23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Band of America Credit Card History of this issue is : XX/XX/XXXX a charge showed up on my credit card for XXXX from XXXX XXXX XXXX XX/XX/XXXX The Credit Card Company was called and a dispute of the charge started. 
XX/XX/XXXX we received a letter saying the dispute was settled and a credit was given to the credit card account. 
XX/XX/XXXX 7 of 7 boxes were delivered to our house via XXXX. I was out of town so my husband not knowing what was coming for the holidays signed for the boxes. 
XX/XX/XXXX I called the credit card company to tell them packages were delivered but again neither my husband or I placed the order the representative said the case was closed and to do nothing at this point. 

XX/XX/XXXX we received a letter saying there was no fraud and we were responsible for the XXXX. The charge was placed back on our credit card We called the fraud department back and they said we were to return the items to get a refund. I said I don't know who to return the items to and who will pay the shipping cost. We tried looking up the company on line sending emails, used several phone numbers for contacting the sender to no avail. Once in a while you will speak with someone and they direct you to their email or they just hang up. Some of the phone numbers are routed to a recording that has a menu of prompts to win a beach vacation. No response from emails have ever been acknowledged. 

XX/XX/XXXX we called Bank of America Fraud Department and we were told the case has been reopened. 
XX/XX/XXXX I called Bank of America and said she reopened the case, the representative called the senders numbers provided and she was hung up on 2 times. 
XX/XX/XXXX my husband called Bank of America and he was told we can't speak to anyone in Fraud department about our case but he would re-open the case. 

1 ) How can I be sure my fraud case is really still open and the charge on my card will be removed with any interest accumulated? 
2 ) I would love to send the merchandise back to XXXX XXXX XXXX but not only will they not communicate with me but not the CC card company.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts listed below from my credit report. These accounts were opened or reported without my authorization, and I suspect they are the result of identity theft stemming from a data breach. As provided under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this fraudulent information removed from my credit file. 
XXXX Accounts to Be Blocked and Deleted XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX  XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$12000.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3700.00} XXXX. CAP XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$5900.00} XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$10000.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$5100.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$5900.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and I noticed that I had XXXX late payments on an account I was in fact never late on. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots of inside this complaint, on dates XXXX of XXXX for account # XXXX, and dates XXXX of XXXX for account # XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I DEMAND these payments to be updated to paid as agreed on time as they should be due to the fact I was never late. Even in the screenshots you can see the inaccuracy of the reporting. Thanks! Please see screenshot attached :
Product: Debt collection

Was doing a routine check of my credit score which I do regularly and steadily maintain around a 740 credit score with 100 % payments on time when I notice my score down to XXXX with an alert regard a new collection. Noticed a collection from sunrise credit services on XXXX for a collection of {$34000.00}. They are collecting for XXXX XXXX XXXX phone services. I have never had XXXX XXXX XXXX for a phone service ever in my lifetime. Sunrise credit services listed an address on there files for collection at XXXX XXXX XXXX XXXX OH. Which I have never lived or know of. An email address of XXXX which does not belong to me. XXXXXXXX XXXX  XXXX account was opened XX/XX/XXXX and went to collections XX/XX/XXXX for {$34000.00}. The only reason I have any knowledge is by checking my credit score. I have never been contacted by phone, mail, or email for any type of account regarding any type of overdue balance or any account at all involving XXXX XXXX XXXX. I called sunrise credit services today on XXXX for information regarding this fraudulent debt and they said they can not provide me with any documentation stating the origin of the debt, and instructed me to get a police report and watch my mail for a fraud packet. I spoke with XXXX XXXX  from sunrise credit services at XXXX XXXX for approximately 14 minutes on XXXX I do not understand how a company as reputable as XXXX XXXX XXXX could even allow someone to get {$34000.00} in debt, let alone with out ever making an actual identification of the person receiving there services or even a inquiry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning I have sent 3 letters of dispute to the 3 credit bureaus XXXX, XXXX and Experian asking that they verify that the accounts are verified that they send me proof with the contract and my original signature and that if they are not removed from my credit report and still they still appear after 2 rounds of dispute cards XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX************* Unverified Account XXXX XXXX  XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXXXXXX Unverified Account Experian XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXXXXXX XXXX XXXX XXXX Unverified Account XXXXXXXX XXXX XXXX XXXX XXXX Unverified Account
Product: Prepaid card

I received a {$20.00} gift card at an XXXX office party. The card was from " XXXX  '' You log in, use the numbers on the card and exchange it for gift cards from their list of XXXX restaurants. On XX/XX/XXXX I logged into XXXX to make my restaurant selection and I kept getting an error message that the card was " not negotiable '', I called the phone number on the website. A male answered the phone told me the card was " fine ''. While he was on the phone and tried again, and suddenly it was active. Because the denomination options were such that I couldn't order a {$20.00} card, I had to request XXXX  {$10.00} cards from the restaurant. I chose XXXX XXXX Within minutes I received an XXXX certificate for {$10.00} from XXXX XXXX. So I waited about a couple hours, when I didn't get the second card, I checked the balance on the card I was sent to see if they had loaded the {$20.00} onto the one card, despite the card clearly stating {$10.00}. When I confirmed it was only {$10.00} I called the customer service # from the website XXXX. The male that answered the phone was very difficult to understand, he talked fast, with a dialect and told me I just needed to wait, that it could take up to 24 hours. 
Today, XX/XX/XXXX I called again, as a second XXXX XXXX has not arrived. This time a woman was rude and told me I needed to contact XXXX XXXX that there isn't anything she can do. When I attempted to tell her that I had already checked the balance and it was only activated for {$10.00}. Now when I try to call back it's as if someone lifts the receiver and immediately hangs up the phone. I realize it's only {$10.00} but with the behavior I have encountered I believe that there is something fradulent going on. I would like this corrected, please
Product: Mortgage

In XX/XX/2024 I refinance my mortgage from Equity prime mortgage ( EPM ) to XXXX XXXX however XXXX and Equity prime mortgage fail after numerous attempts to close the loan or properly report the loan as paid and closed. The loan is still showing up on my XXXX report showing as {$680000.00} additional debt which is impacting my DTI. I have called uploaded my XXXX report to EPM they said they will resolve it and they have not. I would like to have it reflect as paid and closed. XXXX and XXXX have the information reported correctly.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have found discrepancies in my credit report, including unauthorized accounts. Please block and remove these fraudulent entries as soon as possible.
Product: Checking or savings account

I needed to wire out a few XXXX dollars out of my account. So I went to the BoA branch at XXXX XXXX XXXX, XXXX, NY XXXX. There I was given the run around. They held me up for an hour until they were about to close for the weekend. During that times they gave me various reasons why they wouldn't do the wire for me, including an alleged rule that a 4-hour prior request must be made, and that the branch has a limit of $ XXXX for wires. We have been clients of BoA for close to XXXX decades and made wires without any of those supposed rules. We never got notice of any of those supposed rules. Indeed, when I called in BoA customer service, I was told that there are in fact no such rules. Nor can such rule be rational, considering that I can wire online a XXXX dollars. It was obvious a ploy by BoA to illegally deny me access to my money, so that the funds ( for which they pay 0 % interest ) will stay with the bank for its own benefits. Notably, the customer service rep at BoA call-in number, wouldn't do anything more than denying the existence of the alleged rules and advising me to go find another branch...
Product: Credit reporting, credit repair services, or other personal consumer reports

this account was never delinquent this's my school loan please removed all late from this account please XXXX XXXX XXXX Account Number XXXX Account Type Installment Loan Terms 38 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 120 days Status Updated XX/XX/XXXX Balance {$2000.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment {$56.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address PO BOX XXXX, XXXX XXXX, XXXX  XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$1700.00} Comments - Payment History XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised I have requested validation { not verification } of an item reported to you by XXXX XXXX XXXX. I have received a response that does not indicate or prove : I had this service, What services I am being charged for, or What the cost of each service I am being charged for. Furthermore, XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate reporting for XXXX XXXX XXXX/XXXX ( previously held by XXXX  ) Accounts : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX TRANSUNION 12 different XXXXXXXX XXXX XXXXXXXX Accounts are showing one late payment of 90 days for the month of XXXX 2019, but no 30 or 60 day notices of a late payment are present on report. It would not be possible to have missed 90 days of payments, given that the very next month of XXXX 2019 shows as on time, and all other payments since on are also time as well. 

XXXX XXXX different DEPT OF XXXXXXXX Accounts ( previously held by XXXX  ) are showing one late payment of 90 days for the month of XXXX 2019. 4 different DEPT OF XXXXXXXX  Accounts ( previously held by XXXX  ) are showing a late payment of 90 days for the month of XXXX 2019, but no 30 or 60 day notices of a late payment are present on report. It would not be possible to have missed 90 days of payments, given that the month of XXXX 2019 shows as on time, and all other payments since on are also time as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block 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 is 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 XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX , VA XXXX ; XXXX XXXX Balance : {$6200.00} ; XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$0.00} ; VIRGINIA XXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have written many letters to TU informing them of this fraudulent account along with the police report, and they still continue to report this inaccurate information ; I had previously filed a CFPB complaint, and my mom had passed away from every tragic accident, and I had been in the hospital with her for about a month and was not able to respond to the response by the deadline. As the law states, please hold TU accountable and ensure they report accurately.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report, and noticed the following errors are reporting on my consumer report : Inaccurate personal information, Unauthorized inquiries, and Inaccurate late payments reporting. Please investigate and update as they are causing adverse harm to my credit report and good character : In accordance with the FCRA, my rights have been violated.15 U.S.C 1681 SECTION 602, 15 U.S.C . 1692 States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.15U.S.C 1681 B ( 2 ) States if I did not give permission to have anything on my credit report it is not suppose to be there.

All disputes have been mailed out to the company certified mail and return sender. 

On XX/XX/2024 I sent company a dispute for Inaccurate reporting that was on my consumer report, as well as unauthorized inquiries. 1 ) XX/XX/2024 XXXX # XXXX Inaccurate Personal Information. 2 ) XX/XX/2024 XXXX # XXXX Unauthorized Credit Inquiries on my credit report. 

A dispute was sent out XX/XX/2024 XXXX # XXXX for unverified late payments reporting on my consumer report on the following accounts XXXX XXXX XXXX, and XXXX XXXX XXXX  XXXX. 

I have attached valid copy of Passport, Social, and utility bill with my current and only address XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

The only EMPLOYER that should be reporting is XXXX XXXX XXXX. 

This is now my second attempt trying to resolve this issue with XXXX.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.The company has failed to provide supporting documentation verifying the accuracy of the inaccurate information reporting on my consumer report.
Product: Student loan

I have student loans with Navient beginning in 1990 while attending grad school. I have been in contact with Navient and have notice that my original balance of XXXX has sky rocketed to over XXXX XXXX dollars? They have added new balances, manipulated loan balances, and changed my interest rate several times without my permission. They will not allow me to start repayment options, only offering deferment, or forbearance. My original loan documents have fixed low interest rates that I agreed to and signed. Navient has added new balances, and consolidated my loans without my permission. I can not pay this new balance over XXXX XXXX dollars. My loans were originally with Sallie Mae. When Navient took over my loans they changed, and they started manipulating my interest rates, and payment options, and balances. They tell me that they do not have my original paperwork isuued from Salli Mae. I don't know what to do. I am now facing repayment, and my job as a XXXX will not allow me to pay this large debt off? They are crooks, and I need help!
Product: Debt collection

As of XX/XX/2024, I checked my credit profile and noticed a credit card account for CCS Collection. I immediately contacted XXXX XXXX and XXXX and the credit card company to notify them that this account was a fraudulent account that did not belong to me because I have never had any past business dealings or account with this company before. At this time the credit card company and XXXX XXXX, and XXXX are refusing to remove this fraudulent account from my credit file. They have also refused to provide me with any type of documentation proving that this account belongs to me. This situation has caused me a lot of stress because I should not be penalized or punished due to the fact that I am a victim of identity theft.
Product: Checking or savings account

On XX/XX/XXXX I opened my bank statement and noticed my money was not in there. Looking back to my activity I saw I had written a check for {$7500.00} to XXXX XXXX XXXX for property taxes which I had driven to the post office. We never put mail in mailbox at our house. I immediately called Truist and spoke with a XXXX and told her that someone must have mis-keyed the amt by adding a XXXX in front. She said no my check # XXXX was for {$17000.00} and made out to XXXX XXXX. She walked me through viewing this on line. My check was totally altered. You could see the broken lines where they had erased. Name, amt. erased my memo of acct # and property address. She filed claim # XXXX I called police XXXX XXXX came to my home and filed a case # XXXX. Then I drove to the bank to take up a copy of my tax bill and other documents. The banker XXXX XXXX looked at all the info took copies and got them off to claim dept. told me not to worry bank may take up to 60 days but i should get all my money back. Then I received a decline letter saying I filed too late. I went to bank the manager XXXX XXXX didn't know anything about a time requirement neither did XXXX. She called claims dept and was told I only had 30 days. That they sent one letter " a hold harmless '' to the XXXX Bank that cashed check and would do nothing more. Refused to call them. They have not given me my money back nor made a call Account where the deposit went through mobile scan. I asked to see letter they sent and they would not show me it. Upon a call again today they said 60 days if they hear nothing from XXXX they would " reach out ''. Please help me. I need my stollen money back. I still need to pay taxes for {$7500.00} I learned our post office has a ton of theft where are the cameras? There are non how can government not care, bank doesn't care. Please help me to get my money back from this fraud. All the best.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding a hard inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Their investigation and re-investigation did not prove to me of my consent to run a hard inquiry on my background or credit. I tried and tried but Equifax provided me with no concrete proof that it was authorize by me. I contacted XXXX XXXX  but not getting any response. I will take accountability for it when I know it was authorized by me but this is not one was not by me. I need this to remove off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Transunion is reporting fraudulent accounts on my consumer report. XXXX and XXXX have removed these fraudulent items but Transunion has not and continues to report inaccurate/fraudulent accounts. These accounts need to be removed immediately as Transunion is in violation of numerous consumer reporting laws.
Product: Debt collection

When I recently sold my home in XXXX XXXX a debt from Citibank NA come up on the title search. There was an Judgement award to Citibank in XXXX. I was not aware of this debt or the case that resulted in an award. I believe this may be an identity theft issue, since I was not contacted by Citibank. This debt does not appear on my credit report.
Product: Credit card or prepaid card

Hello Reviewer, My credit score has been negatively impacted because of a false statement produced by Synchrony Bank. Synchrony closed my Guitar Center credit card because of ; a lack of real estate information, balances on accounts too high compared to credit limits, too few accounts paid as agreed and not enough balance paid down over time.

Synchrony Bank is in violation of the Unfair, Deceptive, or Abusive Acts or Practices stated in the XXXX XXXX XXXX XXXX Reform and Consumer Protection Act of XXXX. I do own real estate, I have paid all my debts on time with Guitar Center/Synchrony and even paid off my debts early on two accounts. I have not gone over my credit limit. I requested to increase my credit limit with Synchrony and they accepted it. They set my limit to {$2700.00} and I had only spent {$820.00} recently. This is a utilization of 30 %. I have never been delinquent on any payments with Synchrony Bank in regards to the Guitar Center card and have paid off my balances before they were due. With the Guitar Center card I had, I took out a total of 3 loans. 2 in XXXX and XXXX in XXXX. Both loans from XXXX were paid off before their due dates as I had a 24 month 0 % APR financing. The most recent loan was for {$820.00} and 0 % APR for 48 months. I have made all payments on time with this most recent loan.