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

I am writing to formally report an issue with BMO Bank regarding fraudulent activity on my account and the bank 's inadequate response to my case. 

Incident : I moved to XXXX XXXX to attend college, leaving some of my belongings in my car in XXXX XXXX, until I secured housing in XXXX. During this period, someone broke into my car and stole several items. I discovered the theft while I was still in XXXX. I was advised by a banking representative at the XXXX branch to wait until the fraudulent withdrawals were fully processed before filing. A week later they were and I filed with the bank branch on XXXX XXXX XXXX and was told then to also file a police report. A few days later, upon returning to XXXX approximately a week and a half later, I assessed the full extent of the theft and filed a report with BMO Bank. During this time, I kept getting fraud alerts on my credit report and also realized all of my emails were hacked and was getting emails sent and every account I had was hack somehow. There also were several unauthorized withdrawals totaling {$5000.00} were made using the bmo debit card at an atm in XXXX. I have substantial evidence, including statements from my professors, proving that I was attending classes in XXXX at the time these withdrawals occurred. And there is also video evidence of whoever hacked all my accounts and fraudulently submitted the claims Bank 's Response : Despite BMO Bank 's policy on refunding fraudulent charges, my claim was denied. The handling of my case by XXXX XXXX was particularly concerning. XXXX XXXX was dismissive and did not utilize the evidence provided, including class attendance records and proof of my physical presence in XXXX. Additionally, he failed to review security camera footage from the ATMs where the withdrawals were made. XXXX XXXX 's rationale for denial included the omission of my laptop in the initial report, which was due to my inability to return to XXXX immediately to find out what all was stolen. XXXX XXXX kept giving reasons as to why it was denied but every reason was responded with a logical explanation just for another reason. It was as if he was just creating reasons why deny and ignoring the reasons that helped my case including not looking at atm footage. 
XXXX XXXX - XXXX associate - deposit and reg e resolutions Reference number XXXX
Product: Credit reporting or other personal consumer reports

It is disheartening that the Credit Bureaus, namely XXXX, XXXX, and TransUnion, have failed to remove the persisting fraudulent items from my credit reports over the past three months. The absence of any deletions during this period is particularly concerning as I anticipate another update to my credit report within the next 15 days. Regrettably, there is a sense of apprehension that I might encounter yet another instance of failure to delete these items from my file. I would like to reiterate that, in accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to remove any items in the file of a consumer identified as information resulting from an alleged identity theft within four business days of receipt. Additionally, as per Section 605b, Credit Reporting Agencies are required to expeditiously remove any items listed on an identity theft report, specifically under reference # XXXX, pertaining to my case. The items outlined in my earlier complaint dated XX/XX/XXXX have been reiterated here per bureau, as this complaint serves as a follow-up : XXXX : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXXTRANSUNION : 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

This is my seventh endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for additional credit with my card company and was denied due to Equifax reporting that there was some type of freeze initiated on my account that would not allow for 2nd party queries. I have never done this and have been unsuccessful in my attempt to talk to somebody at Equifax. Their phone prompts ( automated ) allow me to get to a certain point and then completely would not allow for any voice or phone input ( selecting 1-5 on my phone to answer their question ). When not allowed to proceed, at no fault of my own, they disconnect the call and don't allow for an option to speak to a customer service representative. I have attempted from multiple phones, both land line as well as cell phones, and ultimately it gets to the same place and fails to connect me to the final step of talking to a representative. 
They are unfairly keeping me from accessing my personal information and will not have a discussion with me about what and why this freeze was placed on my Equifax information. They are unfairly holding my data hostage and not allowing me the freedom to exercise my financial requirements. They just hope that I will go away but I will not. For an agency that holds so much power over peoples financial lives, they should be held to a higher standard which in this case they are not.
Product: Money transfer, virtual currency, or money service

XXXX was stolen from my Wells Fargo checking account on XX/XX/2012. My mother hacked into my account and transfered the money to herself without my knowledge or consent. I contacted Wells Fargo bank and was told since the transfer was made from my account they could not reverse it. They did not open a formal claim and nothing more was done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies included : Experian, XXXX XXXX, XXXX XXXX, XXXX Experian has consistently falsely reported the wrong information regarding each of these other companies, and has failed to change the negative information after conducting two disputes per account, or company. 
I paid off my XXXX XXXX account and have the documentation that proves it but I should think XXXX XXXX could verify that fact. The account status was last verified in XXXX of 2020, but I cant seem to get the correct info to Experian to correct their error. Similar issues with XXXX and XXXX accounts. I truly have no knowledge of a XXXX XXXX account and it shows I never made a single purchase with the account, but it reflects negatively on my credit report and Experian will not dispute it again. XXXX   sold me a new SIM card years ago at ne if there store locations, but I didnt have time to pick out a new device for my new added line, because the store was closing for the day. I never ended up using that SIM card at all in any device but six months later I was getting collection notices from XXXX where they had assigned me a device and a plan that NEVER existed, I never even took the sim out of its Plastic punch out card holder. I went to the store first where I bought the card and they passed the buck to customer service via telephone to address my issue, customer service referred me back to the store for help. Meanwhile, I have 6-8 months of charges for a phone and a plan that I never signed up for saw or used. What can I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

XXXX : XXXX XXXX  CREDIT CARD XXXX Open Date XX/XX/XXXX Balance : {$1500.00} XXXX  XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance : {$1200.00} XXXX XXXX  XXXX  XXXX Open Date XX/XX/XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$18000.00} XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance : {$7200.00} XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$3900.00} XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$790.00} XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance : {$41.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XXXX : XXXX XXXX CREDIT CARD XXXX Open Date XX/XX/XXXX Balance : {$1500.00} XXXX XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$5100.00} XXXX XXXX  XXXX XXXX Open Date XX/XX/XXXX Balance : {$780.00} POXXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance : {$18000.00} XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance : {$7200.00} - XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance : {$3900.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance : {$790.00} XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance : {$410.00} XXXX XXXX  XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX TRANSUNION : XXXX XXXX  CREDIT CARD XXXX Open Date XX/XX/XXXX XXXX : {$1500.00} XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$1200.00} XXXX XXXX  XXXX  XXXX Open Date XX/XX/XXXX Balance XXXX {$5100.00} XXXX XXXX  XXXX XXXX Open Date XX/XX/XXXX Balance : {$780.00} XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance XXXX {$790.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I had a XXXX appointment on XX/XX/XXXX. I was contacted by United Consumers , Inc. in XXXX via mail stating that I owed four payments of {$28.00}, {$310.00}, {$81.00}, {$42.00} respectively. I contacted the company and was told the debt was for said XXXX appointment. I then contacted the XXXX who reported that the charge had long since been paid off, first by me and the outstanding balance by the insurance company, and that the last two charges were erroneous. I reported this to the company and told them to sort it out with the healthcare provider. 

I received another mailing on XX/XX/XXXX for the same charges and when I called ( took 4 calls to talk to a representative ) I was told that the XXXX had said the charges are still in effect, in direct contradiction to what was told to me. In addition, none of the charges listed above are reflected by the original co-pay statement of my insurance. 

I believe that this company is attempting to force collections on non-valid debt despite their knowledge that the debt is void.
Product: Credit card or prepaid card

Dispute Case Number : XXXX. Merchant Name : XXXX XXXX. Date of Transaction : XXXXDisputed Amount : {$230.00}. 
I disputed that charge because I did not sign, authorize, or agree in any way to pay XXXX XXXX the Disputed charge for {$230.00}. 
Capital One did not resolve the dispute so I called the number provided in their letter on XX/XX/2022 trying to resolve the disputed charge on my account. XXXX was the employee that responded to my dispute that day. His behavior throughout the entire call was outright unprofessional, rude, and disrespectful. I asked XXXX several times if he could provide me with the documents that the merchant provided to check if they were right or falseXXXX refused to provide me with any type of documents or information. Throughout the entire conversation, XXXX kept cutting me off and refused to listen to my concerns or find a solution. Since Capital One records their calls, and due to the extreme rudeness, I began to also record the call for my own record and protection. When I told XXXX that I was recording the call, he began acting irrationally and told me that he would refuse to continue the call if I did so. I asked him to not hang up and to transfer me to another representative. XXXX instead, disconnected the call and hung up. I sent email to complain to XXXX I just received an auto-reply confirming that they receive the email then the next day XXXX left a message on my cell phone when I call her back to the number provided I got someone else on the phone. Unfortunately, it was XXXX again but this time his attitude was worse and his behavior was much more aggressive. Like last time, XXXX kept cutting me off and refused to transfer my call to XXXX. Since I already had a bad experience with XXXX I told him that I was not calling to talk to him but rather to talk to XXXX and that I was recording the call. When I told XXXX that, he acted irrationally and instead of transferring my call, XXXX disconnected the call and hung up. I sent three faxes so far to explain the situation but until now I did not receive any documents from the merchant or Capital one showing that I sign, authorize, or agree in any way to pay {$230.00} Capital One should honor its policy and its advertising regarding Zero liability for unauthorized charges and refund {$230.00} especially since I promptly reported the issue in writing and over the phone. 
I am shocked because of the bad customer service and lack of communication and understanding. 
One of the reasons I signed up for the Capital One Spark card and pay $ XXXX  yearly fees was due to the advertisement that there is zero liability for unauthorized charges, which is my case because I did not authorize, sign, or agree to pay that amount.
Product: Money transfer, virtual currency, or money service

XXXX XXXX Paypal locked my account with a balance if {$6700.00} on my wallet. They didnt clearly tell me any violation i violated and held my funds. I noticed on XXXX XXXX paypal transferred my funds to themselves and my balance went on zero. Once i noticed i called them XX/XX/2021 asking for reasoning and didnt give me a clear answer nor allowed me to speak with anyone who could explain why they locked and whiped my account balance clean. They just saying that i wont recieve my funds but that doesnt make any sense. My account is approaching the 180 day mark they say it will be in and funds will be released but the funds are no longer there and i need my money back asap! i opened another account in XXXX they also lovked that account a month later. Total alount in both accounts {$10000.00}.
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 take 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 caused significant inconvenience and financial loss and redress to rectify this serious issue.
Product: Credit card or prepaid card

On XX/XX/XXXX my payment of {$240.00} was electronically sent by my bank to Citibank. Payment was due on XXXX. Citibank waited 4 days to credit the payment and then charged me {$30.00} late fee and {$8.00} interest on the past due amount. This is the second time this has happened. Only at Citibank. 

The first incident was the exact same scenario. Wait a day to credit the account and charge late fees, easy. That incident was resolved and credited back but now all subsequent charges will not be credited. How does that work when they are at fault? 

Citibank can do or say what they want, they are the ONLY credit card company I deal with that has this problem. Why is that? How much are y'all making by doing this? 

I have had my account with Citibank since XXXX  and I have never been late with a payment until recently. How is that? Especially when it's electronic from another bank? Let me reiterate, this does not happen with any other credit card company except Citibank.
Product: Credit reporting or other personal consumer reports

As per the guidance of the Consumer Financial Protection Bureau ( CFPB ) the document needed and letter from and advocacy group helping me due XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX- DEBT FINAL RULE 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you block this information within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed to be blocked and deleted company information. Transunion please delete the following accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXXXXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Mortgage

I applied for two loans with PennyMac in the second week of XX/XX/2020 One was a refinance of my primary home for {$510000.00} and the second was a cash out loan for {$370000.00} on my investment property. I specifically requested a simultaneous closing of both loans at the same time and the agent agreed to that. On XX/XX/XXXX I received two e-mail confirmation of the application, rate lock and other details including the estimated cost. Finally they closed the cash out loan on XX/XX/2020 and they charged me more than {$10000.00} as their fees. At the same time they assured me the second loan will be closed in less than 10 days. However nothing happened since then except they kept on asking for the same documents over and over again. Also they checked my credit again last week claiming the initial one already expired. 

Before agreeing to close the first loan, I specifically told them I don't want to close it unless the second loan also closed. But it seems like their goal was to collect the fees on my first loan and somehow manage not to close the second loan. 

They asked me to show a XX/XX/XXXX balance on a particular credit card. I did. Then they again asked me last month and I did and now they are asking me again this month to do the same. I paid all my credit cards in full every month before the due date and I always have recurring charges. They asked me today not to use that card until the loan is closed. I told them I can not because I have recurring charges which I don't want to cancel. 
Now they are threatening me with 48 hour deadline to provide them with the XXXX balance statement or they said they will reject the loan application and close the file. 
It is very clear that it is intentional on their part because why would they close on one loan and not the other one. 
I believe I lost opportunity for better terms including rates due to their inaction. If I knew they were not going to approve the loan, I wouldn't have took the first loan because I was getting better offers elsewhere. 
Please look into this.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau service is reporting unauthorized inquiries on my credit report on XX/XX/2019. The inquiries are from the following companies : XXXX XXXX, XXXX. They are also reporting unauthorized inquiries on my credit report on XX/XX/2019. The inquiries are from the following companies : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. I have sent two certified letters to the credit bureau and received no response at all. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a severe breach of my privacy rights. The credit bureau has failed to respond to my request to provide me with validation that I authorized these inquires. They also failed to remove the inquiries as requested. The credit bureau has violated the Fair Credit Reporting Act by not responding or taking either of these actions within 30 days of receipt of my certified letters. I am requesting that the credit bureau be investigated and that the inquiries be removed from my credit report immediately.
Product: Debt collection

They call repeatedly during work hours but my attempts to reach them just take me to voicemail. I want a number to call a person.
Product: Credit reporting or other personal consumer reports

Every month the payment balance for the loans are not updated at each credit bureau, the last reporting dat is list as XXXX, but none of them updated the balances. As of XX/XX/XXXX, the balances remain the same. 

The total balance remaining is {$3500.00}, EACH bureau should have this balance. Each individual loan total should be updated according to the documents attached from Mohela.
Product: Student loan

Navient has been ruining my life for years. misguiding me in repayments, not releasing my cosigner, and harassing me and my co signer daily. I have been trying to find a way to repay them, but even with their " programs '' it seems as though I 'm still getting scammed. because my financial statement i give to them has no allowance for me to make payments to them. They are by far the worst company and i do n't know how any of them sleep at night knowing they single handily destroy peoples lives. I am always making a decision to pay them or eat. which is not how someone should live. They XXXX me out beyond belief with the harassing phone calls and the threat to if I do n't make payments I will be kicked out of the " program '' which barely helps me anyway. Something MUST be done. forgive our loans! take down Navient!!!