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

Account was opened in XX/XX/2022 until XX/XX/2022 email address that was set up for this account was XXXX which is not my email address. Bank of America allowed this account for Safe Balance Banking account to be open without proper identification. I was unaware of any of this until I received a letter and statements notifying of the closing of the account due to a business decision still had not properly identified. You can open this type of account online without providing proper Identify. Driver license number issue date, expiration date and/or uploaded your ID. Now after the fact Bank of American wants all the following information : Fraud Claim number XXXX XXXX ). ID sure as driver 's license or a state, government or military issued ID. 
2. a copy of SS card, 3 ) a copy of ss statement, 4 ). proof of residency utility bill or insurance bill or rental or mortgage.

4 ). any original account documents you received for the account ( XXXX ) which i will not have because I did not open this account. 5 ). A copy of the policy report ( XXXX filed through XXXX County Sheriff 's Office ). 
If only that had completed the property ID verification upfront, which was not completed online. however, if they walked into a bank this would not have happened because there would have been proper identification done. I am requesting restitution. Bank of America needs to be stricter on their online banking products when opening accounts. This is ridiculous. I was yelled by their staff, and I did not do this this is not my fault. Completely on them and they should take ownership.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA section 05B, it is illegal to report information on my credit report without my permission. Please remove from my credit report. XXXX and Experian have not done a proper investigation of my disputes for these collection accounts. XXXX has investigated these accounts and deleted them from my credit report. 

Account name-XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Account number-XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX MA XXXX balance- {$200.00}
Product: Credit reporting or other personal consumer reports

n 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 : XXXX XXXX XXXX  via XXXX XXXX XXXX, Account name : XXXX XXXX  Account name : XXXX  XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX  Account name : XXXX  Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX  Account name : XXXXXXXX XXXX  via XXXX XXXX Account name : XXXX XXXX All these Account names listed has violated my rights I looked at my Transunion credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. and according to the fair credit report act Whenever a consumer reporting agency prepares a consumer report is shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 11 ) treatment of inaccurate or unverifiable information. 

( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( iI ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

an according to 15 USC 1681s-2 they are suppose to 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: Credit card or prepaid card

XX/XX/XXXX opened XXXX XXXX store credit card when I purchased a set of tires the total was {$1000.00} there was a promotional offer of no interest if paid withing 12 months. When I received the 2nd statement in XXXX, interest had been charged. I made first contact with Comenity customer service. I was told that an error could have been made and the person that opened my account did not select the " promotional '' option on my card. I was told they would investigate, and considering they found the promotion active at the time and terms were met the changes would be made to my account within 30 days. I made 2nd contact with Comenity in XXXX, after that initial 30 days. I was told that it could, in fact, take up to 60 days. They saw the previous notes on my account and it was " in process to be reviewed. '' Due to XXXX, my 3rd contact to Comenity was in early XX/XX/XXXX as the issue had still not been resolved, my account is still accruing interest. I called Comenity customer service and asked to be escalated to a supervisor. I was told by this supervisor that it could take up to 180 days and they had nothing but attitude to offer. At this point I made contact with the original point of sale, I went back to the store I made the purchase and opened the card. They told me that this has happened before and that they would refund the amount of the charge, switch the account to promotional, reapply the charge and it should be good as they have had to do it several times before. The refund and reapplication of the charge did happen, but the interest was still on the account and had accrued more, this time the terminology used on my statement changed it went from " interest for this period '' to " XXXX XXXX XXXX int XXXX XXXX '' as if my account had surpassed the promotional period and was accruing deferred interest. The amount of interest seems to have decreased but it should be XXXX and all the previous interest is still on the account. The terminology has changed again, now saying " Interest charge on purchase. '' I went back to the XXXX XXXX XXXX XXXXXX/XX/XXXX to once again attempt to have the issue resolved. The associate at the store once again helped make contact to customer support, they see all the previous notes, agree on the fact that there is an error on the account and it is accruing interest in error. The Comenity customer service agent calculated the interest, which is currently {$99.00} made note of that and said they would submit a ticket and I should look to hear from someone within 5-10 business days, that was nearly 3 weeks ago. I have not heard anything and the account is still not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an outstanding bill at XXXX for XXXX. I paid the full bill to their assignede collection agency XXXX XXXX XXXX on XX/XX/2022. On XX/XX/2022 I was notified by Equifax Credit Corp. that they had received a new collection account for the same XXXX bill. I sent a copy of the bank statements to Equifax showing the bill had been paid. I also contacted XXXX XXXX on XX/XX/2022, they would not accept responsibility for their own error in not sending the paid account information to Equifax Credit Corp.
Product: Debt collection

Myself and other members of my family received a semi automated call about a debt that I know nothing about from HSBC.
Product: Bank account or service

On XXXX XXXX, 2015 I applied for a Citigold Checking account and entered in a promotional code for XXXX XXXX XXXX rewards miles. In order to receive those points I had to meet certain requirements after opening the account. I met those requirements, as Citi has acknowledged, but Citi has refused to award me the points I have earned. They claim that I was never targeted for the promotion. Our correspondence began on XXXX XXXX and to this day they continue to deny me. 

Via secure message on XXXX XXXX ( after multiple messages ), Citi stated, " After reviewing your account, I can confirm you entered a promotion code when you opened your account and have completed the requirements for that specific promotion ; however you were not targeted for the promotion in question. 

The terms and conditions are listed on the offer sent to those targeted clients in which it states : -Enrollment in this promotion does not guarantee eligibility -All accounts subject to approval and applicable terms and fees. 
-To qualify you must be targeted -This offer is only available to Citi credit card members who receive this communication. 
-To be eligible for this limited-time offer, you must not have had a consumer checking account with Citibank in the past. '' I replied that those were not the terms presented to me when I applied for the Account and the corresponding promotion. The terms presented to me, which I have photographic evidence of, stated, " This offer is available to Citi / AAdvantage credit cardmembers who receive this communication ''. 

Their reply, " Recently, you contacted us regarding your account and whether your account qualified for an AAdvantage Miles promotional offer. We appreciate your patience while waiting for our response. 

Unfortunately, there was not an AAdvantage Miles promotion offered in conjunction with the opening of your account. While Citi does offer AAdvantage miles promotions at times, those offers are only available to the individual to whom the offer was addressed. '' As shown, I met Citi 's requirements for the promotion by receiving the communication and I was eligible by receiving the communication in question. I was adhering to their own terms and conditions for the promotion. I do not appreciate their continued willful denial of these terms, and their refusal to award me the points I have earned, all while still charging me a fee for maintaining their Citigold account!
Product: Mortgage

My homeowners insurance payments are to come out of my escrow payments made to the mortgage company. In XX/XX/2021, I received notice of cancellation from my insurance company due to the insurance not being paid. I sent an email to the mortgage company along with the notice requesting payment be sent overnight so the insurance would remain in effect. On XX/XX/2021, I received a cancellation notice from the insurance company since the mortgage company did not submit payment. I've since learned that my insurance policy was canceled due to the mortgage company not making the payment from escrow.
Product: Mortgage

Our complaint is against Nationstar : Nationstar has notified us that starting on XXXX/XXXX/XXXX our interest rate will go up to 5 % despite the fact that our Loan Modification Agreement clearly showed the the cap was 4.75 %. 

We have written to Nationstar a couple of times about this however they insist on the 5 % while at the same time they are sending us refinancing notices with interest rates staring at 3.5 %! 

The history of our Loan is as follows : On XXXX/XXXX/XXXX we bought a home in XXXX XXXX NV XXXX our initial mortgage was with XXXXXXXX XXXX who shortly after closing sold it to XXXX XXXX XXXX XXXX XXXX loan maturing in XXXX. 

We were making our mortgage payments regularly never missing a date until XXXX of XXXX when our income dropped drastically and we were forced to ask for a Loan Modification. 

We submitted the necessary application and on XXXX XXXX, XXXX we signed the loan modification agreement that reduced the monthly payments, by substantially increasing the new amount due and extending the maturity of the loan to XXXX! Part of the new agreement was the our interest rate would increase from the initial 2 % to a maximum of 4.75 % by XXXX/XXXX/XXXX. 

We have since paying our loan regularly never missing a payment, in fact we have been making extra payments towards Principal managing to substantially reduce the balance of our mortgage. 

Sometime in XXXX of XXXX XXXX sold our mortgage to XXXX and we were asked to refile our HARP application which we did. 

Sometime at the end of XXXX XXXX sold our mortgage to Nationstar and we have been making our payments to them never missing a payment and continuing making extra payments towards Principal managing to substantially reduce the balance of our mortgage. 

We have not proceeded with the refinance because of the excessive closing costs.
Product: Credit card or prepaid card

I saw an ad on XXXX about a scooter from XXXX for {$69.00}. 
Thinking this was a great deal, I immediately purchased using my Capital One Walmart rewards credit card. I happened to be texting a friend after making the purchase, informing her that I felt unsure about the purchase, because companies usually send confirmation, but I had not received email confirmation. I proceeded to lock my card, with the expectation that the credit card company would contact me prior to allowing the transaction. She reviewed the information and took some screenshots, showing that the company had no affiliation with XXXX and the numerous complaints reporting the business, XXXX was a scam. I repeatedly checked to see if the purchase showed on my credit card charges and finally, the next day after locking my card, the charges showed. I immediately contacted capital one and tried to resolve the issue. They said that since the purchase was still pending, I would have to wait XXXX business days for the charge to show at which point I could call back to dispute it. 
My issue is that the charges did not show until after I locked the card. The purchase was made the night of XX/XX/2023 after which I had locked the card and the pending charge was placed on XXXX The company acknowledged that I locked the card, however, they refuse to remove the charge even after the lock was put in place. I received no call questioning why the card was locked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide a breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX xxxxxxxxxxxxxxxx XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I submitted a letter to Experian which was to follow up on a letter submitted XX/XX/2018. I was told that the courts verified the public record then I stated the US courts doesn't report Public record. then they stated it came from XXXX. I contacted XXXX  they stated that they have not verified any items to Experian.
Product: Debt collection

As a consumer natural person I am asserting my consumer rights pursuant 15 U.S. Code 1681b ( a ) ( 2 ) per my written instruction I say what can be on my consumer report. I did not consent nor contract with MIDLAND FUNDING on Wednesday XXXX XXXX. I request that this account XXXX is deleted. I ask that this alleged debt is verified and investigated. Pursuant 15 U.S. Code 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The above account is a direct impact to my ability to exercise my right to credit because my reputation with this consumer reporting agency is inaccurate and I know that the banking system is dependent on this reporting. I ask for a copy of full credit file not report the full file.
Product: Checking or savings account

This is to report the theft of my XXXX year old son 's identity. We discovered on XX/XX/XXXX that my son 's social security number and name was used to open up a bank account through Capital One 360 for the purpose of obtaining a checking/debit card. Additionally, it is believed that his identity was further used to obtain employment as well. We are aware of who the person is that stole his identity. 

This is the initial action taken thus far. We plan to contact Capital One 360 on XX/XX/XXXX during business hours to report this fraudulent act and request that the account be closed immediately. We are also requesting documentation from you as proof of this report to take to the police department in order to file a police report of this theft as well,
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is incorrectly changing my credit score and is not using the proper information to calculate my score. My score has dropped over 100 points sometimes twice in one day. I have complained about this before and it has not been handled properly. Transunion is using a biased system to score me and I think im being retaliated against for filling complaints. Based off similar people with the same situations my score is biased and should be investigated completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I purchased a XXXX XXXX XXXX. I shared my experience with XXXX. It was not mentioned at all during the sales process, by the finance head. 
I traded the XXXX XXXX XXXX. As requested, I called XXXX to get the pay off amount. The Accountant was on the phone with me. We both talked with XXXX representative. My account was in good standing. I had no past due balances and owed no payments to XXXX. I drove off with my new vehicle which I have now and pay my car note on time monthly. 
On XX/XX/XXXX, XXXX 's XXXX XXXX XXXX delivered a check in the amount of the Pay Off quoted to myself and XXXX 's accountant to XXXX. 
XX/XX/XXXX XXXX deposited the check. 
XX/XX/XXXX, I received a " Past Due '' car note bill from XXXX stating that I owed XXXX an additional {$220.00}. and change. I immediately drove to XXXX 's and met with the Accountant who was not happy with the bill. We called XXXX. Spoke with a representative who did not have authority to look at accounts. The XXXX 's Accountant had a copy of the check ( both side ) emailed to him and shared the date the check was hand delivered and deposited. I went ahead and paid the alleged balance and requested a letter from them stating the the balance was paid in full. XXXX 's cut a remembered me right then and there. 
XX/XX/XXXX, XXXX charged my credit card an additional {$16.00} as payment for a late phone. My bank retrieved that money back. I then found that XXXX posted on the 3 credit bureaus reports that I was late paying my account for 60 days. 
I have proof that I am never late with my car payments. My bank statements show that I paid my monthly payments on or before time. I have sent XXXX XXXX XXXX copy of the Pay Off check and documentation of the monthly payments listed on statement.
Product: Prepaid card

I purchased an American Express gift card on XX/XX/, to use in opening a XXXX account. 

Someone used a fake XXXX account, a fake XXXX customer service contact and stole {$400.00} off my gift card. 

Ive tried to get some assistance through American Express and XXXX, all to no avail. 

I am a widow mother of XXXX, and I can not afford to have {$400.00} stolen from me. 

I opened the XXXX to help out with selling items to pay my bills. 

Im very disappointed that no one is trying to help me get this resolved. 

The merchant is XXXX, a clothing store. XXXX  or XXXX? Im not sure, but I think this is just disturbing to have consumers being scammed, every day!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying since XXXX to remove dispute comments from my credit report with equifax. I still have 2 accounts with dispute coments
Product: Debt collection

1 they failed to delete inaccurate, in complete, unverified information about me 2 I was a victim of Identity theft I report to gov indentity theft 3 they failed to provide notice to me of my dispute 4 they never did a full investigation when I open my dispute and havent removed address nor number and account from my account
Product: Payday loan, title loan, or personal loan

I am a repeat customer of Lending Club and this is my second loan. I paid off my first loan with no late payments and decided to get a second loan. Unfortunately, I was laid off due to the pandemic and called Lending Club in XX/XX/XXXX to let them know that I needed help with my payments. My payment was lowered to about {$230.00} and I made that payment ; however, I still did not receive my unemployment benefits and could not make another payment until XX/XX/XXXX. I asked if there was a payment assistance plan available to help me get caught up and the answer was no. I made my {$650.00} payment in XXXX and called again in XX/XX/XXXX to see if there was a payment assistance plan available. Again, the answer was no and I've scheduled a payment of the full amount {$650.00} for XX/XX/XXXX. At which point the Associate stated to call back in 5-6 business days after the XXXX payment posted to see if I'm eligible for a payment assistance plan. Meanwhile, my credit score has taken a major hit and Lending Club seems unwilling to help me get back on track. I have a full-time permanent job and my other creditors ( including XXXX  ) have all helped by providing me a payment assistance plan AND have updated my credit bureau as current. Please let me know if you need anything else. Thanks.