposes 15 U.S.C 1681b ( a ) ( 2 ) because I did not give Experian or any other credit reporting agencies permission or consent to furnish this information to my consumer report. If Experian actually conducted an investigative consumer report then I demand they provide me with the disclosures pursuant to 15 USC 1681d.
Product: Credit reporting or other personal consumer reports

Please remove fraudulent accounts and hard inquiries off my credit profile from Experian, Equifax, Trans union immediately! 
XXXX XXXX XXXX {$530.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  {$2100.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX {$2900.00} XX/XX/XXXX 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ACT XXXX, XXXX Account XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX have failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian, XXXX and XXXX has neither corrected or removed these disputed items despite the evidence I provided. This is causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians, XXXX and XXXX inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

On XX/XX/2021 I attempted to pay my bill online, by automatically linking to my XXXX XXXX checking account. 
The citi automated linking portal was not working, and I was unable to do it automatically. 
Instead I was forced to enter my XXXX XXXX bank info manually. 
Few days later, I received notification that Citi was unable to complete the payment. 
I again tried to submit it - again, automated linking did not work. Again, submitted it by manually entering the same bank info as the first time around. 
This time, the payment posted successfully. 
However, I was hit with {$29.00} returned check fee. 
I tried to resolve it with Citi, and my reasoning was, that hypothetically, it's possible to make a mistake when you have to manually enter you bank routing and account number, even if you do it as cut & paste, and that had their linking software worked, I would not have encountered this issue in the first place. 
It was all falling on the deaf ear, and the only response I got was 'we are unable to waive that fee '. 
This is not right. I entered the same info the second time and it went thru. They can tell me which info was received by them the first time, and why it was rejected. 
But bottom line- a customer should be able to automatically link their account, and if that was case, this would not have happened. Given they have an issue, I do not believe this is right that they are charging me that {$29.00} fee.
Product: Debt collection

Received letter dated XX/XX/XXXX on XX/XX/XXXX. Called regarding and business closed on XX/XX/XXXX. XXXX XXXX XXXX called XX/XX/XXXX and provided incorrect information on debt. They called again on XX/XX/XXXX and harassed us about payment. Informed them I need to determine the debt. Contacted original service provider on XX/XX/XXXX and he was unaware. Did a three way call with service provider and XXXX and found out need to do research to determine if service provider was paid through Telecheck. Was informed would not be bothered by XXXX until we had time to verify debt. Received harassing call from XXXX  2 hours later about debt. 

Original debt was with XXXX XXXX XXXX which was paid on XX/XX/XXXX. XXXX XXXX XXXX used Telecheck to process the check. Telecheck claims paid XXXX XXXX XXXX immediately. No contact from Telecheck about problem reading the electronic form of check until XX/XX/XXXX. Was informed debt was transferred to Telecheck and they are using XXXX XXXX XXXX to obtain payment. XXXX XXXX unaware of being paid by Telecheck for this amount.
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing frustration and dissatisfaction regarding the repeated unsuccessful attempts to correct late open accounts and remove late closed accounts from my credit report. Despite multiple disputes, these inaccuracies persist and continue to have a detrimental impact on my creditworthiness. I request your immediate attention to resolve these issues effectively. 

I have previously submitted documentation and information to support my claims during each dispute, yet these inaccuracies remain unresolved. I kindly request that you conduct an immediate and thorough investigation to rectify these issues, ensuring that my credit report accurately reflects my financial history. 

I expect that you will complete this process within the legally mandated timeframe and promptly inform me of the resolution. 

In compliance with the Fair Credit Reporting Act, I also request a written explanation of the steps taken during your investigation and any changes made to my credit report. 

The continued presence of these inaccuracies on my credit report has caused significant distress and continues to affect my creditworthiness and financial stability. I implore you to address these issues urgently and effectively. I am asking for your immediate assistance to correct or remove the accounts : XXXX XXXX XXXX XXXX Balance Owed : {$160.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX Balance Owed : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

XXXX XXXX & XXXX XXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto.