23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

After being a customer of  BMO 's for 8+ y ears, I had my first misstep. I have a checking account, savings account, overdraw line of credit and credit card through them. In  XXXX  of   XXXX  , I missed my first payments ever. It was an honest mistake, but I just forgot to pay the bill - a true human error. I was never called, emailed, texted or otherwise notified that I had missed a payment. I did n't realize that I had goofed until   XXXX   XXXX  , not BMO, let me know that I had missed a payment and my scored had dropped by  XXXX  points.     I called the company, apologized and admitted that it was a goof on my end but I also mentioned that I was never notified that I had an overdue payment. That helped nothing. They told me that there was nothing they could do to help me since it was " not their fault '' and that I could file a formal dispute.     Before filing the formal dispute, I went into a   BMO branch to explain to them what had happened. They seemed enthusiastic to help me since they could see that I had done business with them for so long, but I was also told by the manager of the branch that there was nothing she could do either and that I 'd have to follow up with the people who handled the credit cards directly. Needless to say, I filed a formal dispute with the credit card division within BMO and received response stating that the " information being disputed was verified as accurate and would not be changed. '' Document is attached.
I want to make it absolutely clear that I did not receive any communication whatsoever from BMO letting me know that my payment was overdue and I was at risk of a derogatory mark on my credit report. I think I received 1 voicemail from them after my credit report had already been hit. I never once asked that they refund me the late fees, I was perfectly willing to pay them. I only asked that they remove the derogatory remark from my credit report as I felt that there was something they could have done to help prevent the situation.
This all occurred after they completely wiped my credit card rewards with no warning. I would not recommend doing credit card business through BMO.   They have some serious work to do from a customer service perspective.
Product: Debt collection

I am not sure how this Happened but I was a ID theft victim and I have send paper work to the bureaus showing that and they still will not remove from my reports The debts do not belong to me Macys/DSNB XXXX {$910.00} XXXX XXXX {$630.00} Act # XXXX XXXX XXXX XXXX  XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX submitting you this CFPB Complaint today to request to once more to remove the fraudulent accounts and information being reported on my Credit File. I greatly appreciated your time and effort to remove a portion of the fraudulent accounts and information off of my Credit File, however, I still see that a lot of the fraudulent items are still being reported on my Credit File. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft. As I have complained before, I was a victim of identity theft and I never authorized anyone to use my personal information to open and use any of these accounts. Under the Fair Credit Reporting Act section 605b, I am requesting you to remove the following items off of my Credit File : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$2100.00} XXXX - XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXXXXXX Inquiry Date XXXX. XXXX, XXXX XXXX XXXX Date XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. Also, you have failed to send me copies of proof of verification or any documents for you to continue reporting the disputed items. If you believe that the disputed items belong under my name, I request of you to please send me any documents supporting your claims. In the absence of such documents, immediate deletion of the disputed items will be greatly appreciated.
Product: Credit card or prepaid card

I have contacted this company numerious times now and I feel like they are ignoring the issue and because there was no legitmate reason for closing the account after opening it, I feel think this was a case of discrimination. I have researched all the details of the opening of the account with all three credit bureau 's. I have made two complaints and provided facts and letters from the company itself that supported the reason for the drop in my credit and the opening of the account. I have contacted the credit bureau 's in effort to find out why they would do something like this to me, to find out that there is no reason for them to do this and I have talked to the ( XXXX ) XXXX  who has provided me with no information nor update nor concern for the complete devistation this has caused me. My daughter is getting married next month and I can not use my credit now because of this complete lack of consideration and care from this company. The day I tried to use the XXXX XXXX  card that was issued to me by Chase and it declined I called in and a manager looked up my account and asked me my name. He called me XXXX  like the vice president uses and he told me to please hold while he looked into the account. I believe he put notes on the account that day and he is the reason that this all happened. He then transfered me to a line that never picked up. I went on to days of being put on hold and transfered and given bad information and finally a young girl told me that there were notes on my account saying that they ( chase ) did not want a relationship with me. I had never received a letter stating such! I think he did not like XXXX XXXX and he put that there. I don't know what Chase is doing but they have runined my credit and I spent from XXXX on a program where I spent XXXX a month monitoring and bugeting and watching my credit so I could use it to better my life. They had no right to do this! According to XXXX JPMB Card Checked my credit XXXX  times XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX they closed a credit line dropping my credit a total of XXXX XXXX. That is just one XXXX.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX  XXXX # XXXX XXXX  XX/XX/year> XXXX  -- -- - UNAUTHORIZED INQUIRY 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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

I pulled my credit report and noticed fraudulent inquires. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX Data XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XXXX XX/XX/2021 I sent my daughter {$150.00}. and she told me she Never received the money because she lost that paypal card so she doesn't have access to get the money so She contact paypal who told her that the person who sent the money have to contact them so I did they then told me that the money would return to my Acct in 30 days and it's been over that time frame and I still haven't gotten my money back or any response from Paypal
Product: Checking or savings account

On  XXXX / XXXX / 17  a deposit was made for  XXXX . The deposit is made monthly to cover the BBT mortgage. No notification at the time of deposit was received at the  XXXX   XXXX  on  XXXX   XXXX  indicating that the funds would be held due to an old computer system being used. I did not notice until later when looking at my online account that the funds were being held. This deposit always clears during the nightly cycle. As such all transactions during that time frame caused the account to be overdrawn. The account experienced overdrafts of {$180.00}, {$36.00}, {$100.00}, and {$140.00} totaling {$460.00}. When I spoke with the branch I was told by the rep  XXXX  that they consider these held funds when taking the fund off hold. meanwhile, the funds had been withdrawn from my husbands account on  XXXX . This allows the money to be available t o BBT yet  not in my account. Additionally they now earned Overdraft fees by not releasing the funds for a week when they had them on  XXXX . I called to ask that the OD fees be reversed and they said they would only give  XXXX  dollars.
Product: Checking or savings account

Issue : On XX/XX/XXXX, a cashiers check that I purchased from Wells Fargo in the amount of {$5700.00} was stolen and cashed. For the past nine months, Wells Fargo has been avoiding reimbursing me for the amount stolen. 

History : XX/XX/XXXX : Claim opened for check fraud. I was told that the full amount of {$5700.00} would be deposited back to my account within 10 business days. CLAIM # XXXX XX/XX/XXXX : Claim closed by Wells Fargo without notice. 

XX/XX/XXXX : I contacted Wells Fargo to get an update on the above-referenced claim ; I had to ask that they open a new claim to investigate this issue. CLAIM # XXXX XX/XX/XXXX : Received a letter dated XXXX from Wells Fargo stating that they closed the claim. The issue of check fraud was not addressed. 

XX/XX/XXXX : Mailed a Wells Fargo form that I retrieved from online in order to get assistance with this matter. On this same date, I mailed a complaint to the New York State Department of Financial Services. 

XX/XX/XXXX : Visited a Wells Fargo branch to have a banker help me with this issue ( Note : This was the third time I visited a branch to get assistance with this issue ). I was told that the {$5700.00} would be deposited into my account within 10 days. CLAIM # XXXX. 

XX/XX/XXXX : Received a letter dated XXXX from Wells Fargo outlining the history of this case but not resolving the case. Note : Wells Fargo never called me on XX/XX/XXXX, and they did reopen a claim for this issue on XX/XX/XXXX ( CLAIM # XXXX ), as stated in this outline. 

XX/XX/XXXX : Received two letters dated XXXX from Wells Fargo to : complete another affidavit within 20 days ( new affidavit was mailed on XX/XX/XXXX ) and to inform me of their attempt to contact me ( which is not true ) and that they closed the case. 

XX/XX/XXXX : Received a letter from Wells Fargo stating that they are working to obtain a refund from the bank that accepted the deposit. 

XX/XX/XXXX : Received a letter from Wells Fargo dated XXXX stating that they need to complete another Affidavit of Check Fraud in order to proceed. 

**As of today, I have not received the reimbursement for the stolen check. **
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous letters, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$96.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I did XXXX instant transfer of money from my XXXX XXXX account to my PayPal debit card. - XX/XX/2024 Transaction # XXXX : {$150.00} ( there was a fee of {$2.00}, so the amount transferred to PayPal was {$140.00} ) - XX/XX/2024 Transaction # XXXX : {$5.00} ( there was a fee of {$0.00}, so the amount transferred to PayPal was {$4.00} ) PayPal showed that there was XXXX pending unclaimed transfers on my account. I never had any transfers show as unclaimed before. Shortly after, PayPal rejected the transfers, declining to accept the money to be added to my balance. PayPal Customer Service states that since the transfer was declined, the money was never received by them and the funds should have been sent back and refunded to XXXX XXXX. XXXX XXXX says, the transfers show that they were successful on their end and the money was delivered. They do not show that a refund was ever initiated by PayPal. I provided XXXX XXXX with proof that the money was rejected by PayPal, and they still close my case and do not issue a refund. I called PayPal customer support and they asked that I XXXX call Cash App XXXX XXXX can explain the money was never received and Cash App XXXX XXXX the call when they were notified that PayPal was XXXX the line. I have tried to open a case 2 times with XXXX XXXX and they decline every one. I am unable to open a dispute on PayPal, it says that there has been an error when I try. I have contacted Customer support on XXXX XXXX, 2024, XXXX XXXX, 2024, XX/XX/2024, XXXX XXXX 2024. Each time they state that there is nothing they can do as it shows they never recieved. they have a transaction ID for each transaction, ( XXXX & XXXX ) they are able to track and trace using that and they will not do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

they are saying I applied twice for a credit card and I did n't. then they refused to give me the card even tho I have good credit.
Product: Credit reporting or other personal consumer reports

They issue a XXXX without my knowledge they had all the wrong information about me. 
I didn't know anything about this loan until I saw the address on my credit report this loan was issued on XX/XX/year>.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXXXXXX opened on XX/XX/XXXX {$2900.00}, XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX {$2000.00}, XXXXXXXX XXXX XXXX XXXXXXXX opened on XX/XX/XXXX {$2000.00}, XXXX XXXXXXXX XXXX XXXX XXXX opened on XX/XX/XXXX {$850.00}, XXXX XXXX XXXX XXXXXXXX opened on XXXX {$140.00}, has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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

This is the third time I have contacted your company and you have still failed to delete the disputed accounts your company could not verify. After this letter, be advised that I intend to pursue litigation for the damages your company has brought to me and my family. Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 2 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law. The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. Thats all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ). I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law! The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. Just remember when we go to litigation and your company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. So once again, please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately, which I am sure you are already aware of.

You failed to verify & validate all data for the following accounts, please remove IMMEDIATELY : Account Name : XXXX  Account Number : XXXX ; Account Name : XXXX XXXX Account Number : XXXX ; Account Name : XXXX, Account Number : XXXX ; Account Name : XXXX Account Number : XXXX ; Account Name : XXXX, Account Number : XXXX ; Account Name XXXX XXXX, Account Number : XXXX ; Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Reason : pls verify and validate all data for this account, every notation, dates, and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account, and the collector needs to prove that this debt can survive collection, that they own this debt and the extent to which they can collect this debt and that all their details match the original creditor. Without it, must be removed.
Product: Credit reporting or other personal consumer reports

After reviewing my report. There are accounts on it that I do not recognize, please delete and update my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was charged with opening and non payment of an account by Discover bank. They did an investigation of the account. Said it was mine and I revived goods and services with their card, They also said it would be reported to the IRS. A very disgruntled form letter. 
They did. But they put a account number on it which I have denied in good faith that is not mine. Account # XXXX. 
Charges have been filed with the Mississippi Attorneys Office against the person who used all of the accounts you have so far invested on my behalf. Thank You XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 
15 usc 1681 section 602 states i have the right privacy 15 usc 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b A creditor may not treat a payment on XXXX credit card account under an open end consumer credit plan as late for purpose.
Product: Debt collection

I am writing to formally dispute an incorrect charge on my account. On, I shouldve been charged {$210.00}, but I later noticed an attempt to charge me an even higher amount of {$280.00}. This charge is incorrect. 

Phone Numenr XXXX Email on the account XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of dispute particular in the light of the recent CFPB lawsuit highlighting significantly issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transaction was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders exploit the system, leaving users vulnerable to scams.
Product: Checking or savings account

I opened an account with Chime a few days ago and transferred some money into the account. Then I realized I needed to transfer that money somewhere else, so I tried to transfer it back out of my account via the Chime app. 

The app disallowed the transfer, saying " Oops - Before you can complete this transfer, you'll need to activate your Chime card. '' I talked to their customer support, and they confirmed that although the account 's virtual card was already active, their software would not allow me to transfer money until I activated my physical card. That card is still in the mail, so I have no way to transfer the money out of the account as of today. 

Their customer support could not provide a reason why this transfer restriction is in place. I don't believe this policy benefits the consumer. 

While Chime 's terms of service do mention a few restrictions on new accounts that haven't activated their card yet ( Section I. C. 13. of their Deposit Agreement ), it does not mention this particular restriction on transfers. 

I believe that this restriction on transfers is not permitted, and Chime should be liable under 15 US Code 1693h for any damages that a consumer suffers as a result of Chime 's failure to initiate one of these transfers.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and trans Union are Putting Wrong Information On Credit Reports And Refusing To Change it Once I Disputed the fraud I have been a victim of identity theft. I have already notified the authorities and the Federal Trade Commission by completing an identity theft. 

My account is not being properly investigated Please delete the negative accounts from my credit report immediately. I didn't give permissible to furnish my information there's no reason for none of that derogatory information to be on there. FCRA section 604 ( a ) ( 3 ) 15 USC 1681 ( b ) 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) As you know it is against the law to report any information not proven accurate. 809. Validation of debts_ [ 15 USC 1692g1 Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA you must remove the account from my credit report immediately
Product: Debt collection

This company Credence Resource Management called several times about a debt do not have a middle name / can not give me SS number/ keeping asking me to supply it/ not address / no company I owe can not verify anything / feel as though they are fishing for info/ when I told them I was going to sue them they hung up