23daVinci/CFPB_Complaints huggingface dataset:
Product: Other financial service

On XXXX XXXX, 2016, I went to the Bank of America in XXXX XXXX XXXX XXXX, MA XXXX US to cash a check that I received from Tuition reimbursement from employer, the cashier ask me if I have a account with BOFA I said no and he proceed ask me to put my finger into a ink and put into to the check and a XXXX dollar fee was going to be charge. 

I did all the procedure he asked and he grabs the phone on the wall and called the manager to look my check. 

Here is the worst part started the Manage, XXXX XXXX, Assistant Vice President, Financial Center Manager. 

He also had my Government ID in his possession and declined to cash my check. 
He also told me that he was going to call the company from the check and I told him that was fine if he want to call and he went inside and come less then 1 min he never call the company and looked in the computer again and decline for no reason to check my check. 

I proceed ask the Manager if he can explain me why his not going to cash my check and he said he can not change the check and can not give any reason. 

When I told him that I was going to file sue on the Bank him he told me to leave the bank and not come back to cash my check again. 

This is not the first time I have problem with Bank Of America I had similar experience couple year ago and never come and said anything, so this time will be different I will publish in all social media this discrimination. 

I was with my XXXX daughter with me and she started cry in the bank with his arrogant attitude and screaming on us to leave the bank. 


One thing I am sure that my check has fund and he discriminated me and my daughter at the Bank of America in XXXX XXXX XXXX XXXX, MA XXXX. 

He does not give me any reason why he could not check my check and I am planning to sue this Bank for Discrimination.
Product: Debt collection

Portfolio Recovery Service Inc. LLCcontacted my wife who is not the main person that owes the debt and divulged to her that I had an outstanding cell phone bill that needed to be resolved. 
Attempted to collect debts that are well beyond the relevant statute of limitations. 
Refused to provide proof of the debt when requested to do so, and continuing collection efforts
Product: Debt collection

I've been repaying by debt through the XXXX XXXX company. On XX/XX/XXXX I requested a record of all the payments I had made on Federal Student Loans. I asked to get a record of what payments I had made, and which ones qualified toward repayment. I was told that it would take 3 months to get a detailed summary of my loans, what qualifying re-payments had been made, and a record of which of those payments counted towards PSLF. I never received this report. In previous years ( before XX/XX/XXXX ) there had been a tool on the website showing that I had 4 or so years towards my repayment, but such information has disappeared from the website. 
I have been repaying loans since about XXXX, but when I consolidated my loads through PSLF, either all records of those payments were lost ( I have records ) or else they were not counted towards PSLF repayment. The years fromXX/XX/XXXXXX/XX/XXXX - XX/XX/XXXX, though I had been XXXX and paying loans, which I made sure to check were qualifying, were lost. 
Another complaint is that when I am asked to re-certify with an employer, I do so, and I also request that XXXX ensures that I am currently enrolled in the correct repayment plan. I have no way of verifying this or making sure that the payments I am making qualify. 
When I am asked to submit documents I do so, but almost every single time I am sent a form letter about how some of what I submitted was incorrect, and I am forced to make a call ( hold and transfer time 10-30 minutes ) to XXXX to find out exactly what it was. Case and point, I was given a form that told me to submit records of my income. I submitted all XXXX and XXXX forms ( which in step 5 of the IDR form was what I was instructed to do. Nothing was said about tax return forms ) with my income from XXXX, an in return I was sent a form letter that did not specify what I had incorrectly submitted, but letting me know that my request was rejected. When I called, I was told that I was supposed to have submitted a tax return form, though it was not specified on the form and instructions I was originally given. 
My specific complaint is that XXXX is withholding information necessary to participate in the PSLF program, and is making it unduly difficult to submit information, ensure you are fulfilling requirements, and receive information about my student loan and repayment. Any other entity dealing with loans and other financial matters would not be permitted to mismanage information in such a way that XXXX has been.
Product: Mortgage

I have had a very difficult time with Rushmore. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. Rushmore always seemed to lose my paper work, which I constantly had to re fax. I also had a very difficult with the representative XXXX XXXX who accused me of " going on trips but no paying my mortgage '' This was based on a purchase on an airline flight, I bought a drink and chips. This was a business trip were the tickets were paid for and the expensive as well. I was very hurt by this and felt this representative did not want to help me avoid a foreclosure.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I filed an identity theft report due to the violation of laws of 15USC 1681b, 16USC1681q, and 18USC 1028A. Please remove this public record from my consumer reports immediately. 

Consumer Reporting Agency : Experian Record type : XXXX XXXX XXXX XXXXXXXX Date filed : XX/XX/XXXX Date resolved : XX/XX/XXXX Responsibility : Individual Reference number : XXXX Consumer Reporting Agency : XXXX Case number : XXXX Bankruptcy disposition : XXXX XXXX Date filed : XX/XX/XXXX Date reported : XX/XX/XXXX Consumer Reporting Agency : XXXX Record XXXX : XXXX XXXX XXXX XXXX  Number : XXXX Type XXXX XXXX XXXX XXXX XXXXXXXX Date Filed : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In years past I had a security freeze on my trans union credit report that I didn't initiate and it took many attempts before removing the notice or freeze
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/year> To : LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public XXXX XXXX XXXX Number Dear XXXX  Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

there are more than 16 different names listed on my account. 
While i only have one name which is XXXX XXXX. 
At first Experian added wrong addresses on my report and now they have added wrong names All other names listed on my credit report should be deleted with immediate effect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted this creditor to provide proof this is my account. I had another account which was paid in full and closed on XX/XX/XXXX. And this account is showing opened on XX/XX/XXXX. 
I have asked for proof of this being my account and have not recieved anything. 
They have sent one reply asking for my personal information that I have provided in my initial letter. 
Still have not received proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are too many inaccuracies in my report and i have filed disputes with EXPERIAN on the dates below EXPERIAN. 
- 1st Letter XX/XX/XXXX - 2nd Letter XX/XX/XXXX - 3rd Letter XX/XX/XXXX It is over 90 Days i still do not have a response or report of investigation, that is if they did any. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX are reporting incorrectly ( 90 ) plus days late on the XXXX XXXX  XXXX  account number XXXX. ( Please see page attached from my credit report. ) I filed for bankruptcy on XX/XX/2012. This loan was included in my bankruptcy and was discharged. The late payments reporting are AFTER the bankruptcy was discharged. This is a complete violation of the Fair Credit Reporting Act and these late payments need to be removed immediately and this line item needs to be deleted from my credit report. This false reporting of lates is seriously harming my credit score. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I had a gap  credit card that was sold to barclay bank. Gap  transferred all of my info including my checking information. I automatically set up my payments with ll my credit cards. Once gap  sold to barclay, they stop the automatic payments unknown to me. I call and requested help with the late reporting. They decline to help me. They said the did have my checking info to pull the payment but the automatic stop once the account was transferred. I just need help. I have never been late with gap  and now the killed my score and cause XXXX to cut my credit once they saw the 60 days late. Please help.
Product: Credit reporting

I wrote letters to Capital One and XXXX asking them to investigate and REMOVE the inquires form my credit reports from XXXX BUREAUS because they were hard inquires and there was no basis for the inquires. I did not apply for anything with Capital One. It has already been investigated and the still want 60-90 days for this to be removed but it should not have been there in the first place. I have attached supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$31000.00} XXXX XXXX Balance : {$32000.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXXXXXX XXXX XXXXE Account Type : Credit Card Account Number XXXX Account Type : XXXX XXXXXXXX Account Type Credit Card Account Number : 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 account without my written instruction.

15 U.S.C 1681 C. ( 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 1681 S-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

I am writing to file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds at the time transactions were authorized. I was unfairly charged overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is still reporting information that they themselves told me they removed as fraud from my report on XX/XX/XXXX based on the dispute I opened and the FTC affidavit, Police report, and proof of identity I submitted. They state that since collection agencies purchased this information and opened these entries as new accounts - they are showing them. Even though they have retained the information that the Original Creditors and related accounts were deleted due to fraud. I submitted the exact same information to XXXX and they reinvestigated and immediately delete the information ( see attached ) I submitted my original dispute on XX/XX/XXXX and subsequent dispute on XX/XX/XXXX which I am attaching which has my detailed complaint. I also opened a complaint with you and you just closed it because they did a system review. This is wrong, they legal need to show proof that these accounts are mine and neither they nor the collection agency can show that proof - that is why Experian had to delete the accounts in the first place. Please read my complete complaint attached and also review the documentation from XXXX that they deleted the collection agency 's information from my report. I also just received the same deletion information from XXXX  as a result of Credit Dispute # XXXX
Product: Debt collection

Portfolio Recovery/Portfolio Recovery Associates Inc has two active collections accounts on my credit report that is old debt. New accounts are created to maintain an open account status on my credit report. They have repeatedly contacted my home, my cell ( of which theyve never been provided that number ), my spouse, my in-laws, my parents, my deceased grandfathers home - they have been asked on numerous occasions to stop calling, and they have not. They call my cell multiple times per day and I have blocked numerous numbers from their company to no avail. They just call from another number.
Product: Debt collection

on XX/XX/2017 left XXXX XXXX XXXX phone company and paid all my balances since I was a customer for 15yrs with them, I wanted to make sure they would release my phone numbers and be clear on my credit. after 3 months they kept billing me for my monthly service. i called and they failed to credit the amount for services I did not received. i filed a complaint with FTC and did not get results. Now, I am getting constant phone calls, letters from Sunrise Credit services. XXXX address XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX for the amount of {$410.00} I keep spending time on this dept that is not mine and is ruining my credit. please help
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 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
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXXXX/XX/XXXX Dear Experian : I pulled my credit report and noticed that there are items that are not right. 

I saw these inquiries are on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Inquiry from XXXX XXXX XXXX, Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This inquiry was not authorized, please remove it. 

Inquiry from XXXX, Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This inquiry was not authorized, please remove it. 

Inquiry from XXXX XXXX XXXX XXXX, Note : HARD Inquiry : Finance - XXXX, Date : XX/XX/XXXX This inquiry was not authorized ; please remove it. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 

Respectfully, XXXX XXXX XXXX : XX/XX/XXXX
Product: Debt collection

This company started calling me XX/XX/2021 about a purchase that I had no knowledge about. They were informed of this and have continued to call me every single day since then. They are harassing me and illegally reporting to credit bureaus that I owe them for a transaction I have no knowledge about. 

Said dates of transaction, It was impossible for me to purchase anything at that location. I was not in the state and have submitted proof to the company.
Product: Debt collection

It has come to my attention that my identity has been stolen and several account have been open and this account is one of them.
Product: Mortgage

Original Complaint : XXXX. 

Follow-up : Lakeview/XXXX sent a release to the County which was rejected on XX/XX/XXXX due to not meeting State statutes. 

Lakeview/XXXX sent a second release to the County, which was rejected aon XXXX/XXXX/XXXX due to not meeting State statutes. 

Missouri State Statutes : Grantor/Grantee must be completed XXXX '' margin FIRST PAGE MUST INCLUDE BOOK AND PAGE : Book, XXXX, Page, XXXX. 

We were told on XX/XX/XXXX that a release was sent to the County on XX/XX/XXXX. That is the same day that LakeviewXXXX replied to the original CFPB complaint with documentation. However, that documentation was the release that has been rejected due to not meeting State statutes. 

Calls to the XXXX XXXX XXXX on XX/XX/XXXX revealed they have not received the corrected release. 

Calls to XXXX on XX/XX/XXXX revealed that the last document mailed was a letter to my home on XX/XX/XXXX stating they were still investigating the issue. This letter was dated XX/XX/XXXX and was received at my home. 

My account shows no record of any other documentation, which indicates that the correct release has not been sent to the County and we still have an erroneous duplicate lien on our property.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I looked for my name on the Internet, I discovered that some of my personal information was being utilized without my permission. My information was gathered by an aggregation website, which encouraged me to examine the website 's FAQ section before contacting around nine separate websites. I was ashamed by the fact that I had to request that my items be taken, as I respect my privacy. I discovered unauthorized fraudulent accounts on my credit record ; I would like these accounts to be erased and rectified. Remove any fraudulent and bad accounts from my credit report. This has impeded my capacity to obtain financing. I am making every effort to regain control of my life. Please help me eliminate any bogus accounts. Please inform me of any other steps that can be taken to remove these accounts from my report.