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

This issue has been languishing since mid XXXX when Capital One froze our teenager 's checking account. Capital one decided they had 'to investigate ' this account which has less than {$500.00} in it. Finally, after two and a half months, Capital One decided to close the account. No communication. No indication of what happened to those funds. Outrageous that our 10 other accounts were impacted ( since resolved ) but it's theft to close an account and keep the money. We need Capital One to send our kid his money immediately. Otherwise, I will open a fraud detection alert on this account and file a case with the FBI. 

We've never gotten a sincere apology from Capital One for all the trouble they've cause, just some gratuitous form letter. At this point, we just need Capital One to return our kid 's money and we'll finish migrating our accounts to a reputable financial institution.
Product: Debt collection

The last correspondence I sent to Cavalry Portfolio Services on XXXX pertained to a demand for validation. The company has failed to provide me validation of the account and at the same time persevered with reporting the account on my credit report. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is on these loans only because I was a co sign. They were not my loans. 
I never made the payments-not one. I want them removed from my credit report, because My credit score is falsely is reported. They say it is correctly reported but it is incorrect. They say my dispute is not specific-What does that mean? 
I want them removed. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX Wells Fargo Dealer Services XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Checking or savings account

I deposited my payroll check in the amount of {$500.00} which at first I thought it wasn't accepted because I was denied access online to my checking account that I had recently opened online so I cashed the check at a local store nextdoor to my employer after receiving a email stating my checking account was being closed for unknown reasons with in 60 days then my employer contacted me stating the store was going to the police luckily my employer XX/XX/XXXX out of and they showed that the check had already been cashed so I reimbursed the store {$500.00}. And was able to keep my job after showing them the emails citigold bank sent me my boss showed me where citigold bank received the funds I contacted Citi Gold bank they was able to explain why I was denied access to the funds other than I supposedly violated the terms and my money would be mailed to me after 60 days 60 days went by I contacted the bank again and I still have not received my funds I don't understand how they can cash the check and immediately blocked my access to the funds because the check is real and they received funds from my employers bank I almost went to XX/XX/XXXXand almost lost my job and still have not received my funds from my paycheck for working 40 hours for my employer I've contacted the bank multiple times with no corporation towards me obtaining my funds I earned I don't know how they can do this legally
Product: Credit reporting or other personal consumer reports

Subject : Formal Request for Investigation and Removal of Unauthorized Inquiries from Credit Report Dear Consumer Financial Protection Bureau, I trust this letter finds you well. My name is XXXX, and I am writing to bring to your attention a concerning matter regarding unauthorized inquiries on my personal credit report, in violation of consumer protection laws. 

The specific issues are related to the following consumer protection laws : Fair Credit Reporting Act ( FCRA ) - Section 1681b ( f ) : I have recently discovered unauthorized inquiries on my personal credit report. According to FCRA Section 1681b ( f ), a consumer reporting agency may not furnish a consumer report for employment purposes unless the consumer has given written consent. The inquiries in question were made without my explicit consent, and I am concerned about the potential negative impact on my creditworthiness.

Fair Credit Reporting Act ( FCRA ) - Section 611 ( a ) ( 3 ) ( A ) : FCRA Section 611 ( a ) ( 3 ) ( A ) grants consumers the right to dispute inaccuracies on their credit reports. Given that these inquiries were made without proper authorization, I am exercising my right to dispute them and seek their removal from my credit report. 

I kindly request the Consumer Financial Protection Bureau 's intervention to investigate this matter thoroughly and ensure the prompt removal of these unauthorized inquiries from my credit report. Enclosed with this letter, please find supporting documentation highlighting the unauthorized nature of these inquiries. 

Your swift attention to this matter is essential in preserving the accuracy and integrity of my credit report. I appreciate your dedication to upholding consumer rights and fair credit reporting practices. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just find few hard inquiries on my credit report which is not authorized by me. Name of the companies are XXXX ) XXXXXXXX XXXX, XXXX ) SYNCB/AMAZON, XXXX ) XXXX
Product: Debt collection

Rental debt was reported on my credit for the sum of {$34000.00}. Have no knowledge of this and filed a police report to state the identity fraud. National Credit Systems on behalf of XXXX XXXX
Product: Credit card or prepaid card

My application was not approved with the following reason : " We were unable to approve your application because we couldn't verify some of the information on your application. '' When I reached out to the credit card company ( which itself was overly burdensome ) they would not let me know what information needed verification and they wouldn't give me any other reason for the rejection.
Product: Checking or savings account

Bank of america is highly understaffed and outsource the jobs to XXXX workers and other XXXX. As a result of that, overall operations has become a big mess. Customer service is terrible. 
On XXXX XX/XX/2022, I had a Bank of america XXXXXXXX XXXX XXXX XXXXXXXX ending in XXXX. I tried to close it. I initiated a chat - lot of wait time and after all the verification, XXXX XXXX left told me that : He can not close your account in our Chat. You would need to call for this service. Prior to that he was giving me some other excuse why the account should not be closed. I told I have already moved out the funds and please close it. 
Later he left the chat without closing the account. He gave me a phone # XXXX to call to close the account. Upon calling that phone # at around XXXX XXXX menu based robot doesn't allow to let a customer talk to a human agent. In fact robot is stating, visit website and initiate a chat. I am send in circles and it seems that due to low morale, low wages and worse treatment of humans by Bank of america management, nobody wants to do any work. Most of the hiring in bank of america is done to hire friends and family only this makes things even worse. I know lots of Bank of america employees and contractors in XXXXXXXX XXXX and other places - who literally does no work at all. 
Why bank of america can not close the account via chat? Why there is no human on the phone. My phone call was disconnected when i called. It's so much wastage of time of customers by bank of america
Product: Credit reporting, credit repair services, or other personal consumer reports

I have late payment accounts due to the pandemic. I've since gotten back on track, and the creditors still report late payments on my charges. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( F ) Reporting information during XXXX pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX XXXX ( XXXX ) pandemic during the covered period. 

( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus XXXX ( XXXX ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. 

( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current. 

( iii ) Exception Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off.
Product: Mortgage

I do ask my older mortgage company XXXX XXXX to remove my pmi when I hit LTV 78 % they didnt do anything. And now I ask my new mortgage company Newrez they still not remove my pmi even if i have paid almost half of my loan XXXX out of XXXX. And they still charge me for the whole year. According to federal law said the lender is mandatory to remove the loan pmi when reaches LTV 78 %. And they never did it
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, This complaint is in reference to the tradeline on credit file by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX See attached page from my credit report file # XXXX. ( attached file- XXXX ) This company is operating illegally. In order to comply with the Texas Debt Collection Act - TEX. FIN. CODE 392.101 a third party debt collector must post a {$10000.00} surety bond to the Texas Secretary of State. XXXX XXXX XXXX XXXX is not in compliance with this law and the violation is both civil and criminal - TEX. FIN. CODE 392.402. Also, XXXX XXXX XXXX XXXX is not registered with the Texas Secretary State, therefore, no registered agent exists in Texas to receive service of process. I want to file suit but I can not! 

Texas Secretary of State list of legal debt collectors is found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX is n't there . 

I have already disputed this information directly with both XXXX XXXX XXXX XXXX via debt validation letters per FDCPA and Texas Debt Collection Act. No response until I filed complaint with CFPB and XXXX XXXX XXXX XXXX then stated that I sent a cease and desist letter in XXXX that I never sent. 

I have have so far filed complaints/disputed : With you, Experian, via direct dispute - dispute closed XXXX. 

Also via CFPB Compliant # XXXX ( attached file- XXXX ) Texas Attorney General Compliant # XXXX ( attached file- XXXX ) This company is clearly violating the FCRA, FDCPA, and Texas Debt Collection Act. Please delete this tradeline or I will be forced to seek relief in a court of law.
Product: Mortgage

This is in response to my initial complaint XXXX regarding mortgage discrimination by Chase. Despite writing to the executive board, nothing was done other than get some random person to call me and say they received my complaint. Nothing was done and they still refused my loan. No review of their practices of discrimination, no accountability, not even the bare minimum of refunding the charge they made for conducting an appraisal. 
The bank lied to the CFPB when they said they were looking into the matter. Loan manager XXXX called me two weeks ago and said they could not honor the loan terms they provided me in writing. They are still demanding 18 months of reserves despite other big banks and credit unions confirming that 6 months was the industry norm for someone with my credit score and financial situation. 
I have a document from them with loan disclosures they have agreed to but now refuse to provide. Nothing has changed in my financial situation. Why do banks get to behave like XXXX with no accountability?
Product: Payday loan, title loan, or personal loan

IN ACCORDANCE WITH THE FAIR CREIDET REPORTING ACT CONVERGENT ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602 STATRS I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAT NOT TREAT A PAYMENT ON A CREIDET CARD OR LOAN ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR PURPOSE.
Product: Credit reporting or other personal consumer reports

On the XXXX XXXX XXXX XXXX # XXXX account that you FINALLY got the dates correct on, took forever, you removed the expiration date for when the account will fall off my credit. Why was this date removed????? Please put the expiration date back on the report so I know when the account is scheduled to fall off!
Product: Credit reporting or other personal consumer reports

I would like to dispute the inaccurate accounts on my credit report. 

Equifax : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX
Product: Debt collection

These debts in reflected charges in my account are the result of an identity theft. 

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

My issue is with Bank of America and XXXX XXXX I previously submitted a FTC report to XXXX XXXX in reference to a Bank of America, acc # XXXX. XXXX XXXX  says they followed the law of the FCRA 15usc 1681c-2. A consumer reporting agency is obligated to block the reporting of any information in the consumer 's file identified as resulting from alleged identity theft. So I opened a bank account with XXXX XXXX  And a few days after XXXX XXXX frozen and or closed my account stating that Bank of America is rereporting something on my credit report that was blocked by XXXX XXXX. I sent a certified letter to Bank of America ( tracking # XXXX ) regarding the unresolved dispute and the unanswered dispute letter i sent. This situation is not only causing me undue stress but is also severely impacting my ability to manage my finances smoothly. the lack of communication and timely action from your end is exacerbating the situation. I kindly request your urgent attention to this matter to prevent any further complications. I believe that a swift resolution is in the best interest of all parties involved.
Product: Bank account or service

XXXX XXXX of Susquehanna Bancshares XXXX XXXX, filed false legal charges against me by not give me my Rights to a Substitute Check and not fully disclosing my terms the the XXXX Police Department at the time during the interview with the XXXX Police Deparment officer named in XXXX of Pa Docket # XXXX.
Product: Mortgage

My wife and I took out a HELOC. It was pretty much maxed out but I had been paying minimum monthly payments. I had a few hiccups in XXXX but was consistently paying on it. My wife and I got divorced. I pulled out money from retirement accounts to pay off a bunch of my debts. As soon as I transferred the {$8200.00} from my checking to to that credit card account in my US BANK mobile app to bring the balance to {$0.00}, the account disappeared. I called and spoke to XXXX different rep on to find out my ex wife has it in her debt consolidation program and its been in collections since XXXX of XXXX. Its a joint account and I was never notified about the collections status nor did that show up on my credit as a closed account. Now its paid and shows as a closed account with a balance. In the divorce decree I said Id handle anything concerning the mortgage, but for it to be closed with a balance and in their collections department concerns me and infuriates me.
Product: Mortgage

I have contacted Mr Cooper about this issue twice already and currently have a third message to the company letting them know that I will also be reporting them. 
I was charged two separate charges from Mr Cooper in XXXX, 2019. The first amount was XXXX and the second amount was XXXX. My monthly payments should have been XXXX. This means that for the month of APR I should have had two additional principle payments. One for XXXX and one for XXXX. Last time I contacted, it looks like the XXXX principle was reversed and the XXXX extra escrow was reversed and then XXXX was applied to principle. There are still two " monthly payments '' that were applied. One for XXXX ( which my my correct monthly payment ) and one for XXXX ( which should be principle payment only ). Having paid and extra XXXX back in APR would mean that my XXXX and XXXX payment disbursements are not tracking correctly and I am paying extra interest every month ( since the principle amount of the loan should be less ). This also makes me uneasy about making extra payments in the future since I am having to fight to get it applied properly.
Product: Credit card or prepaid card

I was not using my credit card often due to the store being closed in my area. I had set up autopay to pay my card and noticed that my balance was not going down as expected. I also started receiving magazines that I never ordered in the mail, I checked my online transaction history and realized that I have been charged for the magazines that I have never ordered. I have been contacting the company since XX/XX/XXXX about the issue and have been told that they are unable to resolve the issue, I researched the magazine company and had to find the phone number on my own to contact a real person, number given to me by Comenity Bank was a recorded line that hangs up when you ask for a representative. The person I spoke with stated that I have been receiving magazines since XXXX ( I have not, but starting receiving them in XX/XX/XXXX ). I have been in contact with Comenity Bank, spending over 5 hours of my time trying to resolve this issue with no resolve. They are refusing to reverse the charges on my card and I explained that I will not pay at all anymore until they refund the fraudulent charges to my account they refused and stated I needed to pay for the charges for magazines that I have never ordered.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  - XXXX - This was Paid as agreed and should not be showing any derogatory information on my report. 

XXXX XXXX - XXXX - As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them. Please remove any information that the creditor can not verify. According to 15 U.S.C. Sec. 1681i ( a ), you by law, must complete this reinvestigation within 30 days of receipt of this letter.
Product: Checking or savings account

I have been a bluebird customer for over 5 years. When I started my account I was able to withdraw money from a XXXX ATM near in my area I live and not be charged. I recently noticed I have Avery high amount on my yearly atm withdrawal fees. 

For the fact when I opened my account I was able to withdraw my money without a fee. Now I have to pay the fee for the atm I use plus I have to pay the fee through bluebird. 

I'm simply asking for a one time reimbursement of some kind. I have {$250.00} in fees this year. Why is there no longer a XXXX XXXX atm in my area? why am I having to pay all the fees when there was one when I started my account? 

Ive used this card for years. I don't even want to know the total amount of this fee alone. But I'm not asking to be refunded all of it. 
I am asking to be refunded the last 365 days. 6 months atleast. On the future I will be aware of the fees and I will make myself accountable.
Product: Student loan

Mohela changed websites and after the change they lost all my payment history and reconsolidated my loans and i have lost all my payments to date as if i had never payed. none of the payment information is available online and the average wait time for a call is XXXX sometimes more. They have also purposly put an extra long menu at the in their customer service line wich makes it very time consuming and difficult to reach any human beings. the recent XXXX for that I downloaded is complety inaccurate and reflects alot less then ive payed holding me back from finishing this years taxes.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX a Personal loan as a line of credit was established with Vystar Credit Union Bank. The Personal Loan Line of Credit was paid off in full XXXX closed by XX/XX/XXXX. In XX/XX/XXXX the Vystar Credit Union started taken {$40.00} from my personal checking account for a evolving loan personal line of credit that is unauthorized by the checking account holder. The fraudulent evolving line of credit was not authorized signed and dated so therefore it an act of predator lending which am a victim to such cause of action with the bank putting a hold on the accounts.
Product: Credit reporting or other personal consumer reports

Fraud accounts due to ID THEFT. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  POLICE REPORT attached, address, emails, current bank statement, FTC and ID attached for verification thank you REMOVE ALL NON-ACCOUNT INQUIRIES PER FCRA