23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint with you today to notify you that I have fallen victim to identity theft. After reviewing my credit report, I was dismayed to discover multiple items that I did not open and have no knowledge of. In my research on how to rectify this, I learned that I need to file a report with the Federal Trade Commission ( FTC ) or visit their website at https : //www.ftc.gov to take necessary action. As per Section 605b of the Fair Credit Reporting Act ( FCRA ), Credit Reporting Agencies are obligated to remove any accounts and information listed on an Identity Theft Report. I have attached the necessary documents to facilitate the blocking of the erroneous information that has been added to my credit report without my consent. The following items are not authorized by me and do not belong to me : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX According to FCRA Section 605B ( a ), Credit Reporting Agencies are required to block any information in a consumer 's file that the consumer identifies as resulting from identity theft, within four business days of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I'm writing out of desperation. 

I'm a Bank of America customer, and have been using their credit card to pay off a balance transfer. I had set up automatic payment so that {$800.00} gets deducted every month. However, for whatever reason, this feature was turned off without my knowledge, and as a result my credit card balance went unpaid for one payment cycle. I didn't sign-in to my bank account because I assumed it was on auto pilot. 

It's weird that Bank of America didn't notify immediately but instead waited 1.5 so that they can charge me late fees. It wasn't until a week ago that I received a notice from them about the outstanding balance. I immediately called BoA and they re-set up automatic billing ( which still doesn't show up when I log into my online account ). However, the damage has been done as my credit score went from a XXXX to a XXXX. If they had notified me immediately after the first payment was missed, this would never have happened. It is irresponsible of them to wait until late fees have been added and the late payment has been reported to the credit bureau to contact me, especially given that I have never in my 20 years of being a banking customer missed a payment. 

I've always had excellent credit, have NEVER missed a payment in my life, so this is truly a major blow for my financial situation as I'm about to look for an apartment in the XXXX area but with a XXXX score, I won't qualify for housing and am looking at the possibility of being homeless. I'm trying to rectify this situation and would appreciate your help. Bank of America needs to be held accountable for what they did. 

I would like your help in removing the late payment from my credit report. 

From what I can see, they purposefully disabled my auto-pay, did not notify me that the payment didn't go through so that they can charge me late fees. In my 20 years of being a bank customer with many different banks including XXXX, XXXX, XXXX, etc. I have never encountered anything like this. However, I suspect BoA is doing this to a lot of customers to generate additional revenue in fees. They need to be investigated and stopped. This is how regular, financially responsible people like myself can go from financially stable to destitute and homeless. 

Thank you so much for taking the time to read this letter. I hope you can help me get this situation sorted out and hold Bank of America accountable. 

XXXX
Product: Credit card or prepaid card

My initial and only purchase on my new Victoria 's Secret Credit Card was made in XXXX of 2016. The total was {$120.00}. I moved following signing up for the credit card, and did not receive a card in the mail prior to traveling across country. I attempted to call Victoria 's Secret ( Comenity Bank ) at that time to make a payment,  however, without the credit card number, you are unable to do so. I was charged a late fee & finance charge prior to being contacted in XXXX of 2016 via telephone by Comenity Bank. The associate with whom I spoke indicated that she would waive the late fees and finance charges ( {$32.00} ) if I made a payment at that time ( {$37.00} ), which I did. She assured me that the late fees and finance charges were waived. However, according to records, she only waived one finance charge of {$3.00}. I called Comenity Bank back the same day to try to pay off the remaining balance, however, they indicated they can only process one payment per day. I paid off the remaining balance in on XX/XX/16 ( {$84.00} ). 

The total amount I owed VS ( Comenity Bank ) was {$120.00}. I paid off this total in XXXX of 2016. The accumulated charges on my VS Credit Card are made up of late fees and finance charges. The 2 initial late fees & finance charges were supposed to be waived according to a comenity bank representative. She did not follow through w/this. When I reached out to Comenity Bank to resolve this matter, I was confronted with a representative who was not willing to listen or come to a resolution. If someone could take the time to look through my account, they will see that the accumulated charges are not merchandise purchases, but late fees and finance charges that should not have been on the account in the first place. Due to fraudulent and predatory practices, Comenity Bank sold the " debt '' to XXXX XXXX XXXX in a total of {$330.00}. This has negatively impacted my credit, and seems absurd as the complete amount of the merchandise was paid for and is made up entirely of late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified account KOHLS/CAPITAL ONE is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Debt collection

I already have a current complaint in about this company. They wont stop calling me its abusive. They put this debt on another reporting agency the day after I filed the first complaint with this bureau, as I feel its in retaliation. I also starting to feel like the debt holders are intentionally trying to avoid looking at all documents in a dispute and trying to have verbal discussion outside the consumer financial bureau. No this is a cease and desist order on phone calls. Cant prove who you are or is its a spoofed number and I have evidence of phone call abuse from attorneys in XXXX XXXX during my XXXX XXXX claim as pro se. This company states there policy is no email, well I ended the conversation because I dont do verbal and obviously they have a email as a registered company. There is a phone record I called before this company unlawfully putting a debt on credit reports when everyone has been in the know. This dispute doesnt need more communication. The proof of unlawful activity from the state of XXXX  has been given, again, emails were sent out many many times. The law is the law. Stop abusing me. Im a XXXX man. A government official was let go for misconduct on XX/XX/2022, one of persons names involved in this case. I videotaped myself going there and passing in evidence to the Attorney general. My affidavits already proves more misconduct and abusive behavior especially to a XXXX man.
Product: Checking or savings account

On the XXXX of XXXX at XXXX went to withdrawal money from ATM ( chime ) and was unsuccessful, when I tried logging onto bank my account via mobile it said account not active, goodbye. I called them at XXXX spoke with representative from chime who stated that my that my accounts ( checking and credit card builder. ) had been authorized to be closed by their specialized team. I had asked them why it was closed they stated that I was noncompliance. I proceeded to inquire what specific noncompliance policy/ membership did not adhere to. they were unable to answer my request or give me more information in regards to why my account was closed, I proceeded to ask to be transferred to a supervisor, But was unsuccessful. The representative stated that there is nothing he can do and he disconnected the call. The following day I called back Customer Service which then stated that they were going to transfer me to a different department and that department ended up hanging up on me without even getting any type of information when I tried calling back the number would not let my phone call go through it automatically block my calls, I then proceeded to ask my fianc if I can call from his phone, I then ended up speaking with a representative that told me that he was going to be able to reopen reinstate my account to give him a couple of minutes, he then transferred me over to another representative, which was a different department that stated that they were unable to assist me in reopening the account that had sufficient funds, and that I would have to wait 30 to 60 days for them to issue out a check via mail, my checking account and credit card builder had sufficient money. I have my direct deposit from my employer and my tax return going to those accounts. I also requested if they could temporarily open the account so I may withdraw my funds from there they were unable and unsuccessful to assist with that. I also asked if it was possible that they can give me more information in regards to To which part of the noncompliance policy was not followed, nobody was able to give me an answer. I told him I have my rent to pay my kids to feed my bills to pay, This is the only Direct account that I use to make payments and transfer with. I have also filed a complaint with the XXXX XXXX XXXX. They directed me to contact the consumer financial affairs to see if there may be something this company can do to expedite the process of getting my money back. I need to pay my bills and feed my kids buy groceries. Pay my bills and I am unable to do this now. I will have late fees from my rent, and late fees for my bills I find this completely unfair and unreasonable that they are not able to work with me to be able to to get my funds. I also would like to state that I do not have a statement from them when I asked them for a statement they would said that they would not be able to send me one until they issue out the check.
Product: Money transfer, virtual currency, or money service

From XXXX XXXX, I was in a different country traveling for vacation and visiting friends. On XX/XX/XXXX, I got drugged and taken to a different part of town where my phone was stolen. After hours of finding my way back into my airbnb, to find out my emails and bank accounts have been compromised. Next day I reported the fraud to Wells Fargo to stop the bleeding. I didnt get a chance to look at my bank account to verify what they took. Until I got back this week, got a new phone and went into the bank to regain online access again. The provisional credit I was given was smaller than what I had originally before the incident. I am short {$3300.00} because the XXXX amounts they assumed it wasnt fraud and thought it was me doing it but it wasnt. All transactions on XX/XX/11 I did not authorize those. Im a little disappointed especially being a long time customer with Wells Fargo. XXXX to XXXX is somebody else trying to XXXX money to themselves. I will email them more documentation for proof. Also Ill attach documents here to prove my case on Saturday morning XX/XX/11 my phone was stolen and everything was compromised. When I got a new phone and used my old number, I see XXXX XXXX payments being sent out and XXXX. XXXX is also linked into this but is currently under investigation still.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent via certified mail copies of debt validation/verification letters to equifax that I sent to XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX and XXXX XXXX XXXX XXXX They received these copies on or about XX/XX/XXXX. On or about XX/XX/XXXX, I sent the same letters along with a copy of new letters to Equifax telling them that XXXX  XXXX XXXX XXXX, XXXX and XXXX XXXX failed to respond to my debt validation/verification letters, violated FCRA and FDCPA and asked for the debt to be removed from my credit report. XXXX has failed to remove the debt. 
By law, if a company does not validate/verify the debt with me, it must be removed from credit report because to have it on there shows they are trying to collect a debt that they can not validate/verify. I was XXXX  since XXXX due to these companies causing severe injury to my credit score and they can not even validate/verify the debt.
Product: Debt collection

Midland credit is attempting to collect an alleged debt from me the consumer. Has midland got " Direct Consent from me the consumer " or the express permission of a court of competent jurisdiction? I defiantly did not give midland direct consent to communicate to with me period .Has this alleged debt been verified pursuant 15USC 1692G? if not wouldn't it be false information if reported that I the consumer owes this alleged debt? and would it not be a violation of 15USC 1692e ( 8 ) if I the consumer disputed this false information and midland still furnished this inaccurate information on my credit report? Midland credit has violated my rights under the ( FDCPA ). pursuant 15 USC 1692k midland is liable for these actions.
Product: Debt collection

I was contacted by Midland Funding to collect a debt from XXXX. I began making payments and discovered that the debt was not mine. Midland was very coercive in getting me to agree to the payments and denied that the debt was not mine. When I informed them that I would had contacted the XXXX and would be filing a report with the FTC, they contact me and told me they would put a stop on withdrawing payments for the debt and they also refunded all the prior payments. The account was on hold.
Product: Debt collection

Requesting Validation of debt for a debt recently added to my credit report. This company has violated my consumer rights and privacy by reporting inaccurate information to reporting agencies. This company is not in compliance with the FDPCA or FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXXXXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXXXXXX Balance : {$15000.00}
Product: Mortgage

My husband and I purchased a home in XX/XX/XXXX that accommodated his XXXX as a result of two unsuccessful XXXX. Since I took a temporary family leave from my job, I was not on the loan with Wells Fargo, due to no income ; only my husband 's pension and social security were used to qualify. The downpayment of {$110000.00} did come from my XXXX. For the next two and half years, XXXX and in XXXX XXXX, my husband was XXXX and died in XXXX XXXX. For the past two months, I have been trying to communicate with Wells Fargo, both in person at a branch and by the customer service number. On several occasions, I have been given wrong information, told to send documentation ( attached to this complaint ) of his death certificate, copy of his will, completion of probate, etc. I explained that I am now 100 % owner due to joint tenants with right of survivorship, although it was also referenced in the will. Wells Fargo still refuses to allow me to discuss the loan, only the executor of the will, although I have been the one making the payments. They have made errors in applying early payments, showing as principal reduction. ( I purposely made payments to get ahead and cover the next three months XXXX. I have ask that the loan be placed in my name and under my social security number, but each time I am told I must qualify for the loan ( I just returned to work ) and pay an assumption fee of 1 %. Since I previously was in mortgage banking for 29 years, I told them they were incorrect, due to my circumstance. I was then told by the clerk that due to the Dodd-Frank Act, everyone must prove the ability to pay. I told her I just went back to work XXXX, did not qualify ; she told me to call back in a couple of years or better yet, just pay them off. Frustrated, I checked your website and found that the CFPB does not require the lender to qualify a person when it pertains to inheritance, divorce, etc. ( as I already knew XXXX. I tried called two more times, and got the same response from other individuals, although the last woman said they could speak to me only if the executor gave them permission. I explained that the probate was already complete and the paperwork had been provided to them. Clearly, I am getting nowhere but continue to provide more and more information. 
All I want to do is have the loan showing me as being responsible ( it is NOT owned by the estate ), be reported under my social security number ( not my husband 's number that now shows as being retired due to death ) and be able to speak with them to correct errors. 
Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX should not be reporting that I am ( 120 ) days late on the XXXX partial account number XXXX and the XXXX XXXX XXXX partial account number XXXX. Also, Equifax and XXXX are reporting that I am ( 30 ) days late on the XXXX XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. I have also included my identification documents for reference. ) These FOUR accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on accounts with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and all of the line items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Mortgage

We have a current mortgage with Citizens One Bank at a 4.5 % interest rate. We applied on XX/XX/XXXX to refinance directly with them. We have provided all documents and signatures timely. We have exceptional credit rating and we are only asking for a fraction of the homes value at a lower interest rate of 2.5 %. An appraisal was done on XX/XX/XXXX and paid for by us. The process finally went to underwriting on XX/XX/XXXX and we were told it would close in about 7 business days. It is difficult to talk or communicate to the loan processer. We have emails go unanswered for days or weeks and keep getting told we are close to closing. Finally as we approach the 5 month mark without being contacted by the banks " closer '', we have asked to terminate the process and have the appraisal that we paid for be transferred to our new lender, who in 3 days time has already gotten further along than Citizens One. I was told that Citizens can not transfer the appraisal. I have written to the VP in charge of Home Loans and left two voice messages. We believe that Citizens One deliberately delayed the process to keep getting interest at the higher rate. We are seeking to be reimbursed for the appraisal costs that we paid for, since they won't transfer it. I can provide correspondence, copies of emails, and timelines showing their lack of motivation to complete the re-finance process. I estimate, that if we would have closed in a reasonable timeframe 45-60 days, we have paid approximately {$1000.00} more in interest and another {$890.00} for an appraisal that they won't transfer.
Product: Credit reporting or other personal consumer reports

Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report. 
XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I disputed a Charge Off reporting on my Equifax Report with inaccurate information. The account has been closed for years and is still reporting with a monthly payment and past due balance which is not accurate. There should not be any past due balance or monthly payment if the account was closed and charged off. I sent Equifax a letter regarding this matter in XXXX and requested them to Delete the information off the report and requested a updated copy of my Credit Report, and I never received a response from them. Again this was in XXXX it is now XXXX and all they have done is stop reporting the monthly payment on the account. I never got any notification regarding this change and yet they are still reporting the account inaccurately with a past due balance. Im attatching supporting documentation showing proof.
Product: Vehicle loan or lease

I was looking to purchase my first car in early XXXX, Credit Acceptance was my approved lender... With the high interest rate, I chose to refinance in XXXX, through XXXX XXXX XXXX. Come XX/XX/XXXX, my auto loan is fully paid off through XXXX XXXX XXXX, however, I can not get my title because Credit Acceptance is claiming I still owe them over {$6000.00} for GAP and extended coverage that they claim I never cancelled. They will not make any negotiations, even though my car has been refinanced and paid off completely through another company.
Product: Checking or savings account

Well in short for several years now, I have been trying to pen a personal checking account with XXXX XXXX, TD Bank North and XXXX  XXXX XXXX. I wasn't ever given a reason at any time why they wouldn't extend to me an account. Every time I went to open an account, they open it and after a second verification process, they close the account. when I speak to a supervisor all they can tell me is there are note in my profile that say do not open an account for me, but they have the right to not share the reason and that's all I get so all I want to do is know the reason and all I want to do is to resolve the matter and repair and reinstate my relationship with the institution please help me thank you. 
Dates XXXX XXXX XXXX XX/XX/XXXX Dates XXXX XXXX XX/XX/XXXX XX/XX/XXXX Dates TD Bank North XX/XX/XXXX