23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Bank of America has charged a couple of fee charges to my account in the past month. 
1. A {$12.00} fee was charged as maintenance to my checkings account on XXXX/XXXX/17. I 've never seen such a charge on my account before. 

2. A {$35.00} overdraft fee charged to my checkings account a month ago. I 've linked my savings account to my checkings account for OD protection.Besides I have two other accounts including joint checking and business account with them with enough balance at all times. 

I would like them to remove both these fees from my account. My family and I have given them enough business and we notice the more accounts we open they more they charge us with such fees.
Product: Credit card or prepaid card

I have a US BANK RELIACRD MY CARD HAS BEEN DEACTIVATED ON XX/XX/20. I contacted Customer service then and was advised to take a copy of my driver license and fax it to XXXX. Which I completed three times since then and still my card Im not reactivated. Please I have money there and I need to pay my mortgage.
Product: Debt collection

My wife had XXXX XX/XX/XXXX. After the XXXX no bills from XXXX XXXX were sent to us. Summer of XXXX we received a collections notice from Revco Solutions to which we immediately called. Between Revco and XXXX health it was determined that the wrong insurance was charged. I provided everyone with the correct health insuarance and now months later I get another notice from Revco Solutions. I literally just got off the phone with them XX/XX/XXXX @ XXXX explaining this. The were not willing to help but this time told me I could pay and take it up with my insurance. 
My primary health insurance has not changed since XX/XX/XXXX. Our secondary is XXXX since XX/XX/XXXX
Product: Debt collection

The debt was paid to the original creditor. Proof of payment is attached.
Product: Credit card or prepaid card

XXXX XXXX I recieved a text grin American Express Serve that an unauthorized charged was trying to go thru, I stopped it ... went to use my card said I exceeded my limit at the grocery store. Have not been able to use my card since and can not get a live person on the phone at American Express Serve. It keeps saying they're " experiencing unusually long wait times '' I've called and called all times of day and night ... wait on hold XXXX min for the call to be dropped.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I received a request for a money wire via Zelle on XXXX XXXX  platform, in the amount of {$67000.00}. After reviewing the request, I recognized it as a potential scam and decided to deny the transaction. I contacted XXXX customer support team for clarification, but I have not received any further assistance or a satisfactory resolution. This situation has been concerning, and I am requesting a prompt investigation. Please let me know if additional information is needed.
Product: Mortgage

On or about  XXXX   XXXX ,  XXXX , I applied for a new conventional mortgage loan as a first-time home buyer through Citi-Mortgage and was assigned a new application number  XXXX . On  XXXX   XXXX ,  XXXX , after obtaining and reviewing my credit history and income,  Citi-Mortgage  notified me that I was " Credit & Income Approved. '' This notification was followed by a formal    Credit & Income Approval letter as well as the Pre-Approval letter. I was advised however that this approval was " good for 120 days. '' See Attachment A.      On  XXXX   XXXX ,  XXXX , I requested an updated pre-approval letter. On  XXXX   XXXX ,  XXXX , another representative at Citi-Mortgage was assigned and provided another application file number  XXXX , and stated as follows : " The 120 day period for your original pre-approval has expired. I can update this no problem, but I would need your permission to re-pull your credit report. Please let me know if that is OK. If so, please let me know if there has been any changes to the following : Current addres s Employer Income Asset b alances I can update your file and send the pre-approval letter to you tonight. '' After providing permission to pull the credit report and disclosing information about my race,  color, sex , marital status and age, on  XXXX   XXXX ,  XXXX , the representative stated, " I do see student loan debt on the report we pulled back in  XXXX  but it did not inhibit your approval. If it is in error, we can remove it from calculations regarding debt to income ratios but I can not do anything about having it removed from your credit report. '' See Attachment B.     Therefore when the conventional mortgage loan was given both credit and income approval in  XXXX   XXXX , the student loan that was appearing in the credit report then " did not inhibit '' my approval. However, on  XXXX   XXXX ,  XXXX , the pre-approval for the conventional mortgage loan under application file number  XXXX  was denied on the sole basis of my rac e, color, sex, marital status a nd age. See Attachment C.     There were no change in circumstances between the approval on  XXXX   XXXX ,  XXXX  and the subsequent adverse action on  XXXX   XXXX ,  XXXX . Therefore, the only basis for the adverse action was based on a discriminatory purpose such as race,  color, sex , marital status and age, in direct violation of the Equal Credit Opportunity A ct ( " ECOA  '' ).
Product: Credit reporting, credit repair services, or other personal consumer reports

These days my credit score was dropped almost 30. 
I didn't know until last XXXX. 
When I checked my credit report with Experian, I found there's are 4 hard inquiries.

under my name. I guess 3 of these inquiries were declined.

But 1 requires was allowed. ( XXXX  XXXX ) I don't have any reason to apply for a new credit card. 
. 
I called to XXXX, XXXX XXXX, XXXX XXXX XXXX. and XXXX and XXXX  XXXX fixed this ID theft. 
I attached these hard inquiries and a written letter from XXXX. 
I told XXXX XXXX by phone, they fixed this ASAP. 
In the case of XXXX  XXXX, I called tons of times but still, I haven't any chance to report this. 
Please fix it ASAP. Because of these wired situations, XXXX, XXXX, XXXX decrease my available credit limit almost {$13000.00}. 
Thanks.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX High Credit : {$410.00} {$410.00} {$0.00} Last ReportedXXXX XX/XX/XXXX XX/XX/XXXX Date Last Active:XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX none of these credit bureaus are matching DEPT OF ED/XXXX need to be removed only XXXX is reporting XXXX XXXX XXXX XXXX Monthly Payment : {$0.00} XXXX {$1800.00} Last Reported : XX/XX/XXXX n/a XX/XX/XXXX Date Last Active : XX/XX/XXXX n/a XX/XX/XXXX XXXX XXXX XXXX XXXX Account Status : Closed Paid n/a shows paid on XXXX, closed on XXXX, XXXX not reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX, and TransUnion are required to authenticate this account It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$1000.00}
Product: Mortgage

I am a real estate agent in XXXX XXXX, AL. Within the past month, I have been informed by my prospective buyer clients that Navy Federal Credit Union ( mortgage division ) provides borrowers with favorable mortgage terms based on using specific real estate brokers in the transaction. Unfortunately I am not in a position to disclose my client details but I am sending this in hopes that the matter could be looked into and that there is nothing illegal or inappropriate with these borrower incentives. I have been told by XXXX unrelated buyers that the mortgage company is paying funds toward buyer closing cost if the buyer/borrower uses one of their preferred realtors. Thank you for considering this notice and feel free to reach out if you have any questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, R ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$980.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX BANK ) XXXX Balance : {$4200.00} XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit History with XXXX and Experian have been noted with inaccurate information which both companies after hours of communication and attorney letters refuse to correct and fail to protect the US consumer as all parties have either closed the debt complaint and or agreed it was fraudulent charges made by stolen information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Report and noticed that I had inaccurate information on my report which includes balance, last activity date, verification dates, and payment history. Consumer reporting agencies have assumed a vital role and have a responsibility to report Consumer information correctly to the best of there ability with maximum accuracy. Please investigate and provide accurate information/status of my account. If proof can't be provided. I demand that this account ( XXXX, Acct- XXXX ) be deleted due to inaccurate information on activities, balance, and payment status across all three bureaus. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

With respect to CFPB complaints XXXX and XXXX In the complaints dated XX/XX/2019, the following hard inquiries were disputed with TransUnion and XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CT XXXX XXXX XXXX XXXX Cr XXXX XXXX, MD XXXX XXXX, PA XXXX XXXX   XXXX XXXX XXXX XXXX, UT, XXXX In light of the fact that the complaint were filled XX/XX/2019 and to this date a response has not been reported with the CFPB, I hereby request that all the items identified in the complaints be immediately deleted in accordance with FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score has yoyo 's from low 500 to upper 700 's without cause in XXXX and XXXX thus far. I have made on time payments for past XXXX years on all debts and bills. I have paid off in full several lines of credit/loans. My income has increased steadily in this same period of time, my debts have been paid, or paid off, and initially saw my score climbing as one would expect. Then without cause or notice it plummeted back down to XXXX  and low 600 and has stayed there in spite of flawless financial performance and decreases in debt, and increases in income. I attempted to find out why this occurred and received no responses. In the span of last 12 months, my credit score has yoyo 'd by almost 200 points, IN this same period, my wifes score, has steadily risen and remained high as one would expect given our efforts in bill payment and payoff of loans.. She has no income other than our shared income, nor debt other than our shared debts. I think I am being confused with someone else financial performance and inappropriately scored, which has a significant impact on my personal finances.
Product: Checking or savings account

On XX/XX/XXXX, my account balance was over $ 4k. On the same day, my husband 's paycheck, which is normally received via direct deposit, was delivered as a live check by XXXX at XXXX, due to payroll processing issues on the part of his employer. The BBVA branches were closed, so we deposited the check via the mobile deposit app. The bank put a three day hold on the check and after calling to request the hold be lifted, they denied the request. This was a payroll check and by law they can not hold the funds.
Product: Debt collection

This complaint is towards 3 companies for the same reason. 
In 2021, I was XXXX for a XXXX XXXX  treatment program for severe XXXX XXXX After speaking with my insurance company, XXXX XXXX XXXX ( XXXX  ), the original billing office at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) submitted bills using the wrong billing codes so all of the bills were not paid on-time. XXXX spoke with them about the issue and never received resolution. The outstanding balance was {$3400.00}, but XXXX has told me it's been paid. 
Since XXXX did not report the billing correctly to my insurance carrier ( XXXX ), the bill was never paid, which I was not aware of and I was sent to collections for the balance. 
I spoke with the collection 's agency, Arbor Professional Solutions in regard to this and explained the situation to them, but they were unwilling to help. 
They in return submitted the past due amount to an Attorney XXXXXXXX XXXX  XXXX who have now taken me to court, and I have a judgement against me for {$3400.00}. 
None of this was my fault and now this has ruined my credit because its being reported to all 3 credit bureaus, I have an unjust judgement against me and most importantly XXXX has shared with Arbor Professional Solutions and XXXXXXXX XXXX XXXX XXXX. all of my private personal information such as Doctors I've seen, my diagnosis, dates of services and procedures that I have received from this hospital treatment. I know my rights and they have violated the HIPAA Laws by releasing my Protected Health Information ( PHI ) to the collection agency and Attorney office. This private information is not allowed to be shared with anyone without my consent.
Product: Money transfer, virtual currency, or money service

In XX/XX/scrub>XXXX XXXX, I had SCRA benefits applied to my car loan account with Regional Acceptance Corporation resulting in my then current account being paid in full. I was also issued a refund from those benefits being applied and the account being paid in full in the amount of {$4000.00}. I was told that it could take up to 30 days before I received my check. Thirty plus days pass and I havent received my check yet. I reach out to XXXX around late XXXX to see what the status of receiving my check was and they were under the impression that it had been sent out but still put a stop on the first check and reissued me another one. The representative informed me that it could take up to 21 business days for reissuing. It is no late XXXX and I still havent received my refund check from XXXX which now has sparked an investigation with their legal department. The representative I spoke with in late XXXX took my information and assured me that I would hear back from them by close of business that day. I received a phone call later that day with unfortunate news. I was informed that on XX/XX/year>, my check was cashed by a name whom we couldnt confirm due to the legibility and it was discovered to have been at a chase bank according to the transaction number on the copy of the stolen check that was provided to me by XXXX. XXXX lets me know that at that point, there was nothing else they could do for me being that the check was cashed and that I would need to make a fraud claim with XXXX. I did as instructed only to run into a dead end with XXXX telling me that I couldnt make the fraud claim because it wasnt my account that the check was cashed to and I needed reach back out to XXXX and let them know that they had to be the one to make the fraud claim. I relayed the message back to XXXX and they reiterated that there was nothing they could do on their end being that the check was cashed and basically it became my problem from there. I have no received my check as of XXXX and neither XXXX nor XXXX is willing to help me or look further into the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. Regardless of the multiple written requests, the accounts listed below are still reporting on Transunion in violation of Federal Law. Transunion failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX XXXX, XXXX XXXX, XXXX OF XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX CARD XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Debt collection

In Accordance with the fair credit reporting act XXXX and National credit system 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 an account without my written instructions.

15 U.S.C 1692 c ( c ) ( C ) CEASING COMMUNICATIONIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with theconsumer, the debt collector shall not communicate further with the consumer with respect to such debt, except 1. to advise the consumer that the debt collector 's further efforts are being terminated ;
Product: Credit reporting or other personal consumer reports

Evaluating my credit report, it can be clear that the following accounts appear with no regard for accuracy as required by the Fair Credit Reporting Act. This is the second time I am reaching out to address these errors, and it is disheartening to see that my initial concerns have not been adequately addressed. Upon reviewing my credit report, I have identified incorrect late payment entries that require immediate rectification. The following accounts have been incorrectly reported with late payments : XXXX XXXX Account numberXXXX  Date opened : XX/XX/2021 It is imperative that you take prompt action to rectify these errors and remove the inaccurate late payment information from my credit report.
Product: Debt collection

Today, I had an opened letter in my mailbox asking for a change of address for service purposes. It was not in an envelope. It was wide open for anyone to see my personal business. I have already responded to this attorney regarding this debt, and I find this tactic ignoring my right to privacy and protecting my personal information.
Product: Mortgage

On XX/XX/XXXX and XX/XX/ I made a partial payment of {$500.00} & {$500.00} towards my mortgage. It was applied to my escrow account versus my regular mortage payment. I received a letter in XX/XX/XXXX stating that my mortgage payment was 30 days late and would effect my credit score. I immediately called and tried to speak to someone to clear up the error. I was Not 30 days late it was just on the wrong account. This has had a major impact on my credit and I have not been late prior to this incident. Im contacting you to reverse the 30 day late on my credit report due to it being misplaced to my escrow account. It has been corrected and applied to the right account, but its stll effecting my credit.
Product: Mortgage

This is my second complaint against New American Funding. After the first one they said they would not try to have someone change the locks on the home I am selling but on XXXX day they sent someone to put a vacant notice on the door and threaten again to do it. They did this on the 24 only leaving 3 days to respond. Which again I am monitoring and taking care of the home so I got the notice today. I had taken the home off market for a week to then put it back on after some changes. The day before it goes back on they do this. It is impacting my ability to sell the home and causing undue duress on this whole process. The company they are using is XXXX XXXX whose company profile/reviews are not stellar. This I believe is an attempt to extort more money from me while I sell the home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian dropped my FICO Score from XXXX to XXXX supposedly on some kind of " late payment '' After trying to get information through their terrible website, there is no such account listed under my name or SSN on their " report '' In addition, Experian does not allow for me to get any copy of anything regarding my credit report by downloading a file copy.

I don't need to print 18 YEARS of my credit history - just a data file copy trying to find 1 ACCOUNT PAYMENT - supposedly Please help me if you can and please support sweeping new Federal regulation and legislation to hold these people accountable. 

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

This complaint is about inaccurate reporting that I have disputed on several occasions and it hasn't been resolved. 

The company has been reporting the Date of last activity incorrect on my credit report. Its been over 60 days and no still hasn't resolved this issue which to my concern that it should be corrected or deleted. 

This complaint is for TransUnion. I gave this company so many chances and now I want to seek damages for financial injury. 

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I demand {$1000.00} per violation on my credit report OR delete the negative account and any other inaccurate negative information on my credit profile.