23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

During the third week of XXXX I came across and advertisement by BMO Harris Bank to open a checking account, satisfy " 1 ) Open a new BMO Harris Everyday Checking ( R ), BMO Harris Select Checking ( R ) or BMO Harris Portfolio Checking ( R ) account between XX/XX/XXXX and XX/XX/XXXX in a BMO Harris Branch or by calling XXXX. 2 ) Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$300.00} or more each electronically deposited into the account from an employer or outside agency within 90 days of opening. " I then called the number listed on the advertisement and spoke to a representative who I asked to confirm that an ACH deposit that comes in with the account number and routing number qualifies as a direct deposit, and I was told YES. 

Based on this, I opened over the phone with that representative. They sent me a package in the mail that had account information and my signature card. I sent the signed signature card back, and went on banking normally. I then had to ACH deposits into my account from an external source for work I did credit into the account each for more than {$300.00}. After both posted in the account, I called and spoke to a representative who informed me that this WOULD satisfy the requirement for the bonus ( FlexCodeXXXX ) and that I was all set, because it was just " outside money. '' Feeling a bit hesitant because that representative used wording that was neither on the offer nor had been used by the other representative, I thank the representative and hung up, and called back the next day to again to confirm. 

This time, the representative first said the same thing as the representative I spoke to on the day prior " foreign money, '' however when I asked her to double check, she came back and told me that she had miss informed me. When I asked to speak to a manager, she put me on hold for over 20 minutes, and then the line just disconnected. 

I called again and had to jump through hoops to get to a manager where I was told that those deposits would not qualify me for the bonus. When I asked to speak the a manager, and had a representative from corporate call me back, they said and I quote " NO one here will give you a bonus. '' They then continued to be very rude and yell at me over the phone, and it was a very uncomfortable conversation. 

It has been a huge headache and a pain to deal with this bank as they treat their customers very poorly and do n't honor their marketing campaign. They deceived me to open an account, and than do not want to honor the bonus for me, but rather want to treat me rudely.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX XXXX XXXXXXXX debt with XXXX that a family member has XXXX  + I am only an authorized user. I have let them know the family member is XXXX, and written a cease and desist letter and they continue to harras me and come to my apartments to try and issue a court order for the family member It is beyond harassment- they have come to my knowledge from others 5+ times.

I mailed letter over 2 weeks ago and reported to XXXX and they replied, and yet I found out they came again today. 

They should be legally held responsible to stop harassing people, especially when it is not my debt, and in general, and this debt is over 4 years old so should be written off regardless. 

I. have the cease and desist letter and may share with media and describe their treatment.
Product: Credit card

Synchrony never responded to a recent FOIL request I sent their legal department in XX/XX/XXXX ( a copy of the letter is attached ). I am still requesting copies of the documents mentioned. 
Recently, Synchrony has been harassing me and demanding I update my income ( a copy of an image showing a message from Synchrony is attached ). 
Demanding my income is futile and an invasion of my privacy considering Synchrony since at least XX/XX/XXXX to the present has checked my credit without permission and in violation of the FCRA on at least three different occasions. These credit checks resulted in the closure of the Care Credit account which had a XXXX balance and a {$15000.00} limit ; the credit limit on the Amazon store card was reduced from {$1500.00} to {$1300.00}. Most recently in XX/XX/XXXX, the Belk Rewards card had a XXXX balance and a {$2000.00} credit limit but this credit limit was reduced almost 90 % to {$250.00}. Although the credit card agreements mention the alleged right of the financial institution to reduce or close lines of credit, these same agreements do not give the financial institution the right to violate the FCRA and check consumer 's credit at any time without permission. In order to review the account, the financial institution does not need to check consumer 's credit without permission, they can simply review the account history internally. Using an unauthorized credit check as justification to close or reduce lines of credit is definitely a violation. The most recent credit reduction on the Belk Rewards card should not have occurred given that I previously filed complaints stating that my credit was checked without my permission and then used as an excuse to reduce or close my lines of credit that were in good standing with Synchrony. Finally as stated in the FDIC credit card securitization manual, credit card receivables are converted into asset backed securities and the original financial institution such as Synchrony receives compensation yet Synchrony continues to accept overpayments from me thus comitting securities fraud and then Synchrony has the audacity to interfere with the lines of credit and to make claims of an alleged debt.
Product: Mortgage

over the past year i have contacted Suntrust mortgage at least 6 times to get PMI dropped form my mortgage and have NEVER received a reply. i have called, mailed in their forms, faxed in their form, mailed letters to the escrow dept, mailed a letter to XXXX, the secretary of some VP, she has helped me with issues in the past. this XXXX has cost me roughly {$1000.00} in premiums i did NOT need to be paying
Product: Debt collection

I did n't take a loan for XXXX. From this college. I only took XXXX classes and those classes did n't cost XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Manager stated he wasnt aware of credit being pulled and told me he couldnt do anything about it Suncoast Credit Union : XX/XX/XXXXXXXX XXXX  Spoke with XXXX a representative who referred me the credit bureau 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

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

on or about XX/XX/XXXX, I contacted Ditech with regards to applying for a HARP on my first mortgage. 

Ditech is the servicer for my first and second mortgage. My first mortgage is owned by XXXX XXXX. 

On or about XX/XX/XXXX, Ditech informed me that the subordination review on the second mortgage was requesting and appraisal or a XXXX XXXX XXXX ( XXXX ). I contacted a licensed Realtor in the XXXX area and they completed and submitted the documentation to XXXX, my Ditech Loan, Processor. 

I continued to stay in contact weekly with Ditech via my personal email account. I spoke with supervisor in XXXX about my concerns of the continued delays of the HARP refinance. I was communicated that it would be reviewed and things rectified to move things forward. Ditech services the second mortgage. 

I am now writing you on XX/XX/XXXX, as I was informed earlier this week that the XXXX was not accepted in the format submitted which was reviewed with Ditech prior to the submission in XXXX. 

The impression I am getting is that Ditech does not want to approve my HARP on my first mortgage. The subordination will not jeopardize the mortgage position of the second. I have met the underwriting guidelines, credit score, HARP requirements and I have agreed to pay 2 points given the combined loan to value calculation inclusive of the second mortgage ( which was addressed in my bankruptcy ). 

I am at a loss and have some frustration.
Product: Debt collection

FOCUSED RECOVERY SOLUTIONS is being unfair and negligent. This company has RE-AGED the account and is reporting discrepancies across bureaus. I sent them a debt validation letter back on XXXX. 

They failed to respond or even mark the account as disputed. They didn't even investigate the disputes. Basically, I was ignored by this company. 

I am disputing the following item on my report : Account information : Opened : XX/XX/2015, High balance {$56.00}, original creditor : XXXX XXXX XXXX, balance {$0.00}. 

I am willing to take this to the next step by filing a small claim against the company because they have committed multiple violations against my consumer rights.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, after a request was made to a creditor XXXX XXXX to manually update my credit report, EQUIFAX updated an account to show a {$0.00} balance, per the creditor request. This was an accurate accounting of the creditor account. On XX/XX/2024 EQUIFAX then reported the account was back at the balance previously reported on XX/XX/2024 when the 30-day cycle runs for credit reporting. I spoke with the creditor and they never made this request, and reconfirmed that the last request they sent to EQUIFAX was for the XX/XX/2024 update to a {$0.00} balance. I am trying to purchase a house and any inaccuracies present an issue to any approval from my lender as well as my credit score. 

It appears a dispute was also investigated related to this account where Equifax reports that the creditor stated the account balance was at XXXX as of XX/XX/2024. But that would be impossible as EQUIFAX updated the balance correctly on XX/XX/XXXX to {$0.00}, after a manual request was sent to them by XXXX, but then EQUIFAX changed that balance to what was reported previously, which was incorrect and inaccurate. This is an ongoing concern where EQUIFAX does not investigate disputes and rather uses the last date of reporting to certify they have investigated the matter. I have evidence and documentation proving this even recently where they said they conducted an investigation into unauthorized inquiries that continue to be on my credit report, but sent me correspondence that stated they could not find the inquiries on my report ; yet they were clearly there.
Product: Credit reporting or other personal consumer reports

RE : Violations of United States Code Laws and Consumer Laws 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy : Your company is reporting fraudulent accounts which is an infringement of my privacy. Congress said I have the right decide what I deem private. I deem this account information to be private and I DO NOT WANT THE BELOW ACCOUNT INFORMATION SHARED ON MY CREDIT REPORT. 

- XXXX XXXX # XXXX - XXXX XXXX # XXXX - IQ DATA INT # XXXX - XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX # XXXX 15 U.S. Code 6802 ( b ) 1 ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information : Your company DID NOT disclose to me that I had the right to OPT OUT of this information being shared. This was very deceptive and Your company never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of. I never gave you any written consent to report anything on my consumer report no consent is identity theft FDCPA XXXX Furnishing Deceptive Forms : Your company has furnished inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so Your company doesnt even know if these accounts are accurate, but yet Your company reported this inaccurate information. Also, Your company reported that I owe a debt, of any numbers, only positive ). By you telling me I owe a " debt, but reporting positive balances to my credit report is very deceptive. 
15 U.S. Code 1681b - Permissible Purposes 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 Your company any written consent to report anything on my consumer report no consent is identity theft if the laws I quoted from Congress are incorrect, please correct me by providing the LAWS that support Your company reporting the above mentioned accounts and inquiries. If Your company is unable to provide proof, PLEASE DELETE above accounts and attached inquiries. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

My account was closed without warning by Capital One on XX/XX/XXXX. I found out via a negative credit alert, and was not informed via any correspondence of a pending account closure. I immediately called them and informed them of the context : I had requested a new card online several times with reason lost over the last two years, I recall once in XX/XX/XXXX and again in XXXX XXXX, but for unclear reasons I never was mailed a new one. I futher informed them that this was my oldest account and by closing it they are disproportionately impacted my credit negatively. 

Their process to address my request to reopen my account due to their error of not sending me a replacement card was not handled appropriately as a bank error, and the further never informed me of an upcoming account closure or actual account closure via correspondence. 
I learned of this when received a negative credit score impact alert from a credit monitoring service.

My request is Capital One to reopen my closed account without delay and to mail me my new card.
Product: Credit card

Credit card was paid same day as due date I was told I was able to pay it same day and I would n't get late fee it was n't even XXXX yet and late fee was added I 've called to see if there 's anything I can do but they try getting you for anything I really regret getting this credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. Regarding alleged account # 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. 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. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove in 4 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt was sold from XXXX  XXXX XXXX to XXXX XXXX who sold the debt to XXXX XXXX XXXX. I know this because I called XXXX XXXXXXXX XXXX to make the payment, who sent me to XXXX, who told me they did not have this account with me, which explains why I never received any collection activity from them. They sent me to XXXX XXXX XXXX. This debt was paid in full to XXXX XXXX XXXX on XX/XX/2001. This is not an OPEN account with XXXX XXXX. XXXX XXXX has no right to have this account listed on my credit report which is exactly why NONE OF THE INFORMATION MATCHES ACROSS AGENCIES. Yet all 3 National Credit Reporting Agencies XXXX XXXX, XXXX, Equifax ) continue to ignore my disputes and continue to mark it as verified as accurate. When, in reality, they can not even accurately or LEGALLY VALIDATE the account. I have reported this account multiple times and the investigation has never yielded true and accurate results. Therefore, we are well beyond the 30 day limit that the reporting agencies have to investigate, and I demand it be removed immediately! The inaccuracy of this account has affected my ability to get a credit card, a loan, a mortgage, and it is negatively affecting my military security clearance!
Product: Debt collection

i disputed the account XXXX XXXX XXXX  account number XXXX back in XXXX it was removed With report number XXXX on XXXX XXXX and it was reinserted onto my account late XXXX i disputed the account again and it came back verified i was not notified about the reinsertion within XXXX  days of it reappearing violating my consumer rights via 15 U.S Code 1681i ( 5 ) ii i have been looking for a house and this account has damaged my report rendering me of being accepted i need this account removed immediately i attached my attorney general complaint and the reinsertion letter i sent to experian please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted this complaint 3 times CFPB & XXXX are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever reason, Im beyond annoyed. The following accounts listed below were opened due to identity theft. Ive provided you ( CFPB ) & XXXX and TRANSUNION with FTC Fraudulent report support my position. It seems XXXX and TRANSUNION are violating FCRA section 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful non complying and being truly negligent. Id like these account blocked or removed based on 605b. this is my final request before I get my attorney involved because this matter has been creating an insane amount emotional & physical distress. Its caused me restless night & has caused me to miss work. My attorney told me I should just sue for violation in FCRA laws. Id prefer to NOT get litigious. Please see this matter handled. Id like the account removed/blocked per 605b with the attached documents again. Thank you INQUIRIES : XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXXXXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX ACCOUNTS : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$490.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4400.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$300.00}
Product: Credit card

I filed a complaint with you guys... complaint # XXXX and Barclays got you guys to complete and close the case by submitting a response to you and than mailed me a different response... it was a letter stating they were closing the dispute and it was addressed to me, about a dispute from XX/XX/22 for a company I have never done business with- '' XXXX XXXX XXXX and an amount that was XXXX and my dispute is for XXXX XXXX. When you call Barclays about all this ... .yet again... XXXX.you cant hardly understand the people and its just one big repeating themselves of the same that they say each time... ..please reopen case or stat a new one for this dispute. I have attached the letter that has nothing to do w/me or my statements ... .ever w/Barclays. This letter is also a complete different response they said to you, to get you to close the case... .per your advice, I have also filed a complaint XXXX FDIC this morning
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) is reporting on my credit reports, I have never had an account with this company, My Mortgage was handle by XXXX XXXX. My Home loan was paid in full XX/XX/XXXX and now XXXX is reporting on my CRA as 90 late, I have tried calling the number listed on the CRA report, but it is just no answer. 
Also it is reporting my loan was late XXXX, XXXX, XXXX, XXXX now. I have contacted XXXX and they provided a notice stating there is no adverse action being reported on my CRA reports but the CRA ( XXXX XXXX, XXXX  ) states and show the information is being reported as accurate after I have sent them all the paper work to dispute and correct. 
I want all information from this company removed from my CRA reports.
Product: Vehicle loan or lease

My car was repossessed and sold a while ago they keep writing me for more money this is not right they sold the car and asking for the another was owed on the balance of the loan XXXX but they sold the car and then saying give them XXXX to settle it there is nothing settle they sold the car this is fraudulent I know my credit will be not good due to this repossession but they sold the car please get them to stop harassing me about more money
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently reviewing my credit report I noticed several inconsistencies regarding the account ( XXXX XXXX XXXX ) in the ( BALANCE ) & ( PAYMENT STATUS ) section. Transunion is reporting a balance of {$7600.00} with a derogatory payment status, XXXX is reporting a balance of XXXX with a current payment status and, XXXX is reporting a balance of {$7200.00} with not applicable as the payment status now all three of these balances can't be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several student loans that is reporting inaccurate status. They are reporting that I was 90 + days late and this information is incorrect. Please remove this inaccurate status. I was never 90+ days late on the following accounts : Dept of Education/XXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$5200.00} ; I was never late 90+ days late Dept of Education/XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$11000.00} ; I was never late 90+ days late Dept of Education/XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$4800.00} ; I was never late 90+ days late Dept of Education/XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$3500.00} ; I was never late 90+ days late Dept of Education/XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$1400.00} ; I was never late 90+ days late Dept of Education/XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$6800.00} ; I was never late 90+ days late Dept of Education/XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$3300.00} ; I was never late 90+ days late Dept of Education/XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$3900.00} ; I was never late 90+ days late Dept of Education/XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$5300.00} ; I was never late 90+ days late XXXX XXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$0.00} ; I was never 60 days late XXXX XXXX - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$0.00} ; I was never 30, 60, 90, 120 or 180 days late XXXX  - Opened : XX/XX/XXXX & XX/XX/XXXX ; Bal : {$35000.00}, XXXX, & XXXX ; I was never 30 or 60 days late