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

I opened my account on XX/XX/year> via BMO 's promotion website : https : //www.bmo.comXXXX On XX/XX/year> I returned to the website to see that a public offer for a {$100.00} gift card was added to the site. There was also a checking account promotion, but the terms for that offer required the account to be opened between XX/XX/year> and XX/XX/year> my account was ineligible for that promotional offer. Luckily, the terms for the {$100.00} gift card said that " You do not need to meet the up to {$500.00} personal checking cash bonus offer requirements to earn the {$100.00} digital gift card, '' and additional there were no requirements for when the account needed to be opened. The terms for the {$100.00} gift card merely required ( 1 ) open a personal checking account online at bmo.comXXXX, and ( 2 ) meet with a BMO Banker within 90 days of account opening, in-branch or over the phone to discuss financial priorities and what you want and need from your banking. The personal checking account must be open at the time of the conversation. I clicked on the bmo.comXXXX link and it redirected me to https : //www.bmo.comXXXX, which is where I had opened my account, so my account was eligible for the {$100.00} gift card under the first requirement for the offer. 

That same day ( XX/XX/year>, which was within 90 days of opening my account ), I reached out to banking support to see how I could set up a meeting with a banker for the {$100.00} gift card promotion and was given instructions on how to do so. After speaking with a banker and revealing details of my personal financial needs and goals, I received a confirmation e-mail summarizing our conversation. I had then satisfied the second requirement for the offer. 

Pursuant to the terms of the promotion, I followed up after 60 days when I had still not received my gift card. After some back and forth with the bank, I was told that the {$100.00} gift card promotion was targeted. This is clearly not true since it was a public offer on the same website through which I had opened my account that had no language saying you had to be targeted and when I had reached out to the bank on how to fulfill the terms of the promotion they gave me instructions on how to do so ( instead of, for example, saying that it was targeted or that my account was ineligible ). 

I do not take the value of my personal financial information lightly and I would not have freely shared this information with the bank without the {$100.00} gift card offer. 

I have attached the public offer terms, the confirmation email from the banker, the instructions from banking support and the further correspondence that ended with them telling me it was targeted.
Product: Credit reporting or other personal consumer reports

XXXX months ago my credit score was perfect I got an alert that my credit score went down to XXXX amd I automatically call Transunion, this was only on transunion and they told me more than XXXX accounts were put in on my credit they were disputed and they remove them all was so happy but my credit score didn't change and I work hard to pay on time and to have my credit score excellent, credit union is reporting my credit score incorrect, I want my credit score correct
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in disputes along with the police report and XXXX, TRANSUNION, & XXXX continues to report these accounts that I do not recognize. Some of these accounts were reported as fraud with the police.
Product: Credit card or prepaid card

Hello, I requested a balance transfer of {$600.00} from one of my American Express ( Amex ) cards to my XXXX XXXX XXXX ( XXXX  ) credit card on XX/XX/XXXX. However, on XX/XX/XXXX, I checked that it was not processed on XX/XX/XXXX. So I talked to BoA on phone while chatting with Amex on their chatting system. The XXXX said that it can not be processed on the day ( XX/XX/XXXX ) and the Amex said that they did not receive any request from the XXXX XXXXXXXX XXXX. So I cancelled the balance transfer with the XXXX and told the Amex about the cancellation - I first requested an adjustment of the amount transferred but XXXX said that it is not possible, which leads to the cancellation and another balance transfer. However, on XX/XX/XXXX, I was aware that it had been processed. {$600.00} was transferred to the XXXX. That is, both balance transfer were processed. 

I don't know why the cancellation of the first balance transfer does not work, that is, why it is processed despite of the cancellation. I had spent all day trying to resolve this problem by cancelling the balance transfer. I don't think that both sides try to help me. On XX/XX/XXXX, I talked on the XXXX XXXXXXXX XXXX side to XXXX XXXX XXXX, XXXX XXXX, XXXX ( He said he is a security but did not wear an uniform, refusing to provide his last name ) in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I don't know the name of the person whom I talked to but he is the one who processed ID XXXX ( or XXXX ) which I did with him on the same day. I chatted with lots of people on the America Express side.
Product: Debt collection

Kirkland Management XXXX, CASE # XXXX called my daughter 's in-laws asking where I was and complaining about a debt they stated I owed-my telephone number is listed and I live in XXXX-they called the above in XXXX in an attempt to discredit and embarrass me with my family-in addition, discussing private information with parties not associated with the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with the XXXX and this affected my ability to get employment. My rights are being violated. Please Help me! 

I asked Transunion to fix this problem I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way, I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I would like monetary relief per violation of my rights 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 an account without my written instructions. 

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the customer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want XXXX XXXX per violation. 


XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX Please fix these problems
Product: Debt collection

I have reached out to this company over the past several years trying to resolve this debt but to know avail I clearly stated to them that I was a part of the XXXX  XXXX data breach and that this debt is not mine I have never made a payment to this company ever they falsely reported that I made a payment from a secured savings account I never did I asked them to send me a complete payment history of this acount to see when and what method the alleged payment was made they never sent it and they are reporting this account wrong on my consumer report thats a direct violation of the fdcra also they listed the account as unsecured but they said I made a payment from a savings account that I had secured with them, I see they have charged this account and have received tax credits from the IRS but they want give me a 1099-c so I can file it with the IRS so that Ill be in total compliance with all tax laws and I have reached out to them on several different occasions but to no avail.
Product: Mortgage

The mortgage was charged-off in XXXX. They kept threatening to foreclose until I paid. I had no funds until XXXX and learned I have been paying on a debt that was closed out years ago. They lied and said there was a lien on my property.
Product: Credit card or prepaid card

On XX/XX/XXXX, I paid off my Sears MasterCard with a balance transfer on a lower interest credit card. I called Sears that morning to find out the exact amount of payoff. The transaction was made on XX/XX/XXXX, the payment was made to Sears on XX/XX/XXXX. 
( I have credit card statement showing this ) After transferring the balance, I received a statement in the mail from Sears, which I will be honest with you, I did not open as I knew I had paid off the account and assumed that is what statement was, showing my payoff. 

I then received another Sears statement in the mail the following month and not understanding why I would be receiving another statement I opened it and to my surprise it showed that I owed {$100.00} The statement shows my balance was paid in full, but not posted until XX/XX/XXXX. The payment was made the morning of XX/XX/XXXX, and was confirmed with Transfer credit card that same afternoon. 

After posting my payment a day late, they charged me {$37.00} late fee, dated XX/XX/XXXX and then {$33.00} interest charges dated XX/XX/XXXX. 

Another {$37.00} late fee on XX/XX/XXXX and {$2.00} interest dated XX/XX/XXXX. At this point I called them to try to find out what was going on. I was told that the payment was not posted to my account until XX/XX/XXXX. I explained that I had the credit card statement showing that the transaction was processed on XX/XX/XXXX and was told by a Sears representative that " Even if your payment came in on the XX/XX/XXXX, it was not posted to your account until XX/XX/XXXX, which is late '' ... How is it my fault that they didn't process the payment on the due date? I mean if that is the case, the company could choose to process payments any old time they felt like it couldn't they? 

Sears was unwilling to waive the late fees. The interest they are charging me on my XXXX statement is clearly for the full amount which even by their own admission, Payment in full had already been made. There is no reason I should owe that. I called to find out payoff amount. The rest of the interest is on late fees. 
Can you please help me settle this? I do not feel that I owe them anything else. I PAID OFF my account in full on the day that it was due! 

Thank you, XXXX XXXX XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received repeated emails from individuals pretending to be from Equifax asking me to click on links to get my free credit score. 
The latest email was titled Equifax-Update sent to me from XXXX I suspect it is a phishing scam.
Product: Prepaid card

Upon conducting an investigation into the matter, Bank of America has reported that there is no record of balance inquiries or declined transactions due to insufficient funds or card closure. According to Bank of America, these findings suggest a knowledge of the available funds or card status. The transactions in question originated from my residential address, and there is no indication of irregular aggressive spending or a high frequency of transactions. It is noteworthy that these transactions ceased when the balance was depleted and resumed upon the replenishment of funds, indicating an awareness of the account balance. Furthermore, Bank of America has verified ATM footage and performed a comprehensive assessment of the associated risks before processing the XXXX XXXX transfers, involving the submission of two forms of identification for verification at a branch. 

The reasons provided by Bank of America for rejecting my claims have been effectively refuted by the documentation I have presented. I have consistently communicated to Bank of America that I had no control over the account and was unaware of any activities until I received correspondence regarding a filed claim. Upon receiving the notification, I promptly contacted the bank to emphasize that I did not initiate the claims or any associated transactions. Moreover, I have diligently furnished substantial evidence of my whereabouts during the transactions, including employment records, apartment lease, and bank statements from another institution. Additionally, a submitted photograph clearly indicates the absence of tattoos, in contrast to the individual depicted in the ATM footage. The lack of tattoos serves as compelling evidence to establish that I am not the individual in question. Every reason cited for the denial of these claims has been thoroughly addressed and substantiated with documentation on multiple occasions. In my assessment, Bank of America has failed to acknowledge and redress this situation, despite the evidence provided. The genesis of this situation dates back a few years when I did not receive my initial debit card and encountered difficulties in reaching Bank of America via telephone. Despite enduring hold times of up to XXXX hours per day for several months, my calls were either disconnected or went unanswered. While I acknowledge the challenges posed by the pandemic, I find Bank of America 's failure to deliver adequate customer support and safeguard its customers unacceptable. I urge Bank of America to rectify all transactions associated with these claims and any others that may have transpired and to credit my account accordingly. I appreciate any time and effort dedicated to assisting me with this matter. Thank you.
Product: Mortgage

To whom it may concern, Greetings my name is XXXX XXXX and my husband and I bought our XXXX home about XXXX years ago. We have been having problems with flagstar because we have been having a escrow shortage every year and the payments have been the same for the time us being here. I protest my taxes every year and show a homestead exemption that will give me a discount on my taxes every year! Numbers are still incorrect on my escrow analysis and I also had tax collectors call me that they have not been paid yet when flagstar Bank claim they have paid out and they also do work with a third party to send form of payment it is my 2 years im going through this! Please help me correct my numbers on my mortgage account they do not seem to want to corporate and I do not want to loose my home I am up to date have not missed a payment! There is some weird activity that I don't understand and need a professional to help me. I am trying to work with a broker to refinance but I need my escrow analysis to be correct especially if I have not had my homestead applied to our account. I think they are over charging me and the numbers are getting worse and worse... 
Thankyou XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I contacted XXXX to request additional information regarding charge-off account # XXXX, which is being reported by XXXX, XXXX, and Experian. Despite providing my full name, address, the last four digits of my SSN, and the full account number, XXXX responded on XX/XX/2024, stating they could not fulfill my request due to insufficient information. Adhering to protocol, I filed a dispute with the credit bureaus on XX/XX/2024. However, on XX/XX/2024, XXXX reiterated the same response, yet the charge-off continues to appear on my credit report. Both response letters from XXXX is attached. 

XXXX, XXXX, and Experian, how can you claim that the account has been verified by the creditor when XXXX can't verify me despite having all my details like full name, address, account number, and last four digits of my SSN? Please see the proof of attachment.
Product: Credit card

The company : American Express Subject : Formal Complaint Regarding Change of Due Date I am writing to formally address an ongoing issue with my Business Delta Skymiles credit card. Despite multiple requests and agreements, the company has failed to implement the requested change of due date on numerous occasions, resulting in the incurrence of multiple late fees. 

While the company initially credited two late fees as a remedy, the problem persisted. On the third attempt to modify the due date, the company once again failed to make the necessary adjustment. Consequently, another late fee was debited from my account. 

Despite providing evidence of a recorded phone conversation where the change of due date was confirmed three billing cycles prior to the occurrence of this late fee, the company has refused to acknowledge any wrongdoing. Furthermore, they have declined to reverse the most recent late fee. 

This situation is both frustrating and financially burdensome, and I am seeking resolution for the undue late fees incurred due to the company 's failure to adhere to the agreed-upon changes. 

I kindly request a thorough investigation into this matter and a prompt resolution. 

Thank you for your attention to this matter.
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : RXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX and I am reaching out to complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible.

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Product: Mortgage

I was told by phone and in my loan modification one payment and it has now change. My escrow account seems rig. I did n't sign or agree to no other payment. Ocwen is still ripping homeowners off and lying about their agreements. Every time I call each rep gives me a different answer than the other..And they just say I 'm sorry ''. And I say sorry does n't help me. They need professional people that know what they 're talking about and not hang up on their customer. Yes an Ocwen rep hung up on me on XXXX XXXX at approximately XXXX. It appears he got frustrated because he could n't answer my questions. I called back, and all the next rep has to say is " sorry ''. I 'm XXXX off with Ocwen and they need to be legally check again for their mishaps..They are wrong, AGAIN!
Product: Checking or savings account

XXXX negative in checking account. I called customer service at WesBanco bank. Was transferred to Bank manager XXXX. He proceeds to look up my account. I told him around XX/XX/XXXX XXXX I spoke to customer service about checking account being In negative charged XXXX. I had been really sick no funds. Lady from WesBanco says its best to freeze accounts to prevent additional NSF fees that could possibly occur if tries to clear again. 
XXXX said I can speak to his boss which he transfers me.to-his boss XXXX she tells me they do not Freeze accounts. Very negative she told me my account will be closed wont be able to get account again if I dont pay. I never mentioned a word about not paying would not listen or look thru through statements with me. Treated once again like N XXXX. I said thats how it was explained to me. She then repeatedly points out from XXXX XXXX How many pages of bet mgm were on my account from XXXX
Product: Credit card or prepaid card

Please refer to Case XXXX Chase Bank, committed on XX/XX/2019that this account which was fraudently opened in my name, without my authorization was closed. Yet I continue to receive request to verify or update my contact information.
Product: Credit card

XXXX U.S. Code Title 15 CHAPTER 41 SUBCHAPTER IIA 1679d Quick search by citation : Title enter title Section section 15 U.S. Code 1679d - Credit repair organizations contracts U.S. Code Notes prev | next ( a ) Written contracts required No services may be provided by any credit repair organization for any consumer ( XXXX ) unless a written and dated contract ( for the purchase of such services ) which meets the requirements of subsection ( b ) has been signed by the consumer ; or ( XXXX ) before the end of the XXXX period beginning on the date the contract is signed. 
( b ) Terms and conditions of contract No contract referred to in subsection ( a ) meets the requirements of this subsection unless such contract includes ( in writing ) ( XXXX ) the terms and conditions of payment, including the total amount of all payments to be made by the consumer to the credit repair organization or to any other person ; ( XXXX ) a full and detailed description of the services to be performed by the credit repair organization for the consumer, including ( A ) all guarantees of performance ; and ( B ) an estimate of ( i ) the date by which the performance of the services ( to be performed by the credit repair organization or any other person ) will be complete; or ( ii ) the length of the period necessary to perform such services ; ( XXXX ) the credit repair organizations name and principal business address ; and ( XXXX ) a conspicuous statement in bold face type, in immediate proximity to the space reserved for the consumers signature on the contract, which reads as follows : You may cancel this contract without penalty or obligation at any time before midnight of the XXXX business day after the date on which you signed the contract. See the attached notice of cancellation form for an explanation of this right..