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

the bank is supposed to honor a {$200.00} new account bonus, as long as i has a direct deposit from a paycheck. 

I have contacted the bank probably 5-6 times, and i have already submitted a CFPB complaint. 

The company 's response to my last CFPB complaint is invalid. They are advizing that my " direct deposits '' do not qualify - yet they have no valid reason to say this. Their frontline reps already tried telling me the direct deposits are not valid - when i showed them pay stubs from an employer, they came up with a new reason of why i do not qualify for the bonus. So, BMO already has my pay stubs on file, yet they are asking to see them again. What is going on? - EXPLAIN TO ME HOW MY DIRECT DEPOSITS DO NOT QUALIFY????????????? ON WHAT BASIS ARE YOU SAYING THIS??????????????????????????????????? READ YOUR OWN REQUIREMENTS, COMPARE IT TO THE PAY STUBS THAT YOU ALREADY HAVE ON FILE, AND EXPLAIN TO ME HOW YOUR REQUIREMENTS WERE NOT MET!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

This is a copy and paste from their response to my previous cfpb complaint : " Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$300.00} or more each electronically deposited into the account from an employer or outside agency within 90 days of opening. We reserve the right to request documentation that the direct deposits qualify. '' P.S.
If you are going to try to deny my the bonus once again, i kindly ask that you read the emails ive already sent your company. Like ive already mentioned, youve come up with 5-6 completely false excuses to deny the bonus - each time i have replied to your company, disproving the excuse, and then you just come up with a new one.
Your company 's response to my previous CFPB complaint was already disproven in my 2nd of 3rd email to your company. Please respect my time as well as your time and read the emails so that you dont try using an excuse that has already been disproven.
P.S.S : i am attaching a copy of one of the pay stubs which proves the direct deposit come from an employer. BMO Harris has on their records this deposit, as well as the 2nd deposit  from the same employer which makes me qualify for the {$200.00} bonus becuase both deposits are mroe tahn {$300.00} and happened within 90 days of account open.
Product: Debt collection

Debt was disputed with Receivables Performance Management, dispute is attached. Receivables Performance Management received dispute on XX/XX/XXXX, proof attached. 

I have yet to receive any response from Receivables Performance Management. 

Pursuant to XXXX XXXX XXXX, when a debt is disputed all collection efforts must cease. Receivables Performance Management, is still communicating with me indirectly about this disputed debt through the medium of my consumer report Unverified debt to a CRA qualifies as a collection of the debt, ... .. Any subsequent reports to the CRAs violates 1692g ( b ) [ Semper v. XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX ] Reporting a disputed, unverified debt to a CRA violates this [ XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX Fed XXXX Appx. XXXX, XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. This account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX and I have never had a XXXX XXXX account and would like it deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter to all the credit bureaus plus creditors in regards to an account that was reporting fraud on my account. The account was removed for almost 2 months and now it has reappeared on all 3 bureaus, UNACCEPTABLE. I did not receive any steps on how this fraud account was verified, which is false. I am a victim of identity fraud and I have sent all docs confirming as well. That is illegal per 15 usc 1681b IF AN ACCOUNT IS NOT MINE IT CAN NOT BE FURNISHED. There is no wet signature or anything proving that the account is mine.
Product: Debt collection

I contacted First Collection Resolution and was transferred to Mr. XXXX ; he advised me of additional debts that are under my sons name. 

I advised him with springing this on me I was only prepared to settle the debts in my name reporting on my credit. 

I asked to speak to his manager several times and he said NO. He was very rude and insulting. 

I asked for payment of my debts the ones I inquired about on my credit be removed with payment. 

He stated he and his boss linked my accounts and only as a 1 time courtesy only if I paid the {$860.00} they would do it- I advised I was only prepared to pay the {$340.00} today and would make payments on the other debt however I need a letter regarding that amount and if I truly owed it. 

He began to raise his voice and tell me I only wanted a manager because I wasnt getting g my way and they had never spoken to me. 

He informed me of additional bills of {$66.00} again I was not aware of however told him I could take care of that bill however the {$450.00}. I would need to make payments if the debt was mine. 

I asked for a manager and his manager he said the operations manager doesnt take these types of calls and that I could email if I wanted to again refusing me the opportunity to speak with his manager.
Product: Money transfer, virtual currency, or money service

I work for XXXX XXXX  and joined an advance pay app affiliated to XXXX XXXX in approximately XX/XX/2020. In XXXX I began experiencing that daily pay was no longer making my wages available to transfer for a fee after hourly rates shifts was worked. Additionally after contacting them they alleged that I transferred XXXX or XXXX ( literally changed amounts from XXXX to XXXX ) and was overpaid by them when my post quarantine paycheck net was XXXX. She then calculated XXXX - XXXX = XXXX and said they would deduct XXXX from my next pay ( of XX/XX/2020 ). I argued that nothing provided that I was over drafting from the app nor did the app make that possible or notify of such a thing. They continued to not give me services that I received from the app before that would update automatically and make available my paycheck in advance where they could have deducted the XXXX. 
The daily app gave notification that On XX/XX/XXXX XXXX of XXXX pay check was sent to my account at XXXX XXXX XXXX bank. XXXX - XXXX is XXXX. So daily pay took XXXX from that paycheck and not XXXX and not indicating any over draft fees etc. 
Additionally my paycheck was never received from m & t bank. I called XXXX XXXX XXXX on friday XX/XX/XXXX. I contacted dollar tree corporate and HR in email XX/XX/XXXX and was replied to. I continuously called dailypay on friday and saturday XX/XX/XXXX and XX/XX/XXXX with correspondence in emails. Daily pay tried to blame XXXX XXXX XXXX XXXX  at the latest of several calls the others of which only said my pay was sent and no information. Dailypay has had no HR department availability either. 
I went to XXXX XXXX XXXX XXXX XX/XX/2020 and they accused that my pay is under another name. 
Attachments area
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take time and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process is unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. Experian is inaccurately reporting a {$11000.00} XXXX charged off account on my credit report. The account number is # XXXX and I have been disputing this account for months because it is not mine. In XX/XX/2017, XXXX removed this from my report because they verified it was not my account. How can it be possible, almost 9 months later, for Experian to come back and still say this account has been verified when it is no longer reporting on XXXX  and never on XXXX? I'm sending the same dispute for the same account with the same creditor. I have already called and spoken to representatives at XXXX and it turns out that the personal information on this account does not match mine besides a very similar sounding name. The representatives weren't allowed to give out more details since I was not the correct person and I was told I would need to send disputes to have this account deleted from my credit. I am being given the runaround when the fault is really with Experian and they are refusing to correct their mistake. This is why I am filing this complaint. Please see the attached confirmation letter from XXXX confirming this account was deleted from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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 an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XX/XX/2021 fXXXX XXXX XXXX XXXX for amount of {$590.00} I disputed this account and reached out to let them know this account was open fraudulent and that they need to remove this account from my credit report and it's still reporting no action has been taken
Product: Debt collection

I recieved a letter From Express Recovery Services, a collection company. XXXX, XXXX XXXX XXXX XXXX XXXX, Utah XXXX regarding a debt that had previously been discharged in a Bankruptcy.
Product: Checking or savings account

I tried a couple of times to close my account and withdraw all of the money in it and send it to an already linked account. They would always have an excuse as to why the transaction did not work. I am asking that my account be closed and the money be put into my linked account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, also have been affected by the XXXX Data Breach on a federal and state level. The following accounts are accounts that I have been affected by : 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

On XX/XX/2021, I submitted a written request to XXXX, Transuion, and XXXX asking that they remove the inaccurate addresses and jobs listed on my credit report. I also provided them with appropriate information which verifies my identity and also verifies my address. I also understand that XXXX, Transunion, and XXXX must contact me within 30 days to either notify me of the results of my request or provide me with an updated copy of my credit report. They have failed to do any of the above. Per the Fair Credit Report Act, ( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. '' As reflected, XXXX, Transunion, and XXXX is reporting inaccurate information which is against the law. 

Please delete the following addresses and jobs as they are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please list my address as the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Please list my job as the following : XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX. 

I have attached all letter that were sent to XXXX and also follow up letters that were sent to them as well with certified receipts. Please
Product: Mortgage

Received a forbearance notice from Freedom Mortgage compancy. I did not apply for or request forbearance. Forbearance XX/XX/XXXX to XX/XX/XXXX was put in place automatically. The notice states I dont have to repay it back all at once ; it doesnt mention I was a month ahead in my payments.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo bank company use Social Security card number to open a personal credit card on my credit profile for XXXX XXXX XXXX and XXXX. They can close the account out with remark saying account closed by consumer. Resulting in downgrading my credit. Wells Fargo also close three accounts of checking business checking and savings and reopen them to further their portfolios. I've contacted Wells Fargo and have nothing but run around with entry-level position people at the call center is what language barriers. If I were to use on my Social Security card number open a credit card committing fraud I would go to jail nobody has gone to jail.
Product: Debt collection

I have been disputing two credit card accounts with XXXX since XX/XX/XXXX and keep getting item was verified. On my credit report both accounts is listed as being sold to JTM Capital Management. I called several times never got an answer and also sent a debt validation letter certified mail return receipt on XXXX XXXX. I never received a response back from JTM Capital Management. On XX/XX/XXXX I called XXXX XXXX who is the issuer of the card and spoke with a rep name XXXX upon given him my social security number he said there was no account listed in their system with my name, address or social security number. On XX/XX/XXXX I reached out to XXXX again and made them aware only to be told that the account was investigated and the account has been verified. It seems unlikely that they were able to get a verified response when I have been calling for months and sent a validation letter and never received a response. Even when I called XXXX XXXX I was not in their system so how can these accounts be verified when XXXX supposedly reached out. I believe the credit bureau never verified anything and is refusing to remove unverified items off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and also sent out letters requesting to have unauthorized inquires removed. The inquiries reported on my Equifax are unauthorized and are not related to me or any lenders reported on my report.
Product: Money transfer, virtual currency, or money service

In XXXX of XXXX I purchased a XXXX XXXX XXXX from a fraudulent online website. It was over {$1000.00}. I told the bank about it as well as turning the company in to the XXXX. I just now saw the news about the lawsuit, and I would love to be reimbursed. I was thoroughly embarrassed by this situation and ashamed that I didnt see the company as a fake. Anyway I can find the specific amounts and the precise date. I just need to look through my account. I did tell the Wells Fargo. They were very nice but said they couldnt do anything about the money
Product: Checking or savings account

XXXX XXXX. The customer is a footnote. They have elevated process, no matter how dysfunctional and broken, to a worshipped idol status. 

Their automated " verification '' process is incredibly brittle and fragile, relying on external databases that are full of out of date information or have zero ability to deal with variants in normal language, ie XXXX XXXX rather than XXXX XXXX. Or XXXX XXXX rather than XXXX XXXX, XXXX and XXXX and so on. They also claim my house, XXXX XXXX XXXX, does not exist due to some secret database or claims I have moved, again based on some opaque source. If you are in the military with a residence and stationed somewhere else for mailing, you are in for even bigger unpleasant experience with Schwab. 

Faced with this breakage, you then take time of work ( and lose income ) to jump through various artificial hoops, sending in documentation, only for it to immediately break again or get completely ignored without feedback. The default position of Schwab is breakage, the opposite of XXXX or XXXX that works by default. 

Naturally this murky " verification '' ( and random freezing ) is done without notice, and only gets discovered at the grocery checkout or restaurant to maximize humiliation. The posts on XXXX and XXXX are full of this experience, yet its management is asleep at the wheel and has no idea how dysfunctional they are, and apparently its stockholders are also in the dark about how poorly the company is run. 

The process, when triggered, that is constant, auto freezes accounts without notice. To get money out becomes artificially impossible, or requires a {$25.00} wire transfer fee and waiting around to see if and when they might get around to doing it ( cue manual forms and more breakage ).

Schwab have eliminated options except claim a tax loss for casualty loss ( funds stolen by Schwab ) or start a lawsuit to recover what they have slyly expropriated. My feeling is they are doing this to systemically over their customer base to get effectively free deposits and a " float '' or this is a case of the process tail wagging the core functionality dog. No doubt they have scripted justifications, though never explaining why they are so bad compared to reputable banks. 

The end result is a huge drain of time on hold and jumping through hoops as a result of their process that cynically transfers all the risk and lost time and income onto the customer.
Product: Debt collection

CMRE Finance. XXXX XXXX. {$100.00}. 
Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.
Product: Debt collection

In XX/XX/XXXX I opened an account with Santander Consumer through a XXXX  branch in GA. The account was sold to me as a single use account to cover the purchase made that day.

I made all timely payments, always more than the minimum amount due. On a XX/XX/XXXX instead of paying the required {$25.00}, I paid the account in full for {$230.00}. In XX/XX/XXXX I received a statement for. {$0.00} cents. I called and asked why I had gotten a bill when I had paid in full. The employee stated that it was interest on the number of days between my last bill and time paid. I told her that was silly and it would now cost me more than {$0.00} to pay then. I was then told not to worry about it. I didn't.

Then in XX/XX/XXXX I got a call about an outstanding amount. I disputed that on the call making it very clear that the account was paid in full and closed. The calls continued. I disputed. No luck. Now they have place a derogatory mark for charged off with credit bureaus for {$250.00}. An account I paid in full, called and cared for {$0.00} and closed is impacting my credit score and I was denied a mortgage because I lacked the desired 720. If they are insisting on their {$.00} I will gladly pay it but they are refusing to remove this mark from my credit report. In 7 years I have missed one payment on a credit card, and with utilization of 31 % this collections which is incorrect, unfair and a money grab is impacting my ability to buy a home. I want this removed from the credit reporting agencies.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I used Coinbase and converted XXXXXX/XX/XXXX USDC to ATOM but only received {$2700.00} worth of ATOM. The exchange rate used was XXXX ATOM/USDC but that was wrong. The rate should have been XXXX ATOM/USDC because it was {$5.00} per coin when I exchanged it. I should have received XXXX ATOM minus the Coinbase fee but I only received XXXX. Transaction reference code XXXX. 
I have reached out to Coinbase a couple of times over a month ago but the only response I have received was a case number, which is XXXX.
Product: Debt collection

Wakefield and Associates texting me about owing them money, which I do not. I have XXXX debt, I dont owe them anything.