23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The account was opened on XX/XX/XXXX. I believe account was closed on XX/XX/XXXX. I got a derogatory mark on my credit report ( XXXX, XXXX, and XXXX ) stating that I had 120+ days late payments and that I owed a balance. I called the company immediately after noticing the derogatory marks when running my annual credit report. I had not received any prior notice for this debt. After speaking with the collection company I was told the letters were being sent to my old address. I paid the amount due in full and asked if I could have the item removed from my report. I would like that this derogatory mark is removed from all 3 credit bureaus. 

The balance is also incorrect and shows a high balance of {$1200.00} when the max on the card was {$1000.00}.
Product: Credit card or prepaid card

Im writing this letter to file an official complaint against Bank of America, N.A.. Between XX/XX/XXXX and XX/XX/XXXX, I received XXXX separate letters from Bank of America, stating that they decided to close my accounts because my risk profile no longer aligns with the banks risk tolerance, unsatisfactory performance on personal card service account, or simply no reason was given. Bank of America did not give any grace period for me to properly transition to other banks, especially for the credit cards. It caused a catastrophic interruption of my personal life and my business. Even worse, they forfeited the rewards on those credit cards immediately without any grace period or assistance for redemption. I have been primarily using Bank of America credit cards for personal and business shopping, and have accumulated a total of $ {$100000.00} in cash-back rewards and XXXX points in travel rewards points ( estimated worth of {$17000.00} ) across multiple accounts over the last decade. These are now all taken away without an explanation. My access to the redemption portal is simply shut down because there are no valid accounts associated. Ironically, I can still access my credit card accounts and check my balances and pay them off. Obviously Bank of America still hold me responsible for the debt, but does not want to be liable for his debt owed. 

I have been banking with Bank of America for the last XXXX  years ever since I was a student in Michigan. During these XXXX XXXXears, I have grown up to be a proud husband, father, and a successful businessmen. I have devoted majority of my financial assets and banking business, including personal and business checking accounts, savings, credit cards and loan accounts, to Bank of America. I deposited over a XXXX US Dollars combined oftentimes in Bank of America checking and savings accounts, far over the FDIC insurance limit, because my family and I trusted Bank of America so much. Now we feel like Bank of America betrayed us, and caused countless harms both financially and psychologically. 

It has to be emphasized that I have never been involved in anything illegal or immoral. My personal and business accounts have been in good standing all the time, and credit card balances are regularly paid off every month. If I had ever made any mistake, itd be that I gave too much business to Bank of America that they started thinking I earned too much rewards probably. I might not be the most profitable customer to them, but thats not a crime or violation of account terms. Simply closing my account without any grace period for rewards redemption is an unacceptable abuse of power. 

Im happy for people living in the State of New York because in XXXX their senate passed a bill ( XXXX ) that restricted such unfair abuses and allowed credit card holders whose accounts are closed or modified to redeem rewards during a mandatory XXXXday grace period. The only question is, why is Bank of America still allowed to do so in other states if we all know its unfair? Why can Bank of America take away my $ XXXX but still want me to pay his $ XXXX?
Product: Checking or savings account

I had a bank account with Wells Fargo about a year ago Ill open up the account XXXX   XXXX  friendly one of my account and try to take {$100.00} out of my account I noticed when I was at work Ill call Wells Fargo let them know that it was a fraudulent transaction they denied my claim and I told him I want to close that account because Im not using that account anymore I have a new account I accident on todays date the XXXX to close the account again any constantly keep giving me problems by closing the account
Product: Credit reporting or other personal consumer reports

I've been trying to get my life back on track after being laid off from work due to my company closing after covid. This lay off hit me hard because I was also dealing with health issue, was in and out of the hospital, and was not able to get right back to work. I would like to get myself back on track so that I can move forward in life with my health and my credit score. And I know that these negative reporting are not helping and are a defamation of my character. 

In accordance with the Fair Credit and Reporting Act my creditors are violating my rights under 15 USC 1681A ( section 604 A Section 2 ) which states I have the right to privacy. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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.
Product: Debt collection

I XXXX XXXX hereby attaches a settlement offer from XXXX XXXX XXXX XXXX pertaining to an account with XXXX XXXX. I am not disputing if I had an account with XXXX XXXX. However, the issue I have is that this collection agency never forwarded a copy of transfer rights from XXXX XXXX to XXXX XXXX XXXX that they had been given the right to collect on a debt. The Federal Trade Commission has won millions from collection agencies in the past for improper procedures on the collection of debts. There is also a recent federal class action lawsuit against Alltran for serious Fair Debt Collection Practices Act violations. Accordingly, I wish to not join any class action. I will pay {$1000.00} to settle the referenced XXXX collection, and request that my name be cleared from all pertinent credit reporting agencies. XXXX XXXX XXXX knows the collection process, and stating that they have been referred on a collection does not comply with FDCPA guidelines. XXXX XXXX XXXX can send to my email address the acceptance of {$1000.00} payable within 10 business days by certified check, and the agreement to purge my file completely and delete from credit reporting agencies, or I will join the current class action.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report on XXXX I saw some hard inquiries that did not have permissible purpose, I also attached evidence XXXX XXXX XXXX XXXX. This has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XX/XX/XXXX ; This has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XX/XX/XXXX ; This has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XX/XX/XXXX XXXX This has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XX/XX/XXXX ; This has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit card or prepaid card

Approximately XXXX of this year ( 2019 ) I submitted a claim concerning unexplained withdrawals, in which case I was granted a refund. It was supposed to be put on a new " XXXX XXXX '' card. They placed the money on the previous card, in which I lost or misplaced ( {$430.00} ). I requested a new card and was instructed to fax my drivers license along with proof of address. ( They sent the letter to my current address stating my refund. I have yet to receive it.
Product: Mortgage

My wife and I re-financed our 1st mortgage and home equity loan with PNC Bank, NA back in XX/XX/XXXX. PNC Bank had sent our one of their 3rd party appraisers to our home. The appraisal came in much too low and they indicated that we could go and get another independent appraisals done on our own. We did just that. Our licensed appraiser came in at {$55000.00} higher than the PNC Bank appraiser. PNC Bank will not accept our appraisal or at least meet us half way between both appraisals, thus we had to take out additional funds onto our home equity loan which in turn interest rate and the amount that we had to place on the HELOC. A recent home in the area just sold for almost exactly what our home appraiser indicated exactly what the price in the area would be. I am disputing the PNC appraisal and would like PNC Bank, NA to accept our appraisal and re-adjust the HELOC so that the funds go back onto the 1st mortgage and the lock in interest rate we have with them and lower the interest rate back to the original HELOC interest rate that we original had before we had to re-fi the HELOC. Both are at 3.5 % interest rate. We has sent numerous letter, e-mails and telephone calls to PNC Bank but they will not do anything about it. Appears to be unethical business practices on the part of XXXX XXXX XXXX XXXX. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft someone got my information and opened up lot of accounts in my name without my knowing. XXXX XXXX account ending XXXX, XXXX account ending XXXX, XXXX 's account ending XXXX, XXXX  XXXX account ending XXXX, XXXX  XXXX account ending XXXX, XXXX account ending XXXX I'm not responsible to this
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written letters in the past and currently to Experian Consumer Credit reprting agency asking them to remove any and all Public record information from my credit file, that includes bankruptcy information, and they refuse to do so. Their results always come back as updated.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX : {$2800.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$980.00} XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXXXX/XX/2023
Product: Checking or savings account

in a day like this transitions of XXXX cents and they charged me XXXX dollars for each one I closed my account due to them and they transferred me to ah collection my card was without credit
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements. 



XXXX. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action. 



I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Utah XXXX. 

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

I am writing to dispute the following inquiries and accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any these unauthorized inquiries as well. 
XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$12000.00} XXXX XXXXXXXX Balance {$3600.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting inaccurate information on my credit report
Product: Credit reporting or other personal consumer reports

Following 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.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : - Creditor Name : XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX. Date of inquiry XX/XX/XXXX. 
- Creditor Name : XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX. Date of inquiry XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX Date of inquiry XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX Date of inquiry XX/XX/XXXX.
Product: Checking or savings account

Effective XX/XX/2021 you will no longer be able to write checks from any Bank of America savings account. How can you not write a free check from your own money as a customer but instead oijoin their On-Line Banking sysytem for a monthly fee of {$25.00}? It appears to be a scam to me to make money off it's customers. It should be investigated.
Product: Money transfer, virtual currency, or money service

On 2017 i sent money via zelle to a wrong number. I call my bank to let them know what happen but all they said was they cant do anything about it because i had already sent it in the amount of {$780.00} i ask my bank to help me which was Bank of America. They said there's nothing they can do.
Product: Credit card or prepaid card

Capital One responded to my complaint # XXXX with the CFPB by stating that I was not " guaranteed '' an increase in credit line by manually applying. The conversations are recorded and I would challenge Capital One to produce that phone call because it can clearly be interpreted the way I am stating. They also state that someone explained the credit steps program, this is also a flat out lie. It was only explained after I asked for a Manager, then I gladly accepted it after he could actually do his job and explain his companies policies. I will not be called a liar by Capital One, if they have the conversations recorded which they do then they need to be heard by a third party. Obviously Capital One likes to interpret them as they see fit. I would like this reported to the SEC and FDIC.
Product: Credit reporting or other personal consumer reports

My complaint is very similar to a lot of complaints already filled against XXXX. These Accounts alongside these personal address are not authorized by me as the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Oppity Fin XXXX Has been paid in full " please Update 'XXXX XXXX XXXX XXXX XXXX Has been paid in full " please Update '' see Attachments. 



I am not asking for a XXXX  report. If XXXX does not have documentation to show these were in fact authorized it must be removed asap. Said company is liable under the SEC to follow certain rules. Every consumer reporting agency shall maintain reasonable procedures ' designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title.

15 U.S.C 1681 ( a ) ( 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. 

Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

thank you!
Product: Credit card

I closed a credit card from Chase Bank. The credit card is sponsored by Southwest Airlines and I had received a different credit, from Chase, for Southwest Airlines. 
When I went online at the Chase website, I noticed I had been charged a yearly fee for the card I had canceled. I also noticed a listing for another card, sponsored by XXXX XXXX, which I had canceled some months ago. 

When I called Chase the representative claimed no record of my closing the Southwest account but were willing to close it now and reverse the yearly fee charge. The representative told me the XXXX card had been closed but, even though there is no balance on either card, there is no way to remove them from my account listings. 

My suspicion is this is a similar program to the recently revealed XXXX XXXX program. 

Please investigate this as this my be a very big scam by which Chase collects XXXX dollars worth of fees without the consumer, in many cases, being aware. 

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

XXXX is reporting XXXXXXXX XXXX for XXXX on my report and this account is not mine. They are violating FCRA guidelines which ive sent to them to adhere to. 

FCRA 15 USC 1681 602 AND 604 I DID NOT GIVE PERMISSION TO OPEN AND FURNISH THIS ACCOUNT ON MY REPORT AND THEY ARE ALSO VIOLATING MY RIGHTS TO PRIVACY AS WELL
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX satisfied mortgager XXXX XXXX. Second mortgager cross country mortgage started payments ; XXXX of {$670.00}. XXXX XXXX raised payment {$880.00} XXXX raise payment again {$1300.00} received letter of notification documents regards to modification on XX/XX/XXXX spoke to XXXX XXXX XX/XX/XXXX she told me to save the monies and assured me that it will be resolved soon. Phone number ( XXXX ) XXXX. 
Since that time I have been getting the runaround with this company in reference to this mortgage modification. 
XX/XX/XXXX spoke with XXXX account still pending she suggested I save the monies until the account is up to date time XXXX XXXX Tuesday XXXX XXXX made an XXXX appointment with XXXX XXXX XXXX XXXX housing counselor , submitted all documents required. Our next meeting was XXXX XXXX at XXXX a call was made to cross country mortgage by XXXX XXXX spoke to a representative and they said they could not email me current payment schedule, only could give verbal payment schedule. This is what I have as XXXX XXXX. 
Payment Past Due {$8100.00} Your payment is greater than XXXX  days past due.

Make Payment Principal & Interest XXXX XXXX XXXX Attention : Your account is not eligible to make payments. Please call us at XXXX for assistance. 
Loan Details Loan Number : # XXXX Maturity Date : XXXX/XXXX/XXXX Interest Rate : 6.25 % UNPAID PRINCIPAL {$68000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fax XXXX XXXX Wednesday I've been trying to rectify the situation since XXXX XXXX XXXX 
I'm a XXXX senior citizen which is on XXXX for XXXX  years trying to stay in her home of XXXX  years this is a frustrating situation and I am truly upset with the unprofessionalism with this company representatives. I need help rectifying this situation I can be reached at XXXX my address is XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX. Documents can be included but have to send separately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my final attempt to have this account removed from EVERY CONSUMER REPORTING AGENCY INCLUDING XXXX, TRANSUNION, and XXXX. All consumer reporting agencies have tarnished my name and have kept me from obtaining credit. They have ruined my reputation and character. They have violated the FCRA and many other Act as well. This is the last attempt before I seek litigation.

12 CFR 1022.1 Regulation V ( a ) Purpose. The purpose of this part is to implement the Fair Credit Reporting Act ( FCRA ). This part generally applies to persons that obtain and use information about consumers to determine the consumer 's eligibility for products, services, or employment, share such information among affiliates, and furnish information to consumer reporting agencies. 

XXXXXXXX XXXX XXXX XXXX is reporting to consumer reporting agencies inaccurate information about an alleged account. I have sent in numerous billing error notices to XXXX XXXX XXXX  XXXX according to CFR 1026 regulation Z Billing Error. 
I have asked XXXX XXXX XXXX XXXXXXXX to verify and validate the debt they alleged I owe, and I requested that the ORIGINAL CREDITOR be identified according to 12 CFR 1006 Regulation f The Fair Debt Collection Practice Act XXXX XXXX  # XXXX has failed to validate the debt therefore should delete all unverified information from my account ASAP. XXXXXXXX XXXX  # XXXX should delete all account information they share with XXXX, TransUnion, XXXX, and any other Consumer Reporting Agency. I did not consent to have my information shared with anyone or company. 

Since XXXX XXXX  # XXXX has failed to prove that I owe an alleged debt according to 15 U.S.C. 1681c-2 ( c ) all consumer reporting agencies should block of information resulting from identity theft. 

I didnt consent nor benefit from XXXX XXXX XXXX  XXXX. If I received goods or services, please have a senior executive certify under penalty and perjury that I received goods or services under this transaction.