23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I opened a zero annual fee XXXX XXXX Rewards card with Bank of America in XXXX of XXXX. 

On XX/XX/XXXX, I found that I have been incorrectly charged a {$39.00} annual fee every year since opening the card. 

I have spent a lot of time and effort on the phone with several Bank of America employees and supervisors trying to get the {$310.00} I have incorrectly paid in fees over the years refunded, but each attempt has been unsuccessful. 

In addition, I was told on my several calls that the BOA XXXX XXXX card only became 0 fee on XX/XX/XXXX XXXX a lie ) and that I would be refunded XXXX of the annual fees I've paid ( confirmed by supervisor XXXX to be a lie ).
Product: Student loan

My Mother gave me {$10000.00} ( via check ) to apply to my student loan. This almost paid it off ; left a balance of approx. {$5000.00}. One day I got a revised statement saying the re-capitalized my interest and my balance went up by {$5000.00}! 
I called and asked what happened. The person on the phone told me that the calculation was correct and there was nothing I could argue about. I told him I dont't think they applied my payment is the most advantageous manner, and that the way the applied it and then kept silent was incorrect. I was told that they system didn't make mistakes. 
I asked for a complete recap of all my payments and to see how all payments were applied to principal and interest. I got the run around and was told they could not furnish me the information without a legal request and a fee. 
I believe I have been defrauded by the way they applied my one big payment, and subsequent monthly payments based on how the big payment was applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this XXXX complaint myself. This item is reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

You replied that the alleged transactions that you identified as late is verfied. The following accounts are : XXXX XXXX : Account # XXXXXXXX XXXX : Account # XXXXXXXX XXXX : Account # XXXX XXXX : Account # XXXX You have no proof that this alleged transaction was late. 15 U.S.

Code 1666b -Timing of payments ( a ) Time to make payments. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date. 2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. Your reply to my dispute is Verified, have you verified what the requirements are for a creditor to treat a payment as late? The fact that you verified the information means that you are in possession of the information that was sent or mailed 21 Days before the statement date, and you are in possession of a copy of all information from 15 USC 1637 ( b ) and the Certified mail tracking number that proved the delivery of said information for you to verify this item as late! I am requesting a copy of the information pursuant 15 USC 1637 ( b ) and the tracking number that was used to prove delivery of said information to me the consumer 21 days before my statement date regarding this account. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of Inaccurate or Unverifiable Information. ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Mortgage

Caliber Home Loans communicated on XX/XX/XXXX they will now be charging customers a {$3.00} transactional charge for any one-time payment ( reoccurring payments and mail-in are exempt ) starting XX/XX/XXXX. To be clear, this is charging someone for wishing to pay their loan on-time through " normal '' re-payment means ( online payments ). Further, it penalizes those who wish to make additional principal payments through the year. This is a anti-consumer fee, and is making one-time principle payments more difficult. 

I don't believe this is violating any existing rules, but I am submitting this complaint with the hope rules will be crafted to restrict mortgage companies from charging fees to customers who are simply trying to pay their mortgage.
Product: Payday loan, title loan, or personal loan

XXXX the manager of the XXXX branch of Local Finance LLC, contacted me last week on XX/XX/2019 about my payment - which is late. I informed her that I have had a change of jobs & financial situation & I would be unable to make a payment until XX/XX/2019. Today, XX/XX/2019, XXXX called my office ; after I specifically asked her not too ; and proceeded to tell a co-worker that I was behind on my loan, how much I owed and shes considering filing legal against me. After that call, she contacted my husband, threatened him with legal action, he ISN'T on my loan & asked him if he liked the police at his home because they would be here tonight with arrest warrant for me unless he paid my account up to date. I called the office & spoke with her, asking why she contacted my place of employment & husband telling my financial info & threatening me. She proceeded to start screaming she was taking me to court, she knew where I lived and would be at my home tonight, she was bringing the police with her & I hung up on her.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per HIPPA an individual 's personal information is just that, private, personal and isn't supposed to be just handed out freely to anyone without patient consent whether it's health related or financial. I personally haven't given Anyone permission to share anything about my medical history, medical financial info, medical procedures, codes, or anything else medical. This kind of information should Not be shared with Anyone that isn't directly relevant medically. All credit bureaus should have to reject this type information sent to them! HIPPA was put in place for a reason! Patients have the right to keep any and all information regarding medical information, financial strictly private!!
Product: Debt collection

threaten to put lien on property assets and garnish wages harassment XXXX times daily threats made daily calling other people
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  XXXX account # 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

Was checking free credit report and there is an address from XXXX that I never lived at. I have been living at current address since XXXX
Product: Mortgage

We have submitted several fax asking for 1098 account payment history for XX/XX/XXXX-XX/XX/XXXXand XXXX. We believe e payments were not posted properly and taxes overcharged without refunding credit on taxes. One year misapplied payment towards principal of over 7000 causing us to default n modified. Than again same practice. Of misapplying payment in XXXX causing us to modify again. They stated they advance XXXX in escrow yet we cant see it. Our records show we overpaid escrow with this suppose advancement in excess of over 8000 dollars. The 1098 forms showing payment history would prove this but they will not send it,
Product: Money transfer, virtual currency, or money service

An accidental transaction occured with company XXXX where I have tried to work with them, but are completely unresponsive in this matter. 

An accidental booking occured on XXXX XXXX for XXXX. Which was for a booking on XX/XX/XXXX. I advised them this was an accident and I could not afford this charge. I spoke to the host of the listing, who was willing to refund me afteXXXX XXXX noted the cancellation. I cancelled on XX/XX/XXXX. However XXXX  never did note cancellation and every call I made to XXXX had " promised '' a call back I never received. 

As I do not have these funds. My bank denied the charge. However Paypal is constantly trying to withdraw this money where XXXX  has advised a " delivered service ''. This is not true, as it was cancelled before delivery. Where they refuse to cancel the charge. 

Paypal has closed my cases without my input.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Checking or savings account

I have a few charges on my acct that I didnt approve. However the bank told me that they were accurate and they are going to deny my claim.
Product: Credit card or prepaid card

I have never opened that account it is fraud and i report it and they do nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX XXXX  are reporting erroneous and unsubstantiated information on my credit report. Each time I request a removal or an explanation from the source providing this information ; I get the generic response from Equifax and XXXX XXXX " This information meets the FCRA ''. They do not provide documentation which supports these erroneous entries on my credit report. I have contacted the courts as well as the IRS who have stated that they do not report or verify any information to the credit reporting agencies and they do not have any such information in their systems to support these reporting on my credit report. I have requested that Equifax and XXXX XXXX  provide me with the source in order for me to address this matter with them directly. Equifax after several attempts to retrieve this information, finally stated that XXXX XXXX was the source. I contacted XXXX XXXX who has provided documentation which states that the information could not be verified and would be removed from their data base. I sent this information to Equifax and XXXX XXXX last year and they still refuse to remove this very damaging and inaccurate information from my credit file. I am attaching the correspondence and communications to and from Equifax and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have noticed the following inaccuracies on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, DEPT ED XXXX, XXXX XXXX, DEPT EXXXX, DEPT ED 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 XXXXXXXX I also want to address the charge-offs listed on my report. According to applicable laws, once a charge-off is declared, it can not legally be sold to a collection agency. Therefore, I request that any charge-offs be adjusted to reflect a XXXX balance. 

Furthermore, under the doctrine of estoppel by silence, as referenced in XXXX XXXX XXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items due to the ongoing litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX claims that these accounts can not be closed by chapter XXXX bankruptcy alone. They indeed were not. In the year of 2020 adversary proceedings took place. XXXX as well as all lenders that XXXX lists as supposed lenders were given 90 days to respond to the Federal Bankruptcy Court District of Minnesota, with documentation proving that the lenders were original owners of said debt. XXXX as well as all listed lenders never responded in any manner to prove their ownership within that 90 day period. Because of this the judge dismissed and discharged all future debt collection from any lenders listed as well as XXXX the servicer to these lenders. As of XX/XX/2020, XXXX court orders were mailed to XXXX over 30 times. In this process XXXX, EQUIFAX and XXXX were also made aware with multiple disputes. These documents were presented to the 3 multiple times as well through those disputes. According to the Fair Credit reporting Act, the 3 are legally obligated to correctly report information on my credit report. And at this point they continue to report false information even AFTER receiving the court orders.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Public Record - XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Mortgage

In 2016 I was forced to file for Chapter XXXX Bankruptcy protection to prevent foreclosure on my home. The foreclosure proceedings resulted from repeated errors in recording payments and applying escrow payments by the loan servicer. BSI Financial Services, the successor to XXXX, has been the loan servicer throughout the Chapter XXXX case. During the Chapter XXXX proceedings BSI continued to make errors in applying escrow payments. After two Qualified Written Requests and countless phone calls to BSI, BSI has never responded or taken any action to correct their errors. Most recently they send a Notice of Payment Change for an alleged shortage in the Escrow. In fact, BSI is holding funds that exceed all payments due from Escrow over the next 12 months. 
BSI is the servicer for XXXX XXXX XXXX XXXX, which is controlled by XXXX XXXX. XXXX trades in underperforming loans and profits from foreclosing on properties that are valued at more than the mortgage balance. My home is valued at 2.5 times the current mortgage balance.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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: Debt collection

XXXX XXXX has put out a blanket statement in the media from XXXX about not using 3rd party collectors to collect past due medical bills and has also wiped out hundreds of thousands of past due medical bills owed to XXXX  for excessive collections and lawsuits well I am being collected after through BullCity Financial Solutions for XXXX from a XX/XX/2021 date from the medical provider XXXX I feel this should be immediately deleted from my credit file and sent back to XXXX  for me to work out a payment solution with the provider or accept charity or other financial help which is stated in the media release by XXXX. I have contacted the ombudsmen and await a response but I was not giving any notice to this bill being overdue or given a chance to form a payment process it just went straight to collections when there own website billing practices says otherwise.
Product: Credit reporting or other personal consumer reports

Please remove hard inquiries XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX United Collection Bureau , Inc . 
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, OH XXXX Via U.S.P.S. Certified Mail/Return Receipt # XXXX Re Alleged Original Creditor : United Collection Bureau , Inc . 
Alleged Original Creditor Account number : XXXX XXXX XXXX XXXX Debt collectors Name : XXXX XXXX XXXX XXXX , XXXX . 
Debt collectors account number :XXXX Alleged Debt Amount or Balance : {$680.00} Current Creditor : United Collection Bureau , Inc .

Dear United Collection Bureau , Inc . 

I recently received communication from you to collect the above-listed alleged debt. 
Your initial communication to me in attempt to collect he alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your request to XXXX to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related Information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter Over to an attorney. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Enclosure CC : Consumer Financial Protection Bureau via XXXX and or email @ XXXX
Product: Credit reporting or other personal consumer reports

I am sending to formally dispute an account that appears on my credit report, which I believe is the result of identity theft. The account in question is listed, with the following details : XXXX XXXX Balance : {$0.00} I have no knowledge of this account, and I am certain that it does not belong to me. I believe it is the result of identity theft, and as such, I am requesting that the account be removed from my credit report. 
I have attached my FTC Identity Theft Affidavit, which outlines the fraudulent activity and details the accounts that were opened in my name without my consent. 
I request the following : 1. Immediate Removal of the XXXX XXXX account and any other fraudulent accounts from my credit report. 
2. Removal of any other information reported from my FTC Identity Theft Affidavit ( including addresses, accounts, and other details ) that do not belong to me.

3. Confirmation of the removal of these accounts from my credit file, along with an updated copy of my credit report showing the corrections.
Product: Credit reporting or other personal consumer reports

I applied for a mortgage application on XX/XX/2024 and had my credit pulled. On a mortgage application it is required to pull credit from all 3 agencies : Equifax, XXXX and XXXX. I DID NOT GIVE CONSENT TO SELL MY INFORMATION and My mortgage broker did not sell my information but the credit agencies did! EQUIFAX, XXXX, XXXX. How is it legal for them to do sell my information without my consent? How can other lenders/broker BUY LEADS from you without gettting the consent from the Mortgage Broker that I hired to represent me?! 

I received 40 phone calls in 1 day from other lenders and mortgage brokers offering their services and although i appreciate the opportunity to shop around for the best loan product for my situation, If I choose to shop around that is my choice and should be under my control. I do not want nor did I approve selling my contact information to these other lenders and brokers! I continued to get at least 20 calls and text messages every day for a week. 

Please help protect consumers with this illegal activity. Thank you!
Product: Bank account or service

A hold was placed on my savings account so I was unable to transfer money into it. I called the customer service number and was told I have to contact a banker in Colorado to receive any kind of information regarding why I was unable to access my money. The next day I found the same hold on my checking account as well, and was told the hold on my savings account had been in place since XX/XX/2015. This is absolutely untrue as I 've processed transactions using this savings account frequently over the past year. I now have no access to my money. I have tried calling the number provided to me and no one answers the phone. I am attempting to open a new checking account at a new bank because of the service I 've received at my current bank. However, to verify my current account the new bank needs to submit two 'trial deposits ' into that account. The new institution is unable to process these transactions due to these holds, the nature of which no one seems to have any information on. Now this is preventing me from being able to open a new bank account. I can not access my money for reasons that have yet to be explained to me, and I can not move my money to a new institution because my current institution froze my accounts and did n't feel it necessary to inform me.