23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am writing to express my deep concern regarding the discriminatory treatment I experienced while attempting to complete a Federal Housing Administration ( FHA ) loan application with Stockton Mortgage. As a prospective borrower, I believe that I was unfairly treated and denied equal access to the mortgage application process which violates The Fair Housing Act and The Equal Credit Opportunity Act. 

On XX/XX/year>, I initiated the mortgage application process with Stockton Mortgage with the intention of securing an FHA loan for the purchase of a home. Throughout the application process, I encountered several instances where I believe I was subjected to discriminatory treatment based on my race, my ethnicity, my family status, refuse to negotiate for housing, and otherwise make housing unavailable. 

The loan office I worked with during this time was : XXXX XXXX. The telephone number he used to communicate with me was : ( XXXX ) XXXX - XXXX. On XX/XX/year> at XXXX XXXX XXXX stated " he could not get me approved ''. 

Despite providing all required documentation and meeting the eligibility criteria for an FHA loan, I was met with undue delays, requests for unnecessary information, and ultimately, my application was denied without valid justification. It is disheartening to believe that I was not given the same level of consideration and assistance as other borrowers solely based on my race, my ethnicity and my family status. 

It is important to emphasize that discrimination in any form is not only unethical but also illegal under the Fair Housing Act and other applicable laws. As a financial institution, Stockton Mortgage has a legal and moral obligation to ensure that all applicants are treated fairly and without regard to protected characteristics. 

I urge Stockton Mortgage to conduct a thorough investigation into my case and take appropriate corrective actions to address the discriminatory practices that I experienced. Additionally, I request that Stockton Mortgage provide me with a written explanation for the denial of my loan application and offer remedies to rectify the situation. This denial has caused severe burdens on my family. We have suffered emotional distress, humiliation, pain/suffering, loss wages, and loss of homeowner opportunities. 

I trust that Stockton Mortgage takes this matter seriously and is committed to upholding fair lending practices. I look forward to your prompt response and resolution of this issue. 

In the event that there are no remedies agreed upon, I intend on filing a complaint with the FTC, Security Exchange Commission for security fraud, HUD, State Attorney General office, and State/Federal Court . 

Thank you for your attention to this matter.
Product: Bank account or service

I fell behind in my Credit cards payments as a result of medical issues that have caused issues in with my budget. I was contacted by Bank of American and agreed to a payment plan in XX/XX/XXXX. I was told by the Bank representative that if I made three months worth of payments that my account would re-age and I would be able to return to regular payments however I would be charge a late fee as a result of my payment still being behind for the next three months and my account would reported as late to the credit bureau. I was also told to call each month after the agreed payment was made. Since XX/XX/XXXX I have made the payments each month and called each month since only to be told SOMETHING DIFFERENT each time by representatives from Bank of American. It is almost XX/XX/XXXX and still my account is being charged a {$35.00} late fee and my account is still being recorded as late and that is being reflected on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently checked my credit report and seen that I had four separate hard inquiries from the same creditor for a personal loan. I have sent a removal dispute letter to the creditor and have not received a response or any result on my credit report. 

ONEMAIN - XX/XX/XXXX ONEMAIN - XX/XX/XXXX ONEMAIN - XX/XX/XXXX ONEMAIN - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance wit the Fair Credit Reporting Act the following have violated my rights Account Name : XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX Account XXXX Account Name : RentRecovery ( Original Creditor : XXXX XXXXXXXX XXXX ) Account XXXX Account Name : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) Account Number : XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX 15 U.S.C1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency reporting agency can not furnish an account without my written instructions
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit that highlighted significant issues with the platform. Despite using Zelle on multiple occasions and reporting discrepancies, my financial institution and Zelle have failed to investigate my claims adequately. They have informed me that recovering lost funds is impossible and that tracking these transactions is unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Many times missed which is actually mentioned on my credit report looks inaccurate and or misleading. Please be sure to deliver substantiation that the alleged account was in fact overdue so you took the important tactics to assist you to carefully examine your accusations.
Product: Debt collection

Collection receivable is collecting on an account that is under investigation. XXXX XXXX Collector from Collection receivable admitted that the alleged debt that is own file in my name is under dispute ( PULL CALL ) As of XX/XX/2022 I take it that Collection Receivables XXXX received notification from XXXX stating that this account # XXXX is under investigation. 

However, XXXX XXXX took it a upon herself to stalk one of my relatives information and called them by phone acting as if she knew him, asking him about me and where I work. ( PULL CALL ) XXXX then decided to call stalk my employment, I answered the phone and instead of her properly confirming this was XXXX, she just stated talking about, she has my account from XXXX XXXX and that I need to pay her! XXXX did not identify her name or where she was calling from XXXX violation!!! XXXX also falsely stated that she was calling from ( XXXX XXXX ) She never identified that she was calling from a collection agency and that the phone call was recorded. BIG VIOLATION! ( PULL THE CALL ) I told XXXX I was at work and that the alleged account she is stating that I owe is under investigation. XXXX aggressively said that she is aware the account is in dispute status BUT how do I want to take care of this debt? BIG VIOLATION ( PULL THIS CALL ) I called back to speak with XXXX, who rudely answered the phone ( ONCE AGAIN SHE DID NOT READ THE TALK OFF TO ME ) SHE just immediately said is this XXXX, and that she put the alleged debt they say I own in REFUSAL TO PAY STATUS!!! I NEVER told her that! I told her she was lying and asked to speak with a supervisor XXXX then hung up on me. 

I called right back to speak with a supervisor, I guess XXXX XXXX is a supervisor ( She proclaimed to be over everyone on the floor ) I didnt believe her at first and then I asked to speak with a manager. Instead of XXXX, properly and professionally giving the phone call to the OFFICE MANAGER XXXX XXXX ( According to XXXXXXXX XXXXXXXX XXXX XXXX  ) She kept saying that she is the next person in charge. SO, I reported XXXX XXXX to her and let her know what took place our conversation. 

During my conversation with XXXX XXXX, she got angry and started loud talking me in defense of XXXX XXXX!!! I then asked to speak with the owner XXXX XXXX ( According to XXXX XXXXXXXX XXXX XXXX ) XXXX refused to give me the name of the owner or how I could contact her, she kept saying its public information and that she will just tell the owner to call me ( Pull the Call )
Product: Credit reporting or other personal consumer reports

I'VE CONTACTED EACH CREDIT REPORTING AGENCY BY CERTIFIED MAIL IN REGARDS TO INACCURATE INFORMATION BEING REPORTED, SPECIFICALLY THE XXXX ACCOUNT. THIS ACCOUNT HAS BEEN CHARGED-OFF BY THE CREDITOR AND CONSIDERED A PROFIT LOSS. 

THIS ACCOUNT WAS CHARGED-OFF 2020, AND HAS BEEN FILED ON THE CREDITORS TAXES. PER IRS, THIS IS NOW TAXABLE INCOME AND SHOULD NOT BE REFLECTING A BALANCE. 

ACCORDING TO FCRA, EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. EACH COMPANY FAILING TO DO SO HAS VIOLATED 15 USC 1681 ( E ) B. 

I HAVE REQUESTED THIS INFORMATION BE MODIFIED SEVERAL TIMES TO REFLECT CORRECTLY.
Product: Checking or savings account

On XX/XX/2024 I made a {$6000.00} cash deposit in my business account ending with XXXX at the ATM located at XXXX XXXX XXXX, XXXX, MI XXXX bank of America. The ATM jammed and took my cash which was all in XXXX dollar bills. I contacted the number on the ATM machine and provided the ATM number to the bank and made a claim for my missing cash as it was never deposited into my business account. They briefly looked over this claim and resolved it by depositing {$1300.00} into My business account. I called them and was advised by a claims supervisor that I need to Write a letter regarding refusing this amount as a final resolution, which I did that and faxed them the letter. They have not resolved this claim and have not deposited my money into my business account.
Product: Credit card

On XX/XX/year>, I made a manual credit card payment of {$8300.00}, which more than covered my prior statement balance of {$8100.00}. Despite this, Bank of America 's auto-pay system apparently did not realize that there was no outstanding statement balance and pulled out an additional {$8100.00} from my checking account on XX/XX/year>. 

I submitted a written request via the bank 's online chat portal for the {$8300.00} payment to be reversed on XX/XX/year> ( Bank of America advised that they couldn't submit a request to reverse the {$8100.00} payment as it was still showing pending in their system ). At this time, I was advised that it would take up to 10 business days to refund the overpayment. 

I contacted Bank of America again today ( XX/XX/XXXX ) to see where the request was in the process and was told that it was pending and this time was told that it may take up to 2 entire billing cycles ( i.e., effectively two months ) for the overpayment to be refunded. The representative also told me that there was no way to request that this be expedited.

The quoted timeframes for Bank of America 's standard process ( whether 10 business days or two billing cycles ) appear to violate 12 CFR 1026.11 ( a ) ( 2 ), which require overpayments resulting in credit balances exceeding {$1.00} to be refunded within 7 business days of a written request. Furthermore, Bank of America 's auto-payment system should be updated to detect whether there is any remaining statement balance before pulling out a separate payment for the statement balance.
Product: Checking or savings account

On XX/XX/XXXX we deposited XXXX in cash at a Bank of America atm. As the money was sucked into the machine, the atm failed and did not record the deposit. I called from the atm for help, Bank of America started a claim investigation, as of today, XX/XX/XXXX they have not credited our account with our money. They are not moving quickly on this and have given no proper updates as to what they are actually doing about this. They stated it would be approximately 20-45 days before a resolution on this. As we live paycheck to paycheck this leaves us in a bind. I have called several times to get answers and have had no luck at all.
Product: Credit reporting or other personal consumer reports

I appreciate your effort in providing some information regarding this matter ; however, I must bring to your attention that the documentation you provided does not fulfill the requirements for proper debt validation as outlined by the Fair Debt Collection Practices Act ( FDCPA ). 

I sent a written request for debt validation on XX/XX/year>. As per the FDCPA, debt collectors are legally obligated to provide certain information within 30 days of receiving a written request. 

Unfortunately, the documentation you sent ( a copy of a bill from the OC ) in response falls short of fulfilling these requirements. 

Specifically, the following information was not included : 1. Detailed breakdown of the alleged debt : The documentation you provided lacks a clear itemization of the debt, including the date of the last payment made, and any interest or fees that have been added.

2. Verification of your authority to collect the debt : The documentation you supplied did not establish your legal right to collect the debt. It is essential that you provide evidence demonstrating that you are authorized to act on behalf of the creditor. 
XXXX. Proof of written agreement : The documentation failed to include a copy of any written agreement or contract that substantiates the existence of the debt. It is necessary to provide a document bearing my signature or any other form of evidence indicating my acknowledgment and agreement to the debt.
Product: Debt collection

The Cain and Weiner Company has been aggressively requested a debt for office space utilized last year. We fulfilled or lease agreement with XXXX, and sent all documentation to the collector who has only replied back with statements reflecting money owed with no signed agreement. We also submitted the email chain reflecting the site manager confirming our lease end and zero obligation moving forward. They call twice daily and email and threaten our staff.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent Account Failure to Investigate Properly ( Identity Theft Report Attached ) Dear Experian, I am writing to formally dispute an account that has been inaccurately listed on my credit report. Despite a prior dispute, this matter was not properly investigated. Other credit bureaus have already deleted this fraudulent account from my report, and I request that Experian do the same. Below are the details of the fraudulent account : XXXX XXXX Account Number : # XXXX Balance : {$730.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) This account is a result of identity theft. I have attached an identity theft report for your review, as well as any necessary documentation to support my dispute. 

Please conduct a thorough investigation and remove this account from my credit report as soon as possible. As per the Fair Credit Reporting Act ( FCRA ), I have the right to have all fraudulent and inaccurate information removed from my credit report. I would appreciate written confirmation once the correction has been made. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

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

TransUnion is a mess. I placed a dispute on XX/XX/2020 and received notification from TransUnion this a.m., XX/XX/2020, that the results were in and to log into account to receive them. The results can not be accessed online due to a glitch in the system, and was informed to call the web tech for assistance. The person I spoke with on the phone did not speak clear English and was only able to pull up an old credit report where I still could not see the results of my disputes. There are two disputes, and I do not ever remember getting a notice that the  first dispute back in XX/XX/2020 was complete. The company is in dire need of oversight.
Product: Checking or savings account

I was charged with 3 overdraft fees on XX/XX/XXXX after the bank posted I had available funds on my online banking account ledger. On XX/XX/XXXX ... I was told I was overdrawn on XX/XX/XXXX. The available funds posted on XX/XX/XXXX was inaccurrate. My paycheck.posted at XXXX on the XXXX ... but according to the bank I was still.overdraft status ... .which did not post until.Saturday the XXXX. The bank refuses to refund two of my {$38.00} fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB Complaint to follow up the previous complaint I submitted on XX/XX/XXXX. I sent a letter on XX/XX/XXXX to remove some of the Personal Information, Accounts and Inquiries that are completely UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, # XXXX, and # XXXX & I am including it again. Under the provisions of the FCRA section 605b, I am requesting that the Credit Bureaus remove the following items completely from my Credit Report : XXXXXXXX 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 XXXXXXXX XXXX Balance Owed : {$840.00} XXXX XXXX  XXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 XXXX : Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name XXXX XXXX XXXX XXXX  : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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  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 reporting or other personal consumer reports

American First finance for the amount of {$890.00} is not my account. I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, In fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I received the results of my LexisNexis results of my dispute case number XXXX. They deleted a Bankruptcy from my file. I asked that they send their results to all companies which subscribed to their service such as XXXX, XXXX and XXXX. These companies are still saying LexisNexis is verifying a Bankruptcy on my file.
Product: Student loan

All of my payments have been applied to interest only. Nothing I have paid on my loans has been applied to my principal balance.
Product: Credit reporting or other personal consumer reports

these accounts with incorrect information do not belong to me, i want it to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

United Explorer Credit Card offered by Chase has a promotional feature related to the United MileagePlus program benefits which says " Premier qualifying points ( PQP ) help you earn MileagePlus Premier status, which provides you with an enhanced travel experience. You'll earn XXXX XXXX  for every {$500.00} you spend on purchases with your Explorer Card ( up to XXXX XXXX  in a calendar year ) that can be applied toward your Premier status qualification, up to the Premier XXXX level '' Since the terms and conditions says that the points have to be earned in a calendar year, a person getting a card in the latter months on the year ( in my case XXXX ) will not get an equal opportunity to earn this specific benefit as I just got a month ( XXXX ) in the calendar year. This doesn't give equal opportunities to members to earn the points and even if you spend multiple $ XXXX wit your card, your points will be flushed down in ta month or XXXX. The terms are written inside the website and are not very clear and misleading. They are also not easily found and you have to search for them. This is misleading the customers who go through a hard inquiry to get the card and hurt their credit.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed several hard inquiries that I did not authorize. These inquiries have negatively impacted my credit score. 

The unauthorized inquiries are as follows : XXXX Reported on XX/XX/year> XXXXXXXX XXXX  Reported on XX/XX/year> XXXX XXXX ( XXXX ) Reported on XX/XX/year> XXXX XXXX Bank XXXX XXXX XXXX on XX/XX/year> XXXX Reported on XX/XX/year>XXXX XXXX XXXX XXXX Reported on XX/XX/year> XXXXXXXX XXXX Reported on XX/XX/year> XXXX XXXX Reported on XX/XX/year>XXXX XXXX XXXX  Reported on XX/XX/year> XXXX XXXXXXXX Reported on XX/XX/year> I did not apply for credit, loans, or services with these companies, nor did I give them permission to check my credit. 

Upon discovering this, I took the following actions : I disputed the inquiries with the credit bureaus. 
I attempted to contact the companies involved for clarification. 
I am requesting that these unauthorized hard inquiries be removed from my credit report immediately, as they were not initiated by me. Please investigate this matter and provide a resolution as soon as possible.
Product: Checking or savings account

On XX/XX/23 I deposited a check into my savings account with Citibank that I received from one of my tenants. On XX/XX/23 at XXXX I was able to pay a bill and log on to my account. At XXXX my account had been restricted and all access to my account was blocked. I contacted customer service to inquire about my account and was told it was restricted due to the deposit of a stolen check. I told them it was not stolen. He stated that it needed further investigation and call back in 24 hours. I have called and spoken to numerous customer service representatives to be told that they need to verify the check by the maker but every time she calls they tell her that the phone number shes calling from is not in her name. They have already taken the funds from her bank but state that the check is unverified. They sent me an email on XX/XX/23 stating that they are closing my account and no debits or credits can come through but they accepted my direct deposit on XX/XX/23. They now have everything locked in an account and will not give it back for 30-60 days. 
Attached is proof that the check was valid and was taken from my tenants account.