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

On XXXX XXXX I visited my local Wells Fargo branch to close my checking account. I provided all documents, IDs, PIN, answered questions, and codes they asked for. However they denied to close the account. I was told they would close the account on XX/XX/XXXX. Date of closure passed. They send another letter itll be closed XX/XX/XXXX. Still not closed. I call them and they want 8 more days to close the account. Its been over a month since they have frozen my money and kept it. {$57000.00}. Never had overdrafts/claims/etc. I have tried working with them and filed a complaint with XXXX, to which they just keep saying they will close the account soon and send a cashiers check. Ive talked to an attorney already and they have violated multiple laws and regulations. Mostly being the holding of my funds for over a month without have a legal authorization or reason to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX XXXX XXXX XXXX XXXX XXXX ) my purse was stolen and my personal information was compromised. Someone made inquiries to several places attempting to open accounts in my name. I asked the credit reporting agencies to remove these inquiries because I never made such credit request however they refused.
Product: Debt collection

I noticed an account on my credit file that did not belong to me. I reached out to rent recovery solutions to make them aware of the identity theft issue I experienced. I spoke with the executive  VP, XXXX XXXX, and he prepared a letter stating the account was not mineand needed to be removed from my credit file. He claimed he would electronically send the credit bureaus a removal order. XXXX  claims they did not receive this order. For over a month now, I have left voice mails and sent emails to rent recovery to resend this order to remove that fraudulent account. No reply from rent recovery and no resending of the order. The ignoring of my request is rude and they need to act by law and transmit this order to XXXX.
Product: Debt collection

This company continued to attempt to collect on a move out fee that was paid prior to being submitted into collections. After sending proof that the debt was not owed they still attempted to collect and refused to remove the collection from my credit. This caused an issue due to me attempting to put through a house loan at the time. According to their online reviews this is not the first time they have attempted to wrongfully collect a debt.
Product: Debt collection

Today I requested that XXXX XXXX communicate in writing only via USPS mail only, they continued to email and text me. I asked them to stop texting me in writing in the attached yet they continued to do so after it was received. I have all of this very well documented. They have broken the law under the California Rosenthal Act And TCPA XXXX. My letter to them is attached. They wrote to me today at XXXX " starting on XX/XX/XXXX. If the account is past due for more than 30 days, the account may be sent to an outside collection agency. Once the account is sent to the collection agency, this will be reported to your credit and we will no longer be handling the account. '' This is a threat to my credit and is also a violation of the Rosenthal act RFDCPA. 

I have not filed any lawsuits, but I am also asking that they contact my authorized representative. XXXX XXXX XXXX XXXX. 
THE LAW OFFICE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX
Product: Mortgage

Im contacting you regarding a request I made to Specialized Loan Service SLS to have my private mortgage insurance removed. I purchased this property at XXXX XXXX XXXX in XX/XX/XXXX and with the intention of remodeling the entire first floor, adding windows and access doors and a deck. Once I was finished in XX/XX/XXXX, I had two professional real estate brokers, familiar with the market, estimate the market value of my home. Knowing that my house value now would be under the requirement for PMI, I requested in XX/XX/XXXX for the PMI to be removed by specialized loan service. After months of frustration with SLS nonresponse and non-timelessness, I filed a complaint with CFPB. Finally, in XX/XX/XXXX XXXX company contacted me to do a BPO. I indicated to the XXXX employee that I had over {$50000.00} in receipt for the remodeling of my home. The XXXX employee did not want the receipt and I gave him a copy of the summary and cost of the remodel. He came into my house with his cell phone snapped a few photos and was gone. He did not measure anything and was only there for a very short period. In XX/XX/XXXX I received a notice stating the BPO did not show the property was under the PMI requirement and the PMI would not be removed. Shortly later I received a copy of XXXX very poor assessment of my property and a very poor comparison to other properties in XXXX. There were numerous mistakes and even had the garage as a detached garage. XXXX report almost seem that some information was carried over from another assessment. Other similar properties nearer to my address and even on my street, were not used as a comparison. XXXX assessment only raised my value of my home by {$4000.00} which is unacceptable. 
Since I was tired of dealing with SLS, getting a run around, who does not have a good reputation, has numerous complaint against you and not wanting to continue to pay PMI on a property that the value of the home would not require it, I decided to switch mortgage companies. There was an appraisal conducted on my home in XX/XX/XXXX and the appraisal came in at {$360000.00}. This is a difference of {$51000.00} more than your final assessment. XXXX BPO was not even close to the value of what my home is. The original appraisal on my home when I purchased it in XX/XX/XXXX was {$310000.00} and yours was {$310000.00}. The market in XXXX is extremely stable and over {$50000.00} of remodel and upgrades was added this home, which would indicate the value should have raised way more than {$4000.00}. 
I must question the relationship with SLS and XXXX company. I must question how someone can be so far off. I must question the mistakes that were made by XXXX company. XXXX company provided a service that was not even close to being accurate. Since SLS charged me for XXXX service that was not even close to be an accurate assessment of the value of my home, Im requesting to be refunded this amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not sure if I have classified this correctly in the previous sections, but I will try to explain better here. 

In XXXX of 2020, I filed a dispute with TransUnion because an account which I thought I had closed was still appearing on my credit report. The account was a credit account with a XXXX balance and a {$25000.00} credit limit. 
The next day, I withdrew the dispute once I discovered that the account actually was still opened. TransUnion accepted the withdrawal and stopped processing the dispute. TransUnion then proceeded to drop my credit score, which is calculated by them using their triple VantageScore formula, by over 60 points based solely on this withdrawn dispute. Nothing in my credit report has changed beyond the filing and withdrawal of this dispute. Their inexplicable reduction of my credit score has caused me issues with other creditors and has, in fact, led my credit card company to place a hold on every payment I make until that payment clears the bank because I now pose a " risk '' due to my credit score. I have spent years trying to build up my credit and TransUnion managed to destroyed it in one day. 

I contacted them about this and they refuse to address it so you are my only hope.
Product: Debt collection

I sent XXXX letters through certified mail with return receipts. The first letter was a debt validation letter which they did respond to but did not have enough evidence to support their claims of {$690.00}. I sent two more letters requesting the following : 1. Pictures of damaged carpet, 2. Invoice from carpet company ( if professionals were used ), and if done in-house, provide to me any and all documents of repair and or replacement, 3. Before and after pictures of the cleanliness and condition of the carpet, 4. Any and all information that the pictures provided to me in your response dated XX/XX/XXXX, were from my unit. 

XXXX. Me giving you permission to furnish information to my consumer credit report.

Never got a response after sending those last two letters on XX/XX/XXXX, and XX/XX/XXXX. 

within the last two letters, I asked if they can't provide me with the documents delete my information from their system, and delete and remove it from my credit report.
Product: Payday loan, title loan, or personal loan

This complaint is against : KeyBank / Key Corp XXXX XXXX XXXX, XXXX, OH XXXX www.key.com Respected CFPB Officer, I want to file a complaint against Key Bank for discrimination, retaliation, unlawful delay in closing account, unethical and excessive fees. In addition I want to file report that Key Bank is potentially violating the State of CT Governor 's moratorium and federal guidelines on fees during the Coronavirus pandemic. 

Details and timeline Personal bankers from XXXX XXXX XXXX  came to my home in XXXX and took signatures to open at least 3 different accounts under explicit promise of No fees whatsoever for the life of accounts and one of them is a Commercial Line of Credit account. 

XXXX XXXX XXXX  was acquired by Key bank and now it became Key Bank sometime in XXXX. 

In XXXX of XXXX, I received fees of {$150.00} for the first time on this commercial line of credit account. 

I immediately contacted my Key Bank banker XXXX XXXX to waive these fees as it was a breach of promise and closed the commercial line of credit account immediately. Attached here my written email request as evidence. Mr. XXXX responded that he will update me but I never heard from him again until today. 

On XX/XX/XXXX, I called customer service to close this commercial line of credit account and waiver of {$150.00} fees which the customer service associate sent me form for ( attached here as evidence XXXX and mentioned to write in form requesting waiver in closure form and fax it. 

On XX/XX/XXXX, I was charged another {$150.00} fees. 

On XX/XX/XXXX, I filled out the form and FAXED as requested by the customer service associate, attached here original faxed form and successful fax transmission receipt. 

On XX/XX/XXXX, I was charged additional {$300.00} fees with the future date of XX/XX/XXXX!!! This is the first time I saw in my life future dated fees and clear retaliation to not close my account. 

On XX/XX/XXXX, I followed up again with customer service and gave reference number XXXX after talking to customer service associate Ms. XXXX XXXX and gave 3 business days to close this account. 

Today on XX/XX/XXXX, I saw an account not closed yet so I called customer service with a given reference number who said it will take another 2 business days. Also the customer service associate gave me personal banker XXXX XXXX 's phone number. I called XXXX XXXX who informed me he is no longer part of retail and works in merchant services so can not help me and gave me XXXX XXXX 's branch name and branch number. XXXX gave me information on XXXX XXXX who is copied here. 

I have spent at least 8 hours on chasing Key Bank to close my account which was never used. 

Please note I have not used a single dollar from this commercial line of credit in all these years. 

I hope that this complaint will raise awareness with the government and regulators which will result in overall betterment and stop unlawful and unethical practises. Please feel free to contact me if I can provide additional details or information. 

Sincerely,
Product: Prepaid card

Apparently on XXXX XXXX Rushcard upgraded to a new software system. Since that time my card no longer works. My deposit that was sent last week still has not been posted to the card. You ca n't reach customer service you wait on hold for over XXXX hours and then they hang up on you. My balance keeps going down even though I have been unable to use card and my {$400.00} direct deposit still has not been posted. I 've called, emailed tried XXXX everything you can think of and no response. The one time that I did get through I was told they were working on the problem and they had no further answers. I asked to speak to a supervisor they put me on hold for another XXXX hours then hung up on me. I just want my money along with everyone else that I am sure you have heard from!
Product: Debt collection

Dispute Regarding Inaccurate Reporting of Debt and Potential FCRA Violation Details of the Complaint : I am submitting this complaint regarding an inaccurately reported debt on my credit report by NBC Management Services. 

Debt Timeline : On XX/XX/XXXX, I financed a vehicle. 
I became delinquent on the loan on XX/XX/XXXXXXXX XXXX 
This debt was sold to NBC Management Services iXXXX XXXX 
Issue with XXXX : After purchasing the debt in XXXX, the collection agency began reporting it to the credit bureaus. However, they failed to accurately reflect the original date of first delinquency ( DOFD ). 

Under the Fair Credit Reporting Act ( FCRA ), the 7-year reporting period must be based on the DOFD, which is XX/XX/XXXXXXXX  Therefore, this debt should no longer appear on my credit report after XX/XX/XXXX. Instead, NBC Management Services re-aged the debt, making it appear newer. This misrepresentation is a clear violation of federal law. 

Dispute Filed : On XX/XX/XXXXXXXX XXXX I submitted disputes with XXXX and XXXX, providing proof from NBC Management Services confirming the accurate DOFD as XX/XX/XXXX XXXX Despite having ample time to correct this error, neither the credit bureaus nor the collection agency have resolved this issue. 

Desired Resolution : I am requesting that this debt be permanently deleted from my credit report. 

The collection agency has been reporting inaccurate information for years and has had numerous opportunities to correct this violation. By continuously reporting the debt with the wrong DOFD, NBC Management Services has knowingly violated the law. This issue would have gone unnoticed if I had not reviewed my credit report carefully. 

The harm caused by this misreporting has significantly affected my credit history and financial standing. The only appropriate resolution is the complete removal of this account from my credit report. 

Supporting Documentation : I have attached the following documents to support my complaint : Proof of the original delinquency date ( provided by NBC Management Services ).

I trust that the CFPB will address this matter promptly and hold NBC Management Services accountable for violating the FCRA. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX
Product: Debt collection

Caller called repetitively in a continuous barrage of rude and unprofessional calls. He did not once state his business. He was reluctant about giving up his name and who represented. He stated that " this will go on all day '' if he did not get to speak to the party he was seeking to speak with. He called 6 times in a row.After the second call he stated that his name was XXXX XXXX. 
The receptionist asked him not to call back and this was a place of business and he should cease and desist or the police would be called. His response was that he would call the police himself. 
He clearly did not state that he was a debt collector trying to collect a debt. 
After some investigation the number came up belonging to Kinum Inc. a debt collection agency. 
This is egregious harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS LISTED IN THE ATTACHMENT DO NOT BELONG TO ME, MY INFORMATION WAS USED FRAUDULENTLY TO OPEN THESE ACCOUNTS IN MY NAME. I AM A VICTIM OF IDENTITY THEFT.
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 15 USC 1681. 

Account name : XXXX Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX Account number:XXXX Account name : XXXX  Account numberXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

My account was closed I thought there was suspicious activity but my daughter had used it so I called them and told them they still closed my account my income tax is getting direct deposit to there this is unacceptable they never told me why
Product: Debt collection

I received 3 return packets from XXXX. I opened one and saw they were phone return packets. I found XXXX 's fraud reporting phone number and tried to contact them, but only received automated messages. ( XXXX XX/XX/2018 ) I went to XXXX store at XXXX XXXX, XXXX XXXX and told them of this fraudulent activity and asked to check the name as spelt on the envelope " XXXX XXXX '', note not same as my name. They could not find anything, and said they could take any fraud discovery or fraud report information. So I mailed back these packets with notes on Fraud activity. 

Later I complained on XXXX about collection agent hired by XXXX, and now an even more abusive collection has been hired by XXXX. 

( Saturday XX/XX/2018 onwards ) I have been getting many calls from Diversified, and I told them that I have reached out to XXXX numerous times. But they still threatened me with consequences. Previous history below ( resolved with XXXX  ) I checked the Fraud website on XXXX, and noticed it was too complicated, and asking me to reveal lots of personal information. While in the meantime I am not able to reach any human at XXXX. The web reports on Fraudulent department at XXXX were also bad.
Product: Credit card or prepaid card

On XX/XX/2021 my capital one card was charged for two separate EBAY trnascation : ..one for XXXX.one for XXXX ... i told them it was fraud and i didnt make the charges ... they gave me temp credit then asked for info i didnt have!! ... how do i know who made the charges.or where they came from or what was bought..i cant give info i didnt know..all i know is almost XXXX dollars was posted to my card and i didnt do it and dont know who did..so now they closed the case and rebilled me cause i couldnt provide info i had no way of having..i locked my card so no more charges can me made but i'm still out almost XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert on my credit report from Midwest Recovery Systems for {$660.00} on  XXXX / XXXX / XXXX . I called the telephone number provided, and a call rep informed me that it was a payday loan from  XXXX  from the year of  XXXX . I informed her I have never received a payday loan. I informed her I never received anything prior to now about a payday loan. She tells me I will need to file a police report for something that allegedly happened in  XXXX .
Product: Credit card or prepaid card

I received notification from many credit sites about BOFA cancelling my 2 accounts with them. I was confused, lost and very upset about BOFA closing without any notice. I contacted BOFA and they said a letter is on the way and they couldn't help me. That very same day I received CREDIT CARD OFFERS from BOFA, checks to consolidate for a lower APR and promo offer with checks. CONFUSED, MISLEAD, lied to, distraught, frustrated and unappreciated as a customer. I've had the cards for around 10 or more years, never late. Month or 2 prior, BOFA increased my line of credit. I was in the process of purchasing a home, but NOW due to them cancelling both unable to because I have a balance with them and my net to debt income ratio changed A LOT due to BOFA.
Product: Debt collection

Consumer Laws to Use to Remove Collections : Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating your consumer rights by using false misleading, misrepresentation and deceptive means. 

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX ( XXXX ) {$4000.00}, XXXX XXXX ( XXXX ) {$1700.00}, XXXXXXXX XXXX XXXX ( XXXX ) {$1600.00}, XXXX XXXX XXXX XXXX {$590.00}, XXXX XXXX  ( XXXX ) {$330.00}, XXXX XXXX XXXX {$130.00}, XXXX XXXX, XXXX XXXX ( XXXX ) {$140.00}, XXXX XXXX, XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ) {$360.00}, XXXX ( XXXX ), XXXX XXXX ( XXXX ), has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

I would like to make a lump sum payment of $ XXXX $ XXXX and recast the loan. Asked Planet Home Lending on XX/XX/2022 through email. Since than, send 3 more emails to follow up. Each time they said they forwarded my requested to related party/department and waiting answer. 
I have a feeling that they are doing this intentionally and causing me to loose money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX