23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I started the refinance process on or around XX/XX/20 and the process was moving forward, submitting documents, etc until the processor changed. I never received an update and emailed my processor and loan representative for an update. When I finally received an update the manager of the new processor was supposed to call and never did. I contacted again and finally got a response which she apologized for and stated needed additional documents, which I submitted. Our debt to income ratio was high and I paid off two accounts which based on the information from loan representative put us under the threshold. I emailed again to find out the status and was told the product had switched and the processor still had an issue with the debt to income ratio. My last email was to find out if the refinance was going to happen. I have not heard back yet. This has been a 7 month process with no progress. It has cost additional money every month the refinance has not happened and possibly cost a better rate option for refinance if I move to another company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays Bank Deleware has brought forth an account they claim I was responsible for and sued me. I won the initial case on XX/XX/21 and they appealed and never showed up to the Appeal case which was in late XXXX so that is twice now that I XXXX courts have dismissed the case against me and I am not responsible for these debts yet 3 times now have requested that this be deleted from my reports and they still refuse to do so.
Product: Credit reporting or other personal consumer reports

I respectfully request that you conduct a comprehensive investigation into this matter, acknowledge the mistake, and expeditiously correct it by removing the unauthorized inquiry from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and  highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Credit card

On XXXX my payment of {$230.00} was made to Capital One by XXXX  XXXX XXXX bill pay Capital One didn't record the payment until XX/XX/XXXX causing late fees. 
On XX/XX/XXXX I made a final payment that wasn't recorded until XX/XX/XXXX I have sent letters to Capital one in XXXX XXXX XXXX and XXXX XXXX XXXX in Ca., neither one has responded to me and now sent past due notices for interest and penalties I have used XXXX bill pay since it's inception and never had a problem of an 8DAY DELIVERY! 
Seems like a new revenue stream for the bank
Product: Credit reporting or other personal consumer reports

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX XXXX  Dear CFPB, I am writing to formally file a complaint against for XXXX XXXX inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ).

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX XXXX. Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law.

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report.

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA.

Request Therefore, I request that the CFPB investigate this matter and require XXXX XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect.

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

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

While checking my personal credit report, which I acquired fromXXXX, Equifax. I noticed an unauthorized inquiry made by your company XXXX XXXX/XXXX XXXX on XX/XX/2018 and XX/XX/2018. I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I called Chase to notify them of suspicious calls Id received that same day regarding unauthorized wires on my account. They informed me that someone had used the Chase automated phone system and used my personal information and debit card # to authenticate themselves and transferred my entire savings ( {$6000.00} ) to my checking account and attempted to wire out money. 

When I told the Fraud specialist I hadnt made these changes to my savings or attempted any wires, she walked me through a process of securing my account and changing my username and password. I also asked her to move {$8000.00} from my checking back into my savings. The next time I went to use online banking, I was unable to log-in, with a notification that Chase had locked my account due to suspicious activity. 

I called back again 2 days later on XX/XX/XXXX as I was still unable to log-in and had to change my username and password a second time. Throughout the next 6 weeks I was still unable to access my account online. I called Chase 5 other times to try and speak with the Fraud department to unlock my account and report that Id been receiving additional suspicious calls regarding unauthorized external wire transfers. 

On XX/XX/XXXX, I went to make a purchase using my Chase Debit Card and found out that my account was overdrawn. After calling Chase that same day, they informed me that there had been three external wires on my account : {$11000.00} on XX/XX/XXXX, {$9600.00} on XX/XX/XXXX and {$1500.00} on XXXX totaling {$23000.00}. I filed an IC3 report, and faxed it in to support my claim at the local branch. 

Ive opened two claims with Chase, one on the XXXX and one on the XXXX and both were closed without review as the Fraud Department insisted that I had authorized the wires over the phone. After escalating and requesting a review of that call, it appears someone impersonated me to Chase and made the wires over the phone telling them the payments were for my nephews tuition ( I have no nephews in college and this was note me ). I submitted a notarized statement on XX/XX/XXXX and they are currently reviewing the escalated case and police report. 

I have been the victim of identity theft and unauthorized wire transfers after alerting my bank of suspicious activity and am calling on Chase to protect me as a consumer and reimburse me for this loss. 

The Event # for the police report is # XXXX and the case # is : # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so displeased with the way my information was used by XXXX XXXX. I am very distressed and emotionally distraught because I was trying to buy a home for my family, and I got denied due to damaging, inaccurate and incomplete information being reported on my Consumer Credit Report. This is a defamation of my character, and its hindering my success. I take my livelihood very seriously, and I expected you to do the same. 
According to 15 U.S. Code 1681, you are supposed to promote fairness and accuracy on my Credit Report. But all I see are Fraudulent, Unauthorized, and Unvalidated Accounts. I was a victim of the data breaches with XXXX and XXXX, so at this point, you really should be protecting my privacy. This is detrimental to my emotional and psychological health and well-being, to the point that I had to have my pastor pray for me several times. 
I dont have access to safe, affordable housing now, because you are violating my rights and privacy with this inaccurate reporting. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, no Data Furnisher should be reporting any inaccurate, incomplete or unverifiable information, because this is negligent and willful non-compliance. I need help now so I can proceed with buying me and my family a house, as this is negatively effecting my livelihood.
Product: Credit card

XX/XX/2017 Consumer Financial Protection Bureau / Original Complaint No. XXXX Bank of America / Claim No. XXXX XXXX Inc. / Case No. XXXX In my opinion, Bank of America and its representatives have engaged in supporting False & Misleading advertisement by XXXX Inc. In my opinion, Bank of America has a fiduciary responsibility to protect its customers against corporations that engage in wide-spread exploitation, and under scrutiny by U.S. government agencies. It is common and readily available information that XXXX Inc, is a corporation that is being sued by U.S. government agencies chartered with protecting consumer rights. 
Bank of America is a self-regulated business that should value its customer satisfaction. And protect its customers from Unfair Trade and Credit Practices. In summary, it does seem evident, that informing me of my right to be educated as a consumer, and right to seek redressal has been suspiciously absent and ignored by Bank of America and its representative. As a consumer, I give Bank of America a poor consumer satisfaction rating. In my opinion, Bank of America representative XXXX ( Resolution Specialist ) did not address this issue, which was core to my complaint with the CFPB. 
Further-more my customer service experience with XXXX has been poor, since she has been non-responsive to the phone voice-mails left by me and my representatives. XXXX list her contact information as XXXX, ext. XXXX. She stated in written correspondence that she is available XXXX XXXX to XXXX, this has not been my experience with XXXX . 
Further Evidence of Fraud / False Advertisement In written communication provided by XXXX Inc. to Bank of America , XXXX Inc. claims that I signed their Self-Serve contract. Yet Bank of America had not acquired any contract with my signature. Why? Bank of America took on face value the word of XXXX. Why? If XXXX. asserts that I signed up for a complete Self-Service, then why would they also claim to charge for an auto-bidding strategy ( listed on page 1 of 5, 4th paragraph )? Why did n't Bank of America question this glaring contradiction? XXXX. claims to provide services for 2 business locations, why would I contract for 2 business locations, when 1 of the locations was closed and I was moving to the new business location? I only have 1 business location. 
cc. Federal Trade Commission
Product: Checking or savings account

Bank of America is running a false advertising, Bait and switch scam. They offer nice incentives to open an account. Then when the customer uses the incentives to generate the bonus points and cash incentives the fullest extent, as specified in the contract. Bank of America closes the account. The prof that this is an intentional premeditated scam. Is in the contract. With all the identity theft, going on. Along with just plain typos. When a bank closes your account and cancels your credit card..They should be required to give you a valid reason. There is too much false, fake, and disinformation information, on the internet and in company data bases. There are over a Thousand people in the U.S.A with my same first and last name. When a business decision is made, to close anyone 's account. The customer has the right to know if that decision was based on their correct, valid information, not someone else 's. Especially personal banking information. Since Bank of America has include in their contract ( Bank of America can make a business decision to close an account any time for any reason. And keep that information from you. ) I believe this part of Bank of America 's contract was included to allow Bank of America to commit bait and switch scams. With the forethought that they could now defraud new customers who earned benefits and perks. Bank of America offered perks as an incentive to open an account. Then they close the account of people who use those perks. Bank of America believes this is a way to hide a false advertising, Bait and switch scam. I have talked with several people at Bank of America. I know they were all honest people who just needed to do what they had to do to keep their job. Personally, I quit a salesman job where I was trained to lie to people in order to make sales. It is a shame all honest people required to lie as part of their job do not have the resources to quit. Making the criminals, Do their own dirty work. I really hope the CFPB, Looks into, and has the ability to stop this kind criminal activity. Of all the types of companies in the XXXX XXXX  should be the most transparent. I hope the CFPB, does not allow Bank of America to continue hiding their scam in a contract. I am sure any contract intended to hide a crime is invalid. I am sure Bank of America knows this. I also believe they are not going to stop this scam until some one takes legal action.
Product: Mortgage

I have called Shellpoint Mortgage, at least five times in three months and I have sent them my insurance documentation twice. ( a total waste of my time ) Both times, they confirmed receipt over the phone. Three months later, they are still charging me for force-placed insurance. This is stealing! When I try to contact them, I'm on hold for over an hour, and when I finally get someone on the phone, there's a 50 % chance they'll be rude to me. 
I just received a statement dated XX/XX/XXXX with forced place insurance still on my account, raising my payment!! Ever since Shellpoint Mortgage has taken over my loan they continue to do this EVERY YEAR!! 

This is unethical, and again stealing!! How is it possible to do this to a customer? 

XXXX XXXX XXXX Shellpoint Mortgage Servicing. ( Account # XXXX ) XXXX XXXX XXXX XXXX SC XXXX XXXX
Product: Credit reporting

Experian is not responding to any of my numerous requests to investigate, verify and remove XXXX account from my credit report that was opened fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXXXXXX XXXX XXXX Account # 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 a account without my written instructions.
Product: Credit card or prepaid card

Senior citizen victim of social security gift card scam on XX/XX/19 where I had to purchase gift cards and scratch them, photo them and email to scammer at : XXXX. 
I was told by scammer my SS # was used in criminal activity and in order for me to be issued a new number I had to do what they told me. 

Chase Credit card was for {$4000.00} in XXXX XXXX gift cards.. I called the credit card on XX/XX/19 and wrote to them on XX/XX/19 after I received letter from Bank stating the charges would appear on my statement because I had made the purchases. I also wrote letter to president of XXXX XXXX and asked them to give me credit for the scam gift cards. NO REPLY to me to date. 

I now know this is a scam from calling social security office, but at the time it happened to me the number on the phone was from social security so I fell for the scam.
Product: Vehicle loan or lease

This complaint is against Exeter Finance. On XX/XX/year>, the final payment of {$280.00} should have been drafted. They stopped my auto draft, and sent a letter apparently to an address that I haven't live at for 30 years. They have my correct address. They never called to say the payment was late, nor did they assess a late fee. I found out about the late payment when it hit my credit report. My payments have been on auto draft for 6 years and I have faithfully paid on time. They intentionally failed to take the last payment. Additionally, I never received my title.
Product: Credit card

Mistake payment in the amount of {$7000.00} USD, XXXX XXXX called whereby informed payment would be sent in 7 to 10 days but still waiting after 28 days. Citi CEO XXXX XXXXXXXX XXXX income {>= $1,000,000} she has delivered terrible service, makes hundreds times Citi average workers pay. Lets take make America great again by stopping corporate greed. Pay hard working workers salaries they deserve.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized use of my credit report
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 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 update these accounts. 

XXXX XXXX CO XXXX XXXX XXXX  CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX
Product: Student loan

XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX Dear Consumer Finance : I am on XXXX and get {$520.00} per month. I was on an Income Sensitive Repayment Plan or an Income Based Repayment Plan and had {$0.00} listed as my payment in XXXX of XXXX and I can not get them to approve me for that payment plan again. I have a XXXX-year-old and I must rely on others to help pay for his needs. I have struggled with them for years and they put it on my credit. I have done everything they asked me to do. I sent in a recertification letter on XX/XX/XXXX and received confirmation they had received it on XXXX, XXXX. Before that I have tried to apply for discharge of my loan in XXXX of XXXX via snail mail and they wouldnt approve that. Meanwhile my credit score is XXXX and it was XXXX. The websites they have for Nelnet.com and XXXX are horrendous. I must reset my password every time and sometimes I can not get in. I dont know what to do about this. They wont work with me. I need my credit fixed at least. I need a loan to cover me during the Covid-19 crises and I can not get one. I think its unfair that they report it to my creditors, and they will not approve any plan I apply for. Thanks for your time! 
Sincerely, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am trying to link my bank account with a XXXX  trading app and am being told pnc is not allowing this. Its my account and will probably change banks if that is true. XXXX has a market cap of over a XXXX XXXX dollars.
Product: Debt collection

I dont know what this debt is and it was reported on my credit report without letting me dispute it. The only bill I got from XXXX XXXX XXXX  was for XXXX not XXXX. I dont know why it would be increased to XXXX.
Product: Credit reporting or other personal consumer reports

The following accounts do not belong to me they are fraud. I am a victim of identity theft my info was on the dark web and other breaches. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE ATTATCHED A COPY OF THE FTC FRAUD AFFIDAVIT FOR YOUR REVIEW I DEMAND IMMEDIATE REMOVAL AND CURRENT AND FUTURE BLOCKING FROM ALL ACCOUNTS AND CREDITORS 2. 1. Validation of the debt-that is the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 
6. Please provide the original docurse and wet signature if you can't provide these items Delete them.