23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX I received a letter from BMO dated XX/XX/XXXX that they had closed my credit card account and that it would no longer be valid after XX/XX/XXXX ( yes 10 days prior to the letter even being written ). The actual credit cards expiration date is XX/XX/XXXX. I contacted BMO via the number in the letter and was told that the decision was made to close my account and they would not provide any rationale/reason for the closure. I asked to speak to a supervisor and the supervisor made the exact same statement. I then confirmed with BMO that my account 1. did NOT show a single missed or late payment 2. that each month the account balance was either paid in full or a payment many times the minimum payment required was remitted 3. that the account never went over the stated agreed upon limit BMO confirmed all of the above In addition I reminded BMO that my credit score runs between XXXX and XXXX consistently which they also acknowledged. 

My complaint is why can BMO close the account without any explanation whatsoever and how do I get an explanation? 

My additional concern is that this random unwarranted closure of my account will negatively impact my excellent credit rating that I have achieved and make sure to preserve?

BMO would provide zero information with regard to either of these questions/concerns/complaints. 

Therefore I am reaching out to this agency to provide some resolution as treating a consumer with a long standing excellent credit rating, and a historically excellent payment profile with a complete unwillingness to provide any explanation for closure seems complaint worthy. 

Thank you in advance for assistance with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and 15 USC 1666 ( b ) the former was reporting inquiries without my permission and the latter was truth and lending act and finally some misinformation like my name, address, and employer to my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

They ran my credit 2s without authorization from me. I called and asked for details on a heloc and they ran my credit both times within 5 days of each other. This company is a complete scam.
Product: Checking or savings account

On XX/XX/XXXX an scammer hacked my acct and made an online deposit for XXXX and contacted my son to return the money. He saw the deposit and informed the person he had the wrong person. The person began to send him threats via text and informed him to return the money via XXXX. As he did because he was scared and did not want any parts of the money. Once he informed me, I attempted to cancel the payments and was unsuccessful. He was not aware that this was an online deposit as this is his 1st bank account. I contacted customer service immediately and they informed me there was nothing they can do about the XXXX payments and go to the branch. I went to the branch and met with XXXX XXXX who is a Lead Associate of Operations. She assisted us with changing his user id and password and also verified that his account was accessed from a different time zone in the morning. We opened claims numbers : XXXX and XXXX for the fraudulent check and XXXX payments. I was informed to call the bank on XX/XX/XXXX to verify what type of deposit was made. I reviewed my statement and saw that this was a fake check that was deposited and was advised to allow XXXX business days for resolution. I made follow up calls XX/XX/XXXX and was informed that the check claim was cleared, and it was fraud but, the XXXX payment is still pending and to call back. I called on XX/XX/XXXX and spoke to an agent who informed me that the XXXX payment was approved on XX/XX/XXXX and to allow 10 days for the deposit to be refunded back into to account. That never happened! XX/XX/XXXX I spoke to a supervisor who informed me that I was provided incorrect information and there would be no refund for my original balance and the account is overdrawn {$580.00} due to the XXXX payments. I requested for the call to be pulled and to be honored. I have never received a follow up call.
Product: Credit card or prepaid card

I had opened an XXXX XXXX  and experienced fraud. I went though the process of doing claims and and the identity verifications for the XXXX. I was given direction to submit claims to Bank of America. A year later I still not have received my funds I am owed from XX/XX/XXXX - XX/XX/XXXX XXXX
Product: Credit card

On XX/XX/XXXX I sent two ( 2 ) letters via USPS certified mail to First Progress. Certified mail numbers XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX requesting documentation regarding the secured credit card account. I sent two letters because First Progress is reporting as 1STPROGRESSXXXX on my XXXX  consumer report and the address listed on my report is XXXX XXXX XXXX, XXXX XXXX, TN XXXX . First Progress is also reporting as SYNOVUS/FIRST PROGRESS ( CLOSED ) on my XXXX consumer report and the address listed here is XXXX XXXX XXXX XXXX, TN XXXX. So, I sent USPS certified mail number XXXX XXXX XXXX XXXX XXXX to SYNOVUS/FIRST PROGRESS ( CLOSED ) and I sent USPS certified mail number XXXX XXXX XXXX XXXX XXXX to 1STPROGRESSXXXX because the companies are reporting as different names and addresses so I wanted to be sure I was reaching my intended party. 

SYNOVUS/FIRST PROGRESS ( CLOSED ) received the letter ending in XXXX on XX/XX/XXXX at XXXX and 1STPROGRESS/XXXX received the letter ending XXXX XXXX on XX/XX/XXXX at XXXX. 

To date, XXXX PROGRESS or XXXX has not responded XXXX my request. 

As of yesterday XX/XX/XXXX, I received a text message at XXXX and an email at XXXX from a company by the name of XXXX XXXX XXXX XXXX which I will attach ) claiming they are a debt collector contacting me regarding my Synovus Bank account XXXX Now, I have no clue who XXXX XXXX is or why they even have my phone number or email address when I never gave them my information. They also claimed in their email that the original creditor is Synovus Bank but the current creditor to whom debt is owed is XXXX XXXX XXXX. This is extremely confusing to me as I do not have any idea who XXXX XXXX XXXX is OR who XXXX XXXX XXXX is. I have never done any business with either of these companies so can someone at First Progress explain why this debt collector is privy to any of my personal private information without my consent?

I am requesting, for a second time, First Progress to send me any and all documentation regarding the account. If you are going to claim a debt collector is handling the account, please let me know who the debt collector is and also send me EVERY piece of documentation you sent to the debt collector regarding the account and my personal private information- especially the documentation that proves that debt collector- XXXX XXXX XXXX has the authority to attempt collect any amount of from me. 

Please respond via USPS mail.
Product: Mortgage

The whom it may concern, XXXX ( 1 ) On my Payoff statement, dated XX/XX/XXXX their employees could not explain theses amounts to me {$5200.00}, {$2500.00} and {$3800.00}. It seem to me these amounts are repeats. Please provide an itemize sheet of where these figures are being applied to as well as all the collected escrow funds prior to selling my house. XXXX ( 2 ) Since XXXX and ongoing I have all kinds of fees and prices throughout my loan, just to name a few. {$19.00} XXXX XXXX  over phone fees, corporate adv fees, XXXX paid exp fees. and extremely unusual late fees with different prices. Please explain why am I being charged different amount for late fees and etc. Respectfully. XXXX XXXX XXXX. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account I am reporting is factually listed on my credit report incorrectly. The bureau is reporting file # XXXX, / Acct # XXXX, Original creditor XXXX XXXX, as a Auto Loan. This account was a Credit Sale Agreement. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file immediately. 
In addition, In accordance with the Fair Credit Reporting everything on my credit report has to be 100 % accurate. The Credit bureaus stated my account was properly investigated but how can that be possible when the balance on the count mentioned below is not accurate. This is grounds for immediate removal of this account from my report. Also, for the following reasons, my rights have also been violated : 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, states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 c ( a ) ( 5 ) states ; no consumer reporting agency may make any consumer report containing any of the following items of information. 
I did not give any agency permission to share my personal information with XXXX XXXX XXXX. 
According to my credit report, the above account was noted as an repo. How can XXXX XXXX, report late charges for a vehicle they sold at auction? This is also, grounds for deletion of this account on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax regarding inaccurate information on my credit report. On XX/XX/XXXX, I initially contacted Equifax to address the following discrepancies in my credit report. Despite my initial inquiry, I have not received a response to date. The details of the inaccuracies and the necessary corrections are outlined below : XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$430.00} ) : Incorrect information : The account was reported as late. 
Requested correction : Please correct/update this inaccurate information on my credit report. 

XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3.00} ) : Incorrect information : The account was reported as late. 
Requested correction : Please correct/update this inaccurate information on my credit report. 

XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$210.00} ) : Incorrect information : The account does not belong to me. 
Requested correction : Please remove it from my credit report. 

XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$410.00} ) : Incorrect information : The account does not belong to me. 
Requested correction : Please remove it from my credit report. 

XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5600.00} ) : Incorrect information : Balance seems higher than remembered ; reported as closed, but Past Due amount provided. 
Requested action : Report the account as disputed while I address the issue with the creditor. 

XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$220.00}, Original Creditor : XXXX  ) : Incorrect information : The account does not belong to me. 
Requested correction : Please remove it from my credit report. 

XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$900.00}, Original Creditor : XXXX  ) : Incorrect information : The account does not belong to me. 
Requested correction : Please remove it from my credit report. 

XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00}, Original Creditor : XXXX  ) : Incorrect information : The account does not belong to me. 
Requested correction : Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently bank with Wells Fargo, I use their " XXXX XXXX '' rewards credit card at the moment. On XX/XX/2018 my XXXX credit score dropped 29 pts from XXXX to XXXX ... And my XXXX  credit score dropped 28 pts from XXXX to XXXX ... I'm not sure why Wells Fargo would do this to my credit score but I'm very disappointed and confused as to why my credit score would drop so far? I have worked really hard to build it up over the years. I have never missed a payment in the lifetime of my credit and I have always paid my credit debts off FAST even if my balance gets a little high from time to time. I would truly appreciate it if this could somehow be fixed. Thank you
Product: Debt collection

I was on a payment plan with XXXX. But I noticed that every month my bill was too high even though I didn't pay in full. I sent XXXX my income because they said that I could apply for financial hardship. They never got back to me. I also stated that the meter needed to be checked because I believe that I was paying my neighbors utility bill. Nevertheless I moved and the bill was unresolved because I honestly do not believe that I owe the amount of {$1700.00}. Please look into this situation. I am not an irresponsible individual. I did not get any cooperation from XXXX.
Product: Credit reporting or other personal consumer reports

Recently i loocked at a copy of my credti report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit. it is my understanding that you will investigate these item for me to ensure accuracy.

here is the item i am asking you to verify as accurate : XXXX XXXX XXXX XXXX
Product: Debt or credit management

M & T bank is stating that I have missed payments, which is untrue. I have every bank statement payment confirmation withdrawal, notification, and payment posted mail from M & T as well as my own bank. now Im being threatened with foreclosure and an erroneous $ XXXX payment that can only be made by a money order or a cashiers check because they refused to apply the payments that had been being sent for the last XXXX months. If not more I am on flex pay which allows partial payments. This has been an ongoing issue since I enrolled in this and have had to re-enroll because, their automatic drafting/ banking system is obviously not efficient let alone functional. when I started to question this, they locked me out of my account until I file a complaint and then all of a sudden I was able to gain access again But with barely any statements for the last XXXX months are in question. when I questioned the banker on the phone that I have spoken with several times, she even stated that she couldnt see my payments that far back how is that even possible for a bank to not be able to see a years worth of payments? but yet I can pull my bank statements and information for the last XXXX years if I needed to, but Im paying a mortgage weekly and they cant see what Ive paid?, But want to say that I havent yet I have statement after statement after confirmation from both M & T and my bank as well showing that these payments have gone through.
Product: Debt collection

Debt collection letter from ERC, XXXX XXXX XXXX, XXXX, FL stating amounts owed from XXXX XXXX XXXX service. I canceled my service with XXXX XXXX XXXX over a year ago and paid total balance due at the time of equipment return. I have notified ERC that I paid the total balance due at the time of equipment return and sent them billing statements and receipts to show that the account had XXXX balance. Yet they continue to send letters stating {$150.00} is due.
Product: Debt collection

Account info Account name JEFFERSON CAPITAL SYSTEMS Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2000.00} Balance updated XX/XX/XXXX Recent payment - XXXX  payment - Original balance {$2000.00} Highest balance - Terms XXXX XXXX On record until XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please UPDATE the following accounts completely from my Credit Reports : XXXX XXXX XXXXD XXXX XXXXD XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : Professional XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint regarding an inaccurate late payment reported on my credit report by XXXX XXXX ( XXXX ), which I believe constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). Despite my efforts to resolve this matter directly with XXXX, their customer service has failed to provide sufficient proof to substantiate the late payment. 

I have made multiple requests for evidence of the late payment, but XXXX has been unable to provide the required documentation or proof of the alleged late charge. This raises serious concerns about the accuracy and validity of the information they have reported to the credit bureaus. 

Additionally, I am deeply concerned that XXXX XXXX has experienced several data breaches in recent years, including a significant breach in 2023. These breaches may have compromised the accuracy of customer data, and I fear that the erroneous reporting of a late payment on my credit report could be the result of such a breach or internal system failures. XXXX 's inability to provide proof further raises questions about the integrity of their reporting processes and the protection of consumer data. 

I would like to highlight that under 15 U.S.C. 1681, the FCRA requires that credit reporting agencies and furnishers of information, such as XXXX, ensure that the information they report is accurate and verifiable. In this case, XXXX  failure to provide proof of the alleged late payment is a violation of this requirement. 

Furthermore, under 15 U.S.C. 1666b, the FCBA imposes clear guidelines regarding the proper handling of billing errors, including a requirement for creditors to provide verifiable documentation in response to disputes. Since XXXX has not fulfilled this obligation, I believe they are in violation of these provisions as well. 

Given these concerns, I am requesting that the CFPB investigate this matter and assist in ensuring that my credit report accurately reflects my payment history. I would also appreciate guidance on how I can formally dispute this entry with the credit reporting agencies, and ensure XXXX is held accountable for any inaccuracies or violations of my consumer rights. 

Thank you for your attention to this matter. I look forward to your prompt response and any further steps I can take to resolve this issue. 

https : XXXX XXXX
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
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 violates the consumer financial protection act ( CFPA ). Specifically Cash App failed to supply timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was 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 cause significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

Primary cardholder died on XX/XX/XXXX. I notified Citi-Bank by telephone shortly after - and the account was summarily closed. I requested a final statement. I began receiving phone calls from XXXX XXXX  which I did not answer - as did other family members - nor did I respond to their letter. There is no probate estate - there is a living trust - I am the surviving trustee and administrator of the estate. 

I called Citi again - explained the trust and requested a statement so I could pay the final bill. I was told they could not provide one. 

I wrote a letter to Citi on XX/XX/XXXX requesting a statement and received a " we'll get back to you '' letter dated XX/XX/XXXX. There has been no further communication from C

iti - but I now receive daily calls from Client Services - which I have blocked. In my opinion it is Citi 's responsibi
lity to provide the statement which I am quite sure these collection companies can not do and it is reasonable to request the details of the final account statement. I would like the harassment to stop!
Product: Mortgage

On XX/XX/XXXX and XX/XX/XXXX we closed 2 transactions where the seller had a first mortgage with XXXX XXXX and then a second mortgage was recorded for the exact amount to Secretary of Housing. They are assigned to Nationstar Mortgage and then assigned to XXXX XXXX. They are in essence placing a double lien on the person 's property although they have only one mortgage. I understand these are reverse mortgage 's but XXXX Mortgage/XXXX XXXX  have been paid off months ago and they do not prepare and file a release. We have a lender that has been asking for their final policy for 3 months now. We have called everyone including Secretary of Housing, XXXX, Nationstar, XXXX XXXX to no avail. This is ridiculous and I thought RESPA said they needed to file a release within 30 days of being paid off? If this is something you can help us with please feel free to contact me for more information and proof. 
Thanks, XXXX