23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was contacted by Bank of America to refinance my home, they said that they could give me a better rate and my house would qualify for eliminating the Mortage insurance. They wanted {$480.00} for the appraisal and because of my $ XXXX a year income & I had paid the original principle down from XXXX to XXXX I was a lock for this loan. We had a rude appraiser come in and value the house at XXXX, so I would have to keep the insurance, I protested and provided Bank of America the information from a independent realtor that they asked me to provide. The realtor rated the home value at XXXX based on a XXXX Bedroom home with XXXX full bath XXXX sq ft and a prime XXXX zip code location. The said it was n't good enough and charged my Bank of America credit card {$480.00} & added {$25.00} late fee when I protested the charge. They said they would give the late fee back but never did. I have complained and they say their hands are tied, I even offered to pay {$10000.00} to put me under the Mortage insurance & they wo n't budge. I believe they want only to do loans so they can make extra revenue on Mortage insurence. They refuse to reverse the charge that they put on my credit card without authorization.
Product: Mortgage

XX/XX/year> I closed on a HELOC loan with FNB for XXXX at a rate of 7.9 %. On XX/XX/XXXX, I advised FNB that I was going to be mobilized starting XXXX XXXX and was requesting SCRA benefits which would lower my interest rate to 6 %, to XXXX XXXX Assistant Branch Manager at the FNB where I opened the loan. On XX/XX/XXXX, I received a response from XXXX stating that they can not process SCRA until I am back on XXXX XXXX status which would be XX/XX/XXXX. XX/XX/XXXX I sent XXXX another email asking for her to again submit for SCRA benefits on my behalf. She responded via email on the XXXX of XXXX stating that she will submit the request on the XXXX of XXXX. I received a letter by mail dated XX/XX/XXXX, stating that I am not eligible for SCRA benefits, stating that I was on XXXX XXXX status XX/XX/year>, prior to opening the HELOC. XX/XX/XXXX XXXX sent an email to XXXX XXXX who sent the letter, stating that the date they have for my active service was wrong, and I included a copy of my mobilization orders, which I did for the initial request. I received an email from XXXX on the XXXX of XXXX stating they are reviewing my request with their legal team, and they will reach back out within XXXX. On XX/XX/XXXX I received an email from XXXX stating they need more time to research the issue. That was the last communication I received from XXXX or FNB. Upon receiving the email on the XXXX I sent XXXX another email requesting what the issue is holding up me receiving my benefits and if no action is made I would file complaints with various institutions. The last email I sent was on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX/XXXX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

My sister, XXXX XXXX, and I have contacted experience multiple times during the last two months. They are constantly mixing up our information causing my Credit score to dedrease..We are twins and our Social Security numbers are just one digit off. They are putting my information on her report and vice versa. This information is student loans, credit cards, Home addresses Names, etc. my sister knows pretty much all my personal information regarding my debts. This is an identity breach and a breach of security. There are security laws that protect citizens against this, XXXX, are close, but not that close. I am extremely upset that she is aware of how much debt that I have incurred in my life. She had no prior knowledge and did not even know my credit score beforehand. She now knows everything! This is very personal information. What makes matters even worse, is that this is not the first time we have contacted credit bureaus each and everyone of multiple times over the years. 
XXXX has accused me multiple times over the past few years of using her Social Security number. This is causing me so much stress and is driving a wedge between the relationship I have with my sister. 

I typically keep my credit report locked. In XXXX, XXXX XXXX XXXX  XXXX XXXX and XXXX denied me Credit because of a fraud alert. They contacted my sister ( instead of me ) to verify that I was applying for Credit. Of course, since she in fact, was not applying for Credit and that I was applying for Credit, she told the customer service reps no and they marked my application as fraud, denying me Credit. 
She did not know that I was applying for a new credit card. One day during casual conversation. She mentioned to me that someone was trying to steal her identity and apply for credit cards in her name. I then mention that I applied for Credit and that it was denied because of fraud. I didnt realize that they contacted her instead of me. 
I contacted the credit card company and explain the situation. After multiple calls and holding on the phone, I was told that I would have to contact the credit bureau, ( Experian ) because that is the number that they had on file for me and that there is nothing that they could do about it. 

When we contacted Experian two weeks ago, she service rep was very rude, condescending and disrespectful. He yelled at and over talked me when we were just calling for an understanding of our accounts. I eventually asked for a supervisor and was told that I will get a call back in 24 hours. No one has called me yet. 
They are beyond unprofessional and only thing that we are asking for is that our accounts be corrected.
Product: Payday loan, title loan, or personal loan

I started a online application with myself and a co-applicant to check rates without affecting my credit score per their website. After checking my rates I called a few days later to review and ask some questions over their balance transfer loan process. During this call I did not request and was not made aware that the agent assisting me was starting a loan application for me under my name only. I ended the call and a few days later when I was ready to submit the application for the loan I noticed that my co-applicant was not on the loan. I called to inquire about this and was told by the agent on this call that since I am the main applicant only my name would show and the co-applicants would show on another page. With this information I then submitted the application and was approved for the loan, without the co-applicant on it. I did not know I was submitting a application for myself only as that is not what I started online and was not told by any of their agents that there started a new application under my name only. I want the credit inquiry to be taken off as it was ran under false information given to me and a false application I did not agree to submit.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report, and I noticed several inquiries that I do not recognize. The details are as follows : XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit card payment was sent on time. Wells Fargo claims they did not receive on time
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I sent letters to all XXXX credit Bureaus asking them to provide some proof of an XXXX XXXX XXXX bill in the amount of XXXX showing on my credit report ( that does not belong to me ) or to remove within XXXX days. I received notifications and updated credit reports from all XXXX bureaus showing they had deleted the account in the amount of XXXX} being reported by XXXX XXXX XXXX XXXX XXXX XXXX. I am in the process of trying to purchase a home and now they have reinserted the unidentified account that does not belong to me back on all XXXX of my credit report 's but this time it 's with a XXXX XXXX agency called XXXX XXXX I never received any notification XXXX days prior stating they would be reinserting items that were deleted back on my credit report. Please delete the XXXX XXXX XXXX bill in the amount of XXXX from all XXXX bureaus XXXX, Transunion and XXXX as they are violating the law by not notifying me within XXXX  days.
Product: Student loan

My daughter took out XXXX student loads, which I cosigned. She apparently stopped paying the monthly payments sometime in XXXX of 2015. I was unaware of this until I received a phone call in late XXXX from Wells Fargo, the debt holder. I asked for a statement, and paid the bill when it was received. I then received numerous calls over a period of several weeks and in each instance I asked for a written statement. Each of these statements FALSELY state that I had received numerous prior notifications. That is simply not true. I recieved no prior notification whatsoever. I paid all of these bills when notified, and yet Wells Fargo has now notified all XXXX credit agencies that I am in arrears, which has had a devastating impact on my credit rating. I have always had perfect credit. I acted in good faith to fulfill my obligation as a co signer. Wells Fargo has acted in bad faith, has improperly damaged my credit, and has repeatedly failed to timely notify me of the debt owed, and has refused on multiple occasions to provide documentation when requested. This surely must be a violation of fair credit practices.
Product: Credit reporting

I disputed an account with Transunion regarding a collection account from XXXX XXXX XXXX regarding the XXXX Government electronic traffic ticket department. I was issued a camera ticket in XXXX 2012 when i was not driving a vehicle. The vehicle was being driven by a relative. I disputed the account with the XXXX Government and got a letter agreeing to remove the account from their collections. I sent the letter to Transunion and they failed to remove the account from my credit report despite receiving information from the original creditor advising them to do so.
Product: Credit card or prepaid card

Capital one has frozen my 2 credit card accounts over the last 30 days ( XX/XX/2019 ) requesting documents about the authorized users on my account and requesting documents about myself. 

They claim they must verify that the Authorized Users are " real '' people and that I actually know these people. They claim that they must also verify my identity and make sure I allowed these people onto my account as authorized users. 

I've provided all the documentation they've requested ( copy of ss card and ID ) for each Authorized User. I've also included my own ss card, ID, bank statements, and phone bill, to prove my identity and current mailing address, yet they refuse to release my account. 

They claim that the copies I've provided of social security cards and driver 's licenses are not good enough ( when indeed they are perfectly legible ). They said they do not want copies, scanned, or faxed versions, they want picture / text message versions of these sensitive documents, which I feel is a security risk. 

I asked if I can provide additional documentation such as passports, w-2 's, or any other supporting documentation to prove their identity. They said no, they will not accept any other documents and they will not accept any other format ( copies, faxes, scanned ). 

They said if I can not provide the documents in the exact format they request they will send my account to inactive status which I feel could potentially hurt my scores and hurt my ability to get credit and financing as I am currently looking to purchase a home. 

I receive their calls while at work and this has pulled me away from being able to work due to the time it's taken to go out of my way to fulfill their unreasonable requests. 

This has caused stress, taken me away from work, and has caused me to be afraid for my high credit scores to drop and hurt my ability to purchase a home. 

I currently use these cards for business and having these accounts frozen has also hurt my ability to continue running my business efficiently.
Product: Mortgage

On XX/XX/2021 I reached out to KEYBANK in regards of applying for a mortgage. 

At my request, I gave notice to the mortgage loan officer that I was asserting and reserving all rights under the ECOA ( Equal Credit Opportunity Act ). Pursuant to : " Use of Credit History Information -- 12 CFR 1002.6 ( b ) ( 6 ) '' This request was made verbally by phone, also through via email and USPS Certified Mail. ( Please see all attachments for confirmation ) Through correspondence with the mortgage loan officer via email, she stated that my ECOA ( Equal Credit Opportunity Act XXXX request is to be rescinded before assisting me with applying for this transaction. 

I declined the mortgage loan officer request, and made it clear that I will not rescind my ECOA ( Equal Credit Opportunity Act ) request prior to completing an application. 

I have not heard back from the mortgage loan officer, nor have I been granted the opportunity to apply for this transaction.
Product: Checking or savings account

On Friday XX/XX/XXXX 1. USAA EMAILED ME A NOTIFICATION STATING THAT MY PREVIOUS ACCOUNT ENDNING IN XXXX WAS BEING REOPEND TO ACCEPT A DEPOSIT AND FOR ACCOUNT MAINTENCE. 

2. MY CONSUMER RIGHTS HAVE BEEN VIOLATED AND USAA WILLFULLY AND KNOWINGLY COMIITED THIS ACT INTENTIONALLY DESPITE OF PREVIOUS REPREMANDS AND BREAKING THE LAW. 

3. The CFPB fined USAA Federal Savings Bank {$15.00} XXXX in XXXX for reopening closed accounts without customer authorization, among other alleged violations. Rather than reopening an account when a third party attempts to deposit or withdraw money from it, the CFPB said banks should decline the transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, Equifax was sent a letter to delete the inquiries from my consumer report and also the inaccurate reporting of accounts. They were given XXXX  days to respond back to me. There was no response, I went to the official website to dispute the same things and they did a XXXX investigation just to tell me that everything they are reporting on my consumer report is accurate. This is identity theft, ehich I have been a victim of for about XXXX years already, with someone using my social security number. This is illegal and unjust, I am unable to provide a decent living for my family due to these inaccuries and I will not stop until something has been done about this matter. I have documentation as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Va cars in XXXX Va pulled my credit report through capital one without my permission. I went to their establishment XXXX when they mailed me and kept calling me about being pre approved by capital one for an auto loan. I went there and literally only gave my name stepped out on the lot did not like what I saw and said thanks and left. About 2 hours or so later They called i did not answer they left a voicemail then I got a notification that there was an inquiry on my credit by capital one auto finance. I never authorized this. Never told them I was going to get a car. Never picked one never looked at one other than across the lot.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting two lates in XX/XX/2016 and XX/XX/2016 that I should not have. I never received any statements or notification about these lates, I always make my payments on time and when I did finally find out about the lates I paid them immediately. I don't know why my account was late these times and would appreciate them being removed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Act this Creditor has violated my rights under 15 USC 1681 Section 602 States. I have a right to privacy 15 USC 1681 Section 604A Section 2 states a consumer Agency can not furnish an account without written instruction. Under 15 USC 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. Also violating FCRA Laws, with reporting the account as a charge off without providing me with a 1099C. This is a IRS violation. Reporting fraudulent to the IRS as if they provided me with a 1099C form.
Product: Debt collection

Credit report showing Ehanced Recovery Company reporting as of XX/XX/2021 {$440.00} XXXX XXXX debt ; however, debt was sold and paid with another company, XXXX XXXX XXXX. We have contacted Enhanced Recovery Company and they ignore deletion requests. They admit they no longer own the debt and that debt was recalled by XXXX ; however, they ignore requests to delete this from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

had ID theft done hacking, sent all reports I had to move this has taken over my life SENT FTC, cfpb complaints noone will help just turn down after turn down not taken in consideration of the ID theft Banks telling to remove my fraud alert uneducated people that these people have hired that don't even belong in a branch have you guys really ever shopped your own banks? 
Walk into one very rarely do I get a trained profession. Cutting pay for what? to get people that don't XXXX about banking? You guys are the bread and butter of the American economy but you rather cut pay and make the government spare your expense cfpb should be the higher ups of the banks protect our economy not try to XXXX us. YES its sad to walk around with the knowledge I have and walk into a bank. XXXX when people are put in the wrong position I'm sure XXXX XXXXa wouldn't be a very good RB or XXXX XXXX a great WR, so put people in the right position to succeed. STOP having the government monitor every. You guys owe it to us get this stuff right no reason why you guys only do something b/c youre afraid of the cfpb do it b/c its the right thing to DOOOOOO
Product: Mortgage

This my 3rd complaint with Bank of America concerning the same issue. The original complaint # XXXX was filed on XX/XX/2021. Bank of America refuses to apply my " principal only '' payments to the principal of my mortgage. They have been calculating interest on the wrong principal amount for over a year. Bank of America 's Home Loan customer service department told me any payment I make after my regular mortgage payment and before the next months payment will be applied to " principal only ''. This has not happen. 

Bank of America says they have no way of knowing what payments apply to principal only.
Product: Credit reporting or other personal consumer reports

In Accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A States have the rights privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an account listed on my credit report that I believe should be removed. Under the Fair Credit Reporting Act ( 15 USC 1681 ), I have the right to dispute any information that I believe is incorrect. 

The details of the account in question are as follows : - **Creditors Name** : XXXX - XXXX XXXX XXXX XXXX - XXXX*Reason for Dispute** : This account has been paid in settlement, and per the settlement agreement, the creditor agreed to delete this account from my credit report. Under **15 USC 1681a**, I am entitled to accurate and complete information in my credit report. The continued reporting of this account with a " paid in settlement '' status is misleading and does not reflect my current financial responsibility.

Additionally, under **15 USC 1681e**, consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. Reporting an account with a " paid in settlement '' status can misrepresent my creditworthiness. Furthermore, under **15 USC 1681s-2**, furnishers of information, such as XXXX have obligations to provide accurate and complete information. If this account has been settled, it should be accurately reflected or removed from my credit report. 

If you are unable to validate the status of this account or confirm its deletion within 30 days, I request that it be removed from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX