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

I opened a business checking account with Bank of America around mid XXXX as a secondary business banking option, since it was not my mine account their was minimal traffic on the account until my business outgrew my local situation. early XXXX I found a company that XXXX XXXX XXXX XXXX, early XXXX we made our 1st large sale of XXXX units at {$87.00} per unit. 
the initial deposit was paid out to my business via a 3rd part POS system and the remainder was wired to my BofA account on XX/XX/XXXX .... 
XX/XX/XXXX I was locked out of my account, my funds were never released and I was left with a XXXX tab with my vendor do to this situation and when I went into the XXXX Minnesota branch of Bank of America the branch manager made a slick comment " He doesn't look like eh type to warrant these types of payment '' .... 
XXXX this I am still fight to recover my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting me 120 days past due on the XXXX - partial account number XXXX ( located on page 5 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. I have contacted the three bureaus to get this incorrect reporting fixed. It is impossible to be 120 days late on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd time submitting a complaint please help me!!!!

I will be taking this to court and suing the credit bureau Ive been disputing these fraudulent accounts with XXXX, equifax, XXXX for a whole year i want to sue them at this point because theyre the reason i cant get a house or car someone fraudulently open these accounts under my info Ive filed police repost and identify theft report and they have yet to remove these XXXX i will sue!!! Please help me i am a victim of fraud this is illegal to still be reporting inaccurate information they are discriminating me because Im a XXXX! I will not tolerate discrimination Fraudulent Accounts below! 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I realized that from the recent reported data breaches that my information is out there and accounts were openeed without my knowledge. I want those accounts to be removed from my credit report. 

I feel like I've been harassed by these companies to make payments on accounts that were not opened by me.
Product: Debt collection

I attended XXXX University Online campus and I withdrew from their program but they signed me up for class that I did not know I was registered for. I received a bill for XXXX and I called them to resolve it and they said that I owed the money. Now the Account is with Ability Recovery Services and has since been included in my chapterXXXX bankruptcy. This account is listed under derogatory accounts from ARS collection agency and I want it removed immediately from my file with all three credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2017 Court : US Bankruptcy Court XXXX CA XXXX # XXXX was reported to a Credit Reporting Agency without my knowledge or permission. I have requested for this information to be removed for several years now with no resolution.

In accordance with the Fair Credit Reporting Act my rights were violated.

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 it also states a Consumer Reporting Agency can not furnish an account without my written instructions.
Product: Debt collection

I am following up on a previous dispute. That concluded today. After I got all the information to validate this account, I called Portfolio Recovery Associates at and spoke with a representative name XXXX if I recall correctly. She was extremely rude. I called to ask her what were my options for a pay for deletion. She told me that she could not collect on this debt by accepting payment from me. She rudely continued to ask me about if I disputed my account and why did I say it was n't mine. I tried to calmly explain to her that I had sent a complaint via the CFPB but that had been resolved as of XXXX/XXXX/XXXX. She could n't even hear me because she was so busy talking over me. 
This is a formal complaint of how rude Portfolio Recovery Associates are and there unwillingness to take my payment. Her words where she could not accept payment from me. Since all calls are recorded and monitored, I am sure that you can listen to the calls and validate that the information I am providing is accurate and correct. 

If you need to contact me the best way is via XXXXXXXXXXXX
Product: Money transfer, virtual currency, or money service

XX/XX/scrub> 2024... I sent XXXX dollars to my son through cash app. My son refunded the XXXX dollars back to my account cash app deposited the XXXX dollars and then took it back out of my account. I've sent messages through the app asking them to explain they told me it would be deposited in 3 days but it has been 3 weeks almost and kept saying the bank took it but I kept telling them it's not pending.. They told me to dispute it with my bank I went into my bank where he pulled up my account and showed me cash app deposited the money and then took it out. The bank manager and I both called cash app spoke with someone and explained that we were looking at the transaction and asked if they wanted proof. The cash app assistant said yes email it to me. I then emailed him the bank statement showing proof that they took my money he kept us on hold for 45 minutes. Once he return he stated I see where we refund the money you need to dispute it with your bank. I asked how do you guys get away with just stealing people money.. I filed the dispute with my bank but the bank said because it was a third party that they couldn't refund the money. So I'm just supposed to let someone keep my XXXX dollars.. Please help me I'm sure I'm not the only person this has happened to.
Product: Debt collection

There is a suspicious charge amounting on my account for {$1900.00}, opened 3 months ago on my credit for XXXX, I don't have an account with them and have not in over 15 years.
Product: Credit card

XXXX XXXX XXXXXXXX XXXX offers 5 % cashback offers every quarter. In XXXX, 2024, XXXX is said to be one of the categories eligible for 5 % cashback. Recently, I have made two purchases via XXXX, which have not received the 5 % cashback that is advertised as an eligible XXXX category. Namely, purchases made on XX/XX/XXXX, with XXXX XXXX and on XX/XX/XXXX, with XXXX XXXX, both paid with via XXXX have not received the 5 % cashback rewards.
Product: Student loan

I have contacted XXXX XXXX XXXX the lender that has my loan through my university about late reporting they have done on my credit. In XXXX I contacted the company and they advised that I had a late payment I needed to make. I made the payment and specifically asked the rep numerous times if it would be reported as late. He advised that it would not. My goal of the call was to bring any outstanding payments current including my XXXX payment which was also due. I also set up a payment arrangement because I want to buy a house next year and I wanted to ensure that no late payments would be made ever again. The rep set it up for XX/XX/XXXX knowing that this would make my XXXX payment late as well! I was not aware of this until the derogatory mark hit my credit. I happened to call UAS Accounting when I found out and even changed my payment date to the XXXX because I never wanted the payment to be late in the first place! If I was setting up payments in order to avoid being late why would the representative advise me incorrectly????? I have asked the company to pull the calls and listen to the representative and my conversation and they will not do so. I have also contacted XXXX  but UAS Accounting is refusing to help me. I am asking that this company remove these negative marks from my credit as this was an error in their representatives communication to me that has caused all of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

NEW RES-SHELLPOINT MTG Account XXXX Deleted This item was removed from your credit report. Please review your report for the details. 

The Credit Report Agency did not Deleted after the Bank send Deleted From file as you see thank you.
Product: Debt collection

XXXX XXXX XXXX and their Attorneys Rausch and Sturm have repeatedly been supplied with the attached reports repeatedly. They have ignored them and continue to threaten me both via the US Postal Service and by phone. They have repeatedly lied to both the CFPB and state officials. It has to stop. 

These identity theft and police reports apply to all identity theft debt INCLUDING the three XXXX  XXXX  that XXXX XXXX XXXX and Rasuch and Sturm have tried to collect on : XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have established linked accounts to transfer funds between my other bank to XXXX by Goldman Sachs Bank. I have been transferring small amounts of money in and out without any problems. When I tried to transfer a larger amount, my account was frozen. I called the customer 's service on XX/XX/year>, and was told I answered my previous address information incorrectly. They were sending an Affidavit of Identity for me to fill out and get notarized. After not receiving it for over a week, called them again and was told that it takes XXXX days. It's now been XXXX  days and still have not received it. I XXXX online and found many similar complaints and was able to print out a copy of the Affidavit from the website. No clear instructions as to where to send the affidavit. Address on the form ( XXXX  ) and from website ( XXXX XXXX XXXX XXXX ) are different.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

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

I HAVE BEEN A VICTIM OF IDENTITY THEFT. I DOWNLOADED A SOFTWARE YEARS AGO TO MY COMPANY THAT ENDED UP HAVING A VIRUS ATTACHED TO IT THAT ENDED UP CLEARING EVERYTHING FROM MY COMPUTER AFTER STEALING ALL OF MY PERSONAL INFORMATION FROM ME. I HARDLY CHECK MY CREDIT BUT I TOOK A LOOK AT MY CREDIT REPORT RECENTLY AND NOTICED THERE IS A TON OF FRAUDULENT INFORMATION ON MY FILE THAT NEEDS TO BE REMOVED/BLOCKED WITHIN THE NEXT 4 DAYS. 


FRAUDULENT ACCOUNTS : XXXX XXXX Account number : XXXX FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX  XXXX FL XXXX FRAUDULENT NAMES : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hello my name is XXXX XXXX i have been contacting a company that shows up on my credit report as Financial credit Network inc.this company claims that i had a gas bill of some sort in XXXX with XXXX XXXX gas company i called XXXX XXXX gas to inquer about this account they had no knowledge of account they said to contact colection agency collection agency claims date if first delinquncy isXXXX original balance due was $ XXXX then it states that date of last payment wasXXXX well i have told them many times to please show me proof of this payment i NEVER made a payment to them because # 1 i never had any knowledge of this account i have never had a gas stove in my life # 2i never was contacted by anuy one regarding this to make a payment they refuse to tell  me how payment was made or show me original account address 1 day i had a lady accidently tell me then she realized i guess she was not supposed to tell me of some address on XXXX XXXX on XXXX XXXX i have never lived on that street in XXXX XXXX.they claim balance is zero they tell me to just wait it will come off my report well i do n't want to wait because its not my account please please i beg you to help me in this matter all i have is a partial acct # XXXX please help me to remove this thank you i have gotten no where i would never just bother you guys i have spent weeks and weeks trying to resolve this they seem to think because my balance is showing zero its ok and its not affecting me whether it is or not is not the point its not mine i dont believe its fair that its on my report i work very hard and pay my bills on time as i always have i have no other negative accounts nor have i ever why would i not pat a XXXX dollar gas bill i have spent more in stamps disputing it then then the actual bill please you guys are my last resort please help me and send me results to my reporting credit agency there is only1 reporting this XXXX thats it thats all my email is XXXXXXXXXXXX
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # /ref # 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. 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 items 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

Violated 15 U.S. Code 1681
Product: Credit card or prepaid card

I made a purchase of a seat upgrade at XXXX XXXXXXXX on XX/XX/2023, which posted XX/XX/2023. Per the terms and conditions, this purchase is covered by an annual Airline Incidental Credit offered by the Bank of America Premium Elite Credit Card. This charge was not credited by the automatic system, despite meeting all of the requirements of the terms and conditions. 

When I called the number on the back of the card, I was advised that the BoA personnel had no access to these credits and made a number of incorrect claims about the credit - that it had something to do with XXXX XXXXXXXX ( confusing this product with the co-branded XXXX XXXXXXXX card ), that there is some submission process for these charges with the travel/concierge team ( there is not ). 

I asked for the call to be escalated because BoA 's failure to appropriately credit their advertised benefits is an Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ). The manager was similarly unable to access any part of the system related to this benefit. 

The manager referred me to the travel/rewards team, who was unable to access anything to do with these credits. That team then transferred me to the benefits team, who also knew nothing about these credits. That person then referred me back to the main BoA credit card phoneline, where I had started.
Product: Credit reporting or other personal consumer reports

I have recently review my credit report and noticed that several discrepancies are reporting. My personal information and various addresses that do not belong to me. A citi card inquiry made in XX/XX/XXXX, a XXXX XXXX XX/XX/XXXX. and XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX These XXXX ILLEGAL ACCOUNTS STILL HAVE NOT BEEN REMOVED OFF MY REPORT. I BEEN FIGHTING THIS SINCE THE BEGINNGING OF THIS YEAR WHEN I NOTICED THIS. CAN YOU REMOVE THESE ILLEGAL ITEMS OFF MY EXPERIAN ACCOUNT. THESE ARE FRAUDULENT ACCOUNTS ARE THEY ARE ATTEMPTING TO OBTAIN MORE FRAUDULENT ACCOUNTS IN MY NAME!!!!! I HAVE PLACED A SECURITY FREEZE ON MY EXPERIAN REPORT BUT THIS IS THE SAME THING THAT HAPPENED TO ME WITH THESE LAST XXXX ACCOUNTS YEARS AGO! THEY WERE OPENED AND OBTAINED ILLEGALLY IN MY NAME. THE ONYL THING I HAVE BEEN ADDING TO MY CREDPIT REPORT IS NOTHING BUT POSITIVE INFORMATION. CAN YOU GUYS PLEASE HELP ME AND REMOVE THESE ITEMS! 

XXXX XXXX XXXX  XXXX {$150.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX {$57.00} DATE OPENED XX/XX/XXXX XXXXXXXX XXXX XXXX {$13.00} DATE OPENED XXXX, XXXX, XXXX XXXX Inquiry date XX/XX/XXXX Status Unlocked XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Status Unlocked XXXX XXXX Inquiry date XX/XX/XXXX Status Unlocked XXXX XXXX XXXX Inquiry date XX/XX/XXXX Status Unlocked XXXX XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX Status Unlocked PLEASE REMOVE THESE ABOVE ILLEGAL CHARGE OFF ACCOUNTS THAT WERE OPENED AT THE SAME TIME AND IM LOCKING ALL MY REPORTS TO STOP THIS FROM HAPPENING AGAIN. IM TRYING TO FIX MY CREDIT SCORE PLEASE REMOVE THESE ACCOUNTS OFF MY REPORT!!!!
Product: Debt collection

am writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal repercussions. 

I demand the following collections entries to be deleted : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Outsource Receivable Management disclosed my information to a third party on XX/XX/2020. They left a message on the third party phone that they were a debt collector trying to reach me. When the third party called them they released my name, the amount of the debt, what the debt was from, and the interest rate. The third party told them that they can not release this information and the manager said send me proof, are you going to pay this today or not.
Product: Credit reporting or other personal consumer reports

After reporting XXXX to the CFPB, my credit score was reduced XXXX points to " Unfavorable '' for no reason. I have paid off a loan and reduced the amount of another loan, yet my score dropped to unfavorable. The other statistics on the report haven't changed so there is no reason for my score to have dropped so low.
Product: Credit reporting or other personal consumer reports

I called them on XX/XX/XXXX as well as wrote them a letter on XX/XX/XXXX about some names wrong as well as my work not correct. I was told that they would correct it but still have not done so.
Product: Mortgage

When I was presented with my loan estimate, I was told that Gateway would service my loan. In under a year, it has already been sold off. This would normally not be a huge issue. However, I am a property tax exempt XXXX Veteran. The amount of back and forth I had to go through with Gateway was absurd. Now, the new lender is now fighting me on the exception as well. This will now incorrectly raise my monthly payment by almost {$300.00} per month, until this is resolved.
Product: Credit reporting

Delinquencies which occurred XX/XX/XXXX and XX/XX/XXXX have been re-aged, and are being illegally reported well past the Statute of Limitations for reporting negative credit information. I contacted TransUnion in writing ( proof of mailing and delivery receipt attached ) on XX/XX/XXXX, and again on XX/XX/XXXX regarding an accusation of re-aging a total of XXXX accounts from former student loan debts ( now paid in full as of XX/XX/XXXX ). On both occasions, I requested copies of my Consumer Disclosure files to obtain concrete evidence that my debts had been re-aged and were being reported illegally. 
Both requests for the documented payment history in my Consumer Disclosure files have been ignored, and the accounts erroneously " updated '' without any written proof of verfication whatsoever. A total of forty-one ( 41 ) missed payments are being illegally and improperly reported as of this date, XX/XX/XXXX. This has hurt my ability to obtain credit, and I continue to suffer damages as a result of this illegal activity by TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I mailed a letter requesting an investigation about inaccurate accounts listed on my credit report. It has been two months and I still haven't received results of an investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX   located in California is reported on all   XXXX    of my major bureau credit reports as a closed unpaid account ... I have disputed this amount with them and have requested on numerous occasions that they send a validation of the debt and why they feel I owe that amount. The most recent call was on   XXXX   XXXX   at   XXXX   in which proper proof of this amount was not provided instead I was negotiated at a different price then listed on my credit and they would remove the account completely from my credit. I found this very strange and when I asked for paper work and proof I was told it would be emailed to me. I never received the email I called 4 days later and was told someone would call me back. I am requesting they either send proof of why they feel I owe this or request they remove it as it is hurting my credit and I am trying very hard to rebuild it.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attatched XXXX 1099-C ( Account ( XXXX ) XXXX ) CANCELLATION OF DEBT ( Closed XX/XX/XXXX ) credit limit {$15000.00} CANCELED DEBT {$9600.00}. See attatched XXXX  Credit Report " VERIFIED '' by XXXX. XXXX FRAUDULENTLY CHANGED ACCOUNT NUMBER TO Account. ( XXXX ) XXXX Reported Sold Reported Date Closed XX/XX/XXXX Kindly Note credit Limit {$15000.00}. XXXX REPORTS INFORMATION CHANGING ACCOUNT NUMBERS??? Kindly Note THIS ( ACCOUNT IS ( XXXX ) XXXX ) credit limit {$3000.00} Opened XX/XX/XXXX?? How did the Cancelled Debt Account become a new Fraudulent Account to charge off?? DECEPTIVE UNFAIR FRAUDULENT CREDIT REPORTING