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

BMO Harris Bank has not adhered to its terms and conditions relating to the awarding of its {$200.00} savings account bonus paid to new BMO checking and/or savings account owners meeting certain deposit requirements. According to the bonus terms and conditions published and in effect when my account was opened on XX/XX/XXXX, the {$200.00} savings bonus is awarded when consumers open a new Platinum Money Market account and fund the account with at least {$10000.00} within 30 days of opening and maintain that balance for a period of 90 calendar days. As my attached money market account statements reflect, the account had at least a {$10000.00} balance from XX/XX/XXXX through XX/XX/XXXX ( 100 day period ). The terms state that the bonus will be credited within 150 days after opening or XX/XX/XXXX in my case. There is an additional {$100.00} bonus awarded when both this savings account bonus and a separate checking account bonus have been earned which has not been paid either, despite meeting the requirements and receiving the separate checking account bonus on XX/XX/XXXX. I have met all requirements necessary to receive the {$200.00} + {$100.00} bonuses including an opening deposit of {$5000.00}, funding to {$10000.00} within 30 days of opening, and being a resident of Wisconsin. My XXXX XXXX checking and Platinum money market accounts are open, in good standing, and have positive balances. I previously submitted an online secure message to BMO Harris on this issue and supplied them with the same info but have yet to hear anything back as of XX/XX/XXXX. I am hoping that by reaching out to the CFPB this matter can be addressed and resolved in a timely manner. 

Thank-you, -XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name XXXX XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Unvalidated debt reported to credit bureausAfter reviewing my credit report I saw DIVERSIFIED reported an alleged debt without ever making contact with me. They illegally reported unvalidated debt on my credit report. This is a violation of FCRA and FDCPA regulations. If this illegal entry is not removed from all three reports I will take legal action. I do not have an account number as I have had no contact with trident. I do know the balance of the alleged debt is listed on my report as {$40.00} with a date of XXXX 2015 as the date placed for collection. - XXXX
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 : XXXX, XXXX XXXX XXXX  : XXXX, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

XX/XX/XXXX  I paid a company for service when the service was not provided. I requested my funds back the company ignored my calls and ignored my emails. I reached out to my financial institution for support and assistance, and retaining my money back they asked me for information which I provided denied the claim, stating that the information I provided was not sufficient enough. The information I provided is all of the information that I have they told me to log back in and resubmit my complaint. I asked them once I resubmit my complaint what information can I furnish to them because the information I furnished the first time is the only information that I have available. The information that I submitted was a email conversation requesting my funds back, and why I was requesting my funds back I also submitted the information on the question that was asked what service was supposed to be provided that was not provided to me, the representative was rude told me he does not know what to tell me and told me the best he can tell me is to just resubmit it with the information that I have. When I asked him, would that get me denied again? He said it possibly could. After logging into my Navy Federal account. I went to search the original dispute submitted and I could not find it. I did however, find a message where they asked me to submit a second review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting this since XX/XX/2017 I filed BKPT, but did not include my car of my apt.. I have repeatedly sent the bureaus information which shows that these 2 items were not included, yet XXXX  refused to remove them as a negative item included in BKPT the same for Transunion, although Transunion did remove the car as a negative they still show the apt as being included in the BKPT, I dont know how else to ask them to correct the information
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not operated within the parameter set in the Fair Credit Reporting Act which in pursuant to Fair Credit Reporting Act 1681i ( a ), the CRA that receives the dispute must conduct a reasonable reinvestigation of the dispute in regards to XXXX XXXX XXXX. Experian has not conducted a proper investigation. The initial investigation was took well beyond the 30 days allowed in the FCRA. My initial disputed stated that XXXXt # XXXX had also violated by rights under the FCRA which states in Section 604 A Section 2 : a consumer reporting agency can not furnish a 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
Product: Credit reporting or other personal consumer reports

XXXX did a XXXX report update on my account as of XX/XX/XXXX and dropped my credit from a XXXX to a XXXX and stated the reason that had account balance on my account with balance that had already been paid of 10 days or more. 

I have a two credit cards by the same company in which they are reporting wrong balance on both cards. 

They are showing a XXXX XXXX account ending in XXXX with a balance of {$3.00}. And they account was paid in full as of XX/XX/XXXX They are showing a Destiny Card account ending in XXXX with a balance of {$36.00} and this account was paid off on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account XXXX : XXXX. XXXX XXXX ( Original Creditor : XXXX COMMUNICATIONS ) Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX  Original Creditor : XXXX  XXXX XXXX A ) Account Number : XXXX, and so on.
Product: Credit reporting or other personal consumer reports

Experian continues to report false information on my credit report. Attached is a screen shot of my credit profile. I have sent a copy of my drivers license, two utility bills, and a copy of my social with the correct address, phone number, and employer. Experian continues to report addresses that I have never lived at, names I have never gone by, and accounts that do not belong to me. 

XXXX. 

Names : XXXX XXXX XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : XXXX  XXXX  XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$490.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX  XXXX Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Credit limit - Highest balance {$100.00} Terms 1 Months On record until XX/XX/XXXX Account name XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$3.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Original balance {$3500.00} Highest balance - Terms 36 Months On record until XX/XX/XXXX Payment history XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX At this time I am asking that Experian do their due diligence and delete this from my credit report. Experian allows creditors to exploit victims of fraud and continuously place fraudlent credit items on consumers credit reports. Experian allows debt collection agencies to place fraudulent files on consumers credit reports and do not verify the debt. Experian never mailed any verification information to me or anyone given permission to by me to accept any mail on my behalf. Experian continues to cost me money by allowing creditors and collection agencies to put credit items on my file and do not verify those accounts. I XXXX XXXX XXXX maiden name : XXXX have never had an upgrade account or an account with XXXX that the Experian continues to allow to go on my credit file. This is fraud ... and Experian have not and will continue to lie about investigating files that they never investigate. Experian should be closed for there deceptive tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union and XXXX are reporting inaccurate info for the same account on my credit report. 

TransUnion- Balance is XXXX XXXX- Balance is XXXX TransUnion- Payment Status is collection/charge off XXXX- Payment is 120 days late TransUnion- Monthly Payment is XXXX XXXX- Monthly Payments is XXXX TransUnion- Last Date Active- XXXX XXXX- Last Day Active XXXX TransUnion- Date Of Last Payment XXXX XXXX- Date of Last payment XXXX. 

Here is the list of inaccuracies that have been posted on my credit report for the same account i have sent TransUnion and XXXX both 2 letters certified about these inaccuracies on my credit report an they both have fail to delete the account
Product: Credit reporting or other personal consumer reports

To Whom It May Concern at the CFPB, I am submitting a complaint about a derogatory account from JPMCB Card reported by XXXX and XXXX. This account, listed as a closed charge-off with a balance of {$1100.00}, has negatively impacted my credit report. 

Account Information : Creditor : JPMCB Card Account Number : XXXX Balance Owed : {$1100.00} Status : Closed / Collection/Charge-off Summary of Issue : I have no knowledge of any business relationship or account with JPMCB Card and am therefore not liable for this debt. I am unaware of how this account was established, and I have received no validation or proof of my responsibility for this balance. Despite this, both XXXX and XXXX continue to report this account on my credit report. 

Requested Resolution : To resolve this issue, I am requesting : XXXX. The immediate removal of this unverified account from both my XXXX and XXXX credit reports, as I am not liable for this debt. 
2. Assurance that JPMCB Card and all reporting agencies will cease future reporting of this debt on my credit profile.

Thank you for your attention and assistance in addressing this matter. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX has not Deleted XXXX XXXX XXXX off my credit file, they have let XXXX XXXX auto open and closed this closed charge off account several times over 90 days destroying my credit file till I lost over 153 points.
Product: Debt collection

Renton Collections , Inc. sent a bill from the original creditor, XXXX XXXX XXXX, account number XXXX in the amount of {$320.00}. This amount includes the original bill of {$300.00} plus {$15.00} in accrued interest for a total of {$320.00}. After contacting a customer service representative on XXXX XXXX 2015 to locate the original creditor which assigned the debt to collections, I told the collection agency representative the insurance agency had already paid the bill in full. The collection agency representative angrily denounced the statement claiming they had no such information. When pressed for details about the original creditor, the billing collection agency refused providing the information claiming they did not have to provide it. I asserted that per FCRA, the collection agency did have to provide the information from the original creditor in writing per my request. However, the billing collection agency representative still refused to do and refused to turn the call over to a person in charge per my request.
Product: Debt collection

Kindly ensure the removal of inaccurate accounts listed on my credit report in accordance with FCRA 605B. It's causing me some discomfort, so could you please verify the documents?
Product: Credit reporting, credit repair services, or other personal consumer reports

You guys gave me a hard inquiry and rejected me thank you for ruining my credit I'm over 700 I should of been approved. Never will do anything related with you guys in the future. Disgusting company I could of bought what I wanted in full but this seemed like the only way to get it now I'm pisssed off with you guys and best buy
Product: Credit reporting, credit repair services, or other personal consumer reports

The account in question, XXXX is showing incorrect information on my report on XXXX different credit reporting agencies. This information is negatively affecting my credit file due to the inaccurate information stated by the company.
Product: Credit reporting or other personal consumer reports

I have a big complaint against XXXX credit bureau. This agency is been lowering my credit tremendously ( XXXX points or more ) without any valid reason since my payments are on time and I don't have any past due or over the limit accounts. Every time that I called them I was told that they do this automatically and there is not one to talk. I would really like to know why they are doing that because every time that they do this is when my credit score is about to increase, and instead of doesn't increase because they lower it too low.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is still reporting a balance to Experian on a charged-off account that was settled. The account is being reported correctly to both XXXX and XXXX
Product: Mortgage

I am trying to make bimonthly payments a month on my mortgage to lower my interest payments but PHH Mortgage refuses to apply that payment during the month and holds it until my regularly scheduled payment. This is causing my interest payments to be higher and making me pay extra towards my mortgage when I really should n't have to. 

I have tried contacting the company before but their monthly statement unfairly states that " any partial payments that you make are not allowed to your mortgage, but instead are held in a separate suspense account ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX : {$400.00} XXXX XXXX XXXX : {$490.00}
Product: Credit reporting or other personal consumer reports

The information in the reports are different and do not match. It appears on my report as a negative account. {$2100.00} and the dates do not match nor the company names. I asked them to remove that from my credit report. to XXXX
Product: Mortgage

Last year, I had some water damage occur to my home, so I filed a homeowner 's insurance claim with XXXX XXXX. XXXX XXXX sent me a check for the funds needed for the repairs and the check was made out to me as well as my mortgage company, Carrington Mortgage Services, since the check was well over {$10000.00}. Carrington released some of the funds last summer, but they are still holding nearly {$5000.00} that they are not releasing to me. I have been trying to get them to release these funds to me for nearly 2 months so that I can pay off my contractor, yet they keep giving me a run around about having an inspector contact me, which has NEVER happened. I finally got fed up today and e-mailed the CEO of Carrington Mortgage Service, XXXX XXXX, and explained the situation and demand that my money that they are holding hostage be released immediately. About an hour later, I got a reply from XXXX XXXX, which I am 100 % sure was not intended for me as it was addressed to someone named XXXX. This is what the email said : " XXXX - This XXXX has been pestering us for at least a year that I can remember, I ca n't even sort out all of the details of what she is referring to any longer. Let 's do XXXX things here - solve whatever the current issue is asap and then get XXXX to offer her a streamline refi at what ever rate will incent her to refinance quickly, then sell the loan on a released basis into the market so that we are no longer dealing with her. Please let me know your thoughts. 

XXXX '' First of all, he called me an XXXX!!! Secondly, I have NO idea what he means by I have been " pestering '' him for a year as this is the very first time I contacted him. Thirdly, what he is trying to do to me is illegal. I have also filed a complaint at the state level ( Maine ). Also, below where it asks " which part of the mortgage process is your issue related to? ", this situation does not apply to any of the available options, so I just checked the option for " receiving a credit offer '' since I had no idea which XXXX to select since none of them apply to this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to your company indicating my dispute of information in my credit report. Experian has not responded to my dispute and therefore must update my credit file. The late date which is actually submitted on my credit report sounds very inaccurate or deceptive. 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 5 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 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 items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late payments from this account : XXXX  XXXX XXXX  XXXX XXXX