23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card at BANK of AMERICA, number XXXX. 
In XX/XX/2020, COVID situation, Bank Of America informed to credit reports that i was delinquent. 
We are in pandemic and at this time was not been informed this lates. I lated but i paid! 
However, this information is at my CREDIT REPORT and my score in going down for that. 
I called to Bank of America and they want to open a disput. I don ; t want to disput, i just want to be excluded because we wwere at COVID situation and the ammount of XXXX $ was informed like delinquent. 

They don't want to exclude that, even i informed that all the banks were not reporting by Covid situation.
Product: Checking or savings account

Wells Fargo Bank has closed 4 bank accounts without my authorization. The 3 accounts that bring the most problem are with my father 's estate accounts. My father passed away on XX/XX/XXXX. Well Fargo keeps records for account holders for 18 months which is great. This allows me to settle my fathers estate properly and provide the state of Virginia documents such as bank statements and checks to track funds. However given that the balances dropped to a low level they took it upon themselves to close these accounts. The estate requires documentation for accounting to preform tax returns and filings as well as estate filings. In addition Wells Fargo has no problem in charging fees on both my fathers estate accounts as well as commercial accounts without hesitation. I need online access for estate and corporate tax returns due to the fact that their bank statements dont provide details on checks that were written. I requested numerous times to allow online access so I can pull bank statements and cancelled checks for this year XX/XX/XXXX but they have denied me that right yet they offer that to others that have active accounts. If they had told me or warned me of this issue I would have kept the required balances. 

1. account # XXXX checking 2. account # XXXX savings 3. account # XXXX checking 4. XX/XX/XXXX XXXX account XXXX commercial
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 : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a 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 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

Equifax is not responding to my requests to investigate, verify and remove accounts in my credit report that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent in letters to the credit bureaus asking them for verification on the inaccurate accounts that they were reporting to my credit report. The law says that they have 30 days, and it is well over 30 days. I have yet to receive a response from them on this matter. I'm upset and I feel like I'm being taken advantage of. This is a case of misleading false reporting and if this isn't settled, I will file for litigation. Please help me with this matter.
Product: Payday loan, title loan, or personal loan

The company listed on statements and on my online account the loan was being paid as I paid extra payments and at the end they said I owed more money, it was not paid in full. They also sold me fraudulent unemployment insurance that I was never able to use after many attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 the whole society was impacted by the coronavirus pandemic. I was impacted finacially and missed payment with Capital One. I explained and provided proof that i was impacted by Covid 19 and wrote a letter for a forgiveness of late payment and their response was that according to FCRA it requires they report accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX XXXX XXXX marrian fiance have reported late reports even after i paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Sunday, XX/XX/XXXX I was attempting to freeze my credit reports. I was successfully able to freeze my other two credit reports - but I had problems with Experian. 

Experian was not able to accept my credit freeze request and the ONLY course of action was for me to send them a letter by mail with all of my personally identifying information. 

In an effort to protect my information, I now have to send almost all the information that would be required for stealing my identity through the mail - for NO reason that was explained to me. 

I'm not sure how it is possible in 2019 that this is the ONLY way of communicating with a credit agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to the three credit agencies ( XXXX, XXXX, and Transunion ) concerning my negative items on my credit report on XX/XX/2017 and neither have sent me information verifing my negative items bearing my name.
Product: Mortgage

XXXX It has been since XXXX XXXX, 2015 that I first applied for the refinance. As of today, no decision or counter offer has been conveyed to me. It 's not a new loan and I am not a new customer to Citibank ; my home loan is currently with Citibank and has been for the past several years. 
Each week, you have requested something, and I have provided the item requested ; I would then get a phone call requesting the same item. My response was, " it is in the email that I have sent you. " I have sent an email last week, requesting a response, to no avail. 
I find this process and lack of responsiveness unbelievable. At this point, I believe this lack of responsiveness should be elevated to a Manager, as well as the OCC because I am complaining very loudly regarding the treatment or lack thereof by Citibank. 
Unfortunately, your email to me is very misleading, the service in neither smooth nor easy. And the customer service is very poor, which is in direct contradiction to the statement in the Citibank email. 

XXXX So, since I have sent the above email, the Manager is working on my file, asking for the same things previously provided and a new loan number was issued, but no new disclosures. This is a consumer transaction. I sense compliance violations. 


XXXX Last week, I have received a call from the new loan processor regarding obtaining proper insurance needed on my refinance loan with Citibank. My comment to her was, my loan is currently with Citibank, and they have forced placed the proper insurance needed and is charging me each month. 

XXXX Now today, I get a call and she tells me that the insurance ( that Citibank has forced placed and charged me for ) is unacceptable. My problem is Citibank has forced placed insurance on my loan, and now Citibank is telling me that the forced place insurance is not acceptable. If the insurance is unacceptable, why is Citibank charging for something that is not needed. 

It has been more than 3 months for Citibank to make any kind of decision and to process a refinance request where the existing loan is with Citibank, and now the forced placed insurance by Citibank is unacceptable by Citibank that I am paying for. 
Dealing with Citibank is a NIGHTMARE.
Product: Checking or savings account

My father had a personal checking account at Fifth Third Bank in Michigan and had passed away on XXXX. I have filed the proper probate paperwork ( Order of Assignment ) in Michigan and have certified copies of both the death certificate and order of assignment. I have contacted Fifth Third Bank at the branch I was instructed to based on where he had opened his account which is XXXX XXXX XXXX XXXX I have gotten the run around from them since XXXX and was even told I could reach out to " any branch '' to get this done and have essentially been ignored. I live in the state of Colorado and Fifth Third Bank is not in our state ( or even close ) so I am trying to get this taken care of from a distance. I even went up the chain to Corporate and the " Probate " contact and seem to be getting nowhere. There has to be a way to facilitate this long distance, but no one seems willing to figure it out. I have sent in copies of the documentation to XXXX branches to get the ball rolling, to no avail. What are the next steps I can do? They essentially have been holding the funds that I am lawfully entitled to and those funds are needed.
Product: Checking or savings account

I believe Penfed is specifically targeting me because of a previous unrelated complaint filed before the CFPB and XXXX regarding their misconduct in the past. Even if they're not, they are failing to abide by their own policies and failing to treat all members equally as required by XXXX law. 

When I went to open a checking account I provided both my Social Security XXXX and a REAL ID certified State issued ID which is both photographic and provides my address. 

Strangely, Penfed requested a third document, which I complied with. First they wanted " a picture of my phone bill '', which I sent, and which did not satisfy them because it was not in PDF format. I then sent an excerpt from the bill in PDF format, which they rejected because it did not show my address. I explained that they already have my address verified via my license which is how I am able to have a savings account with them and that Straight Talk does not show addresses on their statements. 

Penfed replied that I would need to send a utility bill in XXXX and PDF format which showed my address, so I looked on their website for the acceptable document categories and obliged by sending a PDF XXXX copy of my internet bill which shows my address. 

Penfed responded that an internet bill isn't acceptable for address verification, which is highly irregular because their website clearly conveys that an internet bill is specifically XXXX of the accepted documents for address verification. This is something I explained to the representative, to which they became confused and essentially went " nuh-uh. '' I shall include a screenshot of the website clearly stating that an internet bill is an acceptable document for these purposes. Again this is a member owned institution that has my ID, my social security card, my phone bill and my internet bill, but it is constantly erecting XXXX XXXX blocks and playing stupid instead of behaving professionally and appropriately.
Product: Debt collection

The credit Card was issued by XXXX, Account Number Ending In : ( XXXX ) in the Balance of {$3700.00}, and the account was sold to Midland Credit, with the help of XXXX the account was negotiated and settled on XX/XX/2021, in the total of {$1800.00}. 

Midland Credit shows this amount under collection in my credit report, I tried to resolve this issue but unfortunately getting no where,
Product: Credit reporting, credit repair services, 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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 a 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 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 card

REGIONAL KILLER XXXX XXXX  REPEATED  INDUCE FRAUD AND CRIMINAL USE OF XXXX XXXX XXXX XXXX XXXX) AND XXXX XXXX  FOR HIS DEADLY AND UNREGULATED FINANCIAL ASSASSINATION XXXX  VIA INCOME XXXX  AND ORGANIZED FRAUD IDENTITY THEFT  IN XXXX XXXX, OVER XXXX  YEARS,   GOOD STANDING  XXXX  AND XXXX  CHECKING ACCOUNTS,  FOR ADDITIONAL XXXX  THEFT OF PENSION MONEY AND FOR  HIS XXXX  TRAFFICKING PRECURSOR  FINANCIAL XXXX CRIMES FOR EASY XXXX  TRAFFICKING PREY CREATION.  PLEASE SEE HIS ATTACHED  XXXX  INDUCED FRAUD AND IDENTITY THEFT CRIMES VIA A SPELL CASTING DEFECTIVE PAYROLL PENSION TITLE CURSE CREATING A XXXX OVERDRAFT  IN MY OVER XXXX  YEAR, NEVER HAD OVERDRAFT,  GOOD STANDING CHECKING ACCOUNT.  XXXX  TRAFFICKER XXXX XXXX ADDITIONALLY,  USED A XXXX GHOST TO  CRIMINALLY TRANSFER A XXXX UNAUTHORIZED OVERDRAFT FROM MY AFCU CHECKING ACCOUNT TO XXXX WITH AN ENDING  BALANCE OF XXXX  , UNDER A WITCHCRAFT PHENOMENON.  AFTER CREATING THE XXXX UNAUTHORIZED OVERDRAFT,  IT WAS LAWLESSLY PLACED IN , XXXX  AND  THE XXXX WAS MISSING FROM THE XXXX  BALANCE.  THEREAFTER, THE XXXX  UNAUTHORIZED OVERDATED XXXX WAS CRIMINALLY PLACED IN A XXXX XXXXT RESCINDED/CLOSED ACCOUNT, AS WITCHCRAFT, CRIMINALLY ATTEMPTING TO USURP POWER OVER MY NOTICE OF RESCISSION SENT TO XXXX XXXX SYNCHRONY BANK, EFFECTIVE XXXX XXXX XXXX, DUE TO REGIONAL  KILLER AND XXXX XXXX UNWARRANTED AND MALICIOUS INDUCED XXXX., POSTED AT: XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 XXXX : XXXX Account Number : XXXX has violated my rights. 


UNAUTHORIZED INQUIRIES : XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  BANK XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX BANK XX/XX/2022 XXXX CARD XX/XX/2022 XXXX CARD XX/XX/2022 has violated my rights. 


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 a 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 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

On XX/XX/2023, I received an unauthorized credit inquiry by XXXX  a registered trademark of XXXX XXXX XXXX XXXX XXXX XXXX, without permission and without notifying me before authorizing the inquiry via phone as instructed nor did they perform their due diligence before gaining entrance to my credit report. 

*** Attachment 2 is regarding the second complaint about Calvary Portfolio, Identity Theft collection of misrepresented information. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Credit card

Non specific dates large interest applied to account would not tell me how to avoid interest or dates did not give me a time frame to pay to avoid interest
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by XXXX and the XXXX XXXX XXXX and may have gotten into the wrong hands.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX XXXX XXXX According to my records, a late payment was reported for my account number XXXX in XX/XX/year>. This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. 

Therefore, I request that you immediately remove the reference to the XX/XX/year> late payment from my credit report. I further request that you notify the credit bureaus ( XXXX and TransUnion ) of the removal of this incorrect information. 

Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. 

I appreciate your prompt attention to this matter. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I been previous disputing with Experian and XXXX  the following account XXXX XXXX  XXXX, XXXX XXXX and XXXX XXXX. These accounts have been paid in full and are old to be part on my credit report. Every time I dispute the account I receive an email or letter that the accounts was previous dispute but the don't fix the inaccurate information form my personal credit report.
Product: Mortgage

I had a mortgage with Bank of America back in 2012. My loan was modified by Bank of America however there was a clause that I would take on an additional XXXX dollars. Bank of America added on XXXX XXXX onto my principal balance and for no specific reason except that they could at the time. They told me If I wanted a modification on my loan I had to take on an additional XXXX dollars. They are acting with fraudulent behavior to charge me for something I never received. I would like this amount credited to my existing loan, since it was a interest only loan. I was paying them interest on top of the additional XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 3 months I have been trying to get Experian and XXXX to report the correct information about my mortgage with XXXX XXXX XXXX, my account is not closed have never been closed I have been paying my mortgage every month since 2010, I contacted my mortgage company XXXX and they sated they are reporting that my account is open, I have disputed this information 5 times with Experian and XXXX and they refused to correct the information stated that its verified as closed am not sure how they are verifying this information when I pay my mortgage every month and the mortgage company is saying that is not what they are reporting, please help am at my wits end and very frustrated.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of the below account inquires for credit are fraudulent. I am a fraud victim and have multiple warnings and safeguards but Im still experiencing breaches since XXXX. 
US SM BUS ADMIN ODA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online BK OF AMER Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 


Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Real Estate on behalf of XXXX XXXX XXXX  XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Real Estate. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX/XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Credit Granting. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online BK OF AMER Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Nordstrom Card Services is in direct violation of the Fair Credit Reporting Act [ 15 U.S.C 6802 ( a ) ] Except as otherwise provided in this subchapter, afinancial institutionmay not, directly or through anyaffiliate, disclose to anonaffiliated third partyanynonpublic personal information, unless suchfinancial institutionprovides or has provided to theconsumera notice that complies withsection 6803 of this title. ( b ) theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( c ) theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option, by reporting negative information without notification and consent of consumer.

Nordstrom Card Services failed to inform Principal that it would be reporting principals personal non public information to a third party, and failed to get principals permissible purpose. 15 U.S.C 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report. 
Nordstrom reported transactions and experiences to XXXX without permissible purpose and or authorization from principal.