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

I did not have the chance to provide feedback on the prior case against BMO bank. As of today XX/XX/year>, there appears a genuine effort from BMO XXXX XXXX to resolve this matter without unnecessary litigation. Thus, BMO told me to post my feedback online and they will reopen the case. Here is my version : After reviewing BMOs response filed with CFPB which it did not answer the complaint I had against them. On XXXX I called BMO XXXX XXXX XXXX and spoke XXXX XXXX XXXX, a member of BMO Team Resolution. For about an hour on the phone we went through the core issue of BMOs failure to honor the {$600.00} cash bonus after me met all requirements, XXXX realized that BMO had mistakenly categorized the core issue of this matter. BMO thought I had opened and closed XXXX BMO accounts within 12 months and thereby did not pay the {$600.00} promotion bonus. I told XXXX XXXX that the first account opened was short lived. XXXX XXXX ( BMO banker ) opened and closed the account to prevent suspected fraudulent activities ( i.e., my incoming direct deposit did not go through, BMOs shipment of my bank checks was missing ). Thus, the bank must close the first account and open another one to prevent fraud. XXXX XXXX assured me that I will be eligible to receive a promotion cash bonus when the bank takes the action to close my account and replace it with a new one. She closed the account, but XXXX XXXX XXXX was the second BMO banker who opened my premier relationship checking ending with XXXX. XXXX XXXX XXXX also assured me through emails correspondences that after 120 days meeting all requirements, XXXX will deposit a {$600.00} cash bonus in my checking account. However, this did not occur, and XXXX continued to deceive me with the {$600.00} cash bonus that I already earned. 

On today XX/XX/year> telephonic discussion XXXX XXXX told me that he wished to have BMO resolve the {$600.00} cash bonus issue internally. Thus, he created a BMO case number ID : XXXX. He further said within XXXX business days BMO will contact me and or file their final resolution with CFPB to close this matter. 

I deeply appreciate XXXX XXXX effort to resolve the issue without further litigation and I now file this feedback with CFPB.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 I tried to apply for a loan with Affirm for a purchase of less than {$250.00} and it keeps on getting denied because according to Affirm, they can not verify my identity. I have called them multiple times to let them know I proceeded to remove a credit freeze I had placed on XXXX, XXXX and XXXX XXXX, to help them verify my identity, and they are still giving the lame excuse of " not being able to identity me. '' I count with a good credit score on all credit bureaus, the freezes have been removed so they can identify me, PLUS, I have sent them a copy of my driver 's license and a picture holding my license next to my face TWICE, and they are still not able to identify me. 
I spoke to a supervisor by the name of XXXX on XX/XX/2022, and I asked him to let me know exactly what is it that they need to identify my identity, and he said they do not need anything because they verified me already and to just give it 24 hours to reaply for the purchase loan. 
According to what I was told by the credit bureaus, freeze lifts go into effect immediately. I still went ahead and waited the 24 hours this supervisor by the name of XXXX, had adviced me to wait before reaplying. So, 24 hours later, I applied again for the this loan, and I keep on getting denied because my identity can not be verified. 
Affirm 's customer service is deplorable. Noone takes accountability for any situation. Every time I call, nothing gets resolved and eventhough I have done every single thing there is to do to verify my identity, they keep on giving me the same lame excuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I contacted Goldman Sach Bank via the internet about a debt consolidation loan for {$20000.00}. However, on the loan application step 1 states that this application will not effect your credit report. So I began filling out step 1 and made it to step 2 and gave them my birth date and I believe my last 4 digits of my social security number and then I tapped accept to view the terms of the loan not to actually get the loan. I never finished the loan application process because of the false advertisement on step 1 saying : " This will not effect your credit ''. Then within seconds of me giving Goldman Sach Bank loan application my birth date and the last 4 digits of my social security number, I received a notification from XXXX XXXX that a hard inquiry was on my XXXX  credit report from Goldman Sach Bank. I immediately called Goldman Sach Bank and explained to them what just happened and that it was not right for them to pull my credit report because I never finished the actual loan application process and that step 1 specifically states that this will not affect my credit. Goldman Sach Bank said that it was not anything they could do about it because I accepted the loan. I explained to Goldman Sach Bank what step 1 said and that I never even finished the loan application process steps and that I only tapped accept because I thought it was only to view the terms not to actually accept the loan and the reason I don't want the loan again is because of the false advertisement on step 1 and them pulling my credit report before I even finished all the steps. I called XXXX credit report company and explained to them what took place with Goldman Sach Bank and they told me to call Goldman Sach Bank back and ask them for a letter of deletion so I could get the hard inquiry off of my XXXX credit report ( I have a XXXX  file number for this incident ). However, I did call Goldman Sach Bank back but they refused to provide me with the letter of deletion. So I called XXXX back and explained to them what Goldman Sach Bank said and they told me to contact CFPB about obtaining a FTC report and that the FTC report would be a replacement document since Goldman Sach Bank would not write me a deletion letter document.
Product: Debt collection

I have a serious complaint against PROFESSIONAL DEBT MEDIATION concerning your collection practices related on account, purportedly initiated on XX/XX/2018, carrying an outstanding balance of {$3000.00} ( Account number **** XXXX ). I have not given PROFESSIONAL DEBT MEDIATION permission to access or report information on my credit profile. This unauthorized action has caused me significant distress, leading to credit denials. PROFESSIONAL DEBT MEDIATION may have breached specific laws below and violated my rights : Violation of 12 CFR 1006.34 ( b ) ( 5 ) : PROFESSIONAL DEBT MEDIATION has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) But yet still placed a collection on my consumer report without informing me prior.

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given the opportunity to dispute this inaccurate information, this is a violation of my rights as a consumer. 
PROFESSIONAL DEBT MEDIATION is violating my consumer rights by using false, misrepresentation, misleading and deceptive means to collect this debt. 
Their collection agency has no authority to furnish any account/s to a consumer reporting agency without providing any and all disclosures required by law. They are in clear violation of Violation of 15 USC 1681-s2 ( 7 ) ( a ) and 12 CFR 1006.34 ( D ) : This section of the Fair Credit Reporting Act ( FCRA ) prohibits the unauthorized access of a consumer 's credit report. PROFESSIONAL DEBT MEDIATION actions may have involved unauthorized access to my credit report, which is a direct violation of these statutes.
Product: Student loan

My ex-husband and I consolidated our student loans through the USDOE in XXXX. I divorced him in XXXX, and was told that the loans couldnot be separated -- ever. I filled for and was granted discharge in full for the total amount of all conslidated loans in XXXX XXXX through Nelnet/USDOE. The following month ( XXXX XXXX ) I began recieving bills for my ex-husband 's portion of the consolidated student loans. He is not paying the loans and Nelnet is reporting the loans as my delinquency to XXXX credit bureau services. They call almost weekly, and have even tried to get my c
Product: Credit reporting, credit repair services, or other personal consumer reports

i was living in apartment with XXXX XXXX XXXX company and at the end of the contract of one year they not giving me my deposit which is {$400.00} and the need about {$1300.00} from me so i start my small claim against them and i take 2 judgments against them that i need to collect from them {$350.00} and i request many time Equifax to remove the collection but no any reply from them same from XXXX XXXX the collection company please find attached 2 judgments from XXXX Court
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian 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 remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXX/XX/XXXXXXXX Balance : {$490.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XXXX Balance : {$1300.00} Date Opened : XX/XX/XXXX XX/XX/XXXXXXXX XXXX Balance : {$160.00} Date Opened : XX/XX/XXXX XXXXXX/XX/XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX
Product: Credit card

XX/XX/XXXX. 
I called Wells Fargo since they denied my credit card to XXXX XXXX. I already had a credit card, and it was not use so in XXXX, it was canceled. I tried to explain to Wells Fargo Agent that I can not give them my Social Security number since I was compromised XXXX years ago. I get a pin number every year from the US Government, and it changes to file my taxes. 
I asked if they could proceed without social security number they said, No. I asked if I give them the last XXXX digits of it, they said, No. 
Really??? There has to be another way and the agents said, No. 
That is why I am filing a complaint against Wells Fargo Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was to call by XX/XX/XXXX. I complied. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this XXXX CFPB compliant to follow up my dispute with certain remaining fraudulent inquiries in my credit file, which I believe are a result of identity theft. Once more, none of these inquiries are associated with any transactions involving the acquisition of goods, services, or money that I have authorized or made. Therefore, I kindly request that the XXXX, Equifax and XXXX Credit Bureaus to block and remove any information in my credit file that originated from these alleged identity theft incidents : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have no knowledge of these inquiries, and I also have concerns about the accuracy of the reported history, as some of the inquiries have already been deleted by the XXXX, Equifax and XXXX Credit Bureaus. In accordance with FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

3 Credit Bureaus have not been updating the correct information on my XXXX XXXX Account.

Letter attach as proof no balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been reporting that I have made zero payments to the State of Michigan for child support dating back to XX/XX/XXXX to the present time on my credit report and this is grossly incorrect. I asked them to correct this in a dispute months ago and they never made any adjustment to this account. I know they didn't even investigate it because if they had, they would see the weekly and consistent payments that I have been making for years. I tried to submit another dispute to have them actually look at this account but they won't process it because they say it's a duplicate request under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act. That's ironic that they quote about something that's fair while unfairly and unjustly reporting false information on my credit report. Since they want to use the FCRA, I will to : According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and request an investigation into any information I believe may be inaccurate. I would like to refer to 15 U.S.C. Sec. 1681i ( a ), which states that if you ( they ) can not provide proof of the accuracy of the disputed information, it must be removed from my credit report. I kindly request that you investigate the following accounts and remove them if any information is found to be incorrect or incomplete : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX My bank account will only let me pull the transactions from the last six months online but you will see weekly payments to XXXX which is the State of Michigan 's receiver of funds for child support. Now compare that to Experian 's reporting of zero payments... They have cost me a refinance on my house, decline for credit and high interest on the cards that I do have.
Product: Checking or savings account

I called in while someone was taking money out of my account. The rep advised that they saw the transactions and started the review. Then I was told that they feel I had something to do with it because someone used my pin number when making the purchase. The purchase was in California and im in Texas so advised it was not me who made the purchases. They advised that they would not refund me because of this. Even after confirming that they are aware that simmers of your card can provide the card number and the pin. At this time they have taken out funds in my account to cover the cost of a purchase I didnt make.
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 violate 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 I seek appropriate redress for these violations! 

Sincerely XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently applied for a home loan and notice fraudulent reporting on my consumer report I did not give written permission or instructions for the identified transactions to be reported on my consumer report i am requesting that this be brought to you guys attention ASAP AND BE REMOVED AND BLOCK my request is not being made in error or is my request to BLOCK AND REMOVE basis of a material misrepresentation of fact by relevant to the request this information and transaction made by me as a consumer EQUIFAXXXXX 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 PLEASE REMOVE WITH IN 4 BUSINESS DAYS PLEASE AND THANK YOU
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, I contacted the credit bureau Experian to remove an address that is not mine. They replied the address is connected to XXXX accounts which doesnt belong to me. XXXX account in particular is mine which is XXXX they said it was connected to the address which I called XXXX and its not so I sent over documents for that account showing address. Experian refuse several times to file dispute for address on file also they refuse to file dispute for XXXX XXXX account
Product: Debt collection

I recently received a debt account for collection from Ability Recovery Services LLC for an amount of {$910.00}. Apparently, it is debt from XXXX XXXX XXXX XXXX. I have never been to XXXX XXXX and have never been treated by or seen by any physician from XXXX. I have only seen a XXXX XXXX twice in the last 20 years and it was in XXXX XXXX and both instances were paid in person. I've seen the XXXX  reports on this company, and they seem to be known for reporting fraudulent reports to trick people into paying them money. I have been receiving multiple calls daily from their outsourced call centers trying to collect a debt for something that never happened.
Product: Checking or savings account

Debit card was fraudulently used at XXXX / XXXX for the amount of XXXX $ In small increments over about a period of a month. 

Multiple small transactions were made over a period of a month or so. 

Attempted to call XXXX upon finding these transactions in my statement. This did not resolve my issue.

Contacted Navy Federal Credit Union to file a dispute and replace my debit card. 

Navy federal denied my claim for fraud with little to no evidence given to me as to why. 

They have refused to helped since.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account XXXX XXXX XXXX - XXXX is reporting as a charged off account on my Experian Credit report. 

The account has paid been off. I have attached a letter from XXXX XXXX XXXX confirm the account is no longer a charge off account.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my consumer report I noticed that two new accounts were reporting negatively on my report. I have no knowledge regarding any of these accounts. This negative reporting is problematic because now I'm unable to apply for any type of credit and what adds insult to injury I did not open these accounts. I have made all reporting agencies aware of this identity theft issue and they irresponsibly reported this harmful information. I have tried address this matter but nothing was resolved. 

In accordance with the Fair Credit Reporting Act XX/XX/XXXX( Account # XXXX ), XX/XX/XXXX XXXX XXXX ( Account # XXXX ) has violated my rights. 
15 U.S.C 1681 SECTION 602 A states I have a right to privacy. 
15 U.S.C. 1681 SECTION 604 A SECTION 2 also states a consumer reporting agency can not furnish any account without my written instructions.
Product: Student loan

I called Studentloans.gov on XX/XX/2018, seeing about consolidation of my loans with Navient. The rep that I spoke with kept asking for me to repeat my ssn. Then I was informed the reason why I couldn't see any loans on the studentloans.gov website is due to another ssn was attached to my account with Navient. I called Navient on XX/XX/2018, they stated to me that they could not see another ssn tied to my account, but they ask for me to send in a copy of my DL and SS card. I requested a full report of my account with them and they stated it will take 5-7 days due to mail.

The whole issue is that I don't believe what they say any more. I have called in so many times trying to get my monthly payment lowered and they place me on a forbearance and then state to look in my email. They can never tell me what the new monthly will be. I have had to call each month this year to ask about lowering my payment. One person forgot to submit my request. The other person told me to complete a consolidation. Each time it is something different to get more money out of you. I have been working on my credit for the past two years, so my wife and I can buy a house. Well It has been a roller-coaster due to Navient and their payments. Right now they sent me a letter saying monthly payments for a loan ( did not say which loan ) and the loan amount is XXXX, but my total loans show a big balance of XXXX. Not sure what is going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

thd ftc or fair debt violation XXXX is reporting the inaccuracy
Product: Credit reporting or other personal consumer reports

I previously notified XXXX XXXX  that I am a victim of identity theft and requested that they : Close the unauthorized account and take steps to remove information about this account from my credit files. XXXX XXXX  is reporting this account inaccurately across multiple bureaus with different charged off dates. Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history in which a charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations also a violation of the FCRA. 

I still have not received written confirmation of the requested actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately and removed from my credit reports.

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate. I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). You failed to investigate this account properly and your neglect has violated my rights. I am demanding deletions of the following account : XXXX XXXX  account # XXXX - amount {$3000.00} XXXX really do not appreciate XXXX XXXX  XXXX Transunion XXXX XXXX XXXX and XXXX doing what they please with my credit report as we know this causes me financial harm. You have a duty to report accurate information only and if its not accurate it must be deleted. Please send me the METHOD OF VERIFICATION regarding your findings.