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

On XXXX/XXXX/2017, I called BOA, to find out how much my interest would be, if I do'nt pay off the balance of my " balance transfer '', that I did few months back. When they disclosed how much it would be- I said : oh my, that 's a lot. Then he said, they can reduce the interest charges, and forwarded me to another banker., who offered to reduce the interest, but also said " we can increase your credit limit '', in a very helpful tone, as if it 's in her power, to do so. I said " how much ", she told me the amount she would increase, and I asked her, " do you pull my credit report "? -- She said oh yes, -I asked " is it going to be " soft pull '', or Hard pull "? She said Oh, " we do n't know about it, -- anyway it 's already done ". I was shocked. 
I did not want any XXXX to do a hard pull, as I was about to start on a " refinance '', on my home, within weeks. Next day, I received my " XXXX XXXX '', report saying, '' there was a hard pull, do you recognize this company?. ". I was furious, and very upset, because, without informing me, her itchy hands had already forwarded my card number to Credit Agencies, acting as though, she was very sympathetic, and understanding, and as if SHE was inreasing my credit limit, on her own. Why do they deceive us, why ca n't they be honest, and transparent? Why do big banks like BANK OF AMERICA, hire such idiots, who say " they do n't know, if it is a soft pull, or hard pull "? I AM DISPUTING THIS UNSOLICITED CREDIT INQUIRY. They are trying to whip up more loans, just like another big BANK did recently, and was subjected to severe fines, which story every one knows. I want Bank of America to " WITHDRAW THIS INQUIRY '', FROM MY credit report, ASAP. 
Thank you for your helpful service.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. There are items in my file that are misleading and must be removed or blocked for their erroneous status. 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. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SLASH XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$20000.00} XXXX XXXX XXXX XXXX Balance : {$36000.00} XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX XXXX Balance : {$330.00} XXXX CNS XXXX Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXXXX/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 XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

The company Midland Funding LLC company XX/XX/XXXX put a hold on my account for the amount of {$1400.00} From a credit card from XXXX XXXX back XXXX or XXXX I cant remember I never opened an account with XXXX XXXX I was told to file this report with you and to file a police report ASAP I will be doing that in the morning
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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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 XXXX XXXX XXXX, LA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , LA XXXX , XXXX XXXX XXXX  XXXX XXXX XXXX, LA XXXX, XXXX XXXX Balance : {$0.00}, US DEPT ED XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$610.00}, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$170.00}, XXXX XXXX Balance : {$490.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$310.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$490.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$780.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX {$2000.00XXXX XXXX XX/XX/XXXX {$9800.00} XXXX XXXX XXXXXX/XX/XXXX {$160.00}
Product: Debt collection

My niece XXXX XXXX needed me XXXX XXXX to cosign with XXXX XXXX Comenity Capital Bank XXXX XXXX XXXX XXXX, OH XXXX. When I closed the account XX/XX/2021, the Rep at XXXX stated my niece will not have any problems continuing to make the payments. 
As you know the COVD came and many things were going on in banks, losing workers etc. My niece had trouble making several of the payments this year. For the last 6 or 7 months, each time my niece or I spoke to a Rep, we would both either get hung up on, transferred and the phone got disconnected. They refused to let us speak to any supervisor when it was requested. Me and my niece called individual times. As a result of poor Customer Service, giving misinformation or no information at all. My credit report changed from XXXX to XXXX. I received letters from my credit card card companies canceling my credit card. I can not refinance my house or even rent a XXXX. Because my niece was having problems with her bank and XXXX so the payments were late. THey never told me nor my niece about the COVD hardship that could have resolved all our problems and my credit report would not be damaged. I tried to call today and from XXXX to XXXX. I called 7 times. Spoke to 7 people who I either hung up on me, transferred me than the call dropped. This is not fair. My niece is not knowledgeable in finances so I never knew what she was going thru until I received my credit report showing a drop from XXXX to XXXX. And it dropped even lower. Every Rep refuses me to speak to a Supervisor. They refuse to give me a direct number to the hardship dept and everytime they transfer me. The call drops. This is not fair. I had perfect credit. Now my life as a XXXX XXXX is destroyed.
Product: Credit card or prepaid card

American Express Platinum Business Credit Card. I purchased a business in XX/XX/2021 and received a pre-approval for this card. I used the card to purchase items for the business. I did not realize that the entire balance of the card had to be paid in 30 days. I spent $ XXXX on business start up expenses. Obviously I thought I could finance this but I was wrong. I called American Express and negotiated a $ XXXX payment plan to pay off the balance. I make one {$500.00} payment. Then 15 days later, they turn the debt over to a collector who will not stop calling me. I callled American Express to investigate and they still have yet to investigate ( listening to the call where I set up the payment plan ). They have no record of the payment plan and refuse to work with me. My credit has now dropped over XXXX points incurring real damages to me by the inability for me to finance my business.
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report from TransUnion XXXX XXXX XXXX I noticed a account that I have no knowledge of I filed a police report with my police station I filed a FTC report and a letter validating my complaint I also submitted proper identification The credit bureaus failed to do a proper investigation and they continue to validate the account
Product: Credit card or prepaid card

Account # XXXX - Unfortunately during the period that I have held this paid-for and settled account, I was unable to keep up the payments and fell behind. I was going through a rough patch in life. I am a single mother of XXXX children who was laid off twice and lost everything in a home fire in XXXX of XXXX. After opening this account in XX/XX/XXXX, I closed this account directly with Capital One in XX/XX/XXXX and settled it. I reached out to the Executive Office in XX/XX/XXXX and I was given a call and told that I wouldn't be able to receive assistance. I emailed again in XX/XX/XXXX and there hasn't been a response. I fully respect my obligations with Capital One & I have worked diligently to amend my relationship with you by regaining your trust. This spring, I was laid off a third time from the pandemic as well. A brief look at my current accounts will reveal that I have successfully made on-time payments with my Quicksilver, Walmart, & Platinum Accounts since my unfortunate circumstances and I made timely payments while I was laid off during the pandemic as well. Ive recently began searching for a new home for my family & it has come to my attention that because of my previous late payments with Capital One that this could hurt my ability to qualify for home loans. As you know, FICO scores are extremely important in the selection of prospective job, home, and car purchasing applicants. In light of my renewed focus & demonstrated commitment to rebuilding my trust with your company, Im requesting that you please give me a second chance at a positive credit rating by deleting the tradeline. This tradeline is almost seven years old and it is reflecting several late payments. If Capital One is unable to delete the account, I would like to have the late payments removed for goodwill. This second chance will allow me to pursue the home of my dreams for my family. In the meantime, I have attached the Police Report & Red Cross Letter from the home fire in XXXX of XXXX. Thank you for your time & I look forward to receiving a favorable decision from your company soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive seen an inaccuracy on my mortgage account it states that there is balloon payment which is not correct and not accurate there is no balloon payment. Please update the following account : XXXX XXXX XXXX XXXX XXXX  Please update status to : open
Product: Debt collection

Account XXXX credit card was paid off XX/XX/23. 
I received additional notice that there was a $ XXXX fee still on the account after paying off the amount indicated in the latest bill at that time. Starting in XX/XX/2023, Comenity Bank started sending harrassing telephone calls multiple times per day. 
XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 1 call XX/XX/23 - 4 calls + 2 additional 'no caller ID ' calls XX/XX/23 - 5 calls + 3 additional 'no caller ID ' calls XX/XX/23 - 1 call + 2 'no caller ID ' calls XX/XX/23 - 1 'no caller ID ' call XX/XX/23 - 2 calls + 2 'no caller ID ' calls XX/XX/23 - 4 calls + 1 'no caller ID ' call, hourly between XXXX and XXXX CST I finally figured out how to sign in online and paid the " XXXX '' in fees that I have been charged after already paying off the amount listed on my payment in XXXX. 

I want the company to reimburse me in the amount of {$100.00} for the additional changes and unnecessary harassment and will continue to escalate this and share my story on social media because these practices are unlawful and there's no amount that can reimburse the damage this company has now placed on my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO VALIDATE THE STATED ACCOUNTS AND INQUIRIES, THE PURPOSE IS TO ENSURE THE ALLEDGED ACCOUNTS ARE PERMANENTLY REMOVED FROM MY CONSUMER REPORTS. THESE ACCOUNTS WERE OPEN WITHOUT MY PERMISSION AND PURSUANT TO FCRA 605B ( 15 USC 1681C-2 ), THESE ACCOUNTS ARE IN VIOLATION OF IDENTITY THEFT AND FRAUD AND MUST BE BLOCKED IN DELETED WITHIN 4 BUSINESS DAYS OF RECEIPT.
Product: Checking or savings account

At Wells Fargo Bank I was charged overdraft fess on several occasions, two most recently, although I made the deposits before the cutoff time.
Product: Credit card

This is not my account yet the company keeps calling me and harassing me. I want the calls to stop. Its depressing and stresses me out. They call me every hour from different numbers.
Product: Checking or savings account

My account was wrongly closed by Capital One. I am furious as I was a longtime and loyal member of Capital One Bank. They closed my account because of a claim filed against my account from another banking institution. A transfer that was from the other institution to my Capital One account was supposed to be cancelled, but it was not and the funds were no longer in my account at the other institution. The other institution understood this was a mistake and reopened my account as soon as they received the money back from Capital One. In addition, I was in the XXXX  when this was all taking place and therefore had no way to deal with it. I had no idea the money had even been transferred from the other account. I am disgusted with how I have been treated by Capital One. The other bank understood that it was a mistake and that there was no fraudulent attempt to transfer money that I did not have. Capital One did not make any attempt to clarify the situation with me and did not care that I was going through a serious medical situation. This is a terrible and callous way to treat a customer who has banked with Capital One for quite a while. My account should never have been closed!
Product: Mortgage

I have a mortgage account with ARC Home. 

In XX/XX/XXXX I received my annual escrow account disclosure statement. This indicated that I had an escrow shortage of {$6300.00}. This also indicated that my mortgage monthly payment was going to increase from {$1600.00} to {$2500.00}. This is an increase of 57 % effective XX/XX/XXXX. 

I started investigating and trying to understand where the disconnect was. I had just close on my new house ( new built ) in XX/XX/XXXX. I went to the XXXX XXXX Central Appraisal District. I found out that ARC Home paid property taxes to an account that is NOT under my name. It is my neighbor 's name. 

I called ARC few times in XX/XX/XXXX to let them know. I went back to XXXX XXXX Central Appraisal District, and also to the City of XXXX XXXX ( Tax Collector ). They confirmed that they paid the wrong property. My house did not even had a property tax id created. My property tax ID was created after I raised the concern. 

In XXXX, I called back again to ARC to tell them the correct parcel number. They took a bunch of notes, put them in the system, and asked me for few days to corroborate. 

Towards the end of XXXX, I called back to ARC and they said yes, all notes were there, but they still did not have an update. They asked me to call around XX/XX/XXXX. By then, all updates should had been performed. 

I called XXXX and told me the changes were still not reflected. I called XX/XX/XXXX and told me they needed about XXXX more business days. I called on XX/XX/XXXX and the lady told me I need to get a new statement from the city. I told her my account was new and statement was {$0.00}. At that point I was very frustrated because not only was their mistake, but also I was doing their job. 

Finally, XX/XX/XXXX they withdrawn from my account {$2500.00}. Ever since then, I have called about two more times. They are still asking me for more time. 

Now, In XX/XX/XXXX, not only they increased due to their mistake. They also increased it XXXX XXXXXXXX more because they are charging me for XXXXood Insurance. My Survey says I'm in zone A and zone X. They are charging me {$2500.00} full year for this insurance. I quote separate and got a quote for less than {$400.00}. They also told me I need to call FEMA and get proof I don't need flood insurance.

Now, I'm facing two issues with ARC, property taxes and flood insurance.
Product: Student loan

Wells Fargo Student Loan is showing as delinquent when it has been 100 % paid in full and has no money left on it.
Product: Credit card or prepaid card

It is unacceptable to see late payments on my account, and I urge you to correct this error immediately.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Sent a debt validation letter. It has been 30 days and I would like this removed from my credit report immediately.
Product: Credit reporting

I am filing this complaint because Transunion LLC has ignored my request to provide me with documents showing proper validation for negative items reporting on my credit report. Instead they sent a letter stating that certain items were verified with the original creditors, but where is the PROOF??? I am aware of my rights under the FCRA and Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you ca n't just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is " Verified ''. This means that IF you ca n't send me proof of these accounts from YOUR COMPANY, it must come off. Please make sure that XXXX abides by the law and provide documentation or delete immediately. 

Account Name : XXXX XXXX XXXX. Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : # XXXX
Product: Credit card or prepaid card

fraud/identity theft/lies/- on XXXX XXXX 2016 I called wellsfargo bank I was reviewing my account and thats when I found an account created by the bank ending on XXXX. I filed a claim the fraud department on same date and they created another account ending in XXXX and I cancelled it immediately on same date and time i never activated, authorized or signed anything. on XXXX XXXX,2016 the credit card solutions executive office. whent and remove/added/changed/all information on the account ending on XXXX and XXXX. And incredibly they put over fifty transactions including multiple duplicate dates on account ending on XXXX that was cancelled on XXXX XXXX 2016. then the account ending in XXXX showed an outstanding balance of {$6200.00} going back to the same as the period account ending on XXXX and they to had over the 50 plus transactions.
Got a letter from executive XXXX XXXX signed by XXXX XXXX stating that they issued a credit and I attempted a balance transfer the review was not complete and the transaction was completed and they rebuild the account and became over the limit and no fee 's were charged and any pmnt amount includes the over the limit plus minimum pmnt. Got another letter from XXXX XXXX XXXX executive office from another analyst and signed by her XXXX XXXX and she states that the account ending XXXX account was open on XXXX/XXXX/2016. So here we have the fraud/lies/theft from the executive office personell. The first letter states very clearly the XXXX account was created on XXXX/XXXX/2016 and closed same day. The the other executive office personel stating that this account ending on XXXX was created and open on XXXX/XXXX/2016.
Product: Debt collection

i requsted original dept information and never got anything. i have never heard of this compuny and do not owe them anymoney.
Product: Checking or savings account

I was charged overdraft fees for purchases that should have been covered on my account in XXXX of XXXX My account has been closed because of these mistakes.