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

BMO bank verified me over the phone for almost 3 hours. They then called me the next day and requested my bank information over the phone. They told that I had to deposit a certain amount in both accounts. After that verified me for almost 3 hours and took some of my money from my old account they locked my accounts and then said they could verify me. They then turned mean, and rude. With this account you get a bonus if you transfer a certain amount. I find that these banks including BMO try to get you to open a account for their investors then they make it difficult for you access your account. They then started complaining about people trying to steal their money. However, I have to put money in the account and keep it there for months before I would get a bonus. After they took my money they refused to allow me access to my money. They had verified for hours. Then I stayed on the phone for days trying to access my funds. They then became very mean and refused to help me access my money unless I got forms signed and notarized which I did. Then no one from BMO called nor apologized to me!!! The last person I spoke with in their customer service had some very strange sound in the background. It was so distrusting I had to ask him what the sound was. His reply was, " Does it sound like something rubbing against the phone. '' Yikes!!! I want that phone call pulled. I am requesting someone from your corporate office call me!!!
Product: Debt collection

account XXXX XXXX/ XXXX XXXX XXXX XXXX, I didn't know there was a bill, idenity theft had to be what happened. so therefore if i didn't make this bill it isn't mine. Im certain i never signed up for this. Please except My concerns on this matter. Have a wonderful Day. Happy XXXX XXXX.
Product: Checking or savings account

I opened a checking account with Wells Fargo branch in the XXXX XXXX area, I had a fraud garnishment, a spoof, bank robber they withdrawn money from my account someone send them a fraud garnishment child support that had been removed expunged for 10 years it keep causing a data breech in their system.
Product: Checking or savings account

I have had a Marcus Savings account for several years. In XXXX I received an offer of a {$100.00} bonus if I deposited new funds into my Marcus account and kept it there for 90 days. I transferred $ XXXX from my XXXX account into Marcus account on XX/XX/2021. I withdrew the $ XXXX on XX/XX/XXXX and XXXX. 

I have not received my {$100.00} bonus so I contacted Marcus via chat. They said my bonus was ineligible because I had a {$120.00} withdrawal on XX/XX/XXXX. That {$120.00} was not part of the $ XXXX in new funds. I have automatically deposit and withdrawals each month into Marcus. They said I was disqualified from bonus. I am very upset and felt misled. I kept $ XXXX in Marcus when I could have earned highest interest elsewhere.
Product: Credit reporting or other personal consumer reports

XXXX is a company I do not recognize. This company is reported on my credit as a hard inquiry. I would like them removed please. 

ALLY FINANCIAL, This company is reported on my credit as a hard inquiry. I would like them removed please. 

XXXX  XXXX is a company I do not recognize. This company is reported on my credit as a hard inquiry. I would like them removed please. 

XXXX XXXX, This company is reported on my credit as a hard inquiry. I would like them removed please.
Product: Mortgage

Currently have a loan with US BANK Mortgage. Reached out to them to take advantage of the low interest rates ( Refinance ). I connected with XXXX XXXX NMLS # XXXX His number XXXX at first he was very responsive. Once he ran my credit and got the process started he disappeared. Literally, I have emailed him, called, left messages, no response. Now, XXXX XXXX the loan processor is telling me that my Debt to income ratio isn't sufficient. That makes no sense to me since my income has tripled. I am not sure if I am being profiled here or just fell through the cracks. I can not get any answers from anyone and I am left high, and dry. I spent MONTHS submitting documents blindly. No closure, no one to follow up with, nothing. XXXX XXXX simply referred me to XXXX but he is MIA. I don't even know if he works there anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

Legal Department, XXXX  has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. Equifax has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. Equifax failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection. 

I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile. 

PLEASE IMMEDIATLELY PERMANENETLY DELETE THE FOLOWING ACCOUNTS AND INQUIRIES FROM MY CREDIT PROFILE UNDER THE FCRA SECTION 609, SECTION 605B, SECTION 611, AND FCDPA SECTION 809
Product: Checking or savings account

My name is XXXX XXXX, I am a PayPal customer with email address XXXX I have been a good customer of PayPal, but however, PayPal decided to put my account on limitation and asked for my photo ID, bank statement and proof of address before removing the limitation with Reference ID : XXXX When I signed up for PayPal, I already verified myself and as such, verification should not be done Everytime. 


I have supplied the documents needed to PayPal to remove the limitation but PayPal has refused removing limitation on my account and as such, I had to file this complaint. 

I need PayPal to resolve my issue
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my student loan repayment was waived because of XXXX. I was placed in a annual review for a number of years. The monitoring period ended and all of my student loans were permanently and totally XXXX on XX/XX/XXXX. 

Credit reporting agencies, do not reflect that all of these loans were previously XXXX. Some credit reports show that I'm in the monitoring period until XXXX. 

The loan amounts are so much higher than when they were taken, because of interest charged during XXXX monitoring.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM SUBMITTING A COMPLAINT AGAINST BARCLAYS BANK DELAWARE. I CAME TO A SETTLEMENT AND PAID THE ACCOUNT IN FULL ON XX/XX/2021. I WAS TOLD VERBALLY FROM A REPRESENTATIVE AT " XXXX '' WHO COLLECTS ON BEHALF OF XXXX THAT THIS PAYMENT WOULD BE UPDATED WITHIN 30 DAYS. IT HAS NOW BEEN WELL OVER 30 DAYS AND BARCLAYS IS STILL REPORTING A BALANCE. PLEASE UPDATE THE BALANCE AS PAID IN FULL AT THE MINIMUM OR DELETE THE ACCOUNT IN ITS ENTIRETY. I HAVE ATTACHED PROOF OF MY SETTLEMENT.
Product: Vehicle loan or lease

We paid are lease off and paid the buyout for the vehicle and have called several times so we can get the odometer statement and tax document for il so we can get the title each time they said they will both fax them and mail them and I still have recieved nothing
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2020 I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Scammer ), representing a fake company XXXX all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. It should be noted that the Scammer is a client of yours, registered as XXXX XXXX XXXX with committing financial crimes right under your nose, which involve, among other things, stealing and laundering large sums of money on a regular basis. Money was transferred from my XXXX Bank account in the total amount of 3000 USD utilizing Santander Bank services.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report incorrect information on my consumer file. I have previously filed several complaints to get this information corrected my name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX Ga XXXX do not stall this complaint by asking for my identification because I have attached it to each complaint and to this one as well. You have proof of my address as well. Delete this incorrect information because anything else listed would be considered identity theft and the address is prevent me from obtaining credit I am rightfully entitled too.
Product: Credit card

My problem is with Citibank credit cards ; in particular, it is about paying a Citibank credit card with a XXXX XXXX checking account. To clarify, I have XXXX Citibank credit cards that I tried to pay : a Citi Forward card and a Citi Double Cash card. In XX/XX/XXXX, I changed the bank account that I use to pay for my Citibank credit card. The bank I had previously used was a Citibank account, but I switched to a new, XXXX checking account. I verified this new bank through Citibank 's online verification process, and I was able to pay other, non-Citibank cards with this XXXX checking account. However, when I paid my XX/XX/XXXX Citibank credit card bills, my payment was rejected, and I was charged a " return check fee '' by Citibank. This meant that my payment was late and a late payment was most likely reported to credit bureaus, even though this checking account had been used to pay off other non-Citibank credit cards. When I called Citibank, they told me that they had tried to access my XXXX checking account, but that XXXX had told Citibank that my checking account was frozen. However, when I called XXXX, they had no record of Citibank ever even trying to access my checking account, and they confirmed that my account had never been frozen before. As such, I called Citibank back and asked them to send me proof that they had tried to access my XXXX checking account and gotten a " frozen '' response back from XXXX. It took them weeks to get me the letter of proof, and when it arrived, it did n't have any information about a XXXX checking account or anything I could show to my XXXX Bank to get to the root of the problem. At this point, I do n't know where to turn, because it seems like Citibank had an error on their part that made them unable to contact my bank, and they 're blaming me for that error.
Product: Mortgage

PennyMac has not sent my escrow insurance payment on time. This has occurred every year since they have had my loan. In order to keep my insurance from cancelling, I have to make partial payment. It is due XXXX. As of today, XXXX, ASI has not received payment. I called PennyMac and was pretty much told oh well, we sent payment. Insurance was on phone with PennyMac and told them that they ( PennyMac ) have the policy renewal 2 months prior and they need to send the payment in a timely manner. PennyMac refuses to send it sooner.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute the inclusion of inaccurate public information on my credit report, specifically regarding a XXXX XXXX  with the account number XXXX. I believe that this information is in violation of federal law, as outlined in 15 USC 1681. 

Upon reviewing my credit report, I noticed that the bankruptcy account mentioned above is listed, and it is inaccurately reported.. 

I kindly request that you investigate this matter thoroughly and take the necessary steps to rectify the inaccuracies promptly. As per my understanding of the Fair Credit Reporting Act ( FCRA ), it is crucial that information on credit reports is both accurate and fair. The inclusion of false bankruptcy information is not only damaging to my creditworthiness but also a violation of my rights under federal law. 

I request the immediate removal of the erroneous XXXX XXXX ( Account # XXXX ) from my credit report. I trust that your agency will conduct a comprehensive investigation into this matter to ensure that my credit report accurately reflects my financial history. 

I am prepared to provide any supporting documentation or evidence that may be necessary for your investigation. Please feel free to reach out to me if you require any additional information. 

I want to express my appreciation for your attention to this matter. Accurate credit reporting is vital to maintaining one 's financial standing, and I am confident that your agency will handle this dispute with the thoroughness and expertise it deserves. 

Thank you for your prompt attention to this issue, and I look forward to a resolution in a timely manner. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Please eliminate these inquiries. I have no knowledge of them, and they were carried out by the company without my consent.
Product: Debt collection

I purchased a vacuum on a XXXX XXXX. I performed everything i was supposed to in order to receive a total write off on the item I purchased. My sales rep refused to submit the appropriate paperwork to have this debt taken away. I have told the company repeatedly to stop calling, that my financial situation was not the best right now due to the pandemic and getting a divorce. They still continue to call and send mail correspondence. They have even contacted me via phone at my place of employment. This could cost me my job. A representative with the company came to my home, crossed a gate that states no trespassing. My XXXX XXXX  were home at the time. This is not ok as we are in the middle of a pandemic and everyone in my home is considered high risk. I was also granted this in the divorce as I had completed the contingency terms of my contract and was having difficulties with my original representative. I have asked them repeatedly to remove my ex-husband from the account, provided them with a copy of my divorce decree and asked them to remove this from his credit report. They said they removed him from the account and they have not. The notice left on my door from their rep has his name on it and they are still posting his credit. I have disputed this on my credit and he has disputed it on his.
Product: Debt collection

This company at this website XXXX XXXX XXXX keeps contacting me on my personal cell phone. I do not understand why this company is contacting me. However, I did not give them permission to call or text me because I do not know who they are. They are also conducting soft pulls of my credit, which I have not authorized. Not sure what they are looking for but would like them to cease contacting me by text message as it is illegal and harassment. Collection agencies need to learn the law and stop trying to collect money that isnt theirs or following up false credit claims.
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 CA # 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: Debt collection

Disputed collection from National Credit Systems , Inc regarding a debt that was owe on my credit report in the amount of {$390.00}. First dispute letter was sent on XX/XX/2019 and second letter was sent XX/XX/2019 and the third letter was sent on XX/XX/2019. After three attempts of asking for legal documentation showing where I'm responsible for this debt. I received two letters on XX/XX/XXXX and XX/XX/2019 stating the same thing that my dispute has been investigated, however we have yet to find sufficient evidence to validate the amount owe. They asked if I can provide their company with all relevant documentation and information supporting to show them regarding the debt. And they will only revise or delete the debt if I provide them with information.
Product: Credit reporting or other personal consumer reports

THIS IS A REPEAT DISPUTE I filed a dispute against the account below reporting inaccurate information to XXXX XXXX, XXXX and XXXX. This account is deceptive, misleading and fraudulent. 
LVNV FUNDING LLC XXXX reporting a past due amount of {$760.00} This unlawful crime has caused me immediate financial harm by adverse action due to being denied any extension of credit. In accordance with my rights under 15 U.S. Code 1681o Civil liability for negligent noncompliance, the Fair Credit Reporting Act ( FCRA ). I have continuously demanded the contract and or agreement made to this company signed with my wet ink signature that legally binds me to the above debts. 

I request that the CFPB take action to ensure LVNV FUNDING LLC complies with federal law and provide me, the consumer with the necessary proof of debt validation as this accounts is unlawful according to 18 U.S. Code 894 - Collection of extensions of credit by extortionate ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. 
( b ) In any prosecution under this section, for the purpose of showing an implicit threat as a means of collection, evidence may be introduced tending to show that one or more extensions of credit by the creditor were, to the knowledge of the person against whom the implicit threat was alleged to have been made, collected or attempted to be collected by extortionate means or that the nonrepayment thereof was punished by extortionate means. 
( c ) In any prosecution under this section, if evidence has been introduced tending to show the existence, at the time the extension of credit in question was made, of the circumstances described in section 892 ( b ) ( 1 ) or the circumstances described in section 892 ( b ) ( 2 ), and direct evidence of the actual belief of the debtor as to the creditors collection practices is not available, then for the purpose of showing that words or other means of communication, shown to have been employed as a means of collection, in fact carried an express or implicit threat, the court may in its discretion allow evidence to be introduced tending to show the reputation of the defendant in any community of which the person against whom the alleged threat was made was a member at the time of the collection or attempt at collection. 

Also to include The statute of limitations for debt collection is covered in Maryland Code, Courts and Judicial Proceedings 5-101.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had some negative information reported on my XXXX, XXXX   and Experian reports. XXXX XXXX # XXXX This info is inaccurate and I need to see who furnished this information because it has to be from some third party. It is not right please delete this and the inaccurate bankruptcy. 

XXXX XXXX File Number : XXXX Experian Report Number XXXX XXXX SS XXXX I am no longer associated with these addresses they need to be deleted I am a military wife and I have have issue with my personal information being compromised please deleted/remove the addresses and phones. 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 XXXX These number do not belong to me!! 
( 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 I have attached proof of my address in this complaint.
Product: Debt collection

I had my son on XX/XX/2020. This medical collection was reported to my credit report on XX/XX/2020, which was 151 days. The law required at the time that medical collections can't be reported until 180 days after the procedure date. I had insurance that should have taken care of this bill, but this company prayed on my naivety and lack of knowledge of the law. I have paid this company {$430.00} which I should not have been responsible for. I have disputed this account MULTIPLE times with all 3 credit bureaus and only one has removed this account and the other 2 are claiming they are in compliance. This collection agency has taken advantage of me, and credit bureaus are aiding them as well.
Product: Debt collection

I have repeatedly asked lvnv funding send me a debt validation letter proving I owe them money I told them I want to see a sign contract stating I owe any amount of money they have not provided one but yet they are still on my credit report
Product: Debt collection

Jefferson Capital bought debt from XXXX. It was charged off in XXXX of XXXX. I owed XXXX money after they shut off my phone in the middle of the pandemic. When I started working on improving my credit, suddenly Jefferson Capital is sending me mail constantly. I owed XXXX {$240.00}. Jefferson Capital sent me an offer for their Payment Rewards Program stating that if I paid {$150.00} within 6 months, they would cancel the remain balance. I paid the {$150.00}. Jefferson Capital immediately put the {$85.00} back on my credit report as a collection. I held up my end of the deal, and Jefferson Capital failed to do so.