23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I am receiving bills from Regional Acceptance Corporation at my address. The bills are Not in my name, and I did not take out a loan with this company. The name associated with the bills is XXXX XXXX and on the detachable portion of the bill a second address is XXXX XXXX XXXX XXXX. The account # is XXXX. When I called a support line for Regional a woman gave a third address ( not mine ) trying to guess my address. It is obvious to me that this is fraud, and this corporation Regional Acceptance Corporation is trying to find a person by sending numerous bills to countless individuals in order to collect payment. I asked that this practice to cease and desist but was not willing to give my personal information so now I am seeking assistant from CFPB to investigate the business practice of Regional Acceptance Corporation. I want my address cleared and no more bills sent to my home address. And I think it's prudent to investigate the process of sending bills to random people in hopes of finding a fictional person. When I called Regional Acceptance Corporation, they were not helpful and seemed to put the work of clearing my address on me. This is a waste of my time and an extension of the fraud committed. Why is this now my problem and how does Regional Acceptance Corporation get away with this practice?
Product: Credit card or prepaid card

My Capital One Personal And Business Credit Cards where closed without any further explanation. I have had both of these cards for over two years, I have a superior credit history and never have defaulted on any of my credit cards. 

CapitalOne Spark Business Credit Card CapitalOne Platinum Credit Card I called capital one to discuss the issue, No One at Capital one or their supervisors could explain the true reason or the cause of closing both of my accounts. I have called on many occasions to speak to Capital One, I am being discriminated and undervalued due to my ethnicity and I have asked Capital One and the Superviosr said to me in your area many people like you are defaulting and causing fraud After calling Capital One to ask for my account closure, every time I called Capital One employees and their supervisors gave me rubber stamped answers. Hence, that I would receive a letter and it will explain the closure. However, I have never received any correspondence from Capital One or their employees.
Product: Mortgage

In XXXX I requested all documentation from my modification and forbearance a couple documents were sent, but not all. 
XX/XX/XXXX I requested all loan documentation for the history of the loan to be sent to me. It took XXXX additional calls to get any of the modification/forebarence information and it was not all sent until today. 

On XX/XX/XXXX at XXXX I requested a verification of mortgage and was told I would receive it by the XXXX. I called back on the XXXX and asked for it to be escalated because I was supposed to close on the XXXX. With the escalation they told me it would be XXXX hours. 

Monday the XXXX I called and they said it was still in process and did not receive any documentation that day. I finally received a fax at XXXX today XX/XX/XXXX and they sent the forbearance and modification information that was requested weeks ago, but not the Verification of Mortgage that was requested last week and escalated. By not providing the documents requested in a timely manner, or at all I am going to have to pay a reappraisal fee.
Product: Credit reporting

These items do not belong to me and need to be remove from my file. Attach you will find a copy of items and my police report
Product: Mortgage

I have a mortgage with Loancare , LLC. In XXXX, XXXX the company updated their payment site. This is the portal where the company accepts payments. When they did this, the company completely stopped recognizing my banks routing number and account number. I called the company at least twice to report this. The companys representatives told me on both occasions that this was a technical issue that would be resolved shortly. I was unable to make my monthly payments in a timely fashion via their portal and instead needed to make them over the phone. 

Now, again, I am still unable to make a payment. The process of calling and making a payment over the phone is cumbersome and has now caused me to make payments in the grace period since XX/XX/year>. 

Can you please have the company fix this The second issue is that the company does not accept debit card payments on their site or over the phone. This is the fastest and easiest way for consumers like me to make payments. 

Can you please ask the company to amend their payments to accept debit card payments?
Product: Debt collection

It shows that a collection from Florida light and power is on my credit, this account does no belong to me and I'm a victim of identity theft. 

Date : XXXX. XXXX, 2023 Your Name : XXXX XXXX Your Address : XXXX XXXX XXXX XXXX XXXX XXXX City, XXXX, Zip : XXXX, FL XXXX Dispute Department : XXXX XXXX XXXX Name : XXXX Address : XXXX XXXX XXXX XXXX, State, Zip : XXXX, MA XXXX To Whom It May Concern, 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 the charge. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Fraudulent Accounts : Collection Account Name : CSC COLLECTIONS When Account Was Open : XXXX. XXXX, 2023 Amount : {$61.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019, Amount- XXXX, no action take by company still remain the same on report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have XXXX fraudulent and unauthorized hard inquiries that 's listed on my Experian and XXXX credit report and do n't belong to me. The following hard inquiries are fraudulent and unauthorized, and do n't belong to me : XXXX XXXX XXXX, XXXX  XX/XX/17, XXXX XXXX, XX/XX/2017, I have never applied for a credit card account with XXXX XXXX or XXXX.
Product: Credit reporting or other personal consumer reports

I want these inquiries deleted because I did not authorize these companies to run my credit and this is fraudulent
Product: Checking or savings account

PNC bank purchased my XXXX bank account so I never opened this account. There was {$0.00} in this account and my debit card was never activated. The debit card was never used and never left my possession. There was a $ XXXX charge made on XX/XX/XXXX and due to the charge PNC closed XXXX account. I did not know about the charge until XX/XX/XXXX when I received a letter saying my bank account was closed. I have been on the phone with PNC bank for almost XXXX hours being transferred to random different lines. None of the employees will give their information except for first name except XXXX XXXX in the debt collection department. This is the most unprofessional bank I have ever dealt with and can not resolve an unauthorized {$45.00} transaction. How can someone trust this bank?
Product: Credit card

Comenity Bank listed me as a joint account holder despite the fact that I never signed as a joint account holder when the account was opened. I have disputed this account for several years through the credit bureaus. The actual account holder filed bankruptcy ( unknown to me ) and Comenity Bank reported this account as closed and past due for several months. When I call I am told that I do not have a XXXX account and they refuse to send me direct correspondence. I was forced to pay the account off because they continued to ruin my credit. I received a call from a Comenity Bank manager ( XXXX XXXX XXXX who claimed I should have never paid and that Comenity Bank would send me a refund ( Still waiting on the refund ). XXXX further stated that Comenity Bank should not have reported the past due amounts on my credit report and that they would send letters to the credit bureaus to correct the reporting. XXXX said I could keep her phone number and call her if I have questions, I called and left a voicemail over week ago and have yet to receive a return call. Comenity Bank refuses to send me copies of the letter they supposedly sent to the credit bureaus. I am trying to obtain a mortgage and this negative reporting has caused irreparable harm to my credit.
Product: Vehicle loan or lease

I have a payment arrangement with Santander and they continue to charge fees making it impossible to pay off I have no access to statements just transaction history
Product: Checking or savings account

I opened an account with Chase Bank in 2013. As a ten year customer I did incur overdraft fees. I tried to keep account in good standing. I reached out to speak with a representative but the conversation always ended in you are only entitled to having three overdraft fees waived per year, regardless of the circumstances surrounding the transaction.
Product: Debt collection

The account is appearing on my credit report, i have disputed this account more than once. Once it was removed it was put back on my file with a different name. Its causing damage to my credit profile and the debt doesnt belong to me. 


Source Receivables Management # XXXX Account owner : XXXX XXXX XXXX {$440.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Debt collectors who use abusive, unfair, or deceptive practices to collect debts are in violation of the law. Recovery Solutions Group , LLC left a deceptive voice message. In that voice message, XXXX XXXX stated that he had been hired by XXXX XXXX, Recovery Solutions Group, to do a complete asset and liability investigation and that he would begin on his investigation XX/XX/XXXX. In the message XXXX XXXX stated that he was working File # XXXX and would investigate Internal Revenue Service, Alcohol Tabacco and Firearms, Texas Attorney General, Insurance Commissioners Office looking for insurance fraud. XXXX XXXX is a XXXX retired XXXX veteran in poor XXXX who was very much emotionally distressed by this unconscionable harassment. We believe that this constitutes a violation of the Federal Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from using abusive, unfair, or deceptive practices to collect debts. Given the age and poor health of XXXX XXXX this egregious violation undoubtedly warrants special circumstances.
Product: Mortgage

We were in Bankruptcy and home loan with green tree! As, of XXXX XXXX United States bankruptcy court XXXX district Ohio XXXX division Judge XXXX XXXX XXXX sent copy of " Order granting trustees motion to determine final cure and payment of mortgage ( Doc. XXXX ) Served via regular mail : Green Tree Servicing LLC. XXXX XXXX XXXX XXXX XXXX, SD XXXX. 
On XXXX XXXX 2015 I was now to pay mortgage payment to Green tree since bankruptcy was over in the amount of {$1100.00}. I paid {$1100.00} on XXXX/XXXX/2015 n {$5.00} on XXXX/XXXX/2015. Payments received.XX/XX/XXXX I receive monthly billing statement for amount of {$5800.00} stating account severely delinquent stating no payments made for XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX and XXXX/XXXX/2015. The bankruptcy courts paid thru XXXX 2015 payment. The final cure shows paid in full. I paid XX/XX/XXXX payment they even thanked me on XX/XX/XXXX bill for amounts paid and I was holding XX/XX/XXXX bill in my hand and they printed it was not paid. Really seriously makes no since. We hired an Attorney to clear up this matter in XXXX 2015 he sent letter to Ditech whom took over Green tree with no response. On XXXX XXXX, 2015 and XXXX XXXX our Attorney sent more letters still no response. I have called written letters pleaded for someone to help us but to no avail has anyone been helpful. Our credit report shows we are delinquent 90 days or more to Ditech. XX/XX/XXXX monthly statement now shows no amount for current payment amount due. ' This is not a bill. This statement is for informational purposes only. Please pay bankruptcy trustee or Ditech. Omg!! Our billing statements now are being sent to our Attorney address which they wrote incorrect but he still receives them. What is going on with Ditech please help us resolve this matter.
Product: Credit card or prepaid card

In 2020 we received a court order as part of our divorce that directed my name be removed from any join accounts and that my ex wife. XXXX XXXX would be fully responsible for any charges or transactions on those accounts after the date specified by the courts. We went to the local Bank Of America branch and completed paperwork to remove my name from both the join checking account and the credit card. My name was removed from the checking account but not the credit card. 

I did not learn that they had lost this paperwork until just recently ( over two years later ). I contacted Bank of America. I completed the necessary paperwork and included the documentation from the court ordering all of this. Bank of America refuses to remove my name from the account without approval of my ex-wife despite the court orders. I no longer have any way to contact my ex.
Product: Credit card or prepaid card

I opened a credit card account with Chase in XX/XX/XXXX ( SLATE Card ) under a military program. I was XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I have been trying to fix it with CHASE and they keep on telling me that my Slate CC was not covered under that program due to some amendments. That being said, I recently opened another credit card account, the Freedom card around XXXX or XXXX of last year to consolidate all my CC accounts into that account. It so happened that they had a great offer with that account, and zero transfer for 18 months. I have been very patient with Chase to help me out with the Slate card and they kept on turning it down. I even ask them several times to let me know before I use it again to transfer some balance once again and there were no answers until I recently executed a big transfer a couple of months ago and they immediately charge that account of $ 200+ of charge fees!!! I told them that I will not use those accounts ever again and I will report them for what they have done. I need some help on these issues. I am currently paying the minimum until I resolve this issue with CHASE.
Product: Checking or savings account

Trying desperately to get important tax information from BMO and they can not pick up the phone
Product: Credit card

They are saying they dont see many of the duplicate transfers that I am seeing. 

Every time I transfer money for a credit card payment, they take the same amount but label it bill pay. 

I pay my credit card on time every month and they have charged me interest and fees. 

I add money to a gift card they take the same amount but I dont have the duplicate as credit on my cards. The bank takes it. 

I dont know how this is even possible. 

Bank of America
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries by Equifax Mtg on XX/XX/2017 listed on my credit report and my wife 's credit report. We have no recollection of giving permission for these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting in my file. 

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 XX/XX/XXXX
Product: Credit reporting

I called TranUnion ( XXXX option XXXX then XXXX ) on XXXX/XXXX/16 and spoke to a XXXX in the consumer relation department at XXXX in regards to all my inquiries being removed and added back on. XXXX stated to me that I need to talk to the creditors who reported the inquiry. I explained that I already did and I also explained that I sent TranUnion a copy of the correspondence and explained that I was a victim of fraud and he sees the alert on my account and still refused to help me. The previous advisor removed the inquiries because of the fraud and now it 's back on there. Please help they do n't care about the consumer and the damage this has done to my credit profile.
Product: Debt collection

This company is charging for things that are not suppose to be on my credit report do not know this company or the company it represents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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 XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/year>, I tried to open a checking account with Ally by depositing a check from XXXX for {$10000.00} that I received as an insurance settlement when I turned XXXX. Ally froze the account and funds after determining that the check was suspicious. They've told me that they couldn't verify the check and have closed my account, removing access/blocking me from bank access. XXXX confirmed that the check was cashed on XX/XX/year>. Ally refuses to explain where the funds have gone, how I can acccess them, why they closed my account, or anything else. They refuse to escalage my calls to a superior. I now have no way to regain access to my money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX Date : XX/XX/year> To : SageStream , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Request to Update Public Records with Phone Number Dear SageStream Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX MA XXXX XXXX XXXX XXXX, XXXX, SC XXXX
Product: Credit reporting or other personal consumer reports

Hi, my name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over XXXX  days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside XXXX  days offers a purpose to straight away remove those items from my credit report. Its been over XXXX  days so they have to be deleted directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was applying for an apartment and kept getting denied because they can not pull my Equifax credit score nor report because its saying I dont have a score. I contacted my creditors to make sure it was not a problem with wrong information. My creditors is reporting my credit to Equifax but they is not postings it on my credit file nor giving me a score.
Product: Mortgage

The home was sold due to fraudulent activity. We are considering filing a lawsuit. Please see attached documents.
Product: Credit card or prepaid card

I bought this watch from XXXX XXXX XXXX for my sons graduation from XXXX XXXX XXXX I went to fitting room and I left my watch in there not knowing what I did i went to the main cashier paid for my other items as I was unloading I suddenly realized that I didnt have my watch I immediately ran inside and to the filling room sadly it was gone I called navy federal and report the insident today I received this insulting letter not only I lost I also have to pay for the lost is that fair?????