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

My name is XXXX XXXX SSN : XXXX. RECENTLY Capital one closed my accounts ending in : XXXX XXXX XXXX DESPITE ALL OF THE REASONS BELOW NONE OF THE REPRESENTATIVES COULD HUMANIZE WITH ME EVEN THOUGH I HAVE AN OUTSTANDING HISTORY WITH CAPITAL ONE : I have had this capital one account for over 3 years. I added my family as authorized users. I verified 9 out of 11 accounts. They shut down my accounts and I have been a good paying loyal customer for years. I am very upset about how they did business with me I have never missed a single payment but they shut down my account for me adding my family as authorized users. I COULDNT GET IN CONTACT WITH 2 OF THE PEOPLE LISTED. NOW THIS IS RUINING MY REPUTATION. 

IF MY ACCOUNTS ARE NOT REINSTATED I AM GOING TO FILE COMPLAINTS WITH THE BETTER BUSINESS BUREAUS, FTC, AND ETC. I DONT WANT TO DO THOSE THINGS SO I AM GIVING YOU GUYS AN OPPORTUNITY TO HEAR ME OUT. THIS HAS AFFECTED MY CREDIT SCORE. THESE ACCOUNTS NEED TO BE FIXED IMMEDIATELY. 

XXXX TELL THE CEO OF HOW THE LOWER REPS ARE TREATING LOYAL CUSTOMERS.
Product: Debt collection

Disputed for inaccurate information and it was not removed from my credit report
Product: Mortgage

When the property went underwater, a loan mod by XXXX was declined. Foreclosure followed. After years the lawsuit was settled. the consent agreement is attached, paragraph XXXX states : XXXX. Plaintiff and all of its agents and assignees agrees to waive and release Defendants from any and all actions, causes of action, suits, claims, demands, liabilities, obligations, damages, trespasses, whatsoever, known or unknown, express or implied, vested or inchoate, at law or in equity ( hereinafter " Claims '' ), from the beginning of time up to and including the date of this Agreement. This release only relates to the loan that is the subject of the instant foreclosure action. 
Nevertheless XXXX filled negative reports to the Credit Report Agencies, harming my score. 
After the consent settlement XXXX sold the note to a Trust, see attached Motion to change lawyer. BSI Financial Services is the servicer for the trust. 
Neither XXXX nor BSI informed me about the transfer of the note as required under TILA, FDCPA and FL STAT XXXX. 
In a Motion to cancel the foreclosure sale ( attached ) BSI states they send a letter regarding Loan Mod, as of today we have not received this letter. 
Furthermore BSI reports to the Credit Report Agencies that we are in foreclosure on the same note. 
Threw this reporting my credit was heavily damaged, now I am unable to get a new loan do to the low credit score. Nevertheless it is a violation of the consent agreement too.
Product: Money transfer, virtual currency, or money service

A friend of mine sent me money through XXXX on XX/XX/XXXX. XXXX payment for {$970.00} and XXXX payment for {$940.00}. I reached out to my friend and he didn't authorize these payments so we both reported them as fraud. Someone had hacked his account so I told him to change his password. XXXX XX/XX/XXXX after nothing had been done I transfered money back to him through XXXX for {$1900.00} ( the total of both payments together ) and then I called him to verify that he received the funds and he confirmed that he did. On XX/XX/XXXX XXXX locked out my account and wouldnt re-instate it without receiving {$1900.00} from me as a repayment. I emailed them and told them that I had already returned the funds. On XX/XX/XXXX I received a response from XXXX saying that they were working on it. A couple email exchanges and then they told me it could take XXXX  days. I asked my friend to reach out to his bank and he did. My friend told me that his bank informed him that this was a XXXX issue and that they didn't have the money. Yesterday XX/XX/XXXX I informed XXXX that I would be filing a report if they didn't give me my money back ( {$1900.00} )
Product: Debt collection

Repeating phone calls, multiple times per day, asking for somebody who had previously owned the phone number I am now using. I have told them each time that this is a new phone number for me and that I do not know who they are looking for, each time they acknowledge what I say, tell me they wo n't call again, then call two more times the next day. They also hang up on me before I get a chance to tell them to remove my phone number. I was told that my number would be removed from the account they are trying to get ahold of, the calls stopped for three days, then continued twice as often as before.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 an 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

On XX/XX/2020, CITI CARDS CBNA add a hard inquiry on my credit report per XXXX
Product: Student loan

After being on a income sensitive repayment plan for 15+ years in XXXX I contacted Navient to discuss my options after receiving a bill for 6 times what I had previously being paying. I was told that I no longer qualified for any reduced payment options anymore. The only thing I could do was enter into forbearance and pay what I wanted each month. The forbearance ended and in XXXX again I contacted Navient for support because the monthly payment was again enormous. I sent in my documents again ( paystubs and application for reduced payment ) and again I was told it was not an option for me. The only option I had was another forbearance. I'm nearly at the end of this forbearance and I'm concerned about the same outcome. I believe I have been purposefully misguided. I am a public servant and work at a school. Please help with any guidance possible.
Product: Credit reporting or other personal consumer reports

This account was charged off on XX/XX/XXXX, Since then the account has been updated as charged off every month. This is an update in the payment history. A charged of account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$0.00} Closed Overview Youre currently using 0 % of your account 's limit. 
Balance : {$0.00} Credit limit : {$500.00} Account details Account Number XXXX Account Status Charge Off Open Date XX/XX/XXXX Last Activity XX/XX/XXXX Type Credit Card Responsibility Individual Remarks Purchased By Another Lender Times XX/XX/XXXX Days Late XXXX Month 's Reviewed XXXX XXXX Source Type High Balance {$690.00} High Credit {$500.00} Monthly Payment {$0.00} Current Payment Status Collection/Chargeoff Amount Past Due Payment history No history is available Creditor information OLLO/TBOM XX/XX/XXXX {$0.00} Closed Overview Youre currently using 0 % of your account 's limit. 
Balance : {$0.00} Credit limit : {$500.00} Account details Account Number XXXX Account Status Charge Off Open Date XX/XX/XXXX Last Activity XX/XX/XXXX Type Credit Card Responsibility Individual Remarks Charged Off Account Times XX/XX/XXXX Days Late XXXX Month 's Reviewed XXXX Term Source Type High Balance High Credit {$500.00} Monthly Payment {$0.00} Current Payment Status Collection/Chargeoff Amount Past Due Payment history Youve made 86 % of payments for this account on time. 
XX/XX/XXXX {$0.00} Closed Overview Youre currently using 0 % of your account 's limit. 
Balance : {$0.00} Credit limit : {$500.00} Account details Account Number XXXX Account Status Charge Off Open Date XX/XX/XXXX Last Activity XX/XX/XXXX Type Credit Card Responsibility Individual Remarks Unpaid Balance Reported As A Loss By Credit Grantor, Transferred To Another Lender Times XX/XX/XXXX Days Late XXXX Month 's Reviewed XXXX Term Source Type High Balance High Credit {$500.00} Monthly Payment {$0.00} Current Payment Status Collection/Chargeo XXXX XXXX XXXX XXXX
Product: Debt collection

I AM A VICTIM OF IDENTITY THEFT PLEASE REMOVE ALL ITEMS.
Product: Checking or savings account

I am writing to formally lodge a complaint regarding the recent closure of my account with Bank of America without prior notice, and the subsequent holding of my funds without a clear timeframe for release. This situation has caused significant distress and inconvenience for me, as I am currently in dire need of accessing my funds. 

On XX/XX/2024, I discovered that my account with Bank of America had been closed without any prior notification or explanation provided by the bank. Upon contacting Bank of America 's customer service, I was informed that my funds were under review and that there is no definitive timeframe for their release. Despite numerous attempts to seek clarification and resolution, I have been met with vague responses and no concrete steps toward resolving the issue. 

It has now been more than a month since my account was closed, and I am still unable to access my funds. This has caused severe financial hardship for me, as I rely on these funds for essential expenses and financial obligations. The lack of transparency and communication from Bank of America regarding the status of my funds is unacceptable and has only added to my frustration and anxiety. 

I urge Bank of America to promptly address this matter and provide me with a clear explanation for the closure of my account and the continued hold on my funds. I expect a timely resolution that allows me to regain access to my funds without further delay. 

I appreciate your prompt attention to this matter and request that you provide me with updates on the progress of resolving this issue. Failure to address this complaint satisfactorily may result in further action being taken.
Product: Credit reporting or other personal consumer reports

Hello, I have been sending in dispute challenges with Equifax for several weeks. Action on my behalf has not been taken by the company, despite verifying my identity and what I needed. I have asked them to share their method of procedures when it comes to verifying the inaccurate reporting. I am demanding this account to be removed from my consumer report. I am looking to purchase a home and my underwriting is telling me I have to contact Equifax to rectify this issue.
Product: Credit reporting or other personal consumer reports

I told XXXX, XXXX, and Equifax to reinvestigate these accounts XXXX ) XXXX XXXX XXXX Account # XXXX XXXX ) XXXX XXXX XXXX  Account # XXXX XXXX ) XXXX Account # XXXX XXXX ) XXXX  XXXX  Account # XXXX XXXX ) XXXX XXXX  Account # XXXX XXXX ) XXXX XXXX XXXXXXXX Account # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

Request to Remove Bankruptcy Entry from Credit Report : I recently reviewed my credit report and noticed a bankruptcy entry that appears to have been reported in error. I have never filed for bankruptcy, and no court has reported such information on my credit file. 

I formally request an immediate investigation and removal of this incorrect entry to ensure my credit report accurately reflects my financial history. Please find attached a copy of my identification for verification purposes, along with a letter from the courthouse confirming that no such bankruptcy filing exists. 

Under the Fair Credit Reporting Act ( FCRA ), I expect prompt action to correct this error, as it has negatively impacted my ability to secure credit. Please provide written confirmation of the deletion of this erroneous entry as soon as possible. 

Thank you for your prompt attention to this matter. I look forward to your swift response. 

Additionally, while this matter is under dispute, I am requesting that all collection efforts be immediately ceased, and that no negative information related to this alleged debt be reported to any credit bureaus. Any negative reporting during this period will be considered a violation of my rights under the FDCPA. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

I obtained a mortgage payoff for a refinance. I bought the home for {$59000.00} in XXXX. In XX/XX/XXXX I owed {$50000.00} on the mortgage. When the payoff arrived, it was inflated to {$64000.00}. Wells Fargo claimed this was for escrow. I have records where the payments were applied to escrow. So it's not possible that I owe {$64000.00} when the loan balance is {$50000.00}
Product: Mortgage

I have been asking for a payoff demand and I did receive them. However the payoff demands are for XXXX and for XXXX and the month of XXXX the payoff demand is higher than the payoff amount in XXXX. I have been approved for a loan and are waiting on the updated payoff demand since XX/XX/ that was requested via fax and email and we are yet to receive the payoff demand. Escrow is unable to move forward with anything without the payoff demand. I have a trustee sale date of XX/XX/ which is why we call and email daily asking for a payoff demand and we are yet to receive it. I believe the lender and the servicer are purposely holding my payoff demand. I frankly believe they are wanting to foreclose on my property without giving me a chance to pay them off in full. All I need now is my payoff demand and an additional 15 days to closed escrow properly. I am asking that the trustee sale date is postponed for 15 weekdays to ensure everything is done properly since providing a payoff demand has delayed this long.
Product: Debt collection

I had to go to the emergency room in XXXX. After which I recieved a bill from XXXX XXXX for XXXX. I did not owe the debt because I was covered by XXXX and have been since XXXX. The debt went into collections with COLLECTION CENTER-WY Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX I have disputed the charges and provided the needed documentation from XXXX to show ibdo not owe the debt. XXXX XXXX has verified I do not owe the debt and has taken it out of there system. COLLECTION venter of WY however has basically refused to do so.
Product: Credit reporting or other personal consumer reports

Transunion and XXXX is not reporting the correct balance. The other consumer reporting agencies are and Transunion is preventing my accurate score from reporting if they are not reporting the correct balance. I am seeing the same pattern with other accounts thats reporting to Transunion.
Product: Credit card or prepaid card

An interactive website of Bank of America ( BAC further ) recommends me to apply for credit cards as limited time offer ( screenshot is attached ). And on XX/XX/2018 I submitted my application. In a few minutes later I was informed that BAC needs to gather more information to make a final decision. 
On the next day, I expected that someone from BAC will reach me either by phone or email to gather more information ( proof of employment etc. ). No one contacted me. On the next day I have reached BAC customer service and asked about my application status and explicitly told that if there are problems with my application, - I would like to withdraw it. Customer service representative placed me on hold and then transferred to another person from the credit card department. He told that he reviewed my application and denied it since I have filed bankruptcy within recent two years.

I am not criticizing this BAC policy and accept it. However : 1. If my application is clear reject why I received a message about gathering more information instead of receiving an honest answer right away?

2. BAC system is fully aware of my finical situation ( I have here direct deposit and Platinum tier of Preferred Rewards ). Why BAC interactive website offers me limited time offers that by default will not be approved? It is like advertising an alcohol to underage kids or ice cream for diabetics. Unethical.

3. My request to withdraw my application - if something is wrong- was neglected. Why? I have clearly expressed it.

4. I was not aware of this BAC policy since limitations/restrictions were not posted by BAC in credit card advertisement page.

In the summary as the result of BAC misleading advertisement - I received the negative record, FICO score drop, 2 days of waiting and frustration. All of this was possible to prevent. 
Even after my application rejection, the BAC system continues to offer credit cards to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, Base on, 15 U.S. Code 1666 ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor, because I am a victim of identity theft! Please remove these accounts as soon as possible!

Based on.

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of my information, the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt.

Its been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible! 



UNAUTHORIZED ADDRESSES : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX Accounts : XXXX XXXX Bankruptcy Account XXXX Account XXXX Balance XXXX XXXX  {$0.00} XXXX XXXXXXXX XXXX Account XXXX Account XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Account XXXX Account Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Account Opened XX/XX/XXXX Balance : {$420.00} XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Account Opened : XX/XX/XXXX XXXX : {$420.00} Unauthorized XXXX : Inquiry Name : XXXX XXXX XXXX Inquiry DateXXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXXXXXX Inquiry XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Please Remove XXXX XXXX XXXX  and it's other names ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX from my credit report.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX. 
XXXX. XXXX. 
XXXX. 
XXXX. XXXX. 
XXXX. 
AFFIDAVIT OF IDENTITY THEF XXXX, being duly sworn, hereby depose and state : Identity Information Name : XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX, Texas XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Affirmation of Identity Theft I affirm that I am a victim of identity theft. I am challenging a dispute with a Federal Trade Commission ( FTC ) report regarding the following unauthorized accounts and inquiries that have appeared on my credit report. Unauthorized Accounts to be Removed The following accounts are fraudulent and were opened without my consent : XXXX XXXX ( XXXX ), Date Opened : XXXX XXXX, XXXX, Balance : {$39000.00}, Account : Charged off XXXX XXXX ( XXXX ), Date Opened : XX/XX/XXXX, Balance : {$34000.00}, Account : Charged off XXXX XXXX XXXX ( XXXX ), Date Opened : XX/XX/XXXX, Balance : {$21000.00}, Account : Charged off XXXX XXXX XXXX ( XXXX ), Date Opened : XX/XX/XXXX, Account : Closed XXXX-XXXX XXXX ( XXXX ), Date Opened : XX/XX/XXXX, Balance : {$3400.00}, Account : Collections Unauthorized Inquiries to be Removed The following inquiries were made without my permission : XXXX  / XXXX XXXX  / XXXX XXXX XXXX XXXX / XXXX XXXX XXXX / XXXX XXXX XXXX/ XXXX XXXX XXXX / XXXX XXXX XXXX XXXX  / XXXX Request for Updates For the account below, please update the payment dates for XX/XX/XXXX and XX/XX/XXXX : XXXX XXXX  ( XXXX ), Opened Date : XX/XX/XXXX, Balance : {$59000.00} Legal Justification Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute the accuracy of these items and request their removal due to violations of my federally protected consumer rights. Specifically : 15 U.S.C. 1681 Section 602A guarantees my right to privacy.

15 U.S.C. 1681 Section 604A ( 2 ) prohibits reporting agencies from furnishing accounts without my written consent.

15 U.S.C. 1681c ( a ) ( 5 ) restricts adverse items older than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) states that no inaccurate information should be furnished.

Notice of Compliance If the accounts listed can not be verified, they must be removed immediately in accordance with FCRA Sections 609 & 611. Failure to respond satisfactorily within 30 days may result in legal action.

Further Affiant Sayeth
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had paypal since XXXXnever reported to credit bureaus!!! When they extended credit they would ask and I never ever applied for credit I had a paypal number!!!!! Since synchony bank took over they started to report!!! I called paypal and they said no we do not!!! due to the extended 6 months no interest on purchases!!! This bank now charges XXXX dollars with just minimum payment!!! I sent payment during this virus of XXXX and told them to not charge interest along with minimum do but they keep on calling this is terrible I never applied for their credit because I knew its a bad bank ... ....
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX is reporting on my personal credit file with Equifax credit reporting agency. This account was opened fraudulently. The account liabilites on my credit report are absolutely confusing and incorrect. Please produce the contract used to verify this account because I have none with them and the information you have is inaccurate. 

( XXXX XXXX XXXX  XXXX )
Product: Credit reporting or other personal consumer reports

please, what is it to you? defending apple as if they even care about you. you are defending criminal activity and not bringing justice to the people even when its literally your job. Sounds like a POWER TRIP. 

There is many inconsistencies from this across bureaus and they have re-aged my account for 13+ months straight. Re-aging is illegal under the FCRA ( Fair Credit Reporting Act ).