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

The letter received from BOM did not explain why they closed my account.

BOM Discriminated against me and violated my Constitutional and civil rights by questioning transactions that I made for my friend who is a political prisoner in Washington DC. 

In XXXX and XX/XX/2023, I had XXXX transactions " money deposit '' to his commissary account while he sat in jail in the District of Columbia waiting for his trial. 

In XX/XX/2023, I received a call from the BOM questioning Commissary Deposits that I made for my friend and the Deposit made to his Fundraising account.

I was at work, so I was not able to speak with them. I asked them to send me a letter with their questions and I will reply.

Soon after I received a letter that I already submit a copy to CFBP.

The letter informed me that BOM was closing my account with no explanation.

I need CFPB to investigate BOM for the violation of my CIVIL RIGHTS and CONSTITUTIONAL RIGHTS and Consumer Financial Protection Law as well as any other law that BOM violated under the federal and state constitution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I not only called BMO Harris in an attempt to get them to investigate an improper portion of a charge on my credit card ( ending XXXX ), but sent *four* written notices, including by fax. The company has refused so much as to investigate the improper charge, which is their duty under the Fair Credit Billing Act. 

I notified them immediately that I had been charged a 'fee ' that XXXX XXXX varyingly described as their own optional fee *and* as a 'tax ' ( it is almost certainly not the latter, since taxes were listed separately, once I was permitted to view them ). The charge for my mobile service was only ever advertised as {$180.00} ; I assumed there would be some tax when paying, but not 12 % worth ( which does not jibe with sales tax ). The total charge was never revealed until after I paid with my card, and I was never sent an itemized bill ; it was only after some digging in an online account that I managed to find the accompanying itemization. The fraudulent amount is {$17.00}. I was only ever able to reach XXXX XXXX customer service once ( they have no electronic or mail addresses that are public, so calling is the only way to reach them ), when the CSR told me it was a 'tax ' and then, when I asked to speak to a supervisor, disconnected the call. 

To be clear, whether a 'recovery fee ' is legal or proper or not ( and I have no idea, as the only explanation I ever received or found was that it is a 'fee ' or a 'tax ' ), this needs to be stated up-front not only listed *after* the customer pays! 

This deceptive charge is obviously unacceptable. However, it is BMO Harris that could have helped resolve the issue of the phantom charge, but simply has refused to even address it, which baffles me. When I called the CSR refused to investigate, only telling me to talk to XXXX myself going so far as to connect me to their customer service again! 

Attached are the itemization I eventually found ; the screens one sees before purchase ( note that they only state {$180.00} mine is the 12 month/ 3GB ) ; and the third written notice, which I faxed ( there I state 'final ', but I did try one further attempt in secure messaging ). 

I have tried over the preceding 2.5 months, with my many notices to BMO Harris, after my futile attempts with XXXX, to get them to assist me ; regrettably, I feel I have no choice but to ask the CFPB to enforce consumer rights when a company blatantly shirks its duty under the law. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, IL XXXX Disputed Credit Charge Credit Account Credit Card - XXXX Transaction Date XX/XX/2019 Merchant Name ( as it appears on your statement ) XXXX XXXX Transaction Amount ( excluding fees ) {$200.00} Disputed Amount {$17.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX Date opened : XX/XX/XXXX Balance : {$5000.00}, XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date opened : XXXX XXXX XXXX  Balance : {$0.00}, and XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}. Also, Please remove this account- XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$410.00} from my file. The bank made an error with my statements & the bank agreed to remove it. Please remove ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record & XXXX XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX  XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Checking or savings account

On Wednesday, XX/XX/2021 at the chase bank located at XXXX XXXX XXXX XXXX XXXX, CA XXXX I entered the branch to cash a check from my employer drawn on Chase bank. At the time my Chase checking account was overdrawn approximately {$60.00}. The teller refused to cash the check from my employer - drawn on Chase bank and from an account with available funds to cover the check - because my account was overdrawn. I asked for the branch manager to get involved. After explaining the situation to the branch manager, again my request cash the check was refused by the bank. Furthermore, the branch manager refused my request to contact the internal compliance auditor for their area to verify the practice he was implying was legal as I informed him it was illegal per my experience working as a branch manager for XXXX Bank in Texas and a service manager and banker for XXXX XXXX in years prior. 

The bank forced me to deposit the check in my account although it was drawn on Chase to cover the overdrawn amount prior to receiving any funds. The bank took my money hostage. The branch manager refused to double check the practices he was employing were compliant with regulations despite being cautioned that the practices were illegal.. This is not OK.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, there was an inquiry on my Equifax credit report for a XXXX Credit card that I never applied for. On XXXX XX/XX/2022, I called Equifax to let them know I never applied for this credit card. The agent told me based off of contact information provided on report it looks like fraud and in order for them to remove it, I need to report it to the FTC. I am creating this report to not only have this inquiry removed but to report that I a victim of Identity theft and fraud.
Product: Checking or savings account

Today I tried to open an account wi th Wells Fargo. I   already have a previous joint account with them. It sent a form back from   XXXX   XXXX   XXXX   not allowing the account to be open. My home was burglarized back  in 2012    and I have been experiencing identity theft since then. The accounts open in my name with wells fargo and other locations they are using the wrong social security number, They are changing the last digit from a  XXXX  to a  XXXX  and its still allowing them to open things in my name.
Product: Student loan

I have been struggling to pay back my student loans - sallie mae/XXXX told me that outside of forebearance almost {$600.00} per month is the least I can pay and they do n't have other options. I have since ended up in default. That being said, as one would expect I receive calls everyday and even multiple times a day. Again all of which is expected. What I did not expect is that they have been calling random people that are possibly associated with me that I do n't even know where they got their information! Previously, they have called my mothers house but today they called an old friend who has no knowledge whatsoever of my finances, and left him a message too!! I ca n't believe they would do that! I want this to stop right away! I ca n't pay them because they wo n't even try to work with me and now they are harassing everyone! ****I am attaching a screenshot of my voicemail and a screenshot of the text from my friend so you can see the congruency of information.
Product: Checking or savings account

TD Bank puts a six day hold on every single check we deposit. They even put a six day hold on a CASHIER 'S CHECK from a major bank. Would you please talk to them. It's a really bad customer policy.
Product: Credit card or prepaid card

I contacted USAA credit card department on XX/XX/22 in regards to my USAA Visa credit card with them. The card is now at a XXXX XXXX interest and it is becoming harder and harder for me to pay this bill, especially when more than half of the payment, is going towards this interest. I explained to a representative my situation and that I needed to place this card under hardship, even if it meant closing/freezing the account, as long as I can get out of debt more realistically. The representative put me in a XXXX hold and later came back stating that unfortunately they did not lower interests for accounts. I asked XXXX more time that I understand but that based on my situation I understand if the account will potentially be closed, USAA closed my checking account with them already after more than XXXX XXXX of membership, so my only priority was to get out of the card debt sanely, and that I was not expecting to keep the account open for the payment arrangement so I would not be using it. She once again put me on a XXXX hold and came back stating that she was sorry but that the option I was requesting was not offered by XXXX.
Product: Student loan

As a customer of Ameritech Financial I was not informed that the forms that I filled were available for free and that their service was unnecessary as I filled out all the forms and mailed. I am also concerned about identity theft because I have give out some very sensitive information ( such as XXXX in username and password to my XXXX XXXX account and website ) Im afraid that im involved in fraud. Ameritech Financial did not make payments towards my loan and my interest has been accumulating.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a debt that was sold and should no longer be reporting on my credit report. The debt in question was sold to a third-party collection agency but is still being reported by the original creditor, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 



Identity Theft and Data Breach Impact I am a victim of identity theft as a result of a data breach. I have contacted the Federal Trade Commission ( FTC ) and filed a report, which is attached for your reference ( FTC Report Number : ) This breach has compromised my Social Security number and resulted in unauthorized accounts being placed on my credit report. 


XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX 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

XXXX, XXXX  and Equifax failed to do a proper investigation regarding XXXX XXXX XXXX, and as a result kept it in on my report. By failing to do so, they behaved illegally by breaking Federal laws. XXXX XXXX XXXX committed identity theft by having it reported to all three bureaus by claiming I owe this debt when this isn't the case.
Product: Debt collection

On approximately XX/XX/2016 I was contacted by a person who claimed to be a courier. He stated he had an important paper for me. When I asked what he stated " maybe a summons '' I asked who he was delivering it for and he provided me a phone number. I called the number and spoke to a representative who stated that they were a pre litigation company and were contacting me to see if I wanted to pay the bill owed to XXXX . He further stated that he worked with an attorney in the office who represented XXXX and that he would see if they would take a settlement. This representative never informed me they were a debt collector and that they were attempting to collect a debt. They stated that XXXX may still want to take me to court even if I paid. Fearing a lawsuit I paid them {$980.00} with a credit card. The representative further stated that they would send me a letter to submit to the credit bureau 's to have the charge off removed by XXXX. When I did this the charge off was not removed. I called XXXX and they stated that they had sold the debt to Blackrock and that the charge off would remain on my credit bureau for 7 years. I paid Blackrock under the believe by their statements that they were attorneys planing to sue me and that by paying the debt I would have the charge-off removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prestige Financial services is reporting a late payment for XX/XX/21. The major credit bureaus are requiring a letter from Prestige stating there wasnt a late payment made XX/XX/21 and the company is refusing to provide the letter that is needed to correct this problem. I have called Prestige and was told someone would call me back and. I have yet to receive a call back. I need a letter from prestige stating there wasnt a late payment XX/XX/21. Prestige sent a payment history instead of sending the letter that is needed to fix this problem. Prestige continues to mark the complaint duplicate instead of fixing the problem.
Product: Credit reporting

There are XXXX inquiries on my report which I have never authorized and I have asked Experian to please review and remove them from the inquires off of my file. I never authorized XXXX XXXX XXXX, XXXX Bank, XXXX or XXXX XXXX to pull my credit report. Yet, I have inquires from them reported since XXXX years ago. I have tried to contact Experian regarding these incorrect items and I have not received a response for my letter mailed on XXXX XXXX. I do not understand what is going on. These inquiries are affecting my student loan interest rates and I would like Experian to do the right thing and remove them and investigate these companies that have accessed my account without my permission.
Product: Credit card

I have 4 synchrony credit accounts, MasterCard, XXXX XXXX, PayPal Extra 's MasterCard and Amazon Store account. They started charging a fee of {$1.00} for paper statements, however, I only receive the PayPal MasterCard statement. The others I do not receive an ebill, or a paper bill. I do receive late notices via email .... But no bills??? 

This is not acceptable. If I get paper, they charge a fee, which I will not pay. But they do not send ebills, only late notices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Alabama XXXX XXXX : XXXX Upon checking my credit file with your company I noticed that your company has been reporting incorrect information. The Fair Credit Reporting Act states that only fair and accurate information should be reported to a consumer 's credit file. I ask that your company correct this information as soon as possible. The following addresses, hard inquiries, and accounts should not be reported to my credit file, please remove this information from my credit file.
Product: Debt collection

In the beginning of XX/XX/year>. I noticed that the XXXX agency listed a collection against my credit report by the Radius Global Solution collection agency based in XXXX MN. I promptly disputed the collection through XXXX and after 1 day I received a report that determined that this was a legitimate debt. When I asked about any details about this debt or how XXXX determined that it was a " legitimate debt '' the representative explained that they are only a reporting bureau and not the agency itself. Realizing that representative probably knew nothing besides what was on the computer screen I asked the representative for the contact information which she gave me. I then called the Radius Global Solution agency and I explained the situation. First, the representative explained that the account name ( listed as my nickname ) was the wrong name. I explained that I have gone through this farce over 4 times with collections agencies and credit bureaus. I politely suggested that she speak to her supervisor on this matter as to how to proceed because if I could not get the information needed to clear my credit report then I will be forced to pursue legal action. After a few moments, the Radius Global Solution representative gave me the account number of the collection, the original creditor XXXX XXXX XXXX cable and the address that the cable was receiving the cable service ( an apartment in Texas and I live in NJ ). After this she explained how I could go to XXXX XXXX XXXX directly and explain that I was victim of fraud. XXXX XXXX XXXX 's process requires me to provide a police report of fraud and documentation that I was residing in. It almost seems to me that XXXX XXXX XXXX is attempting to make it so difficult that a person will just settle and they or the collections agency can make a few bucks in the process. Needless to say, they chose the wrong person.
Product: Mortgage

I received a letter in the mail from XXXX lending stating I had " available funds '' and it looks like a government letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE LATE ACCOUNT IS STILL FOUND AND NEEDS TO BE UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance : {$16000.00}
Product: Credit reporting or other personal consumer reports

SVNOVUS/First Digital reporting monthly to XXXX that XXXX have a delinquent and unpaid account. Over {$6500.00} in a unsecured credit card. 

Called SVNOVUS XX/XX/year>, told need to call First Digital Called First Digital XX/XX/year> told nothing in my name but old closed account. 
Cant help me. Told need to call XXXX XXXX XXXX XX/XX/year> Cant remove delinquent account as they are being notified monthly to post against my SS # Called SVNOVUS and First again XXXX, will NOT help me told repeatedly no information exists. Asked to connect me to the department that sends information to Credit agency 's Neither would comply Called First Digital XXXX told nothing in my Cant help me. Then called First Digital XX/XX/year> and was told by supervisor he would uncover and call me back. Nothing. 
Called First Digital XX/XX/year> told to write letter which i did and mailed. 

Called First Digital XX/XX/year> and told no letter ever came or on file. Nothing they can do.