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

In XX/XX/XXXX i opened a checking account with Bank of America, while i was a customer with them there were several fraud transactions and attempts on my account ( 1st. Someone in XXXX tried to purchase tickets via XXXX to XXXX, m ind you i live in the U.S ) .I notified Bank of America that i didn't feel comfortable with retaining that account and asked if they would close the current account and allow me to open a new one. Bank of America informed me that they couldn't but what they would do was issue a new debit card ( The card was issued end of XX/XX/XXXX beginning of XX/XX/XXXX ). 

On XX/XX/XXXX there was a check in the amount of {$2700.00} for auto repairs ( Mind you i worked in a XXXX XXXX which BOA was aware due to bank deposits ) I Called Bank of America and informed them that it wasn't my transaction and they had me submit a claim and go into my nearest branch.I submitted a claim and they were suppose to investigate it and let me know there results ( I never received anything ). About a month or so after i received a letter stating that the account would be closed due to fraud activity and that i could still open one but would have to go into the nearest branch to do so.I thought that was the end of the Bank Of America nightmare In XX/XX/XXXX my fiance and I decided to close our joint account, so once i started applying to Banks i was constantly denied ( didn't know why ) until i asked one of the tellers why and she told me to contact XXXXThis is when i was finally informed that Bank Of America had sent my account over for {$150.00} they stated that the amount from the check was withdrawn and it caused my account to go into the negative {$150.00}, they stated that Bank Of America sent the check to them after it was returned for suspicious activity. I filed a dispute with XXXX who only received a copy of the check from BOA ( they state that is valid proof ). 

I Have called BOA on several occasions and spoke to several departments ( Customer Service, Claims, Recovery, Risk closure, Account escalations ). Risk closure and claims states they can not see notes from XXXX to see if i submitted a claim. Customer service cant access the account and recovery says all they do is collect on the debt. I have also wrote several letters to the offices in XXXX, FL and XXXX Fl but have not been responded to..I want someone at the banking system to thoroughly investigate my situation and when they see i'm not at fault they need to remove the info from XXXX and wipe the {$150.00} off as debt.. 

I offered to even pay the debt ( which i don't owe ) so that i can have this issue behind me. Bank of America is damaging my name and making it seem as if i am a criminal ( I have never been in trouble in my life ). I hope that Bank of America does its part to ensure this issue is resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, On XX/XX/2023 I Mailed XXXX And TransUnion A Dispute Letter Regarding Unauthorized Inquiries Reporting On My Credit Report. XXXX Wrote Me Back On XX/XX/2023 & TransUnion On XX/XX/2023. Stating That These Inquires Are Factual, WITHOUT Providing Any Names Business

Addresses Or Phone Number On Those Who Made Unauthorized Credit Inquires So I May Contact Them Directly. I Never Authorized Such Action & This Constitutes A Violation Of My Rights Under The Fair Credit Report Act 604 As Well Violations Of My Rights To Privacy. This Is Not A Request For A Reinvestigation.
Product: Debt collection

I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX  XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX {$9600.00}, XXXX {$3800.00}, XXXX XXXX {$0.00}, XXXX {$1700.00}, XXXX {$2500.00}, XXXX XXXX  XXXX {$2300.00} XXXX XXXX XXXX {$4300.00}, XXXX XXXX  {$5200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These are the accounts that I have marked as inaccurate. XXXX 's. XXXX. Any other accounts showing derogatory.
Product: Credit reporting

XXXX XXXX XXXX pulled my credit report on XX/XX/XXXX. 
I have had a freeze on my reports since XX/XX/XXXX. 
This company had no authority to pull my credit-I had no account with them, no business relationship, I did not apply for credit etc. 
They should have not been able to gain access to my report. 
This keeps happening despite the freeze being placed long ago and yet every time I call TU they refuse to do anything about it or to investigate.
Product: Student loan

When Firstmark acquired my private student loan from XXXX, they changed the loan from a fixed rate to a variable rate. They have then raised the interest rate from XXXX % to XXXX % and rising. I have called Firstmark three times about this : - On the first call ( XX/XX/XXXX ), they lied and said that they had my promissory notes and were looking at them during the call, and that the loans were variable rate loans. I asked them to send them to me and they said I would receive them in 1-2 days. They never arrived.

- On the second call ( XX/XX/XXXX ), they told me that they did NOT have the promissory notes at all. Instead, they had ordered the promissory notes from XXXX and they would be delivered in 1-2 days. They still have not arrived. 
- On the third call ( XX/XX/XXXX ), they said that they did not have the promissory notes and they had no idea when or if they would arrive. They would not reinstate the fixed interest rate without the promissory notes. 
At this point, Firstmark has illegally converted my fixed rate loan to a variable rate loan. They refuse to reinstate the fixed rate or refund the interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

fcra violations : and HIPPA not mine : XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$330.00} Balance updated XX/XX/XXXX no creditors : Original creditor : {$330.00} Balance updated Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account Paid off : 0 % Balance on Original balance {$330.00} - Payment Info Original balance - Balance {$330.00} Status Unpaid Status date XX/XX/XXXX Additional info Comments - Your statements - XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$70.00} Balance updated XX/XX/XXXX Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account Paid off : 0 % Balance on XX/XX/XXXX Original balance {$70.00} - Since this collection account 's original balance was less than {$100.00}, it isn't factored into your FICO Score 8. 
Payment Info Original balance - Balance {$70.00} Status - Status date XX/XX/XXXX Additional info Comments Placed for collection Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
Reminder : You are currently reviewing your XXXX  Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to TransUnion. Dispute with XXXX  Online or by Mail at XXXX. XXXX  XXXX, XXXX, PA XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX {$1100.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XXXX XXXX, XXXX Account type Open account Paid off : 0 % Balance on XX/XX/XXXX Original balance {$1100.00} - Payment Info Original balance - Balance {$1100.00} Status - Status date XX/XX/XXXX Additional info Comments Account information disputed by consumer Your statements - Contact POB XXXX XXXX XXXX, NCXXXX ( XXXX ) XXXX Is everything correct? 
Reminder : You are currently reviewing your XXXX  Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to XXXX. Dispute with XXXX  Online or by Mail at XXXX. XXXX  XXXX, XXXX, PA XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$330.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
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, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX CT XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : - XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX Balance : {$160.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00XXXX XXXX XXXX ( Original Creditor XXXX XXXXS ) XXXX Balance : {$62.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$250.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} EQUIFAX MORTGAGE SER XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : personal information : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX : {$0.00}
Product: Debt collection

Reviewed my credit report & notice creditor that I never opened an account with. Reached out to have information verified but company was unable to verify. Please this have this account removed immediately off all reporting credit bureaus.
Product: Credit card or prepaid card

I opened a Comenity Bank credit card account through strong promotion of a XXXX XXXX agent. It has the name of " XXXX XXXX XXXX XXXX XXXX ''. XXXX charged the card for a XXXX membership fee without my preauthorization when I was traveling overseas between XX/XX/XXXX-XX/XX/XXXX. I did not realize XXXX XXXX had made this unauthorized charge until I received a phone call from a bank agent because they did not receive payment for the charge I was not aware of. I contacted XXXX according to the instruction of the bank agent. XXXX agreed to refund the membership fee they illegitamently charged ( reference number XXXX ). I closed the Comenity Bank credit card account immediately after I talked the the first bank agent because I did not want any more unauthorized charges nor related late fees. However, the late fees from the bank kept on accumulating even after XXXX refunded the membership fee and the credit card closed. What was more troublesome was that the bank would not stop making harrassing phone calls. The callers never seemed to understand the matter they were calling about and were not interested in listening to my explanation. <P/><P/>1
Product: Credit card or prepaid card

My problems specifically is for the credit card company Capital One to charge a membership fee to the available credit line and not, charge it separately as a separate fee they offered a credit line of {$400.00} but they deducted the {$39.00} membership fee from the credit line and not charging it separately also no Reward Points were given this should be considered the first charge. There is no no difference what they are doing versus what XXXX XXXX did! 
I spoken with the customer service manager message XXXX operator number XXXX she said there was no one else I can speak to and she would forward my concerns but it's not guaranteed that I would hear back from someone! This incident occurred on XX/XX/2018. 
Once again I have no problem with the membership fee but I do have a problem how they interjected into the available credit line without stating is the first time use of the card and also giving points for first use! 

XXXX XXXX XXXX
Product: Debt collection

consumingIn XXXX we talked about my debt. Then they call me again in XXXX. 
Using treating language, and failed to notify me of any court dates. 
I am retired and live on a fixed budget. I told them this but they persist and got a Judgement of 6 %, that they charge anytime they like. Plus change me for the court case, so all the money I pay was consumed by their tactics. Some of what they do should not be legal or allowed. If I am paying then they should not be consuming it up with legal fees. They company who hired these crooks is responsible.
Product: Mortgage

I have a loan with XXXX and it is serviced by LoanCare. I went into a COVID19 Forbearance plan starting XX/XX/XXXX. My Forbearance was through XX/XX/XXXX. I was able to start resuming my payments XX/XX/XXXX. I applied for assistance to pay the payments missed during the Forbearance but I was denied XX/XX/XXXX. I appealed the denial and was denied again XX/XX/XXXX. I was required to pay the full amount to reinstate my loan or risk foreclosure. I submitted the final payment today, after struggling to come up with the money and borrowing. Being an FHA loan and a COVID19 Forbearance, I believe LoanCare should not have required me to pay the past due amount in full right away. I had to borrow the money and am now owing others money.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Product: Credit reporting or other personal consumer reports

I am filing this complaint because recently as of XX/XX/XXXX, I disputed the accuracy and completeness of two accounts reported by PORTFOLIO RECOVERY ASSOCIATES LLC a debt collection company and was unable to get the agency to resolve the issues in question. Firstly, I would like to highlight that the company did not conduct a reasonable investigation regarding this issue because they finished the dispute within a matter of 5 days. There was no comprehensive and thorough investigation commenced. It seems to be a rushed process in this case. Secondly, the furnisher did not consider ALL relevant information because I provided them a fresh copy of my consumer report from XXXX with the errors highlighted and circled and they still failed to update the credit reporting agencies with accurate and complete information per FCRA section 1681s-2 ( 2 ) and 1681s-2 ( b ) ( 1 ). The problem is that the data furnisher failed to correct the missing payment history information currently being reported. It is shown in my report that the tradeline was supposedly opened and reported to the CRAs on XXXX XXXX, XXXX, but the notated items on the account did not report until XX/XX/XXXX. That is a 4-month gap of incomplete missing payment history that have not been notated, reported, nor updated with the consumer reporting agencies upon notice of dispute, and the second account was opened and reported on XXXX XXXX, XXXX, and wasn't notated till XX/XX/XXXX which is another 4-month gap. This unresolved information is also misleading and damaging to my credit worthiness and credit score. As it stands currently, the results of my dispute regarding these issues were verified by this company post reinvestigation. According to the FCRA section 1681s-2 ( b ) ( 1 ) furnishers of information are required to promptly delete incomplete and inaccurate account information if it has in fact been found to be inaccurate and incomplete. Lastly, I would like to highlight that this furnisher is in fact a " debt buyer ''. They have violated my federally protected rights per the FCRA and FDCPA. The following sections have been violated based on their failure with compliance : FCRA 1681s-2 ( b ) ( 1 ) and all 5 of its steps, FDCPA 1692e ( 2 ) ( A ), and FDCPA 1692e ( 10 ). In closing, I would like to emphasize per the Fair Credit Reporting Act section 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. This company is notorious for deception and abuse to consumers. I have noticed multiple cases available to the public where the debt collection agency was penalized for noncompliance and unfair debt collection practices.
Product: Student loan

I am co-signer ( mother ) of loans that was received over the course of my daughter going to school. First off, I don't even know what the name of this company is after reading numerous complaints against them. Is it Sallie Mae or is it XXXX? They have told me numerous times that they are Sallie Mae and do not know who XXXX is? 

We have been trying to talk to Sallie Mae/XXXX for years now and can not get anywhere. My daughters original loans were in the @ amount of {$10000.00}, but now that has doubled because of interest. That is astronomical amount for interest! How can they do this to these young adults trying to make it in this world. I made {$25.00} dollar payments for months and at one point I cancelled but they still was taking {$25.00} taken out of my account without my authorization. I wanted my daughter ( borrower ) to start taking responsibility and make payments herself on this loan. They would not work with her on making an affordable payments, kept calling me first or her grandmother ( who lives in assisted living, battling XXXX, and is a widow ). Months of harrassment is an understatement, and when you try and talk to them, you are told something different everytime you talk to somebody. You are on the phone for hours for nothing. 
One week ago, I thought we finally had come to an agreement for an affordable payment for my daughter to make ( after years of getting no where, but interest still being added ). My daughter was to call back, to set the program up to make regular payments every month. When she called, she was asked how she could make payment every month ( which was worked out from the call a week ago ). She told them that she would re-budget. The person from Sallie Mae told her, that was not going to help making the payment and that they need concrete details and if they do not get them, the program wouldn't be approved. What????? She was approved for this one week ago, now its changed?????? My daughter has a new baby, working full time, trying to make it in this world. How do you call yourself a trusted student loan company???!!???? You are not helping students, you are just stealing money from these young adults and their parents. Trusted loan company is a joke of a statement. More like Fraudulent loan company!! This company should not be in business! Something needs to done with their manipulative and fraudulent actions!!! 

Frustrated, Concerned parent