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

On XX/XX/XXXX, Bank of America decided to close both of my debit card account and credit card account without notice. 

I tried to log in into my BOA app but failed on XX/XX/XXXX. I called them for the reason, they just told me they had the right to close my bank accounts without reason and notice. ( Actually the letters from BOA I received 2 weeks later this call said that the reason is I had irregular transactions, I checked my spendings, and that transactions should be my two payments to a XXXX shopping website-the most famous one. ) I had no more chance to open another debit card account eternally.

It took me around 3 hours to talk with the debit card and credit card department on XXXX XXXX need to wait for 2 weeks for the balance of debit card. And I went to BOA to pay the money I owned in my credit card account on the same day. 

But I couldn't get back my cash back rewards ( around XXXX dollars ), the lady from customer service department made a claim for me on XX/XX/XXXX, she could not click the " redeem '' button since it was frozen. She told me the back door office would deal with my cash back rewards and send it back to me in 4 weeks. Yesterday XX/XX/XXXX, I received a letter from BOA without any contact information, it is said that I couldn't get back my cash back rewards because my account had been closed. That is not me who made this decision without notice - made me had no time to redeem my rewards. I called BOA again, the customer services twice, benefits department, and another one, I had been transfert three times and finally no one could help me to get my money back. 

It is indecent to keep a former client 's money in this way. I only want my own money back to me. 

I filed a complaint on XX/XX/XXXX on CFBP, then I received a email from regulatory complaint department of BOA on XX/XX/XXXX. I tried to contact this department with the phone number they gave me 6 times, but the extension number could not be recognized. 2 hours of calling to BOA later, but nobody knows how to contact their regulatory complaint department. I have no way to contact BOA to have my right back, that's why I submit the second complaint right now. 

I will use whatever I know in the legal way to get my rights backs until I get the solution.
Product: Checking or savings account

I opened a " High Yield Savings Account  ' with UFB Direct ( https : //www.ufbdirect.com/ ) at 5.25 % interest. 

They are only paying me around 4 % interest on my savings of XXXX + They will not provide answer as to why the amount is so far off. 

Interest paid from account open : XX/XX/2024 - XXXX - {$410.00} interest paid XX/XX/2024 - XXXX - {$810.00} interest paid As soon as the account was opened the interest rate adjusted to 5.11 % rate but that doesn't come close to what the company is paying me in these payments. the above payments rflect a 4 % interest rate not 5.11 % Please help with this matter
Product: Payday loan, title loan, or personal loan

Lending Club offered a payment plan last summer during my hardship. They specifically confirmed it would not negatively impact my credit. At the end of the three month program normal payments started back as normal. In XXXX when my credit score dropped significantly when reviewed I identified they had reported this account as 30 and 60 days late. I contacted them and they confirmed it was their error, it was definitely inaccurately reported, and they submitted the request to update. They asked for 30-60 days which would have ended XX/XX/2017. Now, after working to get two new loans I was told my score was much lower on two than I had known and those were the reporting agencies they used for loans which caused me to not only be charged more interest on two loans, but also be denied, and have higher inquiries due to the number of companies they had to go to for approval. I WORKED HARD to keep this from happening and this is absolutely costing not only more money but unfair to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent SYNCB/CARE CR and XXXX both multiple letters of verification. I've requested both SYNCB/CARE CR and XXXX to verify this account. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681i ( a ) ) for an entity to  report inaccurate or unverifiable information on your credit report. I am writing to request the method of verification. I am requesting documentation that provides clear evidence that this account belongs to me. Actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; '' If they cant provide proof, this account must be deleted. I want these accounts deleted if they are not 100 percent right and correct. Please investigate the following account and remove it if anything is missing or not correct on it.
Product: Debt collection

XX/XX/2019 I received a letter from Key Recovery stating that I owed {$6500.00} to XXXX XXXX. I emailed Key Recovery on XX/XX/2019 to find out more information and never had a response. I contacted XXXX XXXX who stated and provided proof that my balance is only {$4400.00} with them. Key Recovery is charging me {$2100.00} in fee 's.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX Balanced {$0.00} XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX : Account number : XXXXXXXX XXXX : Account number : XXXX XXXX XXXX XXXX : Account number : XXXXXXXX XXXX XXXX XXXX  : Account number : XXXXXXXX XXXX : Account number : XXXXXXXX XXXX : Account number : XXXXXXXX XXXX  : Account number : XXXX, XXXX  : Account number : XXXXXXXX XXXX XXXXXXXX : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit card or prepaid card

XXXX XXXX hit me hard and my life havent been same finically I had discover credit card
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and bring to your immediate attention certain inaccuracies present in my credit report. Upon reviewing my credit report, I have identified fraudulent accounts, addresses, and personal information that do not belong to me. I kindly request your prompt investigation and correction of the following discrepancies : Fraud Addresses : XXXX. XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Fraud Accounts : XXXXXXXX XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX. XXXXXXXX XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX - Account Number : XXXX XXXX. XXXXXXXX XXXX - Account Number : XXXX XXXX. XXXXXXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX Fraud Names : 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 I have never resided at the mentioned addresses, opened the listed accounts, or used the provided names and phone numbers. These discrepancies are indicative of fraudulent activities, and I request your immediate attention to rectify these errors in my credit report. 

I hereby demand the removal of the mentioned fraudulent information within 14 days from the date of this letter, in accordance with the Fair Credit Reporting Act. I explicitly state that I do not require a response from E-Oscar, and any communication regarding this matter should be directed to my address or email provided above. 
Failure to comply with this request may result in legal action to protect my rights under the aforementioned Act.

I have attached supporting documentation, including copies of my identification, to verify my identity. Please use this information to conduct a thorough investigation and update my credit report accordingly. 

I appreciate your urgent attention to this matter and expect a resolution within the stipulated timeframe. 

Sincerely, XXXX XXXX SS # XXXX
Product: Credit card

In XXXX I applied for a XXXX XXXX XXXXXXXX XXXX because I intended to travel more on this cruiseline. I never received a response from the associated bank with this card. 

In XX/XX/XXXX I received formal letter from Barclays bank asking me if I still wanted this credit card ( that I appied for in XXXX )? If so, please call them which I did and they asked me to temporarily unfreeze my credit so they could verify the information they were seeking. I did that and while I was on the phone with Barclay representative I was told my card had been approved and it would be coming to me. It showed up in the mail some days later. I activated the card and had it on my desk to use for an upcoming cruise In XXXX, XXXX. 

I have several letters to support what I write below. On XX/XX/XXXX an unauthorized {$1000.00} balance transfer was initiated by Barclay from a long-held XXXX XXXX XXXXXXXX XXXX XXXX ) credit card of mine. {$1000.00} flowed to the Barclay Visa and Barclay also charged me a {$50.00} fee. 
I DID NOT AUTHORIZE THIS transfer and don't know how it happened.

A few days later I checked my credit cards and was surprised to see the transfer to the Barclay Visa. I contacted Barclay was immediately transferred to the Fraud department. I was told it was suspicious that a credit card I applied for in XXXX had triggered a letter to me in XXXX. The same day they shut down the account number and ordered a new card number and reissue of the card. Barclay agreed to return the {$1000.00} to XXXX. They documented all of this in a letter to me dated XX/XX/XXXX. 

In the mean time I contacted XXXX and according the representative I spoke with they could not validate how the request for a bank transfer occurred. In a letter they sent to me on XX/XX/XXXX it appears as if the transfer then the return of the funds to the XXXX account happened all on the same day, XX/XX/XXXX. 

My complaint is : {$1000.00} was returned to my XXXX  account minus the balance I had for the XXXX Visa leaving me a balance of {$0.00}. 

Barclay 's bank agreed in early XXXX to return the {$1000.00} as well as the {$50.00} balance transfer fee they charged me. I spent quite a bit of time talking with the Fraud area of Barclays. 

Later in XXXX, BARCLAY 's REVERSED their decision and charged my account with a {$1000.00} that they want me to pay. I DON'T WANT TO PAY for SOMETHING I DIDN'T AUTHORIZE. 

I have some paperwork from both banks and I find it to be very ambiguous. 

I have letters from both banks and look forward to clarifying this issue. Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
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 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 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 or other personal consumer reports

Please see attachments to remove an account from report.
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 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

16. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

17. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

18. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

19. there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current
Product: Credit reporting, credit repair services, or other personal consumer reports

When i paid off my loan with Honda, I was told there was a balance left for taxes and fees in which i paid off in full XX/XX/2019. Then recently i get an updated credit report and they put a 30 late on my credit file for the month of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My dispute is in reference to a collection account that has been placed on my  XXXX , Equifax and  XXXX  credit bureau reports.     The account I am disputing is  XXXX   XXXX , a collection account for {$700.00}. ( The original creditor is noted as  XXXX   XXXX   XXXX . ) I have no record of opening any credit card account with  XXXX   XXXX    XXXX  , and am disputing this account as inaccurate/not my responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to share my financial history with Experian without my written permission. XXXXXXXX XXXX agreed not to share my non public information with non affiliates. Experian is not an affiliate of XXXX XXXX and is not the real credit bureau. The only credit bureau is the CFPB and they do not furnish consumer reports. Experian does not have my permission ro repot any of my financial information pertaining to my account with XXXXXXXX XXXX. 

This is a discharged account and can not be reported as it is income per the IRS.

As a federally protected consumer I am now opting out of any of my information being shared.

162.6 Reasonable opportunity to opt out. 
( a ) In general. A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a solicitation to such consumer about the covered affiliate 's financial products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by this subpart. 

( b ) Examples. A reasonable opportunity to opt out under this subpart is : ( 1 ) If the opt-out notice is mailed to the consumer, the consumer has 30 days from the date the notice is mailed to opt out.

( 2 ) If the opt-out notice is sent via electronic means to the consumer, the consumer has 30 days from the date the consumer acknowledges receipt to elect to opt out by any reasonable method.

( 3 ) If the opt-out notice is sent via e-mail ( where the consumer has agreed to receive disclosures by e-mail ), the consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable method.

( 4 ) If the opt-out notice provided to the consumer at the time of an electronic transaction, the consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction.

( 5 ) If the opt-out notice is provided during an in-person transaction, the consumer is required to decide, as a necessary part of completing the transaction, whether to opt out through a simple process.

( 6 ) If the opt-out notice is provided in conjunction with other privacy notices required by law, the consumer is allowed to exercise the opt-out election within a reasonable period of time and in the same manner as the opt out under that privacy notice.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/1990, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXXeporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XXXX, an auto loan account opened at XXXX on XXXX, an account XXXX XXXX on XXXX, an account XXXX XXXX on XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I set up social security direct deposit to SoFi bank. But missed the account number by 1 digit. They have had the money for 13 days .When I noticed the deposit missing I started a ticket and contacted social security for a tracing number. I contacted SoFi bank with all the relevant information. I was told it would be up to 5 days before money refunded to social security so they can reissue to the correct account. The big issues is, social security stated, that when the funds were sent, they should have been returned to social security within 3 days as there was a wrong account and no place to deposit the money. Multiple contacts, phone and chat to SoFi and no answer or help. Also no transfer of call to manager or ability to speak to " back office ''. I depend on this monthly money and need resolution as soon as possible.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX : [ XXXX XXXX ] [ XXXX ] TransUnion : [ XXXX ] [ XXXX ] In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.