23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On Wednesday XX/XX/year>, I received notice from my banking institution of a new debt account placed by Ability Recovery Service XXXX XXXX, XXXX. Further research shows this entity is not licensed to conduct business within the State of XXXX  and any contact within XXXX  is void, invalid, and illegal. 

When I attempted to contact that company, I was met with hostile employees who refused to answer questions and who repeatedly hung up on me. One called back from a blocked number to threaten me and then hung up again. 

Account " verification '' includes asking me to verify my DOB by giving it to me and not securing personal identifying information. 

When asked if the address listed on their site was the address they accepted legal process service at, the employee had no idea what that was and used disparaging terms and labels. The employee is incompetent and likely illiterate, all debt collection agency employees, especially those who are hostile and deceptive, should expect legal action taken against them and know what a process server is. 

I was exceptionally rude to them in return, however consumers are not bound by federal law in the same fashion as financial service agencies are.
Product: Checking or savings account

On XX/XX/2021, I opened an account with Commerce Bank and while signing up I used promo code XXXX to receive a {$500.00} sign up bonus, but I never received the promotional bonus. 

The terms indicated : Here 's how to get your {$500.00} bonus! 
XXXX. New customers only : Click Apply Online button to open a Commerce Relationship Checking account with {$100.00} by XX/XX/2021. 
2. Make 10 debit card purchases within 60 days.

3. Have at least {$2500.00} in your account at the end of daily processing 60 days after account opening 4. Watch for your bonus coming to you! 

On XX/XX/2021, I sent a secure message requesting the status of my bonus. On XX/XX/2021, I called Commerce Bank and I was told I would be paid the bonus on XX/XX/2021. On XX/XX/2021, I called Commerce Bank and I was told that the promotion was for Kansas residents only. I indicated that I had the flyer that did not indicate the promotion was for Kansas residents only. The representatives indicated she would send the information to the research team and get back to me. On XX/XX/2021, I received a call from Commerce Bank indicating they researched the issue and will not be paying the bonus because the promotion was only for Kansas residents. I asked the representative If I could email here the flyer that I received, and she told me there was no way she could receive emails. I asked the representative that I would like to file a complaint. The representative took down my complaint and indicated I would receive a call back. 

On XX/XX/2021, I received an email from XXXX XXXX indicating that the promotion was for residents of XXXX Kansas and Commerce Bank would not honor the bonus. On XX/XX/2021, I sent XXXX XXXX a copy of the promotion that I received that did not indicate anything about a residency requirement. On XX/XX/2021, I sent a follow up email to XXXX XXXX XXXX to ask if she read my response and if Commerce Bank would be honoring the bonus after reviewing the documents, I emailed her. I have yet to hear back from XXXX XXXX XXXX or anyone else from Commerce Bank. 

After reviewing my documents, I would like Commerce Bank to honor its promotional bonus as I have met all the requirements to receive the bonus. 

Thank you, XXXX XXXX
Product: Checking or savings account

XXXX XXXX I received a deposit for XXXX from XXXX XXXX I sent XXXX to a family member in order to get cash because chime only allows for XXXX dollars atm withdrawals. I also withdrew XXXX dollars. I then transferred XXXX into my savings as I didnt want that much money sitting inside my spending account. I also put funds onto my XXXX XXXX  card. At XXXX I received an email stating my account was on hold and I had no access to my mobile app or funds. I sent in ALL required documentation they asked me for which were my ID front and back, picture of me holding my ID, proof of address. I sent them all of that. I later received an email asking me to send proof of the deposit in question which was a XXXX loan made to me and under my social. I sent them my loan documents which showed everything even where the deposit in question was going which was my chime account. That wasnt enough they then asked for proof of the deposit again but this time they asked for articles of incorporation and state registry paperwork. Im an iXXXXt XXXX Im not required to have any of that. They then closed my account and said they will not refund me for the remaining money in account and refer to section 9 of their policy ( Section 9 states if balance is 1.00 or less a refund wont be issued ) I had XXXX left all together from my checking and savings. I have given them all verifying information. They then asked me to provide a 1099 misc or invoices of service. I let them know I send invoices to my clients and I provided that and they STILL refuse to release the money to me. My invoices,1099 misc , articles of incorporation, state registry doesnt confirm the deposit. I gave them the very piece of information that confirms the deposit which is the loan documents from itria ventures themselves. Chime has even stolen money that was in my savings account before I received my loan. They are stealing from my family. My bills are past due, I have a XXXX son. I contacted a lawyer for advice who said they are violating several laws. I am required a check in the mail for any funds left over in my account. They are trying to steal money from people who need it most. Please help me recover my funds please
Product: Credit card or prepaid card

I made 2 purchases with XXXX which they were defective upon delivery or returned per XXXX policy. These were charged and disputed to my Master card under the term of my contract with Bank Of America. I received letters from Bank of America dated XXXX XXXX stating the amounts of {$17.00} and {$35.00} were refunded to my credit card and they were not. I called on XX/XX/2020 and spoke with customer service, XXXX from Bank Of America and she researched my credit card statement and confirmed these two transactions were charge to my Mastercard and were not refunded as Bank of America Letters stated. This is fraudulent business ethics besides breach of contract by Bank Of America.
Product: Credit reporting or other personal consumer reports

Experian has not replied to my dispute. I am asking Experian to delete the fraudulent accounts form my Experian Report. 

XXXX XXXX XXXX, Account # : XXXX XXXX XXXX XXXX XXXX, Account # : XXXX
Product: Mortgage

Ditech is holding {$160000.00} of the insurance companies money. It belongs to me and to my contractor so he can repair my home from a fire that occurred in XX/XX/2018. Ditech has had the money for months which they insist I sign and endorse my part of the check so they could cash it. Now they are keeping it and won't give it to my contractor who has been paying for everything since XX/XX/XXXX. How is this allowed to happen. Ditech is the worst mortgage company on the planet and nothing is ever done about it. Why? I have filed other complaints on them and they are not required to respond and they just go on providing pathetic service, keeping money that doesn't belong to them, and they also don't allow you to pay additional monies prior to the due date online on their website without displaying incorrect loan information. Now Ditech is holding up the process of rebuilding my home and I am almost out of additional living expense and I need to move back to my home asap. I hope someone can help. I also owe very little on my home, approximately XXXX and it is worth over XXXX. Why is Ditech holding onto money that doesn't belong to them when I own the vast majority of my home. Why are these rich companies allowed to take advantage of consumers on a daily basis? Just another example of what goes on in America with no consequence for their actions. I am forced to move the remaining loan balance to another lender immediately in an effort to get away from Ditech. In my personal opinion and experience I consider Ditech a predator. I will never have another mortgage in this lifetime. I am tired of not having any rights and be treated unfairly. It's very unsettling and disappointing. I thought America was better than that but maybe not ...
Product: Mortgage

we were originally trying to do a modification, then a deed in lue to get hafta relocation, our application was never processed for the hafta relocation nor the modification
Product: Debt collection

I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties this lools SUSPICIOUS AND DECEPTIVE, I demand proof " TO SEE '' Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirments are in direct violation of my consumer rights. I XXXX XXXX legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days failure to comply with these federal regulations by the FTC U.S C 41, et esq. I am maintaing a careful record of my communication with RESURGENT CAPITAL SERVICES, LP./ LVNV FUNDING LLC. , located at XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX
Product: Credit reporting or other personal consumer reports

XXXX and Experian have violated my consumer rights. 15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose so XXXX and Experian have violated this law because this late payment is reporting on Experian. 15 USC 1681a ( 4 ) says, there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXX and Experian have violated this law because this late payment reporting on Experian is a violation of my right to privacy because I didn't give them permission to report it publicly. 15 USC 1681a ( 2 ) ( a ) ( i ) says, the term consumer report does not include transactions or experiences between the consumer and the person making the report, so XXXX has violated this law because they furnished this EXPERIENCE to Experian. and I didn't give them permission to do so via 15 U.S.C 1681 Section 604 A Section 2 stating a consumer reporting agency can not furnish a account without my written instructions AND 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. Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!! I AM OPTING OUT OF ANY AND ALL REPORTING TO MY CREDIT REPORT AND CREDIT FILE OF THIS LATE PAYMENT ACCOUNT after updating it to paid on time for the account listed below. 

Account name : XXXXXXXX XXXX  Account Number : XXXX
Product: Mortgage

To summarize, housed burned down in XX/XX/2020. Reported it to the mortgage and insurance. They eventually sent me a check for {$140000.00} which was made out to both me and my mortgage company. I was told to endorse it and send it to their bank, which I did. They were suppose to pay off my mortgage and return the difference ( about 1/2 ) to me, but they never returned my half. An attorney told me to do it that way, because the ins. co. said that I don't get anything if I don't restore to the full value, but they were not giving me enough to rebuild as they wanted. I had previously tried to get Ca Dept. of Ins. to help and they referred me to a Ca agency, each taking paper work and time. The Ca agency said they could not help, and the ins. dept. then referred me to Office of the Comptroller of the Currency. OCC said my " complaint is against an entity that does not fall under the jurisdiction ... '' and they referred me to you. Today, I got a notice from the Sheriff to clean up the burned house, but I need money to do it. I thought the OCC would help and so I sent them a lot of papers that I hope they will forward to you, because I am old and tired and sent them originals. Also, the letter from OCC is made out to me and to " XXXX XXXX '' that is my middle and maiden name. Not a different person. Please help me end this night mare. I paid XXXX XXXX  XXXX. for 16 years for nothing. I so hope you are the end of the line, and can do something. Just tell me what else you want and I will get it done. I do have XXXX, and so only have about 1/2 a day each day. Took extra meds just to get this to you. Always tired.
Product: Credit reporting or other personal consumer reports

What happened : IDENTITY THEFT REPORT NUMBER Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion Credit Reporting Agency XXXX and the XXXX Credit Reporting Agency , as well as XXXX XXXX, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX, under account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  on XX/XX/XXXX under account 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 XXXX  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: Mortgage

I fell behind with my mortgage payment with Wells Fargo because my income has dropped by 20 %. also my expenses have increased. I have XXXX children in colleges. I am trying to provide them with the best education for their future. I tried to apply for loan modification several times with Wells Fargo. The XXXX time I was denied because the investor does not participate in HAMP. I filed a complaint with Attorney General. I was asked by Wells Fargo to reapply for modification. I applied again in XX/XX/XXXX I was approved for XXXX trial payments XXXX and XXXX trial payments were {$2600.00} but XXXX trial payment was in the amount of $ XXXX I ca n't believe they had the nerve to offer this deal to us- We do n't have that kind of money - We reapplied in XX/XX/XXXX was denied because they do not have the contractural authority to modify your loan because of limitations in their servicing agreement. Attached is both the approval and the denial letter from Wells Fargo. I strongly feel I am being treated unfairly by Wells Fargo and XXXX ( the investor ) - I am asking for your help to find some type of solution to save my home.
Product: Credit card or prepaid card

My XXXX XXXX XXXX mother recently XXXX away. As the executrix of her will, I am SHOCKED at the fact that she had 21 credit cards at XXXX XXXX XXXX and on fixed income. While I completely understand her responsibility in this situation, I am absolutely APPALLED that the credit card industry - and in particular some of her creditors including this Capital One Bank - saw no problem with issuing multiple credit cards to someone in that financial situation. Where is the accountability? Where are the controls? Do they even bother to run a debt to income ratio to see whether the customer can afford yet another minimum payment? Even if you assume all the cards are small enough to only have minimum payments of {$25.00} ( which was not the case here ), that is over {$500.00} per month for someone on fixed income. And XXXX knows what the interest rates were on all these accounts. 

Now, as executrix of her estate, I am getting collection letters from a recovery agency. At the interest rates these lower level card providers like Cap One charge, my mother has likely paid hundreds if not thousands of dollars more than borrowed. And they are trying to bully her heirs into paying them more. If you are giving multiple cards to someone that can't afford them, you really ought to take the loss and move on, rather than further torture the family, don't you think? You took a risk - a bad one - by issuing all these cards to someone vulnerable that couldn't pay them all back comfortably. She had a problem - and this company ( Capital One ) and many others took advantage of her vulnerability. And oh, by the way, she died from a massive GI bleed - likely brought on by XXXX. Gee, I wonder if the fact that she didn't have enough money to pay for food because of these reckless card companies practices had anything to do with that stress? 

These companies need to be held accountable. I work in this industry and we always talk about the elderly and vulnerable being taken advantage of by individuals - who is saving them from the likes of Capital One bank?
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I was incorrectly assessed a {$14.00} fee by Bank of America at the end of XXXX. I needed to call them up and spend a long time talking with them to get them to finally reverse the fee. Then at the end of XXXX I had the same {$14.00} fee taken from my account. This time I tried to correct the issue using their chat feature on their website, but they told me that the type of account I had with them ( Regular Checking ) did n't exist anymore. Finally after I failed with the chat feature after over an hour, I had to call a manager who was able to reverse the fee but still could n't explain what happened. I opened a case with the XXXX, but was never contacted back. To me I suspect that BofA is committing this fraud with a lot of their customers hoping that the customers do n't check their statement close enough.
Product: Credit reporting or other personal consumer reports

With " Accordance to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a duty to insure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX, XXXX, XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 that states " In general subject subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX ( furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless, the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never was i informed of my right to exercise my nondisclosure option. Not only that 15 USC 1681 C ( a ) ( XXXX ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law, 15 US Code 1681s-2 ( A ) ( 1 ) which states " 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. 15 US Code 1681 ( e ) states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. '' XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states " That a consumer may exercise the right to opt out at any time. " I am opting out of your reporting services ''
Product: Debt collection

this company put a account on my credit report, I never heard of them, I never received anything in writing from them. Just put on my credit report. I Called them to advised them been in past I was fraud victim and I never had a XXXX account at all. 
They told me to pay the bill or they would keep calling me about this call all day long and hung up on me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I disputed a XXXX XXXX XXXXXXXX fraudulent account on my credit report with EXPERIAN. 
I atttached an FTC report, police report, proof of my Identity and also a letter requesting that EXPERIAN remove and block this account due to fraud pursuant to FCRA 623 ( a ) ( 6 ). I sent a request for Method of verification pursuant to FCRA-611 XX/XX/2021 by certified mail with return receipt. EXPERIAN has failed to provide me with the information I have requested.EXPERIAN has continued to violate FCRA 623 ( a ) ( 6 ), FCRA 611, FCRA Section 605 B by not removing and blocking this fraudulent information.EXPERIAN has not provided me with any information to support leaving this fraudulent account on my credit report.