23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I can not log into Bank of America 's website to view my account details, I can not see what fees and interest I have been charged. Also, on XX/XX/2023, I made an attempt to settle debt I owe with Bank of America, currently represented by XXXX XXXX XXXX, XXXX. of XXXX XXXX XXXX XXXX XXXX In an effort to do so, I tried to verify the amount I owed was correct. I asked them what the original principal was and what additional fees and interest had been added to that to arrive at the figure they were claiming I owed them. They ( i do not know the name of who I spoke to on the phone ) refused to answer, claiming that they did not know. I am worried they are using the threat of bankruptcy to force me to pay fake or incorrect fees. If it is possible to help, I would greatly appreciate it. Also, they told me they recorded the phone call ; If you request it, it will back me up 100 %.
Product: Credit reporting or other personal consumer reports

I am deeply distressed by the credit report I have recently received. The situation seems entirely beyond control. It is astonishing to me that such blatant errors, which have such detrimental effects on individuals. I am prepared to take whatever steps necessary to hold you accountable for these poor reporting practices if you do not promptly and accurately address the issues outlined in this letter. I am unaware of the source of the following accounts. 
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: Mortgage

I have started refinance process with Bank of America in XX/XX/2017 whereas the sales agent promised me best rates and smooth process. As part of the process, they told me that they will carry out appraisal of my house and I need to pay upfront for it. I was not shared the amount that I need to pay for appraisal and was told that I will be refunded at the end when appraisal closes. I agreed to it as I didn't expect any issues in my loan process. During appraisal, an incorrect report came out which talks about an issue that I don't have in my home. I tried to explain to bank and appraisal company but they are not ready to correct the report resulting in my mortgage process going on hold. Bank has charged me for my appraisal fees but they didn't worked with appraisal company to correct the report even after I provided the reason for incorrectness of the report. My home ( in exactly same condition ) has gone through 3-4 appraisals before this appraisal but never such issue happened. I can provide more specifics when asked. 

I have also reached out to XXXX, CA to help me with issue in appraisal report.
Product: Checking or savings account

I have not received my {$50.00} promotion for opening my account with {$100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been some misconduct on my credit report, there are accounts that should not be on there that i did not authorize to be open. my identity was taken advantage of and i am trying to clear this up. please help restore the good name i work hard to build.
Product: Credit card or prepaid card

Back in XX/XX/2020, i get a notification that i have. past due bill under my credit report. I have no idea where it is coming from or how much as i stay on top of all of my cards and what i owe. I pay everything on time and it is very important to me to keep a good credit score. 

This late payment is marking my credit history negative in a time where i need a good credit score the most. 

I call Bank of America and they couldnt help me. They did waive late fees or remove the balance. It was for {$12.00} and i paid it, but i asked if they could remove late fees because i had no idea this was charged or was even due and was running late. They said no. I asked if they could block the merchant that is charging the card. They said no i had to figure out who it was and ask them to stop charging the card. I never use this card ever.
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. 
Account name : XXXX XXXX # XXXX, Account name : XXXX CARD # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : # XXXX, has violated my rights. 

I looked at my Experian 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 generallf, 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

This company has a collection that is not mine that is reporting on my credit report. These are the account numbers # XXXX and # XXXX. However, it's also been discovered that this company does not even have a collection agency license in my state of South Carolina. They only have a license to collect in the states listed on XXXX  This is a violation of the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done XXXX XXXX  by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I am writing to request the removal of my latest unauthorized hard credit inquiry. I have no clue what company it is but the it occurred and showed on my XXXX XXXX is XX/XX/23. I did NOT authorize this inquiry and dont know where it is coming from.
Product: Payday loan, title loan, personal loan, or advance loan

I was refused service to refinance a personal loan by USBANK during a recent telephone call without reason on XX/XX/XXXX. The representative took my demographic information and asked for the last four of my social security and made me verify my loan number as well, after reviewing my loan information the representative asked me what are my credit scores? to go over current refi rates, after a few moments i was asked to go to a branch to submit a application, am i not allowed to apply over the phone the representative stated that i was not allowed. 

USBANK is in clear violation of 15 usc 1691 ( a ) ( 1 ) ( 2 ) The Arkansas Civil Rights Act of 1993 16-123-107 - Discrimination ( 4 )
Product: Mortgage

Please see attached Word document for all complaints against SunTrust Mortgage Co . 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

AMEX account was due to be removed from my credit report in XX/XX/XXXX. AMEX updated a balance on my account and changed the on record from XX/XX/XXXX to XX/XX/XXXX. I have not and will not agree to repayment with them and want my credit report to be updated with the correct date of XX/XX/XXXX. Thank you.
Product: Debt collection

I was notified of a collection on my credit report around XX/XX/XXXX. The amount was for {$1400.00}. I contacted the collection agency XX/XX/XXXX and was told I owe a medical debt that is over XXXX XXXX XXXX. There is no way to contact the original company due to them being out of business now. I settled a debt from the original collection company 2 years ago. Now they are trying to say there is an additional amount due. I have emails showing the debt I was previously contacted about was paid. Prior to this collection there was no phone call or outreach trying to resolve the matter. I am in the process of buying a home and this dropped my score from almost 800 down to the mid 600s The original debtor was XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX There are many other complaints about debts associated with this company that went out of business in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got off the phone with both XXXX and Early Warning. They have stated that they have verified this account as accurate. However, they clearly have not conducted their own independent investigation because of a blantant errors on my reports with each of them.
Product: Debt collection

After almost 2 years of trying to resolve this matter I have been repeatedly told that if I do not pay this debt it would severely destroy my credit. 
This debt was opened by someone else using my credentials ( name and DOB and possibly my SS # ) I have made it clear that this XXXX XXXX XXXX phone account was NOT opened by me and they refuse to hear my story. 
At one pint they removed it then within 30 days ( last year ) put it back on my credit report. 
This is causing me serious problems and I have tried for almost 2 years to resolve this matter with no avail. 
Please help me in this matter, Here is their contact information I have : RECEIVABLES PERFORMANCE XXXX XXXX XXXX XXXX XXXX, WA XXXX Thank you so much
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX/XXXX, XXXX, XXXX   XXXX XXXX Company Inquiries : US SM BUS ADMIN ODA XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX   XXXX XXXX
Product: Checking or savings account

Opened an account with an associate in the branch of Bank of America, everything was online. The next day account was locked and when I called customer service, I was told that I needed to verify my identity in the bank. I went into the bank and was told that there are glitches with the online opening of an account so the associate reopened an account for me. A few days later I deposited my paycheck from work and the teller said it would be in my account on XX/XX/XXXX, it was in the account on XX/XX/XXXX. On XX/XX/XXXX I checked my account online and it said my funds were on hold. I immediately called the customer service number and they stated I needed to go into the bank again to verify my identity yet again. I went to the Bank of America location and the associate called the Risk Management Dept and they were not much help but stated my funds would be released on XX/XX/XXXX. She gave me a number to call to try to get this expedited. I called the number and was told they could not verify my identity but would not tell me why. I called the bank manager at Bank of America to try to fix this situation because I needed my money for living expenses. She stated I could file a hardship and they would possibly release my money sooner, so I called the number she gave me and the supervisor stated that my account was being closed on XX/XX/XXXX and they would send me a cashier 's check with my money at that time. When I asked why they are not able to verify my identity, no explanation was given. I filed the hardship and contacted the bank manager again to try to help me with this situation. My money was finally given to me on XX/XX/XXXX, but this was very scary and I'm afraid to open another account with anybody at this time. I still want to know why they were not able to verify my identity and why they held my money for over a week and a half. This situation has put me very behind on my bills as I live paycheck to paycheck.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. Collections Accounts XXXX XXXX XXXX XXXX {$7700.00} XXXX {$2400.00} XX/XX/XXXX XXXX {$210.00} XX/XX/XXXX XXXX XXXX {$13000.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Data breach happened, per 15 USC 1681c2 please block and delete these items within 4 business days
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian does not acknowledge my disputes and it is impossible to get on the phone with someone to get this resolved. Their disputes team does not do anything about this and the online dispute never works. They continue to report " XXXX XXXX account # XXXX '' as potentially negative, when this account is now XXXX XXXX XXXX and should no longer be on my report. Additionally, this was a PAID IN FULL charge-off. 

They are doing the same thing for " XXXX XXXX  account # XXXX '', this was a PAID charge-off that is also XXXX XXXX XXXX and should no longer be on my credit report. Both of these are negatively affecting my scores still and need to be removed.
Product: Credit card

I received and email on XX/XX/year> notifying me that my Kohls store credit card will be changed to a XXXX credit card issued by Capital One. I didn't authorize the company to issue me a XXXX credit card. I would rather cancel the store credit card accounting. Instructions on the website show I have to wait until the card is issued on XX/XX/XXXX before I can cancel it and request another store credit card.
Product: Credit card or prepaid card

After verifying my identification through XXXX and notifying me of my eligibility, the California XXXX enrolled me into the XXXX extended federal unemployment benefits program and the funds were loaded onto a Bank of America issued prepaid debit card until the extension ended XX/XX/2021. The XXXX notified Bank of America that my Unemployment Claim was exhausted thereby closing my account. As a result, the remaining balance on the debit card can not be accessed. Allegedly either the bank or the XXXX closed my account for fraud on XX/XX/2021, well past the time Bank of America told me my account was frozen on XX/XX/2021. There is no valid reason to restrict access to the funds which I'd been determined eligible before this confusion.The XXXX has contacted Bank of America on my behalf and the issue remains unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$350.00} ; XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i contacted XXXX XXXX XXXX and XXXX XXXX also XXXX along with New American Funding about the inquiries on my credit tried to get them to remove the inquire from my report they said they would, later i contacted XXXX and XXXX to get them to remove them but was gave a death ear on the matter so now im contacting you all for help thank you
Product: Debt collection

In XX/XX/2021 I was contacted about a late fee by Security Finance. I promptly paid the fee and the agreed amount for that month. Yet Security Finance issued a collection for {$10.00}, and it consequently drove my credit score down 130pts and negated a business deal I had in the making. Their website reflects I have an exceptional payment history. They have violated the FCRA by reporting false information.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you regarding the outcome of a dispute I initiated concerning an account with XXXX XXXX XXXX XXXX, with a reported charge-off balance of {$580.00}. This account appeared on my credit report reported by [ Equifax, XXXX, and XXXX ], and was subsequently disputed with XXXX, XXXX of the major consumer reporting agencies. 

On XX/XX/year>, XXXX completed their investigation and deleted the XXXX XXXX XXXX XXXX charge-off account from my XXXX credit report, as it was determined to be unverifiable. I request that you also immediately delete this account from my credit report, as it has now been verified as inaccurate or unverifiable. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and complete information on my credit report. Specifically, Section 1681i ( a ) of the FCRA mandates that when a consumer disputes an item on their credit report, the information must be verified or deleted within 30 days. In this case, as XXXX has already deleted the account, it is clear that the reported information was not verifiable, and your agency must follow suit and remove the account from my credit file. 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) ensures that consumers are not subject to unfair practices, including reporting unverifiable or inaccurate debt on their credit files. I would like to remind you of your obligations under the FCRA and the FDCPA to ensure that the information reported is both accurate and verifiable. 

I hereby request that you review and remove the unverifiable charge-off account from my credit report within 30 days or less. If the account is not deleted within this period, I will be forced to consider further legal action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and taking legal action under the FCRA ( Section 1681n ), which entitles me to damages, attorneys fees, and costs should you continue to report inaccurate or unverifiable information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name isnt XXXX XXXX that is one error on my credit report. My name is XXXX XXXX so please remove these errors listed on my credit file. 2. All the addresses listed on my credit file is reporting incorrectly and the only address that should be reporting on my credit file is XXXX. XXXX XXXX XXXX FL XXXX. So please remove that error as well along with the inaccurate accounts and inquiries that you have been reporting on my credit file.