23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Certified Letter below sent to creditor BMO BANK.- No response to request or any communication. 

XXXX XXXXXXXX, Please escalate this to the offices of the executives. 
I received a Notice of Default and Right to Cure Before Repossession dated XX/XX/XXXX. THIS NOTICE IS AN ERROR. 
In XX/XX/XXXX, I called BMO because of a XXXX XXXX and asked for some assistance. I was asked questions regarding my bills, income, and reason for request. I was granted XXXX XXXX of small payments of {$35.00}, then returning to normal payments in XX/XX/XXXX of {$310.00}. I was assisted by XXXX XXXX from BMO. I have been told after the fact and days later, she said made an error in the calculation after I made my agreed hardship payments, see email below and you accepted my payment. 
I started XXXX and XX/XX/XXXX with my original payments of {$310.00} and am in currently in good standing. If your representative did make a mistake, I never received an email or letter and why did XXXX accept my payments. 
Notice of default states I owe {$880.00} by XX/XX/XXXX. I have spoken with no less than XXXX representatives to resolve this matter. I went to a branch and ask them to call the RV loan department. I have filed a claim with the offices of the executives and still no resolution. Again, I would expect a company like BMO to honor their word. I am a good customer and always paid on time but had a XXXX XXXX XXXX XXXX XXXX  ) and needed help. 
Please call me at ( XXXX ) XXXX. If I miss your call, leave me a voicemail and I will call back. I am asking not to speak to customer service representative but a manager and above for resolution. 
Thank you, XXXX XXXX BELOW is a copy of the email receipt of my hardship payment accepted. 

XXXX XXXX XXXX BMO RV Payment/Hardship/Accepted XXXX XXXX message XXXX XXXX XXXX To XXXX XXXX XXXX XXXX Fri, XX/XX/XXXX at XXXX AM This payment was for the amount of the amounts of the hardship for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX = {$100.00} XX/XX/XXXX start over {$310.00} -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX Date : XXXX XXXXXX/XX/XXXX at XXXX Subject : BMO XXXX XXXX XXXX Confirmation XXXX To : XXXX Dear Customer, Thank you for using BMO XXXXXXXX XXXX XXXX 
Details of your payment for Loan Account XXXX XXXX are below. 
Payment Date : XX/XX/XXXX Payment Amount : {$100.00} Loan Account Number : XXXX Payment Account : Checking XXXX Payment Reference ID : XXXX If you have any questions concerning your payment, please contact us at XXXX. 
To explore other ways BMO Bank can help, please visit us at bmo.com. 
Thank you, we appreciate your business. 
Please note : This email message was sent from a notification-only address that can not accept incoming email. Please do not reply to this message.
Product: Credit card

I had put in the first step of the Amex platinum application to see what my welcome offer was. I saw the welcome offer and did not like it so I applied using a referral link for a higher welcome offer. I closed the tab with the application for the lower welcome offer. The application for the higher offer was submitted and denied twice. Upon checking the application status it said the application that I did not submit was approved and my card was shipping. It said the reason for the rejection of the higher welcome offer was because I was previously approved for a card. I immediately messaged Amex in a chat and told them I did not submit that application and to not ship the card. I then got an email saying my card would be shipping while they were telling me there was no approved application. I reopened the chat and they tried to convince me to keep the card and I demanded they cancel it. They said it was cancelled. The next day I got an email saying my card was shipped and arriving the next day. I called Amex immediately upon receipt and the first representative transferred me back into the greeting system. The second representative transferred me to the fraud department who promised to close the card and then transferred me to the application team with no context. The application team agent was very rude and transferred me back to the fraud department. I do not trust this company and the customer service takes 2-3 hours on the phone to resolve an issue of fraud by Amex opening accounts without customer authorization.
Product: Credit card or prepaid card

Im writing to you because I noticed that my most recent credit report contains a closed account reported recently for my Wells Fargo account. I want you to know that I understand, and have great respect for my financial obligations.

Unfortunately, at the time of the incident mentioned above, I was in college and had no idea how to manage credit responsibly. I have completely paid off my debt and aside from this one time unavoidable circumstance, you will see that I have an excellent payment record. In the near future, I am planning on applying for credit, and it has come to my attention that the closed account on my credit reports could hurt my ability to qualify.

I am humbly asking for you to remove this account. I would greatly appreciate it!
Product: Credit card or prepaid card

MY DISCOVER CARD WAS CHARGED FOR 2 CHARGES ONE ON XX/XX/XXXX FROM A XXXX   XXXX XXXX FOR XXXX AND THEN IN XX/XX/XXXX FOR INTERNATIONAL TRAVEL FOR XXXX I CALLED DISCOVER TO REPORT FRAUD ON BOTH CHARGES AND THEY NEVER GAVE ME MY MONEY BACK. I NEVER DID BUSINESS WITH THESE SAID COMPANIES AND I NEVER AUTHORIZED ANY OF THESE CHARGES. PLEASE HELP ME GET MY MONEY BACK PLEASE. THEY ARE ACCUSING ME OF MAKING THESE CHARGES AND I DID NOT AT ALL. PLEASE HELP ME
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with XXXX XXXX XXXX XXXX opened XX/XX/XXXX it was Charged off XX/XX/XXXX. I was in prison. I got out XX/XX/XXXX. Immediately went to fixing my credit. I contacted company who was listing it as " cllosed, {$140.00} written off ''. I made an agreemente with them that i woulld pay it off immediatelly if they agreed to reflect. the acccount being paid, closed, and no balance when cllosed. In XX/XX/XXXX I paid {$140.00} on the XXXX of XX/XX/XXXX. It was Reflected as " paid, closed, {$140.00} written off. They refused to removed hte {$140.00} written off. This shouldl be removed since it was paid in full. that is problem XXXX problem XXXX The account which was cllosed on XXXX as XXXX  out of nowwhere XXXX reporting again and in XXXX XXXX of XXXX it reflected XXXX months of XXXX  .. ruining my credit at a time i was taking a XXXX  loan. I have been sending lletters to them ( XXXX XXXX XXXX. i have spoke to agents who say they can not do anything. and experien I have disputed it with 6 times. each time the agent saying i was right, and they will fix it. 6 month back and forth they are no fixing anything .neither companies. I missed an entire semester of school because i was not elegible for a laon that i was elegibble the day before XXXX  score dropped. I begged and pleaded and no one could help HOW IS IT THAT A CLOSED ACCOUNT STRANGELY RE OPENS. WHATEVER GLITCH IT XXXX IS THERE PROBLEM TO FIX YET XXXX THE ONE WHO IS BEING HURT BY IT FOR 6 MONTHS NOW ... XXXX GON NA MISS ANOHTHER SEMESTER OF XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MY HARD WORK UP. BUT NO O XXXX WANTS TOO. i HAVE PAID EXPERIAN XXXX DOLLARS A MONTH TO BE BILLLED FOR SOME XXXX. THANK XXXX ... I WILLL NEVER AGAIN USE EXPERIAN. tHEY ARE CROOKS WHO DONT CARE. XXXX XXXX A fair sollution would be to remove it completely from my report. Its about XXXX XXXX XXXX. but the main reason is for hte last 6 months i have record of contact them and begging them ... ..begging! to fix it the report. when it snowed, i 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 XXXXXXXX .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I just want to get treated fairly. this is is unnacepetable every one can see its a mistake. 

i attached documnets shows when they closed, when i paid, the amount, the balance, the amount and what i paid. i will also attach the report that is hurtin my credit sooo bad
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was disputed multiple times before but only come out as verified through all three credit bureaus. This account has errors from XXXX  saying its open but experian and XXXX  saying closed? Which one is it? This account needs to be deleted with all these inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX 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 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.
Product: Credit card or prepaid card

I was told by one of your representatives that once I make 6 on time payments, Id get an increase. I have two credit cards with your company. I have not received my increase on my card as promised. Ive put in a request, and it was denied. My credit score is great. I have cards from other companies with over 10,000 as the limit. Whats the issue?
Product: Mortgage

On XX/XX/2020, LoanCare failed to make our property tax payment of {$7500.00} from our escrow account. This mortgage was sold to them from XXXX XXXX  in XXXX of 2020. It is a month overdue and has accrued a 10 percent late fee since XX/XX/XXXX. On XX/XX/2020, LoanCare promised to rush this problem and pay all taxes and subsequent penalties. Nothing has been paid to date. Our county has now threatened a lien against our property. This company should not be in business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my dissatisfaction with the way you have handled my previous request regarding the removal of inaccurate accounts from my credit report. As I have stated before, the accounts in question, namely 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, and XXXX XXXX XXXX XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I want to remind you that it is illegal for you to continue to furnish inaccurate information to consumer reporting agencies. Under 15 USC 1681 Section 602 A, I have the right to privacy, and Section 604 A Section 2 states that you can not furnish an account without my written instructions. Additionally, 15 USC 1681c. ( a ) ( 5 ) Section prohibits consumer reporting agencies from making any report containing inaccurate adverse items of information.

I have already requested that you investigate the accuracy of these accounts and remove them from my credit report. Yet, you have failed to comply with my request, and this lack of action is unacceptable. If you do not take immediate action to remove these inaccurate accounts from my credit report, I will be forced to pursue legal action against your company.

Please do not ignore this request. The inaccuracies in my credit report are causing significant harm to my credit score and financial well-being, and I will not stand for it. I expect your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Carecredit XXXX authorize loan without my permission and then reported it to the credit bureaus which is ruining my creditworthiness
Product: Debt collection

I called today XX/XX/2021 to update my mailing address to start getting letters about the debt owed. I updated he address and made it clear I wanted to see it in writing. I was then read a legal verbiage script about a Hardship Relief program they have. The legal verbiage was read at super fast speed, and I understood nothing and made that clear to the representative XXXX. I asked hi to slow down and re-read and still I did not understand so I ended the call asking for the communications in mail. I called again because I wanted information on the Hardship relief its terms and conditions in writing along with the legal verbiage given to me by XXXX. Spoke with XXXX XXXX who completely ignored my request on purpose. I want the calls listened too as it obvious they broke the law bu denying me what I was requesting in writing. They are breaking the law and it make it difficult to deal with these agencies.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I put an order in for an XXXX  from XXXX XXXX XXXX for the amount of {$640.00}, using XXXX to pay for it. 

Approx. 1 hour after purchasing this, I cancelled the order as I had decided to buy a phone somewhere else. 

XXXX XXXX issued a refund they said, yet Affirm kept telling me I had to pay. I talked with Affirm and they said they didnt see a refund to my card so I have to pay. 

I asked XXXX XXXX on FIVE different occasions, where is my refund? At first, they kept saying someone will call you to finalize your refund. I never got a call. 

On XX/XX/XXXX, once I pressed the XXXX XXXX representative, they said they had in fact issued a refund and to call my bank to ask where the refund is. 

My bank said they dont know what to tell me & to tell Affirm this and Affirm does nothing. Now my account is severely delinquent and dropped my credit score XXXX points. 

On XX/XX/XXXX, Affirm says they did in fact see the refund processed yet never removed it from my account and still says I owe them and the debt collector ( XXXX XXXX ) {$600.00}. 

I never received a single phone. I bought one instead from XXXX. I never received a phone from XXXX XXXX. 

Attached : -Proof that XXXX XXXX said they refunded me -Proof that Affirm did finally say they DID receive the refund. 

I followed up with them after that email asking why my account is delinquent after they said they received the refund & Affirm never got back to me. I also filed a XXXX  complaint against Affirm. 

Any help would be greatly appreciated. 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 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights. 
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( eXb ). 
And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) n generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed ( A ) in generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be venfied, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modity that item of information, as appropriate, based on the results of the reinvestigation ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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: Student loan

My information was compromised due to a theft that took place a few years back. Im not really big on credit but some of these accounts showing on my credit I do not recognize. I believe that this account is fraudulent
Product: Mortgage

NewRez/Shellpoint is taking 3 weeks to verify my request to follow up on why they have not paid our XX/XX/XXXX property taxes. The payment for this is in an escrow account, and we pay our mortgage payment automatically and have NOT missed any payments. According to our County Assessor 's office, the tax payment is still pending. I have reached out to NewRez on XX/XX/XXXX, andXX/XX/XXXX and a resolution has been promised each time with no results or records of my requests.
Product: Credit reporting or other personal consumer reports

TransUnion. XXXX. They have the best data comprehension of the big three and tragically catastrophic individual customer service. I can do nothing on their website. I called customer service with the given number. I tried to get English and it gave me XXXX. It tried to use apple business and interrupted itself and dead-ended the call. I have a credit lock that I cant take off, the same one required by law and subject to heavy misdirection prior to this tactic being approximately illegal due to subscription cancellation being made to obey minimal competence to cancel. I was able to cancel a subscription with TransUnion that doesnt exist and I could probably do it again. I can only believe that this is predatory incompetence. Im supposed to pay you to stop acting like you cant do anything with very clear proof that its already happening? Why does that work? If I say this is unacceptable any louder I will turn yellow and reek of citrus.
Product: Mortgage

XX/XX/year> I got a letter stating that's a closed case claiming they needed more information. They also reversed 2 on time payments in XX/XX/year> and XX/XX/year>. XX/XX/year> a Rushmore Servicing representative demanded {$1200.00} annual escrow payment over the phone or else I'd be in foreclosure. I can not feel comfortable sending money to them. It seems it's being misapplied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this complaint forward as I have attempted to dispute fraudulent accounts and information on my credit reports, yet to no avail. I need to have these accounts reviewed along with the Identity Theft validating documents.
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 USC 1681. 
XXXX. XXXX XXXX XXXX  XXXX remove late payments XXXX. XXXX XXXX XXXX XXXX XXXX remove the account and the 30 days late XXXX XXXX XXXX XXXX XXXX  Remove account XXXX. XXXX XXXX XXXX XXXX remove the account XXXX. XXXX XXXX Remove account, not in collections XXXX. XXXX XXXX XXXX Remove account should not be on the report XXXX. XXXX XXXX XXXX remove from mortgage report and all credit reports XXXX. XXXX XXXX XXXX XXXX XXXX  removes any remarks XXXX. Remove all addresses that are not XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX. Remove all names that are not XXXX XXXX XXXX XXXX. Remove my social security from all reports XXXX. Remove all inquiries from my credit report I did not approve XXXX. Remove all XXXX XXXX or late payments from all accounts that apply XXXX. Remove XXXX XXXX XXXX XXXX. Remove XXXX XXXX XXXX. Remove account all late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX. Remove XXXX XXXX XXXX XXXX XXXX. Remove all closed accounts from all reports 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 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 XXXX XXXX 

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

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see accounts that does not belong to me.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit card or prepaid card

I had a credit of {$27.00} and was told to send a check to Home Depot Credit Services with 16 digit code so that they might credit my checking account. Rather than crediting my account, they sent another {$27.00} from my account TO home Depot! 
Now I have another statement with a credit for {$55.00} with instructions to do the same thing. Fool me once ... ...
Product: Debt collection

Huntington National Bank w ent after me when my ex wife filed bankruptcy. The {$50000.00} Home equity line of credit was awarded to my ex in our divorce decree dated in  XXXX ,  XXXX  in  XXXX , OH. After she filed for bankruptcy they sent certified mail to my parents address, to my Father who has  XXXX   XXXX   XXXX . I did not sign, or live there! Needless to say, he signed for the mail because he did n't know what he was doing. I did n't know that he had signed, or received these documents until after they already went to  XXXX   County Court an d decided to garnish my wages in  XXXX . I tried to contact the Attorney 's and  Huntington  Bank to straighten this out, but was told that they could n't help me. I have been getting garnished for a debt that was never mine to begin with, that should have been taken care of by my ex wife. Which was probably included in her bankruptcy.
Product: Debt collection

Account number mentioned on the bill : XXXX AND XXXX ARStart has sent a statement that I owe debt {$44.00} for XXXX XXXX as on XX/XX/2022. 

This is a debt that i do not owe, nor I have used " XXXX XXXX '', nor even the date stated XX/XX/2022. 

ARStart is attempting to collect charge that is not mine.

ARStart must immediately remove such erroneous bill from my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Equifax XXXXXXXX and XXXX I was able to dispute everything that needed to be disputed on my credit file with XXXX and XXXX however Equifax gave me a hard time and told me I would be unable to dispute so I am filling the complaint with you guys in regards to this matter there has been fraudulent activity on my credit file and it needs to be removed There is over 50 inquiries on my credit file accounts opened that I never opened nor have any knowledge of and accounts that should have been removed due to the pandemic that have not been