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

I am writing to file a formal complaint against BMO Harris Bank regarding deceptive wording in a promotional offer for opening a new savings account. I opened a Relationship Plus Money Market savings account at the BMO Fremont Warm Springs Branch in California on XX/XX/XXXX as a promotional offer in the mailer from BMO stating Earn up to {$1000.00} when you open a new Relationship Plus Money Market account, make the qualifying deposit within 30 days and maintain the balance from day XXXX through day XXXX. The BMO banker confirmed on XX/XX/XXXX, that I was still within the time frame required, so I deposited the funds on XX/XX/XXXX, which is within 30 days ( = XXXX x XXXX hours ), and kept my funds in the account for more than 120 days but I have not received the promised bonus of {$1000.00} and the promised interest rate of 3.04 %. Upon complaint to the BMO Bank in XX/XX/XXXX, they claimed that I had not deposited the funds within 30 days because they count the day of account opening as day number XXXX. With this definition, BMO Bank should have stated that the funds have to be deposited within 29 days ( = XXXX x XXXX hours ). However, even with the BMO Bank definition, my funds were kept in the account from day XXXX through day XXXX. I really felt cheated and would like the promotional offer to be paid out. My request is for BMO Bank to honor the promotional offer of {$1000.00} plus the promised interest rate not yet accrued interest of {$290.00} for a total sum of {$1200.00} ( XXXX XXXX XXXX XXXX XXXX XXXX dollars.
Product: Debt collection

I was looking at my consumer report, XXXX, Equifax, XXXX and saw a debt collection reported in accurately. I did not receive any documentation from the company nor did I give permission to release any of myl information to this company. This debt collection company has violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed on the FTC Identity Theft Report, which appears on my credit report, does not relate to any account ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I have also disputed the accounts on Experian. However it did not allow me to add Account name XXXX  XXXX XXXX Account number XXXX, Date opened XX/XX/2015, Balance {$12000.00}.
Product: Mortgage

I received from my previous complaint a response from the Resolutions Specialist that my escrow account has been waived and yet today XX/XX/XXXX I received correspondence from rocket mortgage that I have a balance owing in my escrow account of {$27.00}. I handle all the taxes and insurance myself and provided full proof of that. I also received confirmation that my escrow account is waived by the rep XXXX XXXX. I have this confirmation from our conversations in my personal email. Today XX/XX/XXXX, I get an escrow analysis statement saying that there is a shortage. How can this be? I am very confused. My insurance companies XXXX was paid in full and I have a monthly installment plan set with XXXX for flood. Taxes are paid in full. I don't understand why I have an escrow account balance at this time when in the correspondence received from my previous complaint and from the representative XXXX XXXX confirming my escrow account is fully waived.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted to Experian an FTC report dated XX/XX/2020 along with ID, utility bill, and letter from the creditor ( s ) confirming liability on fraudulent account ( s ) has been withdrawn. 

Experian representatives state that due to " internal policy '', they will not re-dispute or block fraudulent information that was previously verified. This Experian policy is a violation of FCRA since the creditors have confirmed removal of the account ( s )
Product: Debt collection

Convergent and XXXX XXXX XXXX continues to place me in collections for debts that are not mine. The are now claiming that I owe XXXX XXXX XXXX for an XXXX XXXX XXXX XXXX debt, and I have never done business with XXXX XXXX XXXX XXXX. When submitting a dispute with Convergence or XXXX, the do n't provide proof. They send a letter stating that it has been verified, but no proof accompanies the letter. When I dispute a debt with the various credit reporting agencies, Convergence turns things over to XXXX or XXXX of their other companies or, visa versa. At this time, Convergence is trying to collect for XXXX. This is a never ending, vicious cycle and it has been going on for years. At this time the collection company contacting me is Convergence Outsourcing , Inc. XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX. The Client Account # that they assigned is XXXX. I am formally disputing this debt. I pray that they do n't send it to another XXXX of their many companies in an attempt to continue hassling me, in an attempt to get me to pay a debt that is not mine, just to make them go away, or so that they do n't ruin my credit.
Product: Mortgage

I was XXXX from XXXX to XXXX from a on the job injury, during that time we fell behind on our mortgage, because of the length of time for me to receive w/c and XXXX social security , I borrowed the money from my attorney to pay at that time the mortgage holder was XXXX XXXX XXXX XXXX we was making payment from my XXXX monthly, it was a struggle, we fell behind again. I think inXXXX LoanCare took over our mortgage, and in XXXX, a short time after we fell behind again and asked for a Modification, it was granted for a year, at that time covid19 was spreading and we requested an extension or another modification, Loancare would mail us a packet, we fill out the forms, return them, we would not receive any information until the deadline had passed, we would have to do it all again this has been going on now for almost a year. The last time We sent the information by certified signature return receipt, after we received the signature card, I called them, they said they had not received the information again after the deadline they said they had found it, but the deadline had passed. They also withheld the information from us about the Covid Mortgage help, and they block the account so we could not make any payments.
Product: Credit reporting or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on TransUnion Report XX/XX/2023 and I noticed that this Inquiries had been made
Product: Credit reporting or other personal consumer reports

This XXXX XXXX XXXX Account has already been flagged as fraudulent by the credit lender. They already said they informed the credit bureaus of this information and directed them to remove this account from my credit report as a matter of law. This issue was already resolved with the credit institution and it was flagged as fraudulent. It is a {$500.00} Credit Card that was already charged off.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against American Car Center regarding the repossession of my vehicle, which I believe was conducted in violation of both state and federal laws, as well as the Uniform Commercial Code ( UCC ) 9-616. Background Information : Vehicle Make and Model : XXXX XXXX Account Number : XXXX Date of Repossession : XX/XX/year> According to UCC 9-616, a secured party is required to send a written notification to the borrower after the sale or disposal of collateral ( in this case, my vehicle ). This notification must include : 1. The amount for which the collateral was sold. 2. An explanation of how the deficiency balance was calculated. 3. A statement of any surplus or remaining balance owed. I never received any such notification detailing the sale of my vehicle or an explanation of how the deficiency balance was determined. This failure to provide the required notice leads me to believe that either : No attempt was made to comply with the requirements of UCC 9-616, or The sale was conducted improperly and without transparency. Under UCC 9-616, if the secured party does not send proper notice, they forfeit the right to collect any deficiency balance. As a result, any attempt to collect or report a deficiency balance to credit bureaus is unlawful. In addition to the violation of UCC 9-616, the repossession of my vehicle appears to have been conducted in violation of state and federal laws regulating : Fair Debt Collection Practices Act ( FDCPA ) which prohibits misleading or unfair practices in debt collection. State-specific repossession laws which may require additional notices or procedures that were not followed. Since the dealership failed to send proper notice, they are not legally entitled to the deficiency balance. This also makes the reported repossession null and void, constituting an illegal repossession. I respectfully request that XXXX XXXX XXXX take the following actions immediately : 1. Cease all collection efforts related to the alleged deficiency balance. 2. Withdraw any negative reports submitted to credit bureaus regarding the repossession and deficiency balance. 3. Provide a written explanation of the actions taken in response to this complaint. 4. Compensate for any damages resulting from this unlawful repossession and negative reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a XXXX party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
XXXXXXXX XXXX XXXXXXXX has been paid and closed since XXXX but on my report, this is still showing that it is XXXX XXXX late. How can this be? They should be reporting the account paid or closed. This account should not be showing a late date since they have already been paid for. It seems impossible to accrue late on an account that has already been paid, ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. This inaccurate information is preventing me from getting the credit I deserve and it needs to be removed immediately!
Product: Credit card or prepaid card

I made a payment of XXXX which was the minimum amount to tjx rewards/synchrony bank  on XX/XX/XXXX, XXXX usually made my payments on all my credit cards on the XXXX  or the XXXX  so they can receive payment earlier before the XXXX of each month.Im.never late on any of my payments until tjx/synchrony bank decided to keep my payment and sent me an email stating that I owe them a payment for XXXX for XX/XX/XXXX. XXXX  .which was an additional payment and then they raised the minimum payment higher. When I called them I was told by a representative that the payment for XXXX XXXX XXXX  was late and that Im paying for the late fee when I made 2 payments for XX/XX/2022 and they were both paid before XX/XX/2022 one on XX/XX/XXXX and the other on the XXXX. When I addressed her about my on time payments I was told they will correct it to call back 48 hrs. Well 48 hrs later I was then told well there is nothing we can do about it you just have to make another payment because you paid before the closing date.when I told them that I was going to report it them wipe clean my payments information so I wouldnt have proof.
Product: Debt collection

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX  score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX I purchased a vehicle from XXXX XXXX XXXX of XXXXXXXX XXXX. My vehicle financing was done through XXXXXXXX XXXX During this process, there were two hard inquires from a company named XXXX XXXX which I did not authorize. I noticed the hard inquires and reached out to the company directly via phone. I was advised they were unable to look up my information as I am not a customer of theirs, the customer service rep told me she would look into this and call me back. On XXXX XXXX XXXX  I mailed written notice of my information being used without my permission and requested removal of the two unauthorized hard inquires. Here is a copy of what I mailed to them ( I removed some of my personal information as advised at the top of this complaint ). I have received no response back and would appreciate XXXX 's assistance in the removal of these hard inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following 20 accounts with XXXX is in litigation and Experian must removed. Please see attached documents showing proof of case and the reported accounts to be removed from Experians database.
Product: Student loan

My student loan got transferred to another student loan company called ECSI. ECSI charges a " convenience fee '' of {$.00} everytime I make a payment using my checking account. That is absolutely outrageous. Why do they make a dollar for me to pay using my checking account?
Product: Credit card

My Credit card was closed, and my rewards balance was taken. I had XXXX points, which is equivalent to {$5500.00}. I do n't know why my account was closed, but I would like to get my rewards back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my report and someone has been using my credit to obtain properties in there name and all sorts of things. they are reporting the information wrong on my report as well and not accurate on account amounts either. this is costing me thousands in interest rates this needs to be corrected asap wrong information synchory bank XXXX XXXX XXXX wrong amounts- i reported fraud to them and they have the worst customer service i have tried to reslove with them several times their intrest rates and wrong information is crazy its inaccurate and fraud they need reported for fraud hard inquires over 30days old some i have never even heard of nor done business with and to report accurate addresses because there are many addresses on my report that have to be removed wrong or inaccurate addresses XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX XXXX XXXX CT XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX PL 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 OH, XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX  XXXX XXXX OH, XXXX -- -- -- -- -- -- -- -- -- -- -- -- - my name is spelled 20 different ways on there its only one way its spelled and my aacount with XXXX was paid before it was closed so it shouldnt be reporting as negative its has been paid since 2021  on time and in full that needs removed and all closed accounts on my report they were paid on time and closed by me
Product: Debt collection

I moved out 5 years ago now. I left my forwarding mail address, in addition to my email and phone number, and never received any communication regarding an outstanding balance. According to this debt collection, I owe {$370.00}. I don't know what this is for. I was never contacted. I only found out about it from my credit report. I would have paid this amount if someone reached out to me and explained. This is a lot of effort over a small amount. But now it's the principle of it, I am ready to hire a lawyer over this amount because of the way the XXXX XXXX XXXXXXXX handled it.
Product: Vehicle loan or lease

I purchase a car that I was leasing before, the purchase price includes Extended limited warranty, prepaid maintenance, tire and wheel protection, and gap protection totaling {$11.00}, XXXX. I toke the car for service at the Mercedes Benz of XXXX XXXX, and they do not want to honor my prepaid fees, but still charging for that every month with my car payment loan
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still an account that is needed to be UPDATED. The 3 credit bureaus must verify this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed item get corrected. 
XXXX XXXX
Product: Bank account or service

The online website account history shows that the account balance is positive by US mathematical standards, yet Netspend Corporate managers/representatives say that it is Not their standards. For instance ; Here is what my balance on the website will show to me is the balance is {$10.00} ( XXXX dollars ) ; Balance ( {$10.00} ). However this example is actually a Negative balance. If it was a Negative balance it show show or read as follows ; ( - {$10.00} ). I talked to a representative of Netspend and they told me that on their side of the website it shows a Negative but not mine. This is Fraud and misrepresentation of facts. It is a trick to get extra fees from customers/consumers, because each time they make payments with a Negative balance that they think is Positive, they get charged fees like I did.
Product: Credit reporting or other personal consumer reports

I called the original servicer ( XXXX XXXX XXXX ) to get a payoff quote. I was directed to call the company 's attorneys " XXXX XXXX ''. I called & emailed the company 's attorneys in XXXX XXXX & again XXXX XXXX ; but haven't received a response. Suddenly a 2nd mortgage account for XXXX XXXX, XXXX, appears on my credit report. When I tried to call the company listed on XXXX XXXX, their contact number is nonexistent. After doing further research, I found that XXXX was bought out by XXXX XXXX XXXX. When I call XXXX XXXX XXXX I receive an automated recording telling me that I've called the wrong company ; I need to call XXXX. Call XXXX & again I'm directed to call their attorneys. Called the attorneys & found out that the firm & XXXX XXXX XXXX merged in XX/XX/XXXX. XXXX XXXX XXXX also bought XXXX 's servicing platform XX/XX/XXXX. I keep getting the runaround.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report data correction / accuracy issue A few years back we were notified of a collection account by a collection agency, that was the first time we were made aware of the item. The amount was meagerly small ( less than {$80.00} ), the agency acknowledged that due to communications issues if we paid in full at the time, the item would NEVER even show up on credit reports, we agreed and paid.

Fast forward a few years, while in the process of buying our first home suddenly this item showed up on credit reports from 2 agencies, XXXX  and Equifax. I made some calls with the collection Agency ( XXXX : XXXX XXXX XXXX- aka, XXXX XXXX XXXX ) and created disputes with both the credit reporting agencies. XXXX, deleted the item right away but Equifax would not resolve it and I had many back and forth between Equifax and XXXX. Equifax insisted that XXXX inform them of deleting the item from the report. XXXX told me multiple times on my calls that they are ok with deleting. Finally I got a written letter from XXXX, confirming the same. However, Equifax still insists that they need XXXX to tell them to delete the line item. Going by what XXXX has told me ( verbally and in writing ), they have informed Equifax. 

I created another dispute with Equifax, this time provided the letter from XXXX, had a few phone calls with Equifax. Instead of being helpful the Reps disregarded any of my concern, being rude and insisted, XXXX inform them of the deletion. I am stuck between the two companies, for several months now. These companies wield extreme influence over people 's financial life, advancement/opportunities ( or lack thereof ) and it is never easy to deal with them. You can not live with them, nor can you live without them. 

Customer 's personal data is Equifax 's bread and butter and I was amazed at the way they handle the data, customer service and the accuracy of customers data. Did I mention how bad their customer service was? 

All I want is Equifax to correct my data and delete the collection inquiry as per direction from the collection agency. 

Please see attached, letter from XXXX. 

Thank you and I appreciate your help!