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

I opened a XXXX  checking account with BMO Harris in XX/XX/2022 and completed all terms associated with a {$500.00} cash bonus. I had direct deposits totaling {$8000.00} during the evaluation period, greater than the {$7500.00} needed. BMO credited me {$300.00}, an amount associated with another lesser bonus. In an attempt to get BMO to resolve the problem, I called multiple times. Every one of the 4 times I called I could not make any progress toward a resolution. The employee that I got the farthest with said it appears that I did everything I needed to do to earn the {$500.00} bonus but he couldn't fix it or reach the department that could. XXXXwo calls were dropped. Once, I was transferred to a loud static sound. I have spoken with 4 people that were unable to help. I do not have hours to waste trying to contact this poorly functioning institution. I have completed the terms. BMO must follow through on its side of the agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Account name : DEPT OF EDUCATION/XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I bought a money order from PLS Check Cashers of New York, Inc. Money Order XXXX for ( XXXX {$1400.00} ) to pay my rent and It was stolen. When I returned to the store to claim my money back because it was forged, and the information on the money order was altered from XXXX XXXX XXXX to XXXX XXXX. I was told to get an affidavit, which I did on XX/XX/XXXX, and waited the XXXX months I was told the investigation takes. XXXX months later, I was told the documents expired and needed a new affidavit again ; I provided them with a new affidavit on XX/XX/XXXX and a notarized letter explaining what had occurred with the money order. 
At this point, I do not know how to recover the money I lost thanks to their negligence. I am pleading for your support because I need the money right now, and my working hours have been cut to almost 20 hours a week. 

I have called the TV show XXXXXXXX XXXX XXXXXXXX for support, and they have told me to come to you guys for more support. 
Please help
Product: Debt collection

Good day, I hope this message finds you well. 

I am writing to address a recent issue with my XXXX score, which was negatively impacted by an account reported by CREDIT MANAGEMENT LP without prior notice. Upon discovering the impact on my score, I promptly contacted CREDIT MANAGEMENT LP to dispute the reporting of the account without prior notification of the outstanding payment. To my surprise, I learned that the reported payment was related to a contract termination fee with XXXX XXXX. 

In an effort to resolve the matter and reverse the negative impact on my score, I immediately settled the outstanding payment with CREDIT MANAGEMENT LP on the same day. Despite settling the payment, I have not seen any positive change in my XXXX score up to this date. 

Earlier today, I contacted XXXX to inquire about the account and explore the possibility of disputing it. However, I was informed that there is no account to dispute as the payment has already been settled. Subsequently, I also reached out to CREDIT MANAGEMENT LP again, but they were unable to provide further assistance, stating that the payment has already been resolved. 

As my XXXX score continues to be negatively affected, I am turning to you for help and guidance in resolving this matter. Your expertise and support in addressing this issue would be greatly appreciated. 

Thank you for your attention to this matter, and I look forward to your assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon trying to rebuild credit, I received an updated credit report in XXXX XXXX 2017, that reflected an account charged off/closed from XXXX XXXX XXXX on my file. This was shocking news, and explained what was hurting my credit. I never applied for anything with this company. When sending requests directly to XXXX XXXX XXXX, for verification and validation of debt bearing my signature, per my right under the FDCPA Section 809 ( a ) and ( b ), this company refuses to provide and just send letters stating " refer to your credit card agreement ''. ( Which I have record of ). What was even more shocking is the fraudulent account they are reporting is in my maiden name. Which I have not applied for anything in several years under that name. They have never sent verification nor validation of any kind bearing my signature. I 've even tried to dispute this with credit bureaus to have this fraudulent account removed. I will be consulting with my attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof several times, which I have certified letter confirmation of, and they did not comply.
Product: Debt collection

By pressing the correct number on my phone, I indicated the party they are trying to reach does not live here.
Product: Credit card or prepaid card

I have been a Discover card member since XX/XX/2010. Today, I learned that each month, I have been getting charged for something called " Discover Payment Protection ''. This charges my card based on my current balance, and is currently averaging about {$60.00} per month. Over the past 8 years, these charges equal thousands of dollars. 

I was NOT aware of this " service '', and however I was signed up for it, it was not to my knowledge or with my explicit consent. The " service '' was never transparently presented to me, and Discover is unable to provide the documentation that kicked off the service for me in the first place. 

There was a lawsuit over this very issue, but Discover has since changed their policy to only refund 6 billing cycles worth of these " service '' charges ( as opposed to the full refunds that consumers have gotten previously ). I spoke to various people in this department of Discover, and all said that there is nothing they can do beyond the 6 billing cycles. They all kept reading from the same script, and not directly addressing my concerns. They claim that the monthly charge being included in my account activity and " newsletters '' are enough to notify me that I had this service. 

If you do not check your account activity, or do not read newsletters from your credit card companies, there is no other was to know this is happening. 

I feel that this I was signed up for this deceitfully and I am owed all of the money that has been charged to me since XX/XX/2010, not just in the past 6 months. I am truly considering leaving Discover and taking my business to another credit card company who doesn't use these low bar tactics to make money.
Product: Student loan

Attached is a letter from MOHELA received XX/XX/XXXX that my account will be placed on XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I received no explanation, though I suspect it is in response to my last CFPB complaint about MOHELA 's failure to provide my interest subsidy from my ongoing SAVE plan payments. The current outstanding interest showing on my account is {$4800.00}, even though I have made monthly payments on the SAVE plan since XX/XX/XXXX. 

On this General Forbearance, interest continues to accrue daily. This forbearance letter states that interest may capitalize at the end of my forbearance period, even though there should be no remaining interest in the first place. I am concerned that MOHELA is attempting to capitalize my {$4800.00} of interest that I should not owe in the first place, as well as any interest that accrues during XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

Service Finance Company , llc installed solar panels and backup battery at my home. They advised me in writing that I would receive tax and bonus credits totaling 30 % or {$13000.00} to offset the cost of this system. This would maintain my monthly payments at {$130.00} for the life of the loan. There are no credits available to me that will pay down this debt. The company has increased my payments and claim that my loan is delinquent. To date no bonus credits or discounts have been applied by the company toward this purchase. {$130.00} is deducted from my checking account each month. The company refuses to speak with me about this purchase. Thank you.
Product: Debt collection

In XXXX of XXXX, I felt that I was having some XXXX XXXX. I contacted XXXX XXXX XXXX to find out if my XXXX XXXX XXXX would cover the visit. They assured me that it would and I scheduled an appointment. I saw XXXX XXXX twice in XXXX. I had a XXXX  that he filled which came out 2 weeks later. He fixed it again and it came out the third time. I went into the office on XX/XX/XXXX to have it fixed again. He told me that it was a difficult filling and that since it was not on a weight bearing tooth, that it wasnt necessary to fix it again. I walked out scratching my head as I have never heard of such a thing. Then I receive a bill for {$720.00}. I called and spoke with the office, and it did not matter that they had told me that XXXX would pay, that it was my responsibility and I should call them. I told them I did not have money to pay this bill. Very soon after I was turned into Ashwood Financial. I have tried to pay them {$10.00} a month. I have worked hard to have good credit, and this entire thing is very upsetting. If anyone can help me get out from this debt or make sure others dont have to go through this, please let me know. Thank you.
Product: Credit card or prepaid card

I have asked 3-4 times for a copy of a rewards letter ( XXXX XXXX ) that was earned. Every time i was told it shouldn't be a problem and another team needs to investigate. Nothing has been done and the XXXX XXXX does expire
Product: Credit card or prepaid card

I switched credit cards with Wells Fargo from the cash wise card to the active cash card on XX/XX/XXXX. I called customer service to confirm that I would be eligible for the {$200.00} sign on bonus for spending {$1000.00} in the first 3 months, even though I was switching my credit card and not signing up for a new one. They confirmed that I would still be eligible. I called again after my card arrived, expressing my concern that the progress for my reward was not being tracked on the website, and I was told that it would show once I met the {$1000.00} threshold. I met the threshold in XX/XX/XXXX, and called again since the bonus had not showed. I was told a case specialist would be working with me. He later called me on XX/XX/XXXX telling me that it was on record that the operator told me I would be eligible, but I was lied to, and that there was nothing they could do to get me the bonus.
Product: Debt collection

This involves the  XXXX   XXXX   XXXX    XXXX   (   XXXX   ). I enrolled to receive an estimate of the schooling cost and wanted to start college. I was enrolling for financial aid and got approved, but the money NEVER transferred to my account. It seemed no one at the school knew how to resolve my issue so I disenrolled from the school and the classes. Then the school called me and told me I owed money for classes I disenrolled from because the disenrollment date had passed before I dropped them. I refuted them for the charge because I should n't owe money for absolutely nothing. I was told I would get help to resolve the issue but no one ever called with further information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax numerous times in reference to XXXX XXXX XXXX XXXX XXXX  Date openedJun XXXX, XXXX. Equifax has this account charge off as off XX/XX/XXXX. Equifax has been updating this account as a charge off since XX/XX/XXXX to this current year of XX/XX/XXXX. This falsey manipulates the statute of limitations.
Product: Credit card

I got the savor one card from capital one that says if you spend XXXX $ in the first 3 months you get XXXX $ back but I called and the person on the phone said I do not qualify because I did not click the button on their website for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to, 15 U.S Code 1681c-2 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 alleged identity theft, not later than 4 business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items as soon as possible These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 US code 1681 - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the Written Instructions of the consumer to whom it relates. I NEVER gave any consumer reporting agency Written CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the delations of the accounts listed IMMEDIATELY
Product: Debt collection

On XX/XX/2021 I contacted the company Caine and Weiner via a letter sent through the United States Post Office, regarding a collection I noticed on my credit report. The letter requested verification of the debt, along with proof that Caine and Weiner is licensed to collect debt in the State of New Jersey. At that time Caine and Weiner was not licensed with the Attorney General to collect debt in New Jersey. The collection agency did not verify the debt, but responded to my letter with a copy of a bill I did not recognize. On XX/XX/2021 I responded with a second letter that asked for a verification of the debt, there was no response from Caine & Weiner. On XX/XX/2021 I sent a third letter which was a non response letter. In return the collection agency did respond with another copy of the bill, and no proof that are registered to collect debt in New Jersey. I have attached a signed return receipt from the post office, as well a stamped receipt with the company 's name and address from the post office.
Product: Credit card or prepaid card

This is regarding Costco Citibank credit card payment of {$1200.00} which was received by Citi cards Costco on XXXX XXXX,2017 and was not posted to my account. For over 4 months of communicating with Citibank and repeated faxing of the information requested, I received a letter confirming the credit of this amount with associated interest.. however, when my current statement was received for charges through X/XX/17, none of these credits are reflected and the original amount and interest is reflected as " previous balance '' without any description. I again called Citibank and they have no record of the letter sent to me, nor any record of the numerous faxes sent to them at their request. To add insult to injury, they even took a payment made in a similar amount to another of my card accounts and credited it to the disputed account, without my permission. I am willing to provide copies of any or all of this information on request.
Product: Vehicle loan or lease

Hi. I was victimized by Wells Fargo bank and dealer services. I was approved for a auto loan of {$12000.00} to purchase a XXXX XXXX XXXX  XXXX with XXXX miles on vehicle when I purchased I paid in total of {$19000.00} in payments to Wells Fargo/dealer services. Now they are saying I was late too many times and I never got mail from them saying that my car has been charged off and I owe {$7400.00} or my car is going to be repossessed! I have already over paid for this car! Not to mention the 12 recalls that my XXXX XXXX XXXX had on it! I was without an engine and often with out a drivable car for a total of 3 months dealing with all the recalls. I shouldnt had have to make any payments on a vehicle I wasnt able to drive due. They have over charged me in interest for this car. They put their own insurance on this car without my knowledge, and charged me for it when I already had insurence! It was over {$1000.00} a month when they just added their own insurance. I do not owe anything else on this car. Wells Fargo dealer services has been harassing me and said they will be coming to get the car. They are violating my rights as a consumer. To come steal the car Ive paid for! Wells Fargo also opened up different accounts in my name and I was apart of that law suit in California when I had a checking account with them. I need your help because I dont trust this bank and what they are doing to me!
Product: Credit card or prepaid card

CHASE. CC XXXX 1. Violation- Card Act SEC . 106. RULES REGARDING PERIODIC STATEMENTS. 

ISSUE : Billing Statement with a billing cycle schedule closure date of XXXX XXXX actually closed on XX/XX/XXXX and incorrectly reflects a closure date of XX/XX/XXXX ( DECEPTIVE TRADE PRACTICE ), This specifically resulted in consumer incurring an additional finance charge, increased card balance and negative impact on credit score because scheduled payment on XX/XX/XXXX of {$150.00} was not applied to consumer credit card account. 

2. Violation of CARD Act SEC. 104. 164. Prompt and fair crediting of payments. 

ISSUE : Chase failed to apply payment of {$150.00} on XXXX XXXX and did not provide warning/prevent at time of scheduling payment that payment could/ would not post on XXXX XXXX but until Monday XXXX XXXX XXXX. This resulted in consumer incurring an additional finance charge, increased card balance and negative impact on credit score because scheduled payment on XX/XX/XXXX of {$150.00} was not applied to consumer credit card account. 

First Chase contact date : On XX/XX/XXXX. I contacted Chase and Chase supervisor indicated that my pending payment XX/XX/XXXX for {$150.00} could be applied against my current statement balance. The balance could be reduced by the pending amount. 

Second Chase Contact Date : On or about XX/XX/XXXX, contacted Chase Chase supervisor indicated that my payment XX/XX/XXXX for {$150.00} applied on XXXX XXXX was correctly applied and billing statement that closed on XX/XX/XXXX and reflects closure date XX/XX/XXXX was valid
Product: Debt collection

They call me at least XXXX times a day. When I tell them I am not allowed to answer calls on my phone at work, they tell me they can not stop the calls because they put my number into an auto dialer. They have even called me on hollidays. The calls start at XXXX XXXX and go until XXXX XXXX. They have even said that consumer laws do not protect the consumer, but the creditor. Then they started calling my wife and even my dad who lives in another state, however, my number is the only number on the account.
Product: Checking or savings account

I had been through a scam and filed multiple claims as there were multiple transactions and as of right now two of them have been rejected as they have gathered evidence that it was not a scam. I was lied to about receiving tutoring and a software which then led to extortion. These scammers also lied about being in the country. The officer I am dealing with confirmed to me that they are using fake phone numbers to contact me. I have the surgeries involves as well. The two that have been rejected are for {$450.00} and {$360.00}. I am XXXX and I was scammed.
Product: Credit card or prepaid card

CFPB, I received a notice on XX/XX/XXXX from Chase Bank about " Important Changes to Your Account Terms. '' I have been a customer of Chase Bank for 27 years. My current rate is : 8.24 % and its being increased to 13.24 % ; that is 60.67 % increase! I contacted two account reps on XX/XX/XXXX and the increase is due to " aligning all customers with similar accounts to new APR. '' The document says " your APRs are below the lowest APRs we currently offer on similar accounts. '' The account reps said it was NOT because of any problem with me, but its happening to all customers. I asked if they could give me a lower APR and they responded, there was nothing they could do at all ; is this legal??
Product: Debt collection

Received a statement ( not itemized ) from Rent Recover Solutions, XXXX saying that a balance of {$5100.00} was due from 2012. This communication was mailed to my place of employment and to a post office box that I no longer have. 

The original bill is from the XXXX Apartments and was in the amount of {$650.00} which was not paid. The XXXX Apartments sent this to collections where it appears fees have incurred. 

Rent Recovery Solutions is threatening a judgment.