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

When I went into Bank of America at XXXX XXXX ( XXXX XXXX XXXX, XXXX, FL XXXX ) this morning-XX/XX/XXXX, all I wanted to do is Deposit {$1600.00} and cash a check for {$500.00}. I was told my account was closed out on a holding ( With a balance of $ XXXX ). I was in shock. I asked why and got no answers. The manager ( XXXX XXXX ) made a phone call to someone who did not tell me his name and brought up my wife 's name with letters where he told me he had written me which I denied I EVER received any such correspondence. Since I was not getting anywhere, I left Pretty XXXX Mad the way I was being treated. I have been a loyal customer since XXXX when I was first in the XXXX. I am a XXXX member of which I do not understand and do not care. I have seen called the dispute and Fraud department of Bank of America to try and find what is going on to " NO AVAIL!! '' They placed some computer correspondence on my account to where I may go to another Bank. I am still Mad about the way I was treated and may want to close my account on the way it was handled where I could not access my checking account-It 's my account not theirs and no one can tell me why it was closed with my balance of {$60000.00} plus dollars!!
Product: Credit card

Bank Of America Visa. Charged interest on XX/XX/12 for {$180.00} the same day a full payment of {$10000.00} was received. On statement of charges show payment applied 1st and then after interest. I called to dispute interest charge and they deny removing charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified the credit bureaus XXXX, Experian, XXXX, XXXX, XXXX, XXXX, and a few other companies about fraudulent errors being reported to my personal credit files. 

To start I have notified them about fraudulent addresses being reported in my personal credit file. I have submitted police reports for alimony 3 years now asking to remove these addresses and these companies especially Experian. Experian has been reporting fraudulent addresses, names, accounts, and inquiries monthly on my personal credit files. I have sent in notarize letters several times. Its even been upload several times on this portal. I have verified my identity with these companies several times by sending in updated documents of my passport, drivers licenses, social security card, bank statements, utilities bills, a letter from my lawyer that was notarized. My request have gone unanswered and ignored like I dont exist.

This is my very last attempt to request that this inaccurate information be removed from my credit files. Under the consumer law it is my right to sue any company that is reporting unlawful and inaccurate information to my personal credit files without my authorization and I DID NOT authorize Experian to report theses address, accounts, and inquiries on my credit profile. The addresses are attached to fraudulent accounts that Experian is reporting to my credit files. 

Experian have violated several of my rights as a consumer by selling my personal information to third parties collection agencies. I have did a full investigation of these accounts and they are in fact fraudulent and need to removed from my credit files immediately. 

The following addresses are fraudulent, I have attached a copy of my personal credit report as proof of the incorrect information that is being reported to my credit files. 

XXXX is also reporting a consumer statement that is incorrect. I have no ideal what number is that on the consumer statement. XXXX needs to update my consumer statement correct the information currently appearing on the consumer statement is incorrect.
Product: Checking or savings account

On XX/XX/XXXX I checked my account and was overdrawn {$1.00} ( XXXX XXXX  and XXXX XXXX  ) I XXXX  myself {$3.00} to clear the deficit. On XX/XX/XXXX @ XXXX ( I work overnight, my check normally posts at XXXX ) I sent myself {$100.00} ( XXXX XXXX dollars ) to make a payment and to keep a couple of dollars for incidentals. I checked my account at XXXX am and was charged a {$34.00} fee for NSF. I called the bank to dispute charge and was told they would not reverse the fee because they had already done a reversal in XXXX. Which was caused by them with the same issue. Back story I have paid thousands of dollars in fees because they constantly rearrange my transactions to justify their erroneous charges. In the past I have just " eaten it '' because I really don't like to argue but in the midst of everything that is happening in the world I can no longer afford to be stolen from.
Product: Debt collection

In 2010 my wife had medical coverage under my work insurance but she failed to pay the portion not covered by my medical insurance. Kings Credit services located in XXXX California served me court papers by mail with less than a week to respond and had placed a lien on my property. I paid the debt and they informed me that they would take off the lien on my property but failed to do so and 7 years later it is still showing on my credit report. The medical bills were not mine but my wife 's.
Product: Credit card or prepaid card

The bank I am complaining about is the Bank of the West. I started a balance transfer which has very high interest and fees to another credit card account with an amount of {$3900.00}. 
I was promised by the bank that the transfer will take XXXX weeks to be completed ; however, it has been over XXXX weeks and the bank is not responding to my disputes, emails, phone calls, online massaging. The bank also didn't refund the check, fees, and interest associated with the transaction. What is making things bad is that I am not able to reach out to anyone from the bank to resolve the issue.
Product: Mortgage

On XXXX I called XXXX Mortgage at XXXX about my modification confirmation. I was advised ( and confirmed by a supervisor ) that my mortgage payment would remain the same until XXXX of XXXX. " Also there will NOT be a escrow audit until XXXX. '' " At that time the mortgage payment will go up '' {$2300.00} are the monthly payments. This is the amount on the bill as of XXXX. On XXXX I called and requested that recorded call as I was mislead, deceptive words were used and they did confirm that part of the XXXX modification included Escrow advance money. I am asking them for a resolution and restitution for not acting in good faith and their misleading practices. 

PHH Mortgage Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you!
Product: Debt collection

I got a loan in XXXX from XXXX XXXX XXXX that was then sold ( assigned ) to National Collegiate Student Loan Trust XXXX. I was approved for a loan called an " XXXX XXXX XXXX XXXX XXXX ''. The amount of the loan was {$20000.00}. There was a loan origination fee of {$1800.00}. The Note Disclosure Statement lists the total finance charges at {$49000.00}, with payments totaling {$69000.00}. I have since paid back over {$10000.00} of this loan but due to financial hardship was unable to continue making payments in XXXX. I wanted to reach a reasonable payoff amount but debt collectors demanded amounts in the {$23000.00} range. I am now being sued for {$27000.00}. I have credit card debt, Federal student loans, and no income. I feel that my only course of action may be bankruptcy. Only after I was served with the lawsuit did I begin to conduct research and I discovered that according to the Internal Revenue Code I was not a qualified student at the time I was given the loan. A taxpayer is an eligible student if he is enrolled at least half-time at a XXXX XXXX institution and is seeking a degree, certificate, etc. IRS Code : 26 U.S.C. 221 ( d ) ( 3 ) ( referencing 26 U.S.C. _25A ( b ) ( 3 ) ( requiring the student fulfill the requirements of _484 ( a ) ( 1 ) of the Higher Education Act of 1965 ( 20 U.S.C. _1091 ( a ) ( 1 ) I was enrolled in classes at XXXX XXXX XXXX XXXX XXXX XXXX school. This is only part of a XXXX college district, and offers classes in things like woodworking and retirement planning and these classes do not carry college credit. I submitted proof of enrollment in this school when I applied for the loan, but this school was not a qualified school that met the criteria for an education loan. I was not enrolled in a program that would lead to a degree or certificate. When I submitted my documentation in XXXX, I was led to believe that the classes I was enrolled in were sufficient. My tuition costs were only a few hundred dollars. I believe this loan was given to me because the lender knew that I would have no recourse if I were to default, so the criteria ( qualifying school, qualified student ) were overlooked in order to get me into a more binding loan agreement. It was obviously in their favor to offer me this loan rather than a personal loan.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number # # # # # # XXXX Claim number for data breach : XXXX Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from. my credit reports.
Product: Credit reporting or other personal consumer reports

I have been working on getting my Experian credit report corrected due to Identity Theft. So far, theyve removed ( XXXX ) collections that were not mine. I am bery grateful that they were finally removed. However, after that, my score dropped a whopping XXXX points! Nothing else was added and/or late. The only change was the XXXX collections being removed. I called to get an explanation bc there was not one on the site under my membership. It just showed that it was decreased. 

I called to speak w/consumer affairs and the young lady told me that there was no consumer affairs dept and she hung up on me. 

I need to know what caused my credit to drop from fair to poor and XXXX points
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regard to consumer reporting agencies reporting inaccurate information without my written consent pursuant to 15 USC 1681b ( a ) ( 2 ).

The problem i am having is Congress put forth rights for consumers protection stating my written consent to my consumer report is needed before furnishing any information. Due to non-cooperation pursuant 15 USC 1692k the agencies involved are civilly liable. 

I mailed a letter XX/XX/2021, and as of XX/XX/2021, i have yet to receive a response. 

The agencies that are violating my IV Amendment ( The right of the people to be secure in their persons, PAPER, and effects, against unreasonable searches ) are XXXX, XXXX, and Equifax. 

The consumer and natural person is submitting this complaint.
Product: Credit reporting or other personal consumer reports

There are fraudulent account and inquiries on my credit report that need to be removed ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My Transunion report has multiple delinquent from XXXX XXXX  and XXXX credit.Cfpb already intervened directly between companies and they agreed to remove delinquent off all three reports but it is still on my transunion reports. XXXX agreed to remove accounts off all three reports.
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, ND XXXX XX/XX/2023 XXXX  XXXX XXXX Balance : {$0.00} CAPITAL XXXX XXXX Balance : {$4100.00} XXXX  XXXX XXXX XXXX : {$830.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX ACCEPT XX/XX/2023.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I contacted westlake profilio management in regards to a refund check I was supposed to receive from a gap insurance after refinancing my XXXX XXXX XXXX with another company.The representative informed that the check was sent out on XX/XX/XXXX and wasnt cashed until XX/XX/XXXX. On XX/XX/XXXX, I closed and moved into my new home. I wasnt living at the previous address located at the time the check was sent to nor did I cashed it on XX/XX/XXXX. I expressed my concerns to this issue and the company has never reached out to me nor did they sent a letter about the status of the refund check after XXXX business days. Ive submitted a complaint to the XXXX  in regards to solving this case. The company continues to dismiss my rebuttal claiming that the check was cashed by me with an identical signature signed to it along with no evidence of where the check was cashed. I requested to receive a copy of the signed check cashed and where was the check cashed but the company continues to dismiss the questions being asked. The only response they given is that they verify with their accounting department and changed the date of the cashed check from XX/XX/XXXX to XX/XX/XXXX as their final response. The company has been very unprofessional and doesnt respect their customers business after making consistent payments to them before my account closed on XX/XX/XXXX. I will attach evidence of the inconsistency of the companys statement along with not providing any proof to these statements that they are claiming the check was cashed.
Product: Credit reporting or other personal consumer reports

XXXX Reinserted a Discover Bank account back on my credit report.. This Report was deleted from My file In XX/XX/year> from XXXX due to inaccurate information.. I never live at the address also associated to the report.. The Fair Credit Reporting Act strictly prohibits the reinsertion of previously deleted or unverifiable information without proper notification and a valid certification of accuracy. Specifically : 1. FCRA Section 611 ( a ) ( 5 ) ( B ) : Before reinserting information, XXXX is required to certify that the furnisher has provided sufficient evidence to prove the informations accuracy and completeness. I was not notified of this reinsertion, which constitutes a violation of federal law. 
2. FCRA Section 623 : Data furnishers are obligated to report accurate and verifiable information. The address associated with this account, XXXX XXXX XXXXXXXX XXXX XXXX, is factually incorrectI have never resided there. Any account tied to this address is therefore false and should be removed. 
3. FCRA Section 611 ( d ) : If a reinsertion occurs, XXXX is required to send me written notice of this action within five business days. I did not receive any such notification, further compounding the violation.
Product: Debt collection

On  XXXX   XXXX ,   XXXX  , I had an   XXXX   XXXX    performed at the  XXXX   XXXX   XXXX   XXXX   XXXX . Prior to this procedure, I was informed and signed a document stating I would be responsible for {$110.00} which I paid the day of the procedure.   A few months later I received an invoice from the University  XXXX   XXXX   XXXX   XXXX  showing an additional amount due of {$390.00}.   When I called the hospital billing department to question this additional amount, I was advised to send a letter to t he Disp  ute Resolution  Department, which I did on  XXXX   XXXX ,   XXXX  .   I followed up with phone calls and emails and received confirmation in  XXXX    XXXX   from  XXXX  in t he Dispute Resolution  Department that my letter had been received and was being reviewed. I never heard back from anyone, never received any phone calls, emails or correspondences about this matter.   I recently found out that my  credit score ;  which has been around  XXXX  for many years just dropped over  XXXX  points. After requesting my credit report, I learned that a company named  BROWARD ADJUSTMENT SVCS reported  a collection of {$390.00}, amount that was in dispute with the University  XXXX   XXXX   XXXX   XXXX . I was never informed by the hospital that my account would be turned over to a collection agency and was never contacted by  BROWARD ADJUSTMENT S VCS about this amount.
Product: Bank account or service

I requested that my checking and savings accounts at a previous bank ( Suntrust ) be closed. At the time of the request, they were both in good standing with XXXX balance. 

My savings account was closed, but my checking account was not. Additional charges were posted to the account a week after the account should have been closed. Because of this, the account is now delinquent, and I can not close the account.
Product: Credit reporting or other personal consumer reports

I trust this letter finds you in good health. I am writing to bring to your immediate attention a critical matter involving the unauthorized disclosure of my credit information. 
As an individual deeply impacted by my upbringing and surrounding environment, the protection of my personal data holds paramount importance. My unique circumstances have instilled in me a profound awareness of privacy and the crucial necessity for consent in the sharing of sensitive information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned. It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information. Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Equifax to look into incorrect information on a reported account- XXXX account # XXXX. Equifax sent an email 2 hours later stating that everything was correct. Equifax did not contact XXXX to verify information. This account was never paid late. The information in the report is incorrect. Equifax did not take the time to conduct a proper investigation and as such has violated my rights. 

In accordance with the Fair Credit reporting act XXXX account # XXXX has violated my rights. 

15 U.C.S 1681 section 602 A. states I have the right tom privacy.

15 U.S.C 1681 Section A. 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

The XXXX XXXX that I had was conducted by XXXX in early XX/XX/XXXX/XX/XX/2017 when I was XXXX. All the bills were taken care by XXXX because I had my XXXX card and did update my XXXX card number to customer service of XXXX via phone during the first time I did check-up with them. When I received a letter that I have outstanding debt that would be going to collection soon, I did call Customer Service of XXXX and double checked. The customer service representative said she did not see any outstanding balance on my medical record, and comforted me that they may send me a wrong mail cause there is someone having the same name as me living in Florida right now that might be the one with outstanding debts. I stopped calling them thinking my debt should not be an issue anymore. I recently figured out that the debt is still there based on my credit report request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft fraud. I have no idea of any of these inquiries. I have never opened any of these inquiries or I have never gave any permission to any company. Why do I have these unknown items in my report? This is a big mistake. Please review this and remove them from my credit report as soon as possible. Please investigate
Product: Mortgage

I am writing because I was trying to buy a home and the lender approved me, but then they found out that Bank of America ( my previous lender ) had waited 5 years before foreclosing on a property I had surrendered in a XXXX bankruptcy. 
So instead of having good credit ( score XXXX ) and being approved to buy a house ( thanks to the 7 year rule for bankruptcy ), I ca n't buy, thanks to Bank of America. 
How is it legal for a bank to do this? There is a law that my bankruptcy is ignored on my credit after 7 years, but apparently B of A has found a way to get around this and hurt borrowers for years and years? 
B of A actually caused my bankruptcy. They would not adjust my loans and would not explain why I did not qualify for that, and they lied to me repeated on the phone about my loans. Now this. 
If I need to word this as a complaint, it is simply that my credit should be good now, since 7 years have passed, but thanks to B of A postponing foreclosure, my credit is still bad and will be for five more years. 
Yes, the current lender had suggestions, but they boiled down to a much, much higher interest rate ( nearly 7 % ), much larger origination fees, and just a bad mortgage. So those of us who got hurt in the " recession '' of XXXX are again punished. I wo n't buy a house at nearly 7 %. 
Thank you for listening.
Product: Checking or savings account

Two unauthorized transactions : XX/XX/2021 - {$130.00} XX/XX/2021 - {$4.00} We request to the Bank an investigation due to this transaction were not realized by me through the XXXX with Logo of VISA. The Bank determined that this request does not proceed.