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

Hello! My name is XXXX XXXX I am a customer with bank of america and have a complaint already filed with your agency however new development occurred the bank retaliated against me after I notified your agency of their mishandling of XXXX transaction a online transfer not performed by me or anyone on account the BOA system has had alot of glitches and unauthorized transfers with other customers their is currently a class action lawsuit in California with BOA and XXXX for this issue. All BOA says it was a scam and fraud and have mistreated me in the processXXXX  has stated same thing and refuses to refund the money to account They tell me account is frozen it holds XXXX in their denying me access to my account blocked user log in and pass words treating me as a criminal this alone is defamatory in nature. My account should not be closed or frozen. XXXX was notified and they say its bank of america not them.XXXX is responsible for performing a unauthorized transaction I never used XXXX or created accounts with them. I keep getting a run around I message BOA on XXXX  and they keep saying a specialist assigned to the claim will contact me noone does. This is unethical slanderous and defamatory to my character. How can a bank operate like this. I tried every attempt to fix my bank account and restore in good standing the bank refuses to work with me instead of going after XXXX and the scammer they targeted me the victim and deny me access to my account. My account number is XXXX also the XXXX XXXX XXXX XXXX XXXX XXXX unauthorized to a person shown on the transaction XXXX.. I never performed this transaction me or anyone on account has never used XXXX in all our years with bank of america.another issue is their XXXX XXXX is malfunctioning I've taken screen shots it keeps send in notifications of you may have been charged more than once for same transaction and it shows 2 same transactions this causes claims to be disputed. It's a mess .. please assist me with straightening this matter and reaching a resolution with boa.. NONE OF US PERFORMED ANY XXXX TRANSACTION! NONE OF US COLLECTED ANY FUNDS FROM XXXX!!! XXXX is XXXX percen liable for this and boa is as well for allowing XXXX  access to accounts. I am now a victim of retaliation for contacting you about XXXX and bank of america Thank you i can be reached at XXXX XXXX XXXX
Product: Debt collection

I lived in an old duplex that I moved out of. I moved out and did not request for my deposit back because I did not want to go through litigation and had a lot other major life changes going on in my life. Almost 9 months later I check my credit and see that a collection agency has reported that I owe {$3900.00} in connection with that previous landlord. I did not get notification that this was in process. I always paid my rent and if things got broken and I took fault for it I would pay this landlord for the repair or replacement as needed. I just wanted things to run smoothly between us. This is majorly affecting me financially in a very negative way. I did not know this process was even initiated until I checked my credit and it was already on my credit report.
Product: Debt collection

I first got notification that I had a collection account with Transworld Systems ( TSI ) when it popped up on XXXX XXXX. Prior to that notification I had NO communication at all from the collection company. I have had the same phone number for 15+ years so that couldn't have been their hold up on not calling like all collection agencies do. 
I had also not gotten any word from XXXX ( the original creditor ) that there was a balance due. This account was closed when I was forced to move out of my home in the middle of the COVID pandemic- and was unaware that there was a balance due. 
As soon as I saw the ding on my credit from the agency I tried to call and get the debt cleared up and handled. I called every day for two weeks with no answer from them and kept getting busy signals or the notice that the number could not be completed as dialed. Strange.

Once I was finally able to get ahold of someone there at TSI, they did not want to help me. They would not set up a payment, validate the amount, or tell me why the amount of the collection goes up by {$2.00} every week. I have called multiple times and every time I try to set up payment they hang up on me. I don't know how I am supposed to get this collection off my credit if they won't work with me on it or take the payment? 
Very unprofessional and there are some interesting tactics going on here to ensure that they keep these accounts.
Product: Credit card

I have been paying my balance monthly until I have only a balance due of {$210.00}. However on XX/XX/year>, Best Buy credit card charged an interest of {$480.00} and brought my balance due to {$660.00} and I have no idea where this interest charge on a balance of {$210.00} is. I received no information from the credit card from this abusive interest charge practice.
Product: Credit card or prepaid card

I applied for a credit card with Bank of America on XX/XX/22 Application ID # XXXX. Shortly after applying, I received a letter from Bank of America stating that they needed more information to process my application and to call the number listed in the letter. When I called, the representative stated that he just needed to verify that I was the person who applied for the card because I had a fraud alert on my report. I verified that it was me and he processed my application. I asked him if I would know if I was approved or not once he was done and he told me that I would. Once he was done, he stated that I had been approved for a {$5000.00} limit on the Bank of America XXXX XXXX card and that the card would arrive in 7-10 business days. About a week or so later, I received another letter from Bank of America in the mail that was identical to the first letter. So I called the number again but this time the representative was unable to find my application in the system so I was transferred to the credit department where the representative there now told me that my application had been denied after I was previously verbally told by a Bank of America Representative on a recorded line that I was approved and what my limit was. Pursuant to 15 USC 1691, it is unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here are the items I am asking you to verify as accurate : Subject : Formal Dispute of Inaccuracies on My Credit Report I am writing to formally dispute several inaccuracies that I recently discovered upon reviewing my credit report. These discrepancies are significantly impacting my ability to access credit facilities. As per my understanding of your procedures, I request that you thoroughly investigate these items to ensure their accuracy. 

Below, I have listed the specific items that I am urging you to verify for accuracy : XXXX XXXX XXXX XXXX XXXX Applied Bank XXXX I appreciate your prompt attention to this matter and your commitment to maintaining the accuracy of credit reports. Please inform me of the results of your investigation once it is completed. 

I would like for the items to be investigated and corrected
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account number : XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Synchrony Bank for Lowes suddenly added security fees to my account. I never authorized this service. It is something you can sign up for through a lengthy process, which I never even attempted since the credit limit they gave me was fairly lowe when I opened it. They slowly raised my limit and then added this fee one day and I didnt notice until I was trying to figure out why my balance wasnt going down even though I was paying more than the mininum fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my credit report that I want to dispute but the credit bureau says it can not be disputed. I have the right to dispute any account on my credit report. My rights are being violated
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I disputed an alleged bankruptcy that is reporting on my Experian report. The agency did not make sure the information reporting was accurate according to federal law and my rights as a consumer have been violated. Attached is the document I received from Experian on XXXX XXXX, stating that the information is accurate. I never received any information regarding the status investigation prior to this date, nor was any information requested of me to verify which information is accurate and which is not. I have already found numerous inaccuracies regarding this item, such as the reference number used, and the knowledge of information Experian purchased from a third party without my consent for the agency to do so. Additionally, Experian also stated that the company has reported the information. Attached is a formal letter from the company, which Experian claims the company verified the information. Experian has caused me a great deal of stress regarding this issue. My privacy and my ability to be approved for credit have been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 1. XXXX XXXX XXXX XXXX  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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # xxxxxxxxxxxx XXXX, has violated my rights. 
XXXX XXXX # xxxxxxxxxxxx XXXX has violated my rights. 
XXXX # XXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint about XXXX credit reporting company. There is an account XXXX XXXX XXXX  that is still reporting on my credit report. This account was verified to be deleted off my reports. I keep receiving that the furnisher of this account has verified that it is mine. This account had fraudulent activity done on it a few years ago. This account does not belong reporting on my credit report
Product: Credit reporting or other personal consumer reports

Experian, My only existing name is : XXXX XXXX XXXX My only existing address is : XXXX XXXX XXXX XXXXXXXX. XXXX, MD XXXX Please remove all other names, name variants, phone numbers, addresses, shown on my credit profile and credit report as I have been a victim of identity fraud in the past.This address was used as attempted fraud back in XX/XX/2020. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have NEVER lived at this address and demand it be removed from my Experian credit report. I'm concerned they may make me susceptible to identity theft again, also I am entitled to 100 % accuracy under federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts has been disputed twice with TransUnion, XXXX and XXXX : 1 ) XXXX  XXXX XXXX # XXXX {$7300.00} XX/XX/XXXX 2 ) XXXX XXXX  XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX XXXX # XXXX {$1600.00} XX/XX/XXXX I called them several time and they claimed they haven't received the certified letters that was sent out to them with proof attached to them from FTC of a company or person misusing my social security number to open fraudulent accounts and who knows what else. they received the letters and its been over 30 days without no response or changes on my credit report, I would like to let you know that not only they are in violation of 15 usc 1681b ( 2 ) since I never authorize or gave consent to no one including them to report any information on my credit report. 15 usc 1681b ( 2 ) permissible purpose of consumer report, ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

not only that these companies are in default because its been over 30 days with no response from them but they continue to violate my consumer rights and the FCRA
Product: Money transfer, virtual currency, or money service

I was headed to pick up some food one night and after I did I started getting unauthorized charges on my card randomly that was from same place with just names a little different so every time I blocked it was altered a little and recharged
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$730.00} XXXX  XXXXXXXX XXXX XXXX Balance : {$6500.00} XXXX XXXXXXXX XXXX XXXX Balance : {$2600.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX  there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the FCRA, I request an investigation on the responsibility and the amount of this collection. Please discard this collection for FCRA violations because I do not think it is 100 % accurate
Product: Credit reporting or other personal consumer reports

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT RECOGNIZE THIS COMPANY nor the Original Creditor that's showing. I've disputed in both XXXX and XXXX and XXXX the account and it came back verified. I have requested method of verification on XX/XX/2018 and AGAIN in XXXX for this account of XXXX XXXX XXXX XXXX ( XXXX XXXX ) was told to contact the creditor. Based on FCRA 611 ( a ) ( 2 ) ( B ), I was supposed to receive all of the relevant information used in the investigation to " verify '' this as a valid debt/account belonging to me. I only received a notice telling me the account was verified and to contact the creditor. WHICH I HAVE and they have NOT been able to send me any valid documentation that they own or have right to any accounts belonging to me. If this is unresolved, I do plan to contact the XXXX XXXX XXXX and the FTC and FCRA about the false information that is remaining on my report without any validation or verification that it belongs to me. 

Experian mailed me a document stating the account was verified. I have requested METHOD OF VERIFICATION. Meaning what documented proof was given by the creditor to Experian that this account belongs to me. I have yet to receive any of this information other than a letter from Experian stating the creditor verified the account belongs to me. I need to see what and how this account was verified because I have not seen or received any PROOF of this from Experian or XXXX XXXX XXXX XXXX. XXXX and XXXX  have since removed this account due to the information being UNVERIFIED and I expect Experian to do the same.
Product: Student loan

When Navient bought my loans from XXXX XXXX, my interest rate more than doubled. They would n't work with me on monthly payments that had more than doubled when they took over my loans. I 've paid thousands in penalties and interest that I feel I should not have been forced to pay. 
My loans have been paid in full for almost a year. I still receive daily phone calls, multiple times a day, from their creditors threatening me unless I pay my balance. I have told them repeatedly that my loans were paid in full. They still call daily.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had an key bank account and was a victim of a person posing to be an employer. They mailed me a check and I put the check into my account and then they told me to send them the money in XXXX check cleared and then check turned out to be fake. I informed the bank I was scammed. The closed the account and charged it off as fraud. I since then have opened a XXXXXXXX XXXX  account and because the way this key bank account is reporting they have locked my account up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX   Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account from XXXX XXXX that is Fraudulent! I have requested that XXXX XXXX froward me a copy of the contract and Itemized statement. there is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. I am requesting a CREDIT BLOCK on my file from all 3 bureaus and including the supplemental credit reporting agencies. I would like to request a security freeze placed on my report and request a PIN Code. I choose to opt-out of your disclosing future information until further notice including inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply.
Product: Prepaid card

I bought a card XXXX ( has serial number XXXX ), expecting it to be XXXX XXXX. It wasn't, it was XXXX Bank, and it did not work as advertised. 

InComm sent me a/a few replacement card ( s ) but I still have not gotten access to my funds. Just give me my money back and the purchase fee.
Product: Credit card

XX/XX/XXXX, I made a credit card payment to BOA. Then, my bank kept calling saying I had a negative balance and it involved paying BOA. I asked if BOA was finally paid. They said yes. I called BOA and confirmed this. BOA said yes, they were paid. Then, I went into my bank around XX/XX/XXXX, when it was, again, confirmed that BOA was paid. Today, I tried to make my monthly payment, and BOA said I was overdue, and never made a payment. I told them I will not be paying them until this issue is resolved. Also, in the beginning of the month when this credit issue started, I called the police and told them something was wrong with my banking.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - XXXX - XXXX This account may be hurting your score Account Details Account Name XXXX XXXX XXXX XXXX Account Opened XXXX Account Status Derogatory Last Payment -- Balance {$6200.00} Limit -- Account Closed XXXX Mon Payment -- Worst Status Unknown XXXX  Individual Account Number XXXX Late Count -- Open Closed 30 60 90 Days Late -- Date Reported XXXX Account Type Installment Account Late Dates Has this on my credit report. They have failed to provide proof of this fraud since XXXX since I noticed it. They are frauding the amounts & dates to fraudulently keep on my credit report to gain funds. I've never been with XXXX. Even as those dates I've always had XXXX  & submitted documents and paid a credit repair to remove it. When I did XXXX changed the dates to recent from a XXXX. Alot of things are blanked out and don't make sense. When investigated they closed account and still showing only report. I called and asked for documents and they failed to provide any. None at all. This is not mine & they know it. I copied & pasted there report above showing what their doing. It's fraud that these businesses adds funds like XXXX and grants & webber whom has not provided documentation either but amounts keep changing and there's no supporting proof of these and are not mine