23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2020 I received my first phone call and " notification '' from Bonneville Collections out of XXXX Utah, XXXX  XXXX, Idaho and XXXX, Idaho. when I returned their message. I spoke with a, what sounded like a " XXXX XXXX '' although he didn't clearly state his name. When I spoke with him regarding the debt. I explained I had received no information notifying me that Bonneville Collections had this account. He rudely told me they sent a notice in XXXX. To which i said I had not and requested a new one. He refused. I explained to him I live in an apartment complex, this is common and it is my legal right to have a letter telling me the proper information. He still refused and hung up on me. I am aware of the debt owed to the original debtor, however I was not notified of Bonneville Collections taking over the debt. I simply was exercising my rights as a consumer and debtor by requesting information. I have dealt with Bonneville Collections in the past. They are ruthless and do not follow proper debt collections protocol. Also, infringe upon the consumer rights. Their business practice lack ethical and professional tactics.
Product: Checking or savings account

Consumer Financial Protection Bureau ( CFPB ) Complaint Complainant : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX Business Established : XX/XX/year> Complaint Against : City National Bank, XXXX XXXX Branch Branch Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Branch Representatives Involved : XXXX XXXX, Vice President | Relationship Manager XXXX XXXX XXXX, Vice President Subject : Alleged Discrimination in Business Account Application Details of the Complaint : I am filing this formal complaint against City National Bank as I believe I was treated unfairly and subjected to discrimination during my attempt to open a business account for my thriving XXXX business, XXXX XXXX XXXXXXXX XXXX XXXX XXXX Below are the details of the incident : Initial Interaction : I met with XXXX XXXX, Vice President | Relationship Manager II, at the XXXX XXXX branch. We spent approximately two hours completing the application process, including providing all required documentation and discussing my business plans to expand by opening a new location. During this meeting, XXXX commended my business achievements and expressed optimism about my application. 

Site Visit : Following the meeting, XXXX conducted a site visit at my store, which further demonstrated my business 's legitimacy and strong operational standing. 

Application Rejection : Despite these positive interactions, I later received a phone call from XXXX XXXX, Vice President of the branch, informing me that my application to open a business account was denied. When I inquired about the reason for the denial, XXXX refused to disclose any specific details, which left me feeling confused, disappointed, and deeply insulted. 

Belief of Discrimination : In my opinion, the refusal to open the account despite my flawless business and personal credit history, compliance with all application requirements, and successful business operations suggests discriminatory intent. As an XXXXAmerican business owner, I believe that my national origin or other discriminatory factors may have influenced the bank 's decision.

Request for Action : I respectfully request the Consumer Financial Protection Bureau to : Investigate City National Banks actions and decision-making process regarding my application.

Determine if discrimination based on national origin or any other unlawful factor occurred. 

Hold City National Bank and its representatives accountable for any violations of anti-discrimination laws.

Take appropriate disciplinary actions and ensure corrective measures are implemented to prevent future occurrences. 

Require City National Bank to reconsider and approve my application if it is found that discrimination played a role in the denial.

Conclusion : In the United States, no individual or business should face discrimination based on their national origin, race, or other protected characteristics. I urge the CFPB to take this matter seriously and ensure justice is served. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX and TransUnion credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX  XXXX XXXX Balance : {$94.00}
Product: Money transfer, virtual currency, or money service

I'm supposed to be my XXXX and it never was in there it was supposed to go to myself I bank account and never was a deposit
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against [ Transunion ] regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On [ XX/XX/year> ], I discovered discrepancies in the following account ( s ) : 1 * Account Name : [ XXXX  XXXX XXXX ] * Account Number : [ XXXX ] * Disputed Information : [ High Credit, Last Date Reported, Date last Active ] 2* Account Name : [ XXXX XXXX ] * Account Number : [ XXXX ] *Disputed Information : [ Last Date Reported, Date last Active, Date Last Payment ] 3*Account Name : [ XXXX  XXXX ] *Account Number : [ XXXX ] *Disputed Information : [ High Credit, Date Last Active, Date of Last Payment ] XXXX Name [ XXXX ] *Account Number [ XXXX ] *Dispute XXXXnformation : [ Account #, Last Reported, Date Last Active ] 5*Account Name [ XXXX XXXX *Account Number [ XXXX ] *Dispute Information [ Account #, Last Reported , Date last Active ] 6*Account Name [ XXXX XXXX  ] *Account Number [ XXXX ] *Dispute Information [ High Credit, Date Last Active, Date of Last Payment ] 7*Account Name [ XXXX XXXX ] *Account Number [ XXXX ] *Dispute Information [ Last Reported, Date Last Active, Date Last Payment ] Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

My report 's list of inquiry and information was inaccurate. I sent it to each credit bureau, asking them to investigate it and review my files. However, that information continues to be reported and has a negative effect on my credit. As a result, the credit bureau did nothing to get rid of the incorrect information and inquiry listed below. 
Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date XXXX : XX/XX/XXXX Inquiry XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

as of XX/XX/2023 i have noticed fraudelent accounts and inquiries on my credit report account name : XXXX XXXX account # : XXXX open date : - date of last payment XXXX XXXX $
Product: Credit reporting, credit repair services, or other personal consumer reports

I call each company to they give information about this inquire and they said could not help me that in need to contact the credit XXXX and XXXX I did and they said I need to contac the company and it been 2 years in this XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Cbcinnovis XX/XX/XXXX Cbcinnovis XX/XX/XXXX Cbcinnovis XX/XX/XXXX
Product: Mortgage

American Pacific Mortgage Company did not protect me under the Acts of FHA ( Fair Housing ), and ECOA ( Equal Credit Opportunity Act ) by relying on an appraisal that it knew or should have known to be discriminatory causing adverse impact. That precluded the application of my good credit to any housing opportunity and the stated objectives of the XXXX XXXX  that is signed into law for the benefit of myself and the greater community of XXXX, XXXXXXXX XXXX is XXXX in XXXX XXXX XXXX is rent supported by closed sale prices of $ XXXX per unit Existing renovated XXXX XXXX XXXX and " As is '' XXXX XXXX sqft are rent supported at {$2000.00} to {$2800.00} throughout XXXX and its XXXX XXXX in a XXXX XXXX mile radius. 

Which are all low income census track communities that are socially economically parallel. ( XXXX XXXX, XXXX XXXX, Washington XXXX, XXXX XXXX, XXXX XXXX ) There is no shortage of rental income comps to support the lower cost of construction at at $ XXXX per unit. ( total project cost $ XXXX/ FHA loan $ XXXX ) In essence the appraisal redlined my property at {$2000.00} a month ( XXXX XXXX XXXX ) when there is no shortage of XXXX XXXX units that are available above this amount. 

This would not be a problem if there were no comps available of sufficient value ( $ XXXX {$2800.00} ) to support the cost of new construction ( $ XXXX ), existing renovated construction and " As is '' ( well kept ) XXXX XXXX sqft units that have rent values that easily support the $ XXXX existing renovation cost. 

These are XXXX XXXX  boxes that are XXXX new condition XXXX multi unit properties that are all parallel, confirmed by closed sale over the last XXXX yrs at $ XXXX ( please see exhibit XXXX ) And therefore the rental comparisons are directly relative and should have been considered. 

Actions Taken : Multiple timely appraisal rebuttals since XX/XX/23 See supporting documents for in depth details
Product: Credit reporting or other personal consumer reports

Please take action under 15 USC 1681c-2 to remove unauthorized hard inquiries from my credit report.
Product: Student loan

I am a co-signer on an original XXXX XXXX loan obtained in XX/XX/XXXX and now owned by Navient. The primary borrower has been sporadically negligent on the loan payments as of the first year ( XX/XX/XXXX ). The last payment was made in XX/XX/XXXX and due to the consistent decline in my credit score ( solely as a result of this account ) and retirement on my horizon, I am currently attempting to pay-off the loan in full but trying to negotiate a lower pay-off amount. In the past year, I have been called by Navient repeatedly and harassed to the point of hanging up. I have spoken to many representatives and have been informed that my current lifestyle does not reflect a legitimate hardship and, therefore, does not warrant a lesser amount than the full balance. I am currently seeking employment but my monthly debt is being paid promptly and several items have been paid off with the equity of my home refinancing. As a XXXX year old women with a 20-year XXXX XXXX XXXX background, I can assure you, something is gone awry here. At the start of each conversation, I am consistently professional, hospitable and courteous - none of which they have been. As I try to speak, they speak over me. I have asked to speak with someone in management above them and they claim that is not an option. I have asked for an email address to further the conversation and I am referred to their website. I have been told I am lying and that I am " fully capable of making the necessary payment but choose not to ''. By the end of each engagement, I am frustrated and emotional. I have been threatened and accused by their representatives and this is an unacceptable method of doing business. I would like assistance in resolving and closing my account - with intention to never refer Navient or do business with them again! Thank you.
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under XXXX XXXX XXXX XXXX. 

I demand that the following items be deleted immediately from my credit report :
Product: Mortgage

I have applied for a modification and was denied due to value on home but they did not use the all money owed on mortgage to calculate this claim. I dont believe they are following HAMP guidelines and want a new review done for modification.I also want to know if they used the low value from the appraisal or the high value. They also need to add in all arrearages and lump sums to totals current mortgage before evaluating. Low AVM value was $ XXXX
Product: Debt collection

i have held health insurance for over seven years. I found this account on my credit reports but have never had any correspondence from them regarding this account. My personal details where compromised in 2012. Please verify the address on this account because there has been attempts to open accounts from an address that is unknown to me in my credit files.
Product: Debt collection

PayPal reported delinquency to credit bureau for $ XXXX I received notification from credit reporting through my bank account on Sunday XX/XX/2020 and confirmed via my XXXX paid subscription XX/XX/2020. 

I contacted PayPal Mastercard via XXXX, the number reported on the credit report XXXX placed me with a representative relating to my XXXX XXXX XXXX account and not PayPal. 

I was advised the charges related to interest charges for the balance paid in XX/XX/2020. XXXX, the representative assisting on my call on XX/XX/XXXX, waived the fees and advised my new balance was {$0.00}. 

I have not reflected any delinquencies on this account in over 2 years and have " Paid as Agreed '' - I have requested PayPal update my credit report immediately as I am in the process of making a significant purchase. This delinquency relating to {$8.00} that I have not received a statement for reduced my credit score by 87 points and took me down 4 bands in the Loan Risk Rating thereby increasing the interest rates for the loan I will be requesting. This update PayPal has made without making any attempts to speak to me as the consumer will affect my life for the next 7 years.
Product: Debt collection

Despite providing evidence of identity theft and taking all necessary steps to rectify this matter, your bureau persists in reporting these fraudulent accounts, causing severe damage to my creditworthiness. 
XXXX XXXX XXXX PLEASE DELETE!!!!! 
XXXX XXXX XXXX PLEASE DELETE!!!!! 
It has come to my attention that your bureau continues to report multiple fraudulent accounts on my credit report, despite my diligent efforts to address this issue. I am bewildered as to why your bureau is not taking similar action to rectify this blatant error. The continued reporting of these fraudulent accounts is not only damaging to my credit score but also exacerbates the emotional and financial distress caused by identity theft.
Product: Student loan

Tried to begin the repayment process, company only accessible through website. Website only offers an option of payment by accessing checking account through account number and routing number. Tried to call, no one will answer. Tried to communicate through email, no answer. Being given the runaround.
Product: Checking or savings account

I was notified on XX/XX/year> that capital one 360 was ending their banking relationship with me with no reason given. I still have funds in the account that they restricted my access to. Ive called several times and I keep getting no information. I contacted the bank again on XX/XX/year> and was told that I needed to come into a branch to verify my identity with 2 forms of identification and then the branch rep would call the XXXX number and the restriction would be moved and my funds would be sent out by check. I came into the cafe in XXXX on XXXX and worked with XXXX who called the XXXX number and they were saying I cant verify my identity because the investigator completed the investigation on the account and needs to investigate more and that I need to call back every day for an update. I do not want to do any business with these people and want the account closed completely and I want my funds issued to me. Theyve been holding my money for over 1 1/2 months with no reasoning, explanations, timelines or anything.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

The car I was buying was only worth at the most {$6000.00} in the shape it was in probably more like XXXX. They knowingly acted in violation of the California usury law title 15 when they charged me 28 % APR. At the end of 4 years without an option to refinance or even an offer by the company I will have paid well over XXXX to XXXX for a XXXX or {$5000.00} car. They repossessed the car at 72 days late instead of the normal 90 days. They committed a crime in order to scan me for money using an outrageous APR I would like to see every cent that I put into that car that they pretty much stole back for me put back in my pocket and I would like to see those XXXX go to XXXX
Product: Checking or savings account

I have had this issues since I have opened the account. My issues is I will have a transaction that is pending. The pending amount will be subtracted from my available balance. The transaction will then post and be deducted again from my available balance and reflect as both pending and posted. I will then have to wait an additional XXXX days for the pending transaction to fall off and the money be returned to my account. This has happened several times with the most recent time being XXXX. I had made a purchase on XXXX for XXXX $ from XXXX club and it was pending and reflected in my available balance. Then on XXXX it posted and was taken out again but never dropped off as pending. So now it's been taken from my available balance twice. I spoke to representative at XXXX and they are trying to tell me its the merchant but this has happened with several different merchants and I don't have this problem with my other checking accounts and other banks. So far there has been no resolution and I've just been getting the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I was at a Kohls in XXXX XXXX, the associate helping me was XXXX. I ran my already existing credit card with the company and she said it wasnt working and it could be the card. She could look me up by my SSN ( which has been done before ) and see if I could run my card virtually. I gave her my information and then she let me know I was denied for a new credit card application. I did not authorize this at all and again thought she was looking up my EXISTING credit card I physically had in my hand. I left the store buying nothing because of this.t I then call Kohls and they tell me Im now under investigation from their company for Fraud and would not resolve the issue because she tried to apply me for a new card and tried to ring me up 3 times against my card that they froze because of this. 


They refused to help me with the unauthorized pull and treated me like I was a criminal scamming them. 

I even got ahold of their support team and they put me on hold for 45 minutes for a supervisor who said I didnt respond in enough time and hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Effective XXXX, 2020, XXXX XXXX XXXX Mortgage sold/transferred my home loan to XXXX  XXXX XXXX. - ( Documents 1 & 2 ) 2. XXXX XXXX XXXX didn't start reporting my account to the credit bureaus until XX/XX/2020. 

3. My XXXX  report reflects a good Fico score and a good payment history. ( Document 3 ). 

4. After XXXX XXXX XXXX started reporting to Equifax, on XX/XX/2020, my credit score dropped 60 points. ( Document 4 ). I still haven't heard back from Equifax. 

5.. After XXXX XXXX XXXX started reporting to XXXX, XXXX XX/XX/2020, my credit score dropped 61 points. ( Document 5 ). No one at XXXX  can explain to me why other than the XXXX XXXX XXXX Mortgage was closed. 

I'm at my wits end! I have a 100 % pay on time pay history! These inaccuracies have severely affected me. I have tried to refinance my home to no avail and apply for a small business loan. 

The explanations for the changes in the XXXX  and Equifax credit scores do not make sense. The explanations provided do not equate to a 60 point drop. 

I need this matter investigated. Hopefully, you can get some answers.
Product: Vehicle loan or lease

The loan company first merchants bank and the loan amount and payment history is very incorrect I have reported this in the dispute center in all the credit company 's and it's still not been change. They have been reporting the total amount of financed amount way to hight it was only XXXX and I did make about 4 or 5 payments on it only had like XXXX $ left to pay when I lost my job and couldn't pay the rest and they have not reported any of the actual payments I did make they have been reporting that's I've never paid on it and they have quadrupled the loan amount and fees!!!!
Product: Checking or savings account

In reference to complaint XXXX that is currently open I received a call from the issuer of the check to let me know the check was cashed by Chase and they can not issue a new check unless they get the funds back. I also received XXXX checks from Chase for the balance I had previous to depositing the check but no check for the deposit I made. I dont know what to do at this point because Chase is going to tell me they didnt cash it and that is why they closed my account.