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

I opened a high-yield savings account with BMO in early XXXX of this year. It advertised a daily external transfer limit of {$10000.00} and a monthly limit of {$25000.00}. 

After repeated problems early on with making deposits, including my account being frozen multiple times with no explanation, and waiting days each time for the hold on my account to be released and get back access to my funds, on XX/XX/XXXX I made my first-ever withdrawal from the account for the daily maximum limit amount of {$10000.00}. The following day, I scheduled a withdrawal of {$7200.00}, below my daily maximum limit, and clearly below the {$25000.00} monthly limit. 

I received an alert on the XXXX that my transfer had been canceled for exceeding my limit. Sure enough, the app showed my daily limit still as {$10000.00}, but my " remaining today '' limit was {$5000.00}. I used the chat feature in the app to speak to a representative. She was unable or unwilling to explain why my daily limit had been cut in half after the first time I'd ever withdrawn my funds from my account. She would only say, " You can only transfer 5k, you can not go over the 30-day limit. '' Which of course makes no sense because I wasn't close to going over my 30-day limit. 

I don't have the option of going to a branch to get my money ; the nearest branch is hundreds of miles from me. I need to be able to access my funds through their online banking. 

I feel as though BMO is arbitrarily blocking my from accessing my own money, and violating their own terms of service. I need to pay my taxes, and now I will not have the money in time.
Product: Debt collection

This company calls my number every day, sometimes twice a day. They are attempting to collect a debt owed by the previous owner of my phone number.
Product: Debt collection

Hi my name is XXXX XXXX, I am seeking advice in regards to a judgement that has been placed against me by XXXX XXXX XXXX. The case has been turned over to Kohns law firm. I was not aware of this judgement until recently when I checked my credit and reached out to XXXXXXXX XXXX XXXX to inquire about the collection and was told it was on a legal hold. I was never sent a letter or any other notice or phone call stating this was going on or given opportunity to take care of the problem before it got to this point of a lawsuit. I have reached out to the law firm and was told they had a court date coming up in XXXX but they will not give me the date or any other information.I have not been served anything in regards to the matter. When I call I feel they are only trying to collect information against me and not allowing me to rectify the situation. At this point I am unsure of what measures I can take and can not afford anyone to garnish my wages.
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

1 ) XXXX XX/XX/XXXX 2 ) XXXX  XX/XX/XXXX 3 ) XXXX  XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Credit card or prepaid card

I have previously filed a complaint with CFPB, XXXX and with Chase. They told CFPB that they refused my fraud claim due to similar IP address although I just called and tey told me over the phone that they refused my dispute due to the fact I was able to login and access my account and because I made payments on the account which is not the same reason they gave CFPB. 

It is obvious that Chase is trying to use tactics to instead abuse their clients rather than adhere to the laws and benefit their customers in a clear fraudulent case. I will be attaching the voice recording to this complaint. 

It seems that Chase is blatantly trying to avoid being held responsible for their lack of security and trying to place the down fall of it on their customers rather than protecting them. 

I hope that CFPB takes this serious and helps to keep the consumer protected. 

PS : It says I can not upload documents over 10 mb and my audio recording is over 10mb. 

I can send this via email if needed.
Product: Vehicle loan or lease

This is my third complaint about the deceptive, abusive, practices at Ally Financial.

On Friday I once again tried getting my account number to pay my account because I am still locked out of the online portal and still no one has called me to help or returned my emails. It took 35 minutes to get my account number! AND to prove my point that I was late because of their issues they were looking up a old account that is NOT active anymore! This is why my original payment most likely never went through. 35 minutes just to get my account number! The agent on the phone was purposely putting me on long holds and toying with me. Just listen to the call. I was in the XXXX  with my father who is XXXX and they took that time from me! How dare you continue to retaliate and abuse me. Now you have force me to pay a convenience pay when I have no other free way to pay. This is illegal in ALL states for auto loans. I have told you multiple times via complaints, emails, XXXX complaints that my account is locked and not once has anyone called me to help. This means you have forced me to pay fees to make a payment. How many other people are you deceptively doing this to? In the previous complaints I attached documentation showing the locked account and the issue with the website. You can pull the call where the agent had issues getting me correct information.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against [ Experian, XXXX, and/or XXXX ] for their failure to properly investigate disputed items on my credit report, despite multiple attempts to resolve this matter in compliance with the Fair Credit Reporting Act ( FCRA ). 

Over the past 9 months, I have sent multiple dispute letters via certified mail requesting an investigation into inaccurate items on my credit report. Each letter included clear identification documents a copy of my drivers license, Social Security card, and proof of address to verify my identity. Despite providing all required documentation, I have not received responses from XXXX or XXXX stating they received my letters and Experian received my letters and responded saying they do not believe they were sent by me. This is a clear violation of the FCRA, which requires credit bureaus to conduct a reasonable investigation of consumer disputes within 30 days of receipt. I have mailed multiple compliance letters and provided all necessary documentation, yet the credit bureaus continue to ignore my dispute requests. Their refusal to investigate my disputes is causing ongoing harm, including negative impacts on my XXXX XXXX, denial of credit opportunities, and financial distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

My most recent loan does show on there platform. it is being report by the other XXXX XXXX credit bureau. I have tried to contact and followed information to this company.
Product: Credit card or prepaid card

I am writing to ask for help in a dispute over the Citi Thank Your Preferred Card. I was charged approximately {$72.00} in XX/XX/XXXX for an XXXX on a card that was never activated. The card charged on XXXX 's end had different digits than the card I had originally saved 4 years ago ( and had expired XX/XX/XXXX ). The new card was charged but never activated on Citi 's end. 

The new card was never activated nor used. But somehow, XXXX updated the payment method and populated it with the new card information including a new expiration date, even though it wasnt active. I spoke with the XXXX team and they said that when they charged a card, they have to get a confirmation from the credit card company that the card is indeed active before they charge can proceed. What I dont understand is how they were able to charge a card that was never activated. When Ive tried to book XXXX or another service with an expired or inactive cards, I will get an error. But XXXX charge went through. I didnt realize this until XXXX of XXXX. Since I no longer used the Citi card, I wasnt receiving statements or bills to inform me of the charge. As a result, I didnt learn about the charge until XXXX, by which time multiple late fees were charged to that original {$72.00} charge. It is now over {$260.00} and has gone to collections, which has negatively affected my credit. Ive never missed a credit card payment and my credit score was 700+. But I am afraid that this incident has seriously dinged by credit score in the interim.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX under the account number XXXX and a collections account opened at I XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$710.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

XXXX XXXX  XXXX did you have relation with this company on XX/XX/2020? Yes or  no? 
XXXX words or Less why didnt you follow the law and report this account the right away and legal way? This is unacceptable and I demand you to remove XXXX right now.
Product: Debt collection

Dear CFPB Thank you for hearing me again over the last 8 yrs. we have been dealing with several accounts that was done by Fraud/ Identity theft. When I was living out of the country for those 8 years. You guys helped me get these accounts removed over 6 times in a 5 yr period. 
The creditors found out they was fraud and removed them as you guys recall I had to get the police and Attorney General involved. Now the same company has Sold the account to the Collection agency thats listed. 
My Life has been destroyed if you guys recall I been fighting this for years and even had a massive XXXX XXXX over it, and I have been rejected from Jobs, school even a place to live. Im XXXX because in my city you cant have collections you cant rent. Even someone had got two evictions on my name when I was out of the country. 
I went to save lives and my life was being destroyed, the collection agency has been Ruthless and pure evil to me, not wanting to listen or even understand. I also the collections agency put it meets FCC regulations and I Agree it should be on my report. I DO NOT AGREE, and the company Lied and stated I agree. 
I swear on my soul my Identity had been stolen back then and even I had Several Security breaches from the DOJ because I support victims of XXXX. I cant get Hired with these collections.

Im not a liar and I promise you I did not open the account and I had proven that several times, the issue is how much more suffering will I go through. Because I was found incent and when they SALE these accounts it start all over. 
With my line of work with victims of XXXX I cant have collections, or I would get fired, and I did not do these things and should not have to pay for these things. The collections are not large but still I did not do this. And to suffer from 2013 to current is insane. 
IM XXXX OVER THIS AND CANT GO BACK TO WORK UNTIL ITS CLEAR. They dont want to see anything thats negative. why do I have to lose my whole life and now during a pandemic every time this pops up on my reports, I get Fired and lose my Apartment. Because they check our credit monthly. 
I need you guys Help again to get this deleted please completely and for them to stop asking me to send more documents, because they dont have full documents and they are using what I sent in against me to build a case to stick me with a bill I dont owe. 
DID YOU GUYS KNOW THATS WHAT THE COLLECTION AGENCY BEEN DOING TO ME? and they called my Daughter and her boyfriend also a Co worker who I have not seen sense i was fired. Im dying out here help me get this deleted again. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This problem is the same issue I had with 5/3 bank XXXX. Please reference my previous complaint. I made a transfer from my 5/3 Bank checking account to my 5/3 mortgage online prior to the days cutoff. The transfer was made on XX/XX/XXXX around XXXX XXXX. This is before their transfer cutoff time and during normal business hours of branch operation. The next morning I checked and the payment was still in a pending status. This must have been due to an issue with their online banking. The transfer was kept in a pending status until XX/XX/XXXX. Instead of posting the payment on the XXXX they posted it on the XXXX even though I made the payment on the XXXX. They then reported me over 30 days late to the credit bureaus. This is a regulatory violation and they must post the payment on the date they received it even if it takes them longer to process it. They need to remove the 30 day delinquency from all 3 major credit bureaus. Again, this is the SAME problem that I filed in XXXX and you can see it in my dispute history.
Product: Checking or savings account

On XX/XX/2021 the posted balance on my account was {$200.00}. On XXXX 's mobile app the next transaction is shows as occurring on XX/XX/2021 which is an ACH automated debit. However several transactions occurred prior to the ACH transaction which were Credit Sales and did not immediately reflect in the actual balance, " but they should have since they were not POS transactions ''. It appears that XXXX deliberately charged an overdraft fee when their system did not reflect a true balance following credit charges which must be approved at the time of sale and reflect as deducted. For example " all of the transactions in question are listed as occurring on XX/XX/2021 when the funds were charged " on different dates and times '' and set aside as Credit Transactions, these Credit charges should have debited from the account at the time of purchase, " Credit is Credit and POS requires a Pin Number and may have pending holds. My point is XXXX did not reflect an actual true balance following Credit Charges based on funds available " it is approved or declined, when you do not have enough money on a credit card transactions are declined ''. By manipulating the posting date of the credit XXXX transactions to XX/XX/2021, they are able to charge a {$38.00} for the ACH transaction and profit using this manipulation. If the online mobile application had reflected the actual true balance I could have simply used my other bank " which never does this to me '', or deposited funds to avoid the manipulated applied {$38.00} fee. To be fair, " I am a customer who will seek legal recourse and/or relief for such manipulation from banks. Banks will always claim to be in the right, but holding Credit transactions as if they are POS Debits is unfair to consumers. XXXX posted 10 transactions on XX/XX/2021 and decided to place the ACH Payment BEFORE the other transactions to benefit from a {$38.00} fee. Here are the transactions and dates " ALL CREDIT '' none were POS Debit. 

XXXX XX/XX/2021 Charge - XX/XX/2021 Charge - XX/XX/2021 Charge - XX/XX/2021 Charge - XX/XX/2021 Charge - XX/XX/2021 By placing the ACH transaction first they are able to manipulate the available balance. Had the actual balance been correctly reflected after each CREDIT transaction I would have known to deposit additional funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Payday loan, title loan, or personal loan

I was charged a late fee although I've paid {$700.00} over two payments, on time, in the past two weeks. This is more than twice as much as my minimum payment.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter via certified on XX/XX/XXXX, to Transunion, XXXX and XXXX asking to investigate the reporting or validate the debt of these accounts I have listed. Its been over 30 days and I have not received a response. This is violating my FTC rights. 
XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

I have been requesting all three credit bureaus for well over a year to remove my bankruptcies as well as my student loans from being shown as public property and is ruining my credit because they are derogatories. I can't count how many times I've requested my address to be based only foXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX  as my only address but they refuse to remove multiple addresses located all over XXXX XXXX XXXX  as well as an old XXXX XXXX in  XXXX XXXX, I have requested numerous times to remove XXXX XXXX XXXX who is on bkXXXX discharged as ofXX/XX/XXXX but they keep popping up on my credit report even as of this date XX/XX/XXXX ; not only XXXX XXXX XXXX  but also XXXX who is on bkXXXX, XXXX XXXX XXXX who is on student loan deferment program because I am XXXX, XXXX XXXX  who been paidXX/XX/XXXX because I used them for one month pre paid service to stay in an emergency circumstance as a weekly apartment along with all their multiple collection agencies that appear as some type of holdings or securities payment through my disadvantages with them that are fraudulent $ XX/XX/XXXX,. XX/XX/XXXXabsolutely refuse to be off my credit bureau and I found out they said I have some type of loan with them for a car/house or both that is false. XXXX XXXX is a fraud account I have never applied for as well I keep requesting to be moved but yet in still they are present on XXXX XXXX. I would like my bankruptcy case # XXXX  filed XX/XX/XXXX discharged XX/XX/XXXX to be removed from public access on my credit report as well as my student loans to be removed from public access on my credit report for the amount of {$54000.00}. I have sent multiple request to remove as well as received documentation from the Bankruptcy Court District of XXXX XXXX XXXX. stating that they do not authorize or give consent to reporting my bankruptcy on my credit report.
Product: Checking or savings account

I was a victim of a phising scam - my bank is not helping me solve the issue. 
Not only will they not cover the lost funds, they are refusing to change my account number. 

The bank is USAA. 

The funds were wired to XXXX XXXX - and a quick XXXX search shows several XXXX postings of known fraud and scams. 

They sent me a letter that said there was no fraudulent activity.
Product: Vehicle loan or lease

Car was repossessed do to loss of income They told me owed XXXX I asked can I see how much the car was sold for at auction they told me an amount I asked for the receipt and never recieved it and I also tried to make a payment plan with them to lower my debt but canceled it and they are still trying to take money out of my account
Product: Credit reporting or other personal consumer reports

Hi, these companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted TransUnion and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Product: Vehicle loan or lease

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XXXX XXXX 30 days late as of XXXX XXXX 60 days late as of XXXX XXXX 30 days late as of XXXX XXXX 60 days late as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Vehicle loan or lease

On XX/XX/, a company called Westlake Financial ( Portfolio ) repossessed my vehicle without providing me with any prior information or an order. I protested against the repossession of my vehicle as I have requested information from this company since they took over from the original lender. Westlake claimed I missed a payment after taking over my loan. Despite presenting payment information, they requested more without resolving the issue. The repo man was disgusting in his behavior even pulling off with me still physically attached to my vehicle. I must now go to the XXXX  to have myself examined due to my injured XXXX  XXXX. He called Police Officers who threatened to arrest me for a civil matter when the man responsible for repossessing my vehicle was the one who was breaching the peace. The Officer stated that if I did not get out of the vehicle, I would be making matters worse for myself. I was publicly humiliated by this company and their repo company for an issue they deliberately neglected. It seems like they acquired my previous lender and are going to any lengths to recover their investment by unlawfully repossessing as many vehicles as possible. The repo driver told me that he had confiscated several vehicles for this company this week. He said that we, as the victims, should file a class action lawsuit.