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

I received an email from BofA in XX/XX/XXXX that I would start being charged a monthly maintenance fee on my checking account ( ending in XXXX I believe? ). I contacted BofA and inquired about the fee since I have had the same two accounts for over 5 years with no fee. They referenced me to my Terms and Conditions that I signed when I opened the account. I asked for a copy of the terms and conditions they are referencing and they could n't provide XXXX. I asked them to close this account and transfer my balance to my savings account ( XXXX ). The rep at BofA that I spoke to said this account is n't subject to the account maintenance fee so I should keep this XXXX open. This is not my primary account so upon receiving an alert on XX/XX/XXXX that my account was overdrafted, I look to find that a Maintenance fee of {$14.00} was charged and is the fee that put me in a negative balance. This then caused other transactions to be declined causing overdraft fees and Extended overdraft fees. I called BofA in XX/XX/XXXX and the BofA rep said, " no, this account also has monthly maintenance fee 's, check your terms and conditions. '' She apologized for the previous rep statement about no fee 's but could not do anything. I am currently sitting at - {$180.00}, with SEVEN monthly maintenance fee 's being added to my account since my XX/XX/XXXX conversation. 

Please close my account ending in XXXX since I was told this included no monthly maintenance fee 's in XX/XX/XXXX by BofA. Please have the escalation department at BofA listen to the phone conversation for verification. None of the - {$180.00} are charges on my behalf, they are all invalid bank fees that were caused by miscommunication by BofA. Thank you
Product: Mortgage

We have been paying on time and come to find out we have over paid our escrow and should not have a pmi either. We have asked for a detailed report of our escrow and have not received it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX, Transunion and XXXX, credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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.

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

I received a phone call from XXXX XXXX XXXX on behalf of a company called Vellocity XXXX regarding an account from XXXX XXXX. I have never received any mail or certified mail of any attempts to collect any monies the company claims I owe them, a person from the agency advised me she was calling on their behalf because of my " debt '' as they claim I owe them is in pre-legal status and they wanted to see how would I want to proceed and resolve this before it goes to lawsuit. I questioned the debt collector and informed them I was not aware of any collection efforts by Velocity or anyone regarding this matter she informed me they could do a settlement of the debt for XXXX dollars I advised I for one did not have that kind of funds nor did have proof that It was my debt I was coerced into paying them XXXX USD for a potential settlement of XXXX USD I then did more research and found out this was a clear coercion tactic to get me to settle for something I was never notified nor was I able to request to validate. my rights were violated by velocity investments LLC
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( XXXX ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My ex husband for a Water filtration system that was posted on my credit as a mortgage. This was in XXXX. My husband and I divorced and I filed for bankruptcy and so did he. My BK has been discharged since XXXX, the account was included in the BK so was the house and these people have henderse me from being able to get a house and they refuse to drop this account. I have asked for a copy of the original contract and theyre still reporting me as late and that I owe. I want to press charges against this company, that have destroyed my credit illegally. The companies name is castle credit out of Florida. Its been 7 years, not only have they reached the statue of limitations, they have reported me late all these years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX Date XXXX Balance : {$2400.00}, XXXX XXXX Date XXXX Balance : {$9700.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX {$0.00}, XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX XXXX {$6700.00} XXXX XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$9100.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$6600.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$5800.00}, XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federal consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name Account # XXXXXXXX XXXX  XXXX DELETE XXXX Main XXXX DELETE XXXX XXXX XXXX  XXXX DELETE XXXX XXXX XXXXXXXX DELETE 15USC 1681 Section 602 A. I have the right to privacy.

15USC 1681 Section 6049 ( a ) section 2 A consumer can not furnish a account without my written consent.

15USC 1681C ( A ) ( 5 ) STATES no consumer reporting agency containing any of the followint items of any adverse information, other than record of convictions of crimes which antedates the report by more than 7 years.

15USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or have resonable cause to believe that the information is inaccurate.
Product: Mortgage

Received a phone call from XXXX XXXX a Mortgage Banker with Rocket Mortgage last week. He said he was going to see if they could get a lower interest rate on my existing mortgage. I said if they could get a lower rate, I may be interested. Today he called back and scheduled a follow-up call for Monday to discuss his findings. I asked what rates he came up with, and his proposed rates were higher than my current mortgage. I then looked at my Rocket Mortgage account and found he had started a new refinance and it had a status of " Working on Closing ''. The proposed refinance was for a longer term and at a higher interest rate. 

I have no idea of how he went from looking for a better interest rate to starting a new refinance at a HIGHER rate and for a longer term!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted CFPB Complaint # XXXX on XX/XX/XXXX regarding an illegally re-aged account XXXX XXXX XXXX XXXX on my credit report. So far, I have received an update from both XXXX and Equifax regarding their false and inaccurate reporting. Equifax claims that the creditor has confirmed that the false " date of first delinquency '' date that they are reporting is " correct ''. XXXX has " updated '' the information on the same account with a different " date of first delinquency ''. How is it possible for the 2 credit bureaus to investigate the same account and both get dramatically different results? 

Equifax XXXX XXXX XXXX  " date of first delinquency '' XX/XX/XXXX XXXX XXXX XXXX " date of first delinquency '' XX/XX/XXXX This shows that neither Equifax or XXXX  actually investigated anything and are willfully violating my rights under the FCRA by reporting inaccurate damaging information and have been ruining my creditworthiness in the process.
Product: Credit reporting or other personal consumer reports

So fast forwarding to today ( XX/XX/XXXX ) these 3 ILLEGAL accounts still remain on my XXXX, XXXX, and Experian bureaus. Not only are these accounts XXXX, they have the nerve to keep reporting failed payments as of XX/XX/XXXX which keeps DRASTICALLY dropping my credit score. This is beyond illegal. Please remove these items off my credit report. I will not stop disputing! For someone to keep opening and reclosing and account on your credit bureau that is FRAUDULENT does a LOT of damage to your score. Please remove these items ASAP. The opening and reopening of fraudulent accounts, with added remarks is ridiculous. I am STILL going through a NIGHTMARE after these FRAUDULENT accounts were opened in my name and the creditor feels they can reopen anytime when its FRAUDULENT! They are reporting to my bureaus as LATE PAYMENTS on XX/XX/XXXX FOR THESE ACCOUNTS that were illegally opened without consent and the re-opening and closing of these accounts WITH UPDATING INFORMATION SAYING THAT PAYMENT IS LATE AS OF XX/XX/XXXX WHEN FOR THE LAST 120 DAYS I'VE DISPUTED AND TOLD YOU THESE ACCOUNTS ARE FRAUDLENT!!!! THE LAST 4 MONTHS I KEEP GOING THROUGH A NIGHTMARE. SHOULD NOT BE ABLE TO KEEP DOING THIS TO A CONSUMERS REPORT! ITS LIKE THEY DONT CARE. PLEASE REMOVE THESE ITEMS!! 

XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$57.00} Acct Number XXXX Date opened XX/XX/XXXX GXXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Subject : Refusal to Pay and Dispute of Alleged Debt Account/Reference Number : Chapter XXXX Bankruptcy : Bankruptcy Dear Sir/Madam, I am writing to inform you that I am refusing to pay the alleged debt referenced above, and I am invoking my rights under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). This letter serves as a formal refusal to pay the debt and a demand that you cease any further communication with me regarding this matter. 
FDCPA - XXXX XXXX ( 15 U.S.C. 1692c ( c ) ) Pursuant to 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing that they refuse to pay a debt or wish the collector to cease communication, the collector must stop all communication except for notices allowed under the law, such as : To advise that your collection efforts are being terminated. 

To notify me of any specific legal actions you intend to pursue against me. 

Any further communication beyond what is legally allowed will be considered a violation of the FDCPA, and I will take appropriate action, including reporting the violation to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

FCRA - Dispute of XXXX and XXXX XXXX addition to the refusal to pay, I am disputing the validity of this debt as it has been reported to the credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), I demand that you : Immediately cease reporting this debt to any credit reporting agencies until it is fully verified. 

Ensure that, if you continue to report this debt, it is marked as disputed in accordance with FCRA regulations. 

Investigate and validate this debt, providing all evidence to substantiate your claim. 
If you are unable to provide verification and validation of the alleged debt within the statutory timeframe, I expect the debt to be removed from my credit report as required by the FCRA. 

Legal Actions and Further Steps Please take notice that I reserve my right to pursue all legal remedies available to me should you fail to comply with this letter or violate my rights under the FDCPA or FCRA. 

I am keeping a detailed record of all correspondence regarding this matter and will not hesitate to escalate the issue if necessary. 

This letter should also serve as a formal request to cease all communication regarding the alleged debt at once. You XXXX only contact me under the limited circumstances permitted by law as outlined above. 

Thank you for your attention to this matter. I expect prompt action on your part in accordance with federal law. 

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

I was trying to purchase my first home and I decided to go through a first-time homeowner 's program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX {$320.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$25000.00} XXXX XXXX {$300.00}
Product: Credit card

I am a XXXX XXXX member and I received a very good offer from their credit card company, called Comenity Capital Bank ( XXXX ), on balance transfers. The offer was XXXX % XXXX till XX/XX/XXXX with XXXX % of transfer fee. I took the offer in the end of XX/XX/XXXX and on XX/XX/XXXX the balance transfer was completed and new balance appeared on my credit card account, as expected. Now, XXXX month later, I got a bill on the new balance, and the original credit card company, which is XXXX ( XXXX ), also billed me on the same balance. It turned out the balance transfer, physically, never happened, it happened only on paper, and XXXX told me that nobody paid off my balance. In such case, who gave the right to XXXX to charge me with the new balance and transfer fee, if their check was never cleared or received by XXXX? Actually I do not believe XXXX sent such check at all, and they never gave me any proof of such transaction per my request. I have all copies of the messages between myself and XXXX, which will give you more details about the issue and my failed attempts to resolve it. I 'd suggest you to request those copies from me, because they are helpful for better understanding of this problem. I can also enclose last statements from both XXXX and XXXX where you can see account transactions. XXXX did wrong charging me if the related funds were never moved from their account. Additionally they committed another fraudulent activity charging me with the interest though I paid off my previous balance with them. I can prove everything I have stated here.
Product: Credit card or prepaid card

I called " Key bank '' in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX, I informed them about a CC that is appearing on my credit report which I have no recollection of applying for. When I spoke to them in XX/XX/XXXX they said they couldn't find my account with the account number on my credit report. I had a loan officer pull my credit report in XX/XX/XXXX for a home loan application and he informed me that I was an authorized user on the " Key Bank '' credit card, which I never authorized. I need this account to be removed from my credit report as I am being harassed from collection companies ever since my loan officer advised me to dispute it.I called last week and they finally informed me that " XXXX XXXX '' is the primary person. I have no clue who she is or when she added me or how to even get in contact with her. they said she would be the only person able to remove me. I can not be liable for someone else debt who I don't know and most importantly who I never authorized to add me to this credit card.
Product: Debt collection

First Point Collection Resources , Inc . Sent a debt collection for an insurance policy that was never started. I spoke with our Agent XXXX XXXX who created the XXXX XXXX XXXX policy. He said scammers stole the policy information and submitted it as a debt. He's not sure how to resolve issue but he would not pay. I informed the agency of issue they claim their client is XXXX XXXX XXXX and the balance is owed. I told them we are not paying because we don't owe. The cancelled/returned payment ( balance of debt ) was due to another new policy being started. The policy in question was never used or started. I'm not sure if Collection agency is fraudulent or client is fraudulent. But this debt is fraudulent claim.
Product: Credit card or prepaid card

My debit card was not working properly at all XXXX2020 I also was unable to report a change of address over a period of 7 months- I have forwarded my mail, yet the most current statements are and have been missing for almost that amount of time. 

I called the agency who deals and has the exclusive business with the Department of Treasury ( Social Security ) XXXX and was treated as a complete XXXX after finally being able to reach a " human ''. The call was herrendous they succeeded only in infuriating me. XX/XX/2020 " Direct Express '' is immune from the XXXX since they have secured a government contract with the Dept. of Treasury. 

Ultimately I have been told I would be contacted by someone form US Direct Express by telephone as I was told there was NO OTHER WAY TO VERIFY WHO I WAS. 
I have not been called. 

I do not have access to my benefits. My card does not work.
Product: Credit card or prepaid card

XXXX XXXX never sent me a bill from when I open the account. I made a purchase at their store and they gave me some discount if I would open the card so I did, but the issue was I never received the bill, once I finally got a call from them or I called ( can't remember ) my bill already had accumulate late fees and interest so I asked how much was to pay and close the account the lady gave me the statement and I did. 
Now they keep sending me bills that are not from purchases but late fees over late fees, I refuse to pay is outrageous if I already paid and asked for the account to be closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe your company is using stall tactics while looking into my claim. your inaccurate reporting of consumer file is hurting my ability to obtain credit and i need this issue resolved immediately. according to the FCRA you have 30 days to review a claim and provide proof I verified my identity initially and need my claim resolved. be mindful i am keeping record of all responses and will file a complaint with the Federal trade commission if necessary.
Product: Credit reporting or other personal consumer reports

This hard inquiry is on my account and I dont have an open account with the creditors
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted these accounts to XXXX  and Equifax for over a year now with Police report and FTC identity theft report. Still they have not removed the accounts from my credit report. XXXX  has deleted the accounts already. 
XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX acc # XXXX