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

BMO Harris Bank is discriminating against me by refusing to approve me for and open up a checking account for me because of my race, me being an XXXX. I have applied for a checking account with BMO Harris Bank numerous times, and each time, I was denied to open a checking account due to my race and me being XXXX. BMO Harris Bank is violating the Equal Credit Opportunity Act ( ECOA ) under Federal law 15.U.S.C. 1981.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I notified XXXX XXXX XXXX that despite the two letters that I received from XXXX XXXXXXXX XXXX XXXX Regulatory Compliance Manager that my credit reports would reflect a XXXX  balance and issuance of a 1099 C in XX/XX/XXXX, XXXX XXXX XXXX immediately notified Equifax after my phone call, removed the previous dispute remarks, added a remark that stated the data furnisher is furnishing accurate information and dropped my Equifax score XXXX points in a matter of minutes on XX/XX/XXXXXXXX This is punitive, the XXXX XXXX representative yelled at me and told me I owe XXXX. 
THIS IS THE THIRD TIME I HAVE COMPLAINED TO THE CFPB. This is unethical! Where is the oversight? Please help me, please. It has been one year since my initial complaint to the CFPB about this matter with XXXX XXXX and the letters I received on XX/XX/XXXX and XX/XX/XXXX stated it could take up to 90 days to accurately furnish the XXXX balance information to the CRA 's, however it takes less than 5 minutes after a phone call to XXXX XXXX on XX/XX/XXXX for XXXX XXXX to notify EQUIFAX and delete, change, and add remarks to immediately drop my credit score. I must commend data furnishers who are savvy enough and well equipped to tweak comments without reporting accurate information to drastically drop a consumers credit score. Brilliant! XXXX XXXX is winning the battle, one day in XXXXXXXX  when this information falls off I will win the XXXX. Unfortunately in the mean time I suffer loss of opportunity and unnecessary undue financial harm. This motorcycle was surrendered with less than XXXX miles from when I purchased it, yet depreciated XXXX in less than one year.
Product: Debt collection

I applied for XXXX insurance with XXXX and initially, they told me an amount that I didnt agree with. However, the agent called me several times and stated that he got my down payment lower and my monthly payment lower as well so I made my down payment and after making the payment, they changed the amount so its been a ongoing issue with XXXX. Going forward, they reported a balance to a collection agency in the amount of {$260.00} because they wanted me to pay a past due payment plus a payment that wasnt even due at that time to keep my insurance policy enforced and I told them I should only have to make my past due payment so my insurance didnt cancel and it ended up canceling and sent my account to collection. However, I told the collection agency I wasnt paying nothing because I had to purchase another auto insurance policy because of the nonsense that XXXX pulled. They collection reported this balance of {$260.00} on the credit report and ruined my credit.
Product: Credit card or prepaid card

The account is never late but Citi closed the account for no actual reason. Also sent an unsigned letter by a fictitious person that I am unable to find in the list of vice presidents.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account has been paid in full since XXXX and XXXX has yet to update my XXXX balance and account status to the three major credit bureaus. This is causing my debt to be higher than it actually is and is affecting my credit score and profile. I've contacted the credit bureaus and the company and I still have not received an update.
Product: Debt collection

The document of " MyCase '' shows the original complaint and " summons '' sent to an address that I never lived at, and shows that the person at the delivery address stated that I no longer lived there, and then proceeded to give the summoner my correct new address, but summons still stated that I had received the summons. The summons was delivered to an elderly incapable adult. 

I went to court to present the information, at which time, I presented that the debt was already paid, and was able to show that the summons was delivered to the wrong address. 

I was also able to show that I had no idea about the debt, and that I never received any word of the summons, that I lived at another address. 

The debt collect ALSO SEIZED THE MONEY FROM A BODILY INJURY SETTLEMENT that I received from an accident winnings that included wages lost, lost car, and bodily injuries winnings. No other money was in the account. 

As I presented these objections to the judge, I was denied the judgement, and the judgement was renewed. 

A renewal of judgement was mailed to me on XX/XX/2024, stating that I had " 14 days to object, '' however, the date of the actual court/mailing date showed XX/XX/XXXX, meaning that I only had 1 day to mail out my objection, which, in conlusion, means the attorney waiting a very long time to mail this letter out to me, and so did the court. 

Watching the attorney and judge interact during court, showed to me their friendliness, as they spoke of personal subjects like family items and other subjects during court, leading me to believe that I had a very limited chance to fight this judgement. 

This last paragraph may be circumstantial, but the paragraphs above it are not. 

This debt collector used dibilating means to collect a debt that I WAS NEVER NOTIFIED OF, and then lied in court about serving me the summons properly. 

They also seized money that is a prohibited practice, being from a bodily injury case. 

Furthermore, as I called to make some arrangement with the debt collector, they asked how I would be able to pay, which I responded with, " none of your business, '' and they said, " well then I won't make any arrangements, then, '' which I stated in return, " maybe savings I guess, '' They immediately tried to seize the same bank accountXXXX XXXX XXXX XXXX XXXX that had money from the bodily injury case! Simply because I tried to arrange something with them. 

I know now that I'll never get my bodily injury money back, since they won't work with me, and no chance of having a judge rule in my favor. 

So I'm left with paying a debt I never knew about, nor do I owe the debt, and am left with only bankruptcy as the only other option. 

This is unfair, and incapacitating. No consumer should owe a debt they never were informed of, and have already paid off! Nor should they have something seized that is strictly for their health settlements. 

These guys need to be stopped!!!
Product: Credit reporting or other personal consumer reports

I previously disputed these accounts with the relevant credit bureau ( Experian ) requesting that they verify the accuracy and legitimacy of these accounts in compliance with the FCRA. However, the credit bureau was unable to provide valid documentation or evidence to verify these accounts correctly, despite their legal obligation to do so. As a result, these charge-off accounts remain on my credit report, causing significant harm to my credit score and overall financial situation. 

The accounts in question are as follows : XXXX. Account Number : XXXX Creditor : XXXX XXXX XXXX Reported : XX/XX/XXXX XXXX. Account Number : XXXX Creditor : XXXX XXXX XXXX Reported : XX/XX/XXXX XXXX. Account Number : XXXX Creditor : XXXX XXXX Reported : XX/XX/XXXX XXXX. Account Number : XXXX Creditor : XXXX  XXXX Last Reported : XX/XX/XXXX XXXX. Account XXXX : XXXX Creditor : XXXX XXXX Reported : XX/XX/XXXX XXXX. Account Number : XXXX Creditor : XXXX XXXX Reported : XX/XX/XXXX XXXX. Account Number : XXXX Creditor : XXXX Last XXXX Since the credit bureau could not verify the accuracy of these accounts, I have reason to believe these accounts are fraudulent. I have already filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter because of the serious implications of having unverified and potentially fraudulent accounts remain on my credit report. 

Under the FCRA, I have the right to dispute inaccurate or outdated information in my credit report. Specifically : FCRA Section 611 ( 15 U.S.C. 1681i ) requires credit reporting agencies to conduct a reasonable investigation of disputed information and to delete or correct any information that can not be verified or is inaccurate.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) places an obligation on furnishers of information to provide accurate data to credit bureaus. If they can not verify the accuracy of the data they are furnishing, they must cease reporting inaccurate information.

FCRA Section 605 ( b ) ( 15 U.S.C. 1681c-2 ) provides that if any information on my credit report is the result of an identity theft or fraudulent transaction, I may request the removal of that information by submitting an identity theft report. Though not an identity theft case, this section emphasizes the importance of ensuring that information reported is verified and accurate, as any unverified or fraudulent entries must be removed.

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) mandates that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy in credit reports.

I Attached to this complaint : previous dispute letter and a second dispute letter, FTC report, identity and address documents, accounts disputed, and all the inaccurate information highlighted. Thanks for your help
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Date of inquiry : XX/XX/XXXX Account Name : XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

THESE HARD INQUIRIES ARE NOT MINE, NOT ASSOCIATED WITH ANY ACCCOUNTS IN MY NAME, AND MUST BE REMOVED PER THE FCRA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,, FL 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, AZ XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX & XXXX XXXX XXXX | XX/XX/XXXX Page XXXX of XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX - XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XX/XX/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 ND XXXX ( XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX Factual Data XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ( XXXX XXXX XXXX XXXX XXXX REMOVE THE ABOVE HARD INQUIRIES XXXX ARE NOT ASSOCIATED WITH ANY ACCOUNTS AND RESTORE MY CREDIT FILE REPORTING TO ACCURATELY REPORT MY FILE
Product: Checking or savings account

I received an alert on XXXX XXXX that an account was open in my name. I flagged it and about a week later received a letter from Wells Fargo that it would be investigated. 2 weeks later I received {$440.00} as a result of the account being closed. I never opened the account or deposited funds anywhere. I originally assumed it was a credit card that was the issue. Yesterday I received a bank statement that listed 4 transactions and stated that the account is closed. The checking account ( XXXX ) routing number ( XXXX ) was opened on XX/XX/22 with {$73.00} deposited. On XX/XX/22 {$440.00} was deposited with the following information ( XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX The same day ( XX/XX/22 ) a withdrawal for {$510.00} was made ( XXXX to XXXX XXXX XXXX # XXXX ). on XX/XX/22 a second deposit for {$440.00} from ( XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX was made. The account was closed XX/XX/22 ( Loss Prevention Closing Entry ). This is how I received the check for the balance of {$440.00}. Again, I did not open the account. I never received any statements when the account opened. I am not sure if a bank card was issued or physical paper checks. Since the bank had my name and address on the statement, I only assume a card or check would have a different address associated with it if they exsited. On the statement I received yesterday under account information the following boxes were checked : Online Banking, Online Statements, My Spending Report and Direct Deposit. I can be contacted for questions. XXXX Thank You XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Peter and Roberts sent letter for XXXX to remove these paid collections and they are still appearing on my credit report. This is hurting my credit really bad. XXXX need to remove these XXXX XXXX/ peter and roberts from my credit report
Product: Credit card or prepaid card

My tax return was deposited onto my Albert cash card on XX/XX/22. I moved money to the savings option so that there would not be a large amount on the cash card in case it was lost or stolen. I do this all the time. I went to move money back to the cash card so I could pay my bills and it would not allow me. It stated I had reached my limit of XXXX and needed to wait 30 days. I then contacted support to see if they could help me by moving the money or raising the limit so I could pay my rent and car payment. They stated no. I asked to speak to a supervisor and they ignored me. I then asked if I could close my account and having the money sent to my external bank that is linked to my card. They stated they could not do that until my balance was 0.00. I need help accessing my money. I'm going to evicted and my car repossed if I can not access my money. I went and read the agreement and the only thing it says is you can not take more than XXXX out of an ATM. Nothing about transfers. Please help!!
Product: Credit reporting or other personal consumer reports

I have unauthorized inquires on XXXX XXXX from Global Lending Services LLC, XXXX, XXXX XXXX XXXXXXXX XXXX, also on XXXX XXXX from XXXX XXXX XXXX also on XXXX XXXX XXXX XXXX Global Lending Services LLC, XXXX There are unauthorized soft inquiries too from XXXX, XXXX on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reached out to Experian due to some incorrect items that were reporting on my credit profile, Experian told me that they would conduct an investigation but they did not perform it and the damaging, unverified information is causing me finanical hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital failed to remove the charge off status from a XXXX balance account that was closed in XXXX and was compromised. The account has XXXX balance and they stated that it would be in closed, good standing. 

The account was opened in XXXX
Product: Debt collection

Asset Recovery Associates contacted me stating they were going to sue me and place a lien on my credit card for a fraudulent credit card debt that was opened when I was XXXX. Informed that I 've already disputed it and had it removed from my credit report almost 10 years ago. Informed not to contact me anymore and asked the representatives name. She would n't give me her name and I told her to have her collection agency remove me from her list. She informed me she was n't a collection agency. Used harassing and offensive language and said she was going to call my work. Informed I could n't get calls at work and she called anyways.
Product: Prepaid card

Received over XXXX in deposits one from XXXX and the other bank transfers to cash app they allowed me to use XXXX then said I went against privacy policy and closes my account and took my money
Product: Student loan

I

have been on income-driven repayment plans since I graduated law school in XX/XX/XXXX. I have never missed a payment and have timely recertified each year -- that is, until XXXX  provided me bogus annual recertification deadlines, then used my " late '' application to capitalize $ 50K+ of interest on my student loans. After two complaints through the CFPB ( see, e.g., Complaint No. XXXX ), XXXX finally acknowledge and corrected about $ XXXX   of the $ XXXX of capitalized interest. Now, it is important that XXXX   addresses the remaining $ XXXX  that was capitalized due to their predatory scheme.

Prior to my XX/XX/XXXXannual recertification, I received a letter providing an XX/XX/XXXXdeadline. A month or so later, I received a letter providing a XX/XX/XXXX recertification deadline. At the time, I didn't realize that the first letter was for my loans under the IBR plan and the second letter was for my loans under the REPAYE plan. And why would I? I've always recertified a single time each year and had no reason to believe I would suddenly have two different deadlines. And XXXX  was not even asking that I submit two applications for the two different plans ; only one is required.

The fact of the matter is that the later XX/XX/XXXXdeadline is completely bogus. The only way that I would not have been penalized is if I had followed the earlier XX/XX/XXXX deadline and ignored the second letter altogether. But in my not realizing XXXX changed the game ( two deadlines for one annual recertification ) and my relying on the most recent letter I had received, XXXX had contrived a scheme that, in practice, was used to mislead me then catch me on a technicality, giving XXXX   reason to capitalize ten of thousands of dollar of interest.

Please consider, too, that I was/am already swamped with $ XXXX in student loans without all this capitalized interest and I have always paid on time and even pay additional amounts monthly. I have been an ideal customer with a reasonable explanation as to how this happened, and I hope XXXX will do the right thing.
Product: Money transfer, virtual currency, or money service

This is regarding a money laundering compliant against coinbase.com for cryptocurrency worth around $ XXXX XXXX. Coinbase helped criminals facilitate crime who extorted me of a large amount of cryptocurrency. Coinbase aided and abetted criminals. Their customer service took over a month of countless followups to respond. They responded with a generic copy pasted response and DID NOT EVEN OPEN MY LETTER OR ATTACHMENTS. They are incompetent and I need help with getting a hold of a XXXX XXXX that will admit they have broken AML laws and owe me a full refund for my damages. I've attached a letter with all the details. 

In addition, they are not cooperating with law enforcement to reveal the identity of the of user who is the owner of the COINBASE COMMERCE MERCHANT account.
Product: Vehicle loan or lease

I paid off the principal balance of my car. I now owe some fees but they are still reporting late payments of fees only to the credit bureaus for fees only and refuse to negotiate so I can pay them off. In fact some of the fees are not fairly assessed.
Product: Mortgage

On XX/XX/XXXX my home was appraised at my request by a representative from the mortgage lender ( XXXX XXXX ) in order to remove the PMI on my current loan. 

My home appraised for {$520000.00}. Principal on the loan is just under {$400000.00} with no other liens or second mortgages. This puts my LTV at 77.87 %, according to the lender 's own documentation. This is under the 80 % LTV required by law for removal of PMI. 

Subsequently, I sent emails requesting the removal of PMI to XXXX XXXX on XX/XX/XXXX, again on XX/XX/XXXX and again today. XXXX XXXX acknowledged all my emails. I've spoken on 5 separate occasions to representatives of XXXX XXXX who stated PMI is removed at 80 % LTV, that all other conditions are met for removal of PMI on my loan and that they're not sure what's happening, they suggested I keep writing emails. 

On XX/XX/XXXX, XXXX XXXX sent me a letter stating that the PMI on my loan would not be removed, applying a 75 % LTV for removal of PMI instead of the 80 % allowed by law. This is in violation of the Homeowner 's Protection Act and the laws of the State of New York regarding this matter. 

All conditions for removal of PMI on my loan are satisfied and PMI should be removed forthwith.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX the company I called and spoke with the XXXX and stated to him that their company ran my credit without my consent and I have plenty of inquired from their company as if I were trying to obtain credit and he stated he will not correct the issue that I need to contact the credit reporting bureaus. 

XXXX XXXX, XXXX XXXX XXXX XXXX, and on XX/XX/XXXX : I contact the companies and I let the sale managers know there are plenty of unauthorized inquiries on my credit report and the sales XXXX stated I have to call the credit reporting bureaus to have them remove the inquiries. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I contacted these XXXX companies by mail and they stated the inquiries are accurate after I stated to them they were fraudulent and unauthorized inquiries made. They replied and stated to contact credit reporting bureaus and add them to add a fraud alert.