23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Wells Fargo Bank, XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Subject : Denial of Credit Request Under UCC 2-325 Dear To whom it may concern, OPPORTUNITY TO CURE 2ND ATTEMPT I hope this letter finds you well. I am writing to express my concern and disappointment regarding the recent denial of my request for a " Confirmed Credit '' under UCC 2-325.

I submitted my request for a " Confirmed Credit '' with the understanding that it met the necessary criteria and requirements, as specified under the Uniform Commercial Code ( UCC ) 2-325, which pertains to " Letter of Credit. '' It is with great disappointment that I received a denial for my application, as I believed it to be compliant with the relevant provisions.

I kindly request that you provide me with detailed information regarding the reasons for this denial. It is of utmost importance to me to understand the specific aspects of my request that did not align with the requirements of UCC 2-325. This transparency will allow me to rectify any issues and reapply accordingly.

As a conscientious business partner, I am committed to adhering to the established legal and financial standards set forth under the Uniform Commercial Code. I firmly believe that my application met these standards and should not have been denied. Your feedback on the reasons for this denial will be instrumental in ensuring my future applications are in compliance with the relevant regulations.

I kindly request that you provide a written response within a reasonable timeframe, outlining the specific reasons for the denial and any steps I can take to rectify the situation. Additionally, if there are any specific requirements or documentation I should provide in a revised application, please inform me so that I can address them promptly.

Thank you for your immediate attention to this matter. I look forward to receiving your response and working together to ensure that future requests for " Confirmed Credit '' are handled in accordance with UCC 2-325. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Bank of America claims that I " jointly owned '' a closed account at their bank but will not furnish information to prove such. This account has harmed my credit. I have requested access to and/or proof of ownership both in writing and verbally XXXX  occasions but they refuse to comply. I have requested this information from XXXX  different associates. 
According to their own policies I am entitled to this information. 
One should not have to go to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX.
Product: Credit card or prepaid card

I am trying to purchase a home and everyone has been super cooperative and understanding, except Kohls Department Store. My lender, credit reporting agency and myself have been trying to get them to help us for 45 days and have made buyers and sellers wait, putting them in financial hardship. We have spoke to numerous people, got numerous promises, spent hours on hold, contacted headquarters, and have been yelled at and treated poorly in more times then not. We asked for two things that were needed to get my loan and purchase home. One was a zero balance letter that finally received after 30 day of inquiries and waiting. The next was a 30 day late I had when i was sick during pandemic. I have been a valued customer for over 20 years. I was verbally told yes twice and then called and said it was completed. Now i received a letter stating the will not do this. I have spent so mych money on appraisal and attorney to after 45 days have the deal fall threw because of one company and a unique situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lendmark financial illegally furnished information to my consumer report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Every condition under 15 USC 6802 was not met to publish my non public personal information. My rights as a consumer to protect my non public personal information were violated by Lendmark Financial.

Under 15 USC 1681b ( A ) ( 2 ) a consumer reporting agency can only furnish my consumer report if it has written instruction from me the consumer. I have not gave consent to any consumer report agency to furnish my consumer report. 

Under 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy
Product: Vehicle loan or lease

I originally lease this vehicle as a company car. It was registered under XXXX XXXX XXXX XXXX And XXXX XXXX XXXX XXXX 
After the 3rd year of leasing I opted to buy the car in XX/XX/year>. In XXXX I noticed the paperwork was done incorrectly. I email the dealer after receiving an email about the registration to the car and noticed the companys name was removed. I asked the finance person to make sure to keep the car is registered under both, the company and my name. her responded by email was that it cant be undone. She removed the companys name and now refuses to fix it. I went to DMV and they told me that Honda has to reprocessed the paperwork. In the meantime, I dont have a valid registration and cant drive the car.
Product: Debt collection

XXXX XXXX XXXX ( XXXX... ), {$1100.00} XXXX XXXX XXXX ( XXXX... ) {$1100.00} SUNRISE CREDIT SERVICE ( XXXX... ), {$3500.00} SUNRISE CREDIT SERVICE ( XXXX... ) XXXXXXXX XXXX  ( XXXX... ) {$4600.00} claiming that the government has secretly placed me as security for countries debts i have these beliefs, understanding the uniform code to discharge us from responsibility for their debt 15 usc 1681b A consumer reporting agency shall block the reporting of my information and the file of a consumer that the consumer identity as information it has been 30 days you are in violation of this law because I am a victim of identity. Therefore, please delete all items immediately these accounts should not be furnished or my consumer report, as they are in violation, permissible purpose of consumer report a in general submit to subsection C any consumer reporting agency may furnish a consumer reporting under the consumer to whom it relates. I never gave any consumer reporting agency ready consent as a consumer I am demanding the deletion of all accounts listed immediately. 


If you have any debt reporting and violates your right as a consumer, all bills are to be filed 1099 seven form B back to identifiers of debt discharged be announced to disclose your rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX balance {$3700.00} - You have been reporting inaccurate information and this is a violation please remove. 

XXXX XXXX XXXX balance {$2600.00} - This account has the wrong balance. Please remove this account because inaccurate information. Remove this account. 

XXXX/XXXX XXXX XXXX balance {$850.00} - Account is reporting inconsistent and inaccurate, please delete this account. 

XXXX/XXXX  XXXX XXXX balance {$1800.00} - This account has been paid, please remove Immediately. 

XXXX/XXXX  XXXX XXXX balance {$3300.00} - This account was taken care of with original creditor prior to going to collection, this is an Error Please remove this account. 

XXXX XXXX XXXX XXXX balance {$460.00} - Delete this Unknown account unless you can provide me with proof of a contract with my signature. 

XXXX XXXX XXXX XXXX balance {$2600.00} - Reporting unknown which means it's incomplete, please delete this account. 

XXXX XXXX XXXX balance {$900.00} - Delete this unverified and inaccurate account. 

XXXX XXXX XXXX balance {$850.00} - This account has several violations : You are reporting a re-aged open date, Reporting a past due amount on collection account, and a incorrect Date of last activity. Please delete for violations. 

XXXX XXXX XXXX balance {$780.00} - This account was transferred to another collection company you are reporting this duplicate account. 

XXXX XXXX XXXX balance {$740.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX balance {$1300.00} Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau. 

XXXX XXXX XXXX balance {$5300.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX/XXXX  XXXX balance {$1400.00} Charge off - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report.
Product: Debt collection

I did not receive any notification that this debt was sold to AD Astra Recovery Services nor was I able to confirm or deny this debt is valid. Additionally, the debt was removed from my credit report in XXXX  2016 and now has reappeared. The debt does not meet the requirements set forth by The Fair Debt Collection Practices Act ( FDCPA ) and The California Fair Debt Collection Practices Act ( CFCPA ).
Product: Debt collection

Citi bank credit cards entity has garnished my chase account 3 times in the past 14 months for the amount of {$2200.00} plus fees from bank {$300.00} {$100.00} dollars each time they garnished my account three times I owe {$2700.00} to Citi credit card the last time I stop paying them around XX/XX/year> due to a car accident XX/XX/year> I had call them and explain but a year later i find out that I have a judgement I told my lawyer and I never heard from Citi credit card company until I got to court and find out I was judged through Citi credit cards to garnish my bank account before I went to court I ask for help to the judge he judge me for not paying and gave the rights to the company Im a XXXXe mother have a XXXX XXXX XXXX I work part time and take my son with me everywhere I need help I cant and I dont have money for a representation the lawyer I hold on to is a lawyer for my accident!!
Product: Credit card or prepaid card

My stimulus card was stolen. I filed a police report. I viewed a picture of the woman who completed the transaction I did not know her. I filed a dispute with eipcard/money network. They declined my dispute before I even submitted the forms. I submitted an appeal as advised. I called multiple times. I would get transferred, hung up on left on hold. Everyone would give me different answers to my questions. Nobody would give me information on their company so I could go up the chain of command. I requested multiple times why my dispute was declined. I spoke with someone yesterday and found out my appeal was declined but no one will explain why. I cant speak to that department. I cant speak to anyone who can help. Someone used my card on XX/XX/XXXX. I filled a police report my card number is XXXX XXXX XXXX XXXX. I Spoke to officer XXXX at the XXXX XXXX Police department at XXXX XX/XX/21. Case # XXXX dispatch number XXXX. I have tried and tried to resolve this issue. I am a victim of theft and this company refuses to do anything to resolve the issue. They have been extremely difficult to work with and impossible to get anyone helpful to fix this issue. Please please please help me resolve this issue.
Product: Credit reporting or other personal consumer reports

ON XX/XX/year> I MAILED FTC IDENTITY THEFT AFFIDAVIT REPORT # XXXX & # XXXX TO TRANSUNION THROUGHT CERTIFIED MAIL, NOTIFYING THEM THAT IM A VICTIM OF IDENTITY THEFT. TRANSUNION RESPONDED THAT DISPUTED ACCOUNTS WERE VERIED AS MY ACCOUNTS. TRANSUNION DID NOT DELETE FRAUDULENT ACCOUNTS OR DID NOT PROVIDE VALIDATION OF ACCOUNTS. 

THE FRAUDULENT ACCOUNTS ARE AS FOLLOWS : XXXX FORMERLY XXXX OPENED XXXX {$16000.00} XXXX XXXX OPENED XXXX {$1500.00} XXXX XXXX XXXX XXXX {$990.00} XXXX XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX CREDITOR ) XXXX XXXX {$5800.00}
Product: Credit card or prepaid card

Bank of America has both admitted fault in the handling of my dispute AND refused to take responsibility of their negligence. I 've spoken with Managing Director XXXX XXXX of the LOB responsible, who was as bold as to argue that they are not responsible for what his Claims associates say on the phone, nor are they responsible for what they do or do n't do as a result of a customer conversation in the Claims process. 

Specifically : *We made a purchase, it turned out to be different than what was described ( with contradictory pre and post transaction descriptions of the product from the merchant himself, i.e. a  slam dunk case ) *BAC took the claim *They denied the claim asking for a second opinion *I called, offered the second opinion, reviewed all other additional information ( see attached ) *BACs representative said the second opinion actually is not required, they would pursue the claim without it *Following BACs direction I called 2 times to verify the claim process was on track, BAC confirmed both times they were waiting to hear back from the merchant *3rd time, BAC rep realized they never actually continued the claim as previously promised, said I 'm out of luck *I escalate *Their Executive Relations team reviews my case, pulls the call where in which the representative promised to move forward without second opinion *ER REP LISTENED TO MY CALL AND OPENLY ADMITTED THE BANKS WRONG DOING ( her name was XXXX ) *ER had the LOB review again, but they denied any further consideration *I asked for the LOB contact information directly ( ER was happy to provide it ) *After a short debate ( first line LOB contact with XXXX XXXX ), the LOB ALSO OPENLY ADMITTED THE BANKS WRONG DOING , but argued they did at one point ask for second opinion, to which I technically did not provide ( because they told me not to, this again happened in the call recording that the ER rep pulled and saved ) *LOB promised to send to their manager, rather I was given back to ER, only for them to say again the LOB will not consider any further *This ER rep and I talk at length ( XXXX ), SHE ALSO OPENLY ADMITTED THE BANKS WRONG DOING, offers escalation *I talk to their " managing director '', he holds ground, refusing to discuss any logical or rational reasoning, just stating repeatedly that they did ask for something and technically I did not provide it ( again, because they said not to ... the MD at least avoided admitting any fault ). 

This ca n't be possible, right? Please see attachments.
Product: Credit reporting or other personal consumer reports

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, Experian, Equifax credit reporting agency , 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 Accounts : XXXX XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$12000.00}, XXXX XXXX XXXX XXXX XXXXt # XXXX date opened XX/XX/XXXX bal. {$8600.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX date opened XX/XX/XXXX bal. {$2000.00} XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$890.00} XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$880.00}, XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$830.00}, XXXX XXXX XXXX Account XXXX : XXXX date opened XX/XX/XXXX bal. {$750.00}, XXXX XXXX XXXX Account XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$640.00}, XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX opened XX/XX/XXXX bal. {$170.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that ELAN FINANCIAL have placed an inquiry on my XXXX credit file dated XX/XX/2022. On multiple occasions I requested ELAN FINANCIAL and XXXX to verify these inquiries. They have yet to do so.
Product: Debt collection

Received letter from Harris & Harris I owed a debt to XXXX for XXXX XXXX beginning of XXXX for XXXX received XX/XX/XXXX. Called number in the letter and asked they sent written verification only to be told their system is down and they cant. XXXX ended. The letter originally sent by them stated I have until XXXX XXXX XXXX to dispute the debt. Ive spoken to the medical provider and was told I dont owe anything. All my visits have been paid and they even sent a statement reflecting I dont owe anything. Never received a bull that I owed anything from the medical provider, only a collections notice. I then received a call XXXX XXXX, XXXX that the supposed {$280.00} I owe is for a service received XXXX XXXX. Again, XXXX up to date on payments which is reflected on my statement emailed by the provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$660.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$410.00} XXXX XXXX Balance : {$3600.00}
Product: Mortgage

Problems have existed in my account since XX/XX/2017. Monies have not been properly credited to my account causing all kinds of problems. Working with the company has resolved some problems, but others still exist with new problems being created. The company has failed to correctly balance my account. 

One new problem is the amounts reported to the IRS on Form XXXX. Even after filing a corrected Form XXXX the amount reported for interest paid on the mortgage is still wrong. It only includes interest paid through XX/XX/2017 and not for the full year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/XXXXXXXX XXXX XXXX XXXX to Experian, XXXX and XXXX. Here are my tracking numbers ; Experian : XXXX XXXX XXXX XXXX XXXX : XXXX According to the law 15 U.S. Code 1681i -Procedure In case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such a dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the dispute information is inaccurate and record the current status of the disputed information, or delete The item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX BALANCED {$1900.00} XXXX XXXX XXXX BALANCED {$1800.00} XXXX XXXXXXXX BALANCED {$11000.00} XXXX XXXX XXXX XXXX BALANCED {$8200.00} XXXX XXXX BALANCED {$870.00} XXXX XXXXXXXX BALANCED {$6200.00}
Product: Mortgage

I am in a fixed income situation. In order to avoid a potential foreclosure due to the increase in the drastic price elevation, I cancelled XXXX services with my mortgage company, LoanDepot, i.e. an insurance policy and tax payment service. The result of my action I now pay down the debt plus interest. I had {$2300.00} in escrow with LoanDepot. 
LoanDepot has taken the funds that were in escrow and called it a payment. I believe this is illegal and I want the escrow funds returned to me.
Product: Money transfer, virtual currency, or money service

I am a partner in a XXXX XXXX XXXX and in XX/XX/XXXX we applied for a XXXX account with Coinbase. We signed an agreement and provided all documentation required. We have followed up with Coinbase Client Onboarding and the agent XXXX XXXX of Coinbase over XXXX times by email, sometimes multiple times in a day to open the account. The Coinbase Website advertises Private Accounts for companies such as our XXXX and XXXX, but there is no way to reach anyone in customer service at Coinbase that is familiar with the accounts such as these that are advertised and their Website complaint system is a loop that never leads you to a person who can resolve the issue. I filed a complaint with Coinbase on XX/XX/XXXX, and after three weeks they contacted me by email to ask for additional documents which were all sent to them on XX/XX/XXXX. On XX/XX/XXXX, a request was made to sign the application agreement again, although they did not provide a link for signature. We advised them that the agreement was signed for a second time in XXXX XXXX  XXXX, and then they followed up in an email saying they had everything they needed. We still have no account after 7 months.