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

I opened my account on XX/XX/XXXX, when there was a promotion for {$250.00} for account type 1 and {$400.00} for account type 2. The terms stated that the bonus is based on the account type 120 days after opening. Instead BMO looked at my account type on day 90 when it was type 1 instead of at 120 days when it was type 2, and only gave me a {$250.00} bonus. At some point after I opened my account the terms changed to 90 days, but were 120 days when I opened the account. I tried to explain this to BMO, but they claimed that the terms always stated 90 days and never 120 days, and did not fix the bonus. A promised call back from a supervisor never materialized. The terms for the offer are here : https XX/XX/ Indeed it currently says 90 days, but it has changed back and forth between 90 and 120 days in the past, according to web.archive.org. They do not have a snapshot from XX/XX/XXXX or any time shortly before that, but if you go back further, between XX/XX/XXXX and XX/XX/XXXX you can see the terms changed from 90 to 120, and stayed that way until XX/XX/XXXX when they changed back to 90. So the bank 's claim that the terms never stated 120 days is not true. I know what I saw on XX/XX/XXXX but didn't take a snapshot myself because I didn't think it would be necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to Chex System in regards to a paid debt XXXX XXXX XXXX and dispute because it was showing incorrect information. I sent in documents and communicated. Now company is saying the will no longer take any dispute from me and should be against the law to keep inaccurate information on my consumer report.
Product: Checking or savings account

Bank of America closed my personal checking account without giving any reason and holding the funds total {$1200.00} saying the check will be mailed it to my home address once the account is closed. However, I reached out to the Bank of America today and they refused to giving me any reason for not mailing out the check and told me that the funds will continue to be hold without giving any estimate time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found inaccurate information on my consumer report and notified Equifax via certified mail with proof of my identification and location information. Equifax was to initiate a reinvestigation and remove the inaccurate information and it has been more than 30 days since notifying them and they are still publishing the inaccurate information which is a violation of the Fair Credit Reporting Act.
Product: Mortgage

My Refinance of my mortgage was first " financed '' by XXXX XXXX XXXX XXXX, I agreed to the terms of the FHA refi, and signed papers, all went well/smoothly ... I agreed to the {$410.00}. per month mortgage payments, etc. 
My loan was " sold '' to Rushmore Loan Management Services LLC -- and there have been multiple problems since then. 
My Escrow account was " evidently '' short, so they raised my Escrow and Mortgage payments by {$50.00}. per month.. -- In phone calls to RUSHMORE I found out they had a " XXXX XXXX '' insurance policy added on to my Escrow account. I DON'T HAVE AND HAVE NEVER HAD A XXXX XXXX POLICY. They evidently removed that ... and my Escrow and payments did NOT go down ... They then " added '' on Flood Insurance.. without contacting me at all. [ They had all the paperwork from the original XXXX   XXXX, which included the paperwork to prove that I DO NOT LIVE IN A FLOOD ZONE, and Flood Ins. is optional not mandatory for me. ] Information and documentation on the " Flood Insurance not mandatory '' for my area was AGAIN provided to them. I don't know yet if they have removed that and lowered the 2019 payment from well over {$500.00}. back the the only {$50.00}. over my initial agreed upon payment amount of {$410.00}. 
MOST RECENTLY ; I had to change my bank account due to someone " getting into '' my home computer.. for security reasons. Having to change this, after 20+ years caused some issues for me, in differentiating between my " member number '' and " account number '' with my Credit Union .... causing a RUSHMORE automatic PAYMENT to be returned/rejected due to the wrong account information ... one month. The next month my ONLY INCOME of XXXX did not go into my checking account, due to erroneous account information.. month two ... causing the Rushmore automatic payment to be rejected/unpaid. All information has been corrected. I have spoken to RUSHMORE " CUSTOMER SERVICE '' on a few occasions ... it is frustrating to do so. 
THEY ARE PRIMARILY AND FOREMOSTLY operating and acting as a " COLLECTION AGENCY '' ... very impersonal and inflexible, and we all know how frustrating it is to deal with a FOREIGN company when trying to solve a customer service issue. I have explained completely and fully the account errors in changing my bank account. I'm a XXXX year old XXXX woman who lives alone and on a very limited income.. I am XXXX XXXX. I have NEVER had any account in arrears, not a mortgage, or any debt, no utility has ever, ever been turned off for lack of payment. I have always paid all of my bills on time and as due ... I resent being treated and spoken to as if I am irresponsible and a credit risk ... My honest explanation for what had happened, once in a lifetime BEING IGNORED COMPLETELY by the Company. 
XXXX foreign customer service rep. told me that my payments would be " CERTIFIED FUNDS ONLY '' -- putting a physical hardship on me, XXXX .... and I told her that was not going to happen ... these two payment snafus were a one time, special circumstance and NOT done by someone with a poor, unreliable credit history/payment history. 
Thank you.
Product: Credit reporting 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 USA 1681. The accounts below have violated mi rights. 15 u.s.c 1681 section 604 A soction 2 ; It also states a consumer reporting agenes eannot fumish a aceount withont my written instructions. 15 D.S.C 168le. ( aN.5 ) section status : no consumer reporting ageny may make sy consuser rept Conainnny ofte foloning here of informatiun an other advore cen of inforution other than reourls of convictions of crimes winch antedates the renor by more than teren yan . IS US.C loSTs-2 ( Alo ) A person shall nol furnesh any informagon gons say couss repine aneney if the purson knows or lans remonable couse to 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 XXXXXX/XX/year>
Product: Debt collection

I have made several formal written request to XXXX XXXX regarding two collection accounts that can not be validated. They are in the amounts of {$1200.00} and {$600.00}. the original creditors are Capital one and XXXX XXXX. My last dispute was in XXXX of 2018. They have not been able to provide me with any type of signed document from the original creditors showing that I owe this dept. This is required under the FCRA 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Also they are still reporting every month to my credit report witch under the 611 ( 5 ) ( A ) states that if they cant provide me this information they must Promptly Delete It. I  feel like unless I am going to take them to court, they can do whatever they want and theirs nothing more I can do. Please Help me with this,
Product: Bank account or service

In XXXX of last year I opened a new account with a requisite {$50000.00} to take advantage of the promotion that the customer service person mentioned to me ( while I was in the bank on another matter ). I did open a new account and brought {$50000.00} 'new ' money into it ( broke it out of another very good paying interest account with a credit union ) .The promotion indicated that I would receive a bonus {$400.00} after three months of 'new ' money in a new account. 
In XXXX of this year I called customer service asking when that bonus would be available, having left the deposit untouched since XXXX. I was told ( by a very pleasant gentleman, XXXX ) that it appeared that my account had been deposited into another promotion that was running simultaneously and that would yield additional interest, but no {$400.00} bonus. I told him that I had even confirmed this bonus program with the ad in the local newspaper and XXXX said that of course Citi would make good on its commitment and I would receive the bonus. He said that he had spoken with his supervisor and that person would call me within the hour. No one called. 
In the morning, I received a SECURE message. XXXX that needed a special password to open - no password was sent to me. So I called again and spoke with another very pleasant gentleman, XXXX. XXXX researched my situation and again confirmed that Citi would make good on the commitment. The secure message indicated that I would receive {$23.00} as additional interest, but no bonus. XXXX actually deposited the remaining {$370.00} to my account to make the {$400.00} bonus. I was very pleased. 
The next morning I received yet another SECURE message, this XXXX indicated that the original {$23.00} was correct and then the {$370.00} was whisked out of my account. I called back very disappointed, spoke to several people in the XXXX XXXX call center until I finally got back to XXXX. He said that he had exhausted all of his avenues and I would need to go to the branch where I originally made the transaction and speak with them. 
I did that - the manager is no longer there, the customer service representative is no longer there. The representative that tried to help me was told that there were XXXX promotions going on at the same time and I was enrolled in the extra interest XXXX, not the bonus XXXX ( heard that from both XXXX and XXXX ). Note that I was unaware of the extra interest promotion at the time I was told to bring in new money for the bonus promotion. All of the people I spoke with told me that Citi would correct the error and make good on the commitment - although not XXXX has been able to do so.
Product: Debt collection

I have uploaded all of the following documentation to show record of the original debt collector Unifin on behalf of XXXX XXXX XXXX XXXX offered as shown in the documentation a settlement in the amount of {$600.00}. I scheduled auto draft payments and held my promise to pay off {$75.00} a month. At this time the settlement has been paid in full. Ive recently received another letter for collection on the same debt for the remaining deficiency balance of {$400.00} from the original debt collector XXXX XXXX XXXX XXXX which looks as if the remaining balance was resold back to the original collector which doesnt make any sense why would you sell the debt and then buy it back?
Product: Credit reporting or other personal consumer reports

Although all of my student loans have been transferred to XXXX, XXXX continues to report to Experian, et al. that I have open accounts.
Product: Checking or savings account

Im a longtime customer of Bank of America. In the last year, when paying bills using the banks bill pay system, I have incurred interest payment charges on credit card accounts because of delays by the bank in processing scheduled payments. 
The bank extracts funds from my account when scheduled, but in the latest instance has taken four days to process a payment to XXXX XXXX. As a result, I will incur interest charges for the month and my credit score will drop. 
There are no paper checks being issued ; this is an electronic transfer. The only reason for such a delay is to benefit Bank of America by keeping my funds on its books, but its practices yield a financial penalty to consumers. 
The CFPB should halt this practice. 
I look forward to hearing your feedback, XXXX XXXX
Product: Debt collection

As a XXXX XXXX XXXXXXXX individual, I have been relentlessly harassed by Portfolio Recovery Associates , LLC, whose fraudulent and illegal actions have severely damaged my financial, emotional, psychological, and physical well-being. Despite providing irrefutable evidence that the debts they are pursuing resulted from identity theft, including police reports, fraud alerts, and a frozen credit file, Portfolio Recovery Associates , LLC has continued to ignore this evidence and pursue baseless claims. Their aggressive debt collection tactics, has caused my credit score to plummet from XXXX in XXXX of XXXX to the XXXX, leaving me financially vulnerable and unable to access essential financial services such as better rates on services. 
The constant stress of defending myself against these fraudulent claims has only worsened my XXXX and deteriorated my mental and physical health. The emotional toll of this harassment is profound, as their repeated disregard for my rights has left me in a state of emotional and financial devastation. The burden of trying to protect myself from this ongoing assault is overwhelming, and I fear for other vulnerable individuals who may not have the resources or capacity to defend themselves as I have attempted to do. I can not endure this any longer without immediate intervention. These vile baseless attacks have gone on long enough!

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate Portfolio Recovery Associates, LLCs unlawful practices, cease all collection efforts, and hold them accountable for their blatant disregard for federal, constitutional, and state laws. The extent of the harm they have caused, both to me and to other vulnerable consumers, justifies the need for swift and decisive action. I can not afford it nor can I tolerate much more undue stress than these predatory debt collectors have already caused.
Product: Payday loan, title loan, or personal loan

I applied for loan on XXXX XXXX effective date XXXX XXXX. I was approved for {$620.00} total payments {$4800.00}. On XXXX XXXX {$170.00} was debited from my account then on XXXX XXXX {$180.00} was debited. My bank account was in the negative so I called inbox loans & ask them to remove me from ach on XXXX XXXX which they did. Then I had car problems which cost over {$500.00} & the garage ran my check through before they was suppose to which my account went overdrawn again on XXXX XXXX. I messaged inbox loans on XXXX XXXX & told them why I fell behind. Then on XXXX XXXX I recd an email that since I havent made a payment they was going to garnish my wages. Right now I cant afford that. I will send you a screenshot of the email. I would greatly appreciate anything you can do. Thank you. I didnt realize that this company was not legit in Maryland
Product: Credit card

Once again, I have a bogus statement from Synchrony PayPal that makes XXXX sense. I made new purchases totaling {$89.00} in purchases last month. I have {$200.00} & {$120.00} in transactions that must be paid by XX/XX/2024, to avoid interest. Total = {$420.00}. Why does my statement say I owe {$1000.00} to avoid interest? I have literally for as long as I have had this card, paid the required amount every month to avoid interest. In fact, they did this same XXXX last month and this is the first time EVER I have been charged interest. 1, please explain yourself because your invoice makes XXXX XXXX! 2, reverse the {$17.00} interest charge, because I do not owe it. 3, cut this sh*t out!
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2022, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Bank of America account to fraudulent investment firm ( s ).
Product: Credit card or prepaid card

Beginning of XXXX i opened an account with capital one. On XX/XX/XXXX i reported to capital one that a duplicate transaction of {$200.00} took place and that i needed to be reimbursed the duplicate amount of {$200.00} back into my account. On XX/XX/XXXX I get a notice in reference to this issue. I called and was told that my account is restricted. On XX/XX/XXXX capital one refunded back the {$200.00} into my account but penalized me. On XX/XX/XXXX and XXXX I spoke to numerous agents. Neither could give me an accurate answer. Finally I was told on XX/XX/XXXX that capital one was going to close my account. I did nothing wrong in this account. I felt that I have been mistreated and accused unjustly. Can you please help me.
Product: Debt collection

There is a collection account on my credit report from Resurgent/ LVNV Funding in the amount of {$460.00}, this account shows it was open in XX/XX/2017. I have disputed this account several times with certified letters explaining that I have no knowledge of this account nor any other business with the original creditor XXXX XXXX. Ive called several times to dispute Ive also sent certified letters to each of the bureaus with no response in regards to this fraudulent account getting resolved please help to have this Fraudulent collection account removed from my credit report, Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 50 days later I have not received a response yet. I feel like my disputes are being dismissed and I am being taken advantage of. In section 611 ( a ), plainly states that a failure to investigate these items within 30 days provides a basis for immediate removal of those items from my credit report it has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1604a section 2, it also states consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX XXXX {$27.00} XXXX XXXX {$39.00} XXXX XXXX {$40.00} XXXX XXXX {$39.00} XXXX XXXX {$27.00} XXXX XXXX {$25.00} XXXX XXXX {$39.00} XXXX XXXX {$28.00} XXXX XXXX {$25.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent final request on XXXX documents that they have in my files as of this date that you used to verify the accuracy of the accounts listed below. Im XXXX Veteran who suffer from XXXX I lost a was denied for a house because they woulnt remove this item in my credit report or correct them. Item ( A ) information mislead incorrect ITEM ( B ) showing information as derogatory Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or be removed immediately.
Product: Money transfer, virtual currency, or money service

Direct Express allows you to select transfer funds from the website it will take the money but it never shows up in the account that you transfer to.I attempted to transfer money from direct Express to XXXX XXXX and the money disappeared after hours of trying to contact someone that customer service never answers and hangs up on you I had to contact your congressman and a senator to find out how to reach them. The money disappeared they will not answer the phone and the website says that it will do it but after speaking to someone they said that they have not done online transfers since 2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report bc I was trying to purchase a new car and noticed several accounts that did not belong to me on my Credit report. I immediately filed a police report and wrote the credit bureaus about the fraudulent information but with no luck. I reached out to the companies as well but with no real resolution. I am listing below the accounts, amounts, and dates. 

Account : XXXX XXXX Date : XX/XX/XXXX Amount : {$3000.00} Account : XXXX Date : XX/XX/XXXX Amount : {$2200.00} Account : XXXX XXXX Date : XX/XX/XXXX Amount : {$8100.00} Account : XXXX XXXX XXXX  Date : XX/XX/XXXX Amount : {$1400.00}
Product: Checking or savings account

I received a letter from Wells Fargo Bank on XX/XX/XXXX stating Wells Fargo Bank closed my checking account due to a previous account I had with Wells Fargo Bank and excessive claims for fraudulent activity on the checking account. The Wells Fargo Bank checking account ending in XXXX was discharged under XXXX XXXX XXXX in the United States District Court District of Minnesota XXXX Court on XX/XX/XXXX. Wells Fargo Bank wrote in the letter that sent to me, that the checking account was not discharged in XXXX court, even though the checking account was included in my XXXX XXXX XXXX petition and was discharged under XXXX XXXX XXXX. I am sending a copy of my XXXX discharged notice to Wells Fargo Bank Corporate Office for proof that the checking account was discharged in XXXX  court. Wells Fargo Bank clearly is discriminating against me based on my race, me being XXXX American, and denying me an opportunity to obtain credit and open up a checking account with the bank which is a complete violation of the 1974 Equal Credit Opportunity Act ( ECOA )
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX ; XXXX GA XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax I monitor my credit with Equifax - about 3 weeks ago I signed in and was alarmed when Equifax mixed up my information with another person with a similar name ( the other person has a different SS number, Different DOB, different address etc... ) the only similarity is the name. I now have this ALL this person 's information, work, address, phone number, mortgage information etc... This error - if in the wrong hands - will leave them VULNERABLE TO identity theft and WORSE! 

This is outrageous! Does the other person have my information? Equifax is now requesting very personal information from me to get my information back and I do NOT trust their services. I have to give them all my credit card information, try to remember all the accounts that I might have over my lifetime. I would like this escalated to the highest level.