23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

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

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance : {$9100.00}.
Product: Vehicle loan or lease

Exeter finance gave me a loan when I bought car in 2020 then when XXXX hit everyone was out of work there was no government help and as a 1099 entertainment company there was no immediate help they refused my request for lower payments they refuse to offer any help and I Miss XXXX and XXXX payment they repossessed my car which I've only had a matter of months refuse to work anything out with me even though we were in a complete natural disaster and the car was sold at auction yet they're stating that I owe them like {$7000.00} and I don't
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  XXXX docket # XXXX case # 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 reporting or other personal consumer reports

I was a victim of identity theft and I am currently in XXXX XXXX XXXX XXXX XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance : {$30000.00} ; XXXX Balance : {$16000.00} ; XXXX  XXXX XXXX : {$2800.00} ; XXXX  XXXX Balance : {$17000.00} ; XXXX Balance : {$12000.00} ; XXXX  XXXX : {$17000.00} ; XXXX  XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$620.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX/VICSCRT Account Number : XXXX This is not mine. 

3. Identity ThefXXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine.
Product: Credit card

Synchrony Bank has refused to cancel a fradulently-issued credit card in my name. They have also consciously done everything possible to make it impossible for me to CLOSE this fraudulent card or to file a complaint. Details follow in the letter I have express-mailed to Synchrony : -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX XXXX XXXX, 2016 Billing Inquiries Synchrony Bank XXXX. XXXX XXXX XXXX, XXXX XXXX Copy to : XXXX XXXX XXXX, XXXX XXXX XXXX : Fraudulent Account & Fraudulent Charges Account Number : XXXX XXXX XXXX XXXX To Whom It May Concern : I have today received in the mail an account statement for the above account number. This is to notify you that : 1. The account is fraudulent. I have never opened such an account. 
2. The purchases ( {$470.00} ) are fraudulent. I have never purchased the XXXX items shown on the statement. 

This letter is to request that you close this account and remove any reference to this account from my credit report. 

Background : I received your paper statement in the mail today, Monday XXXX XXXX. 
The statement did not show the charges, which purported to be from a prior month. 
Using the information on the statement, I created an account online in order to see prior statements. I logged in and downloaded prior statements to show the purchases. 
At about XXXX my time, I called your customer service number ( XXXX ) XXXX as shown on the statement. I spoke with a representative who identified herself as XXXX. I explained that the account was fraudulent and the charges were fraudulent, and I responded to a variety of XXXX 's questions. I asked XXXX to close the account so that no future charges could be added to it. She said she was not able to do that, and another department would have to do that. She indicated that she would contact that department and that they " might '' follow up. I asked her no less than four times to close this account and she consistently said she could not do that. She also consistently maintained that the other department " might '' follow up. 
I understand that the above call was recorded, so presumably it will be available in arbitration if we end up there. 
I then noted on the back of your statement, in the fine print, that you purport to disclaim anything not in writing - a point which, of course, XXXX never brought to my attention. Accordingly, I am writing to you today. 

Once again : I ask that you close this account and remove all reference to it from my credit report. 

Thank you, XXXX XXXX ( XXXX ) XXXX ( mobile ) Enclosure :
Product: Mortgage

My husband and I have applied for and been approved for a mortgage to purchase a manufactured home. Our lender is 21st Mortgage. Because I am XXXX, the lender has required that I provide copies of tax returns, profit and loss statements, and complete a form which allows them to request transcripts of the returns from the IRS. They have been able to acquire all of the transcripts of tax returns except for one ( 2018 ). Because of the global COVID-19 pandemic, the IRS is closed and this transcript is not going to be available for the foreseeable future. We were approved for the loan on XX/XX/XXXX and cleared all of the conditions by the first week of XXXX, meaning that documents were submitted. The hold-up has been one transcript from the IRS. 

When it was clear this transcript was going to be unavailable, I reached out to 21st Mortgage and offered my own sales reports as well as reports generated by XXXX which would verify my sales for 2018 and thus support the income I reported on my tax return. They have been unwilling to accept this documentation, saying that they require these transcripts for XXXX persons and can not make an exception. 

However, I spoke with XXXX XXXX, Finance Manager at XXXX  XXXX XXXX ( XXXX, CA ), where we are purchasing our home, and she informed me that the lender had made an exception for another borrower who was also waiting for a transcript, " But they have a credit score of XXXX '' she told me. 

While our credit scores are not high, my husband and I own the lot ( free and clear ) at XXXX XXXX where this home will be placed. We also have {$42000.00} as a down payment which is 35 % of the {$110000.00} total cost of the home. We have demonstrated that we can make the payments of {$890.00} which is {$410.00} LESS than our current monthly rent. 
As I read the Federal Reserve 's Fair Lending Regulations and Statutes, it appears to me that it is not allowable to extend an exception for COVID-19 to one borrower and not to others. The regulations protect consumers against disparate treatment. Furthermore, every American is suffering from the COVID-19 pandemic. If not for that circumstance, this loan would have been completed, and we would be living in our home. Credit score has zero bearing on this matter and to use that to deny us an exception granted to other borrowers is not equatable treatment. Please investigate this matter.
Product: Credit card or prepaid card

I received a letter from Capital One informing they had closed my two credit card accounts, ending in XXXX and XXXX respectively because they claim I used inappropriate language with their associates. 

To set the record straight, I personally did not have any conversation or interaction with Capital One or their associates whatsoever. My former assistant called on my behalf to dispute a late fee that Capital One erroneously assessed to my account ending in XXXX. I was not present for the call or the conversation and am unaware of what was discussed. Additionally, since the assistant no longer works for me, I can not ask him for an explanation. Capital One did not elaborate, they just made the accusation and allowed me no opportunity to address it. 

In the meantime, Capital One closed two active accounts with balances. I have never missed a payment, made a late payment, or behaved in an untoward way to this company whatsoever. Capital Ones poor reputation is quite well known, ( and this outrageous action proves it ) but in spite of this, I was always a good customer. When Capital One closed my accounts without notice, they significantly damaged my credit rating. Therefore, since Capital One took this unwarranted action against a good, longtime customer and wont reverse their decision, it appears I have no choice but to pursue legal action to recover my financial losses resulting from damage Capital One inflicted on my credit rating through their actions.

I trust that Capital One will bring proof of their claim in the form of a voice recording to court. I have a rather distinct accent, so it will be clear to everyone I was not a pert of this alleged conversation or inappropriate language.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX customer representative invited me to apply for one of their credit  cards since recognizing me being a long time customer so I said sure, why not so I did. 

After a month and forgot all about applying, received a letter from their credit card supplier " XXXX XXXX '' stating that I was denied due to what XXXX   reported to them but when I look at the reason ( s ) were completely different on what was on my credit report. I don't know what going on with XXXX XXXX  but I believe being discriminated because of my race. 

Its not being denied credit with XXXX but the untruthful and unreasonable reasons why and here are the reason ( s ) attached - some of their reasons don't even make any sense. 

... .and on top of that they stated that my credit score was " XXXX ''. I checked and it is " XXXX. '' It might be a possibility that they got me mixed up with another XXXX XXXX as it happened before and it is a common name.
Product: Credit card

Re : My Wells Fargo credit card : I made a payment for {$71.00} on XX/XX/year>, I closed acct on XX/XX/XXXX. Payment showed up on my bank checking acct statement XX/XX/XXXX. On my Wells Fargo statement to same bill suddenly appeared again when I looked back on or around XX/XX/XXXX. Even though the acct was closed. Wells Fargo keeps dragging their feet with nobody just taking care of this. I have talked with numerous customer serv ice personnel and now the finally gave me to the Wells Fargo Consumer Credit Line of Business Complaints. I have recently spoken with XXXX XXXX XXXX " XXXX  Complaints Mgmt Office '' ), a woman named XXXX, and a woman named XXXX who initiated things. This office can be reached at XXXX, XXXX is XXXX XXXXXXXX and XXXX is XXXX XXXX. I am not sure who their supervisor is. They have been pleasant to speak with but I need results for this payment to be acknowledged, my acct balance cleared to {$0.00} and this acct closed without further issues. Wells Fargo XXXX # XXXX Acct # ending in : XXXX. Thank you, XXXX XXXX, XXXX, XXXX
Product: Debt collection

I spoke with XXXX at Capital One employee identification ( XXXX ) that I owed on a debt that I have already informed Capital One in writing that cease and desist has been sent and received by certified mail. She then placed me on hold and told me I owed money and was 61 days on an account that I am pursuing Capital One through legal remedy.
Product: Payday loan

I took out a loan in 2011 from Cash Call for XXXX The balance never goes down The interest on this loan was 139 %. I see where there is a lawsuit against them from certain states and my state Indiana is XXXX of them. I have stopped paying them since I already have paid them over XXXX. I guess if they try to sue me I will have to get a lawyer. I do n't feel I should pay them anymore money.
Product: Mortgage

On or around XXXX XXXX, my mortgage loan was transferred to NewRez LLC. At some point, on the back of a NewRez statement, I noticed that NewRez was charging me a single late fee in the amount of {$1900.00} and a Non Sufficient Fund ( NSF ) fee in the amount of {$35.00} dollars. I contacted NewREZ and inquired about both fees and requested that both fees be removed. Please see my attached certified letter to NewRez dated XX/XX/XXXX. NewRez responded to this letter on XX/XX/XXXX and stated that NewRez has never imposed any late fees or insufficient fund fees on my account. NewRez specifically stated : " Please note, the late charge in the amount of {$1900.00} and NSF fee of {$35.00} was assessed by the loan 's prior servicer. Therefore, the amount of {$2000.00} of fee balance will not be removed. '' Although requested, NewRez provided no proof that any of these fees were legitimate. In their response letter of XX/XX/XXXX, NewRez states : " we have been unable to determine that an error has occurred '' but conversely they have been unable to provide proof that these fees are in fact accurate and/or legitimate. Please see attached correspondence.
Product: Debt collection

On XX/XX/2020 I was contacted by Receivable Performance management regarding a settlement was offered however, I explain that I was not familiar with these charged totaling XXXX USD and I requested a Debt Validation Letter on this day. Today XX/XX/2020 I called back for the 3rd time requesting this letter. the Collection company has stated that the last letter that was sent to me was on XX/XX/2020 to an outdated address ( This address had been updated with every phone call I made to them ). The company has had plenty of time to validate this debt yet has refused to and is now refusing to cease and desist, and remove from my credit report.
Product: Checking or savings account

Earlier this fall Bank of America and one of its Vice Presidents XXXX XXXX, of a branch in XXXX, Florida, undertook a concerted effort to injure me financially and inflict intentional mental anguish. 

This collusion of the personal and corporate to intentionally inflict demonstrable, tangible, and in some cases, irreparable harm towards me was and continues to this day to be in retaliation to my documented exposure of Bank of America 's non-compliance with certain key components of CFPB 's regulations. 

XXXX XXXX XXXX represented that she was there to help me and asked that I run ALL my Bank of America business through her because she had my best interests at heart. 

Not only will the facts show this documented assertion to be a fallacy, those same facts will demonstrate this was a conscience tactic of Bank of America to deceive me and make me act in contradiction of my best interests. 

The issue that first caused me to raise alarm officially towards Bank of America 's famously predatory business practices involved a key five day window of protection a consumer is entitled to under Dodd-Frank and as promulgated by the CFPB following a deleterious claims decision. 

Bank of America was ignoring this and numerous other aspects of both general underpinnings of American consumer protection law and specific rules and regulations as delineated throughout federal and state banking code. 

There needed to be quick action at the time to protect the rights of not just me and my case but for an entire class of individuals in similar situations who were also being subjected to Bank of America 's actions or inaction. 

In a situation that necessitated an almost immediate remedy Bank of America and XXXX XXXX at first committed to an answer within few days - 'by the end of the week ' - yet instead took months upon months of unresponsive arrogance to produce what will be shown to be nothing more than voluminous and vapid subterfuge which while heavy on insignificant factoids lacked a cohesive response to Bank of America 's systemic non-compliance, the core of my complaint, or even answer simple questions raised throughout the process. 

In the complaint I filed last I alerted assorted entities including CFPB that it was my belief that Bank of America was retaliating against me for exposing their violations and non-compliance. 

Again Bank of America dragged its feet in providing a response until just recently when I received notification from Bank of America, with no explanation provided, that they were closing ALL my bank accounts including ones totally unrelated to the issues involved. 

Futhermore they indicated an intent to seize funds still in dispute. 

They did what a predator does when confronted by its abusive behavior, they ignore the accuser, and escalate the abuse. 

While the list of egregious injuries reigned down upon me for simply asking some questions is too large to discuss in this toothless forum, XXXX XXXX and Bank of America should take no solace in assuming this marks the end of these issues, their culpability, or the punitive consequences for their actions. 

Stay tuned.
Product: Debt collection

Starting on XX/XX/01 a person going as XXXX XXXX said he was an attorney, if I didn't pay a gym membership to a gym I didn't attend, said if I don't pay XXXX hr will have my wages and they will take everything owned by me, furniture, TVs etc. He told me to borrow the money. I told him this was a pandemic, we arent in a XXXX  pandemic. Said use your stimulus money. I said I can call back in a week and he no because he knows I'll have anotheXXXX XXXX XXXX  Excuse. 

Hes been calling and leaving messages everyday since then/
Product: Credit reporting or other personal consumer reports

I have repeatedly over the years trying to get all these different inquiries corrected and they still have not done it and it is a violation of my rights
Product: Checking or savings account

I was a happily Chase customer for more than 2 years when i was in High school back in XX/XX/XXXX-XX/XX/XXXX. Recently I was trying to open an account with them ( Prepaid card, Chase Liquid ) since i'm being denied for a regular checking account with them as well, they don't give you an explanation on why your being denied. I DO NOT OWE THEM MONEY. I had an account with them back in XX/XX/XXXX and it was closed due to some deposit that someone made on my account witch it wasn't even mine ( came back as returned ). The person who did the deposit on my account it was a friend of mine ( not anymore ) and he took out like {$100.00} dollar from one of the check that day, but since the check came back as returned i had to pay the {$100.00} dollars plus a fee. I call chase, and they said I DO NOT OWE THEM MONEY and i'm still being denied by Chase.
Product: Vehicle loan or lease

the payments are not apply correctly, already file a complaint once, but this guy who said is a manager there, call me when I was busy and I ask for document that state why they not applying the money I send to the account but he said that I have some credit for the money I send but if I paid off I guess that extra money will be taken by the company and not applied to my loan, this person was more concern on convincing me of writing a good review other then fixing the matter, I just send XXXX dollars and the statement I received shows a payment of XXXX, doesn't reflect the money I sent and want to know where is the rest of the money?. seem like they trying to take my money but I will fight to the end for my money, I have been advised to contact my local police department and show the documents and contract and if they find something wrong will opened and investigation with I will do if nothing is fixed.
Product: Credit card

The XXXX stemming from this situation is tangible, affecting my XXXX quality and leaving me XXXX. The discrepancy feels difficult to reconcile with my consistent payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$1000.00}
Product: Credit reporting or other personal consumer reports

According to FCRA XXXX, we have to get rid of the wrong stuff on my credit report. Can you check the papers to see if there are any mistakes? Some of the accounts listed are giving the wrong information about amounts and dates.
Product: Mortgage

I contacted initially via email, then via phone 1FirstMortgage Puerto Rico then submitted all documentation asked for in reference to refinancing home under HARP, after receiving acknowledgement and credit info from them via mail have not received further info nor answers via email to finalizing refinance via HARP.
Product: Student loan

I am qualified and approved for the SAVE plan, which sets my monthly payment at ~ {$180.00} a month. I have registered this with FederalStudentAid.gov.

Recently, my loan provider was switched to Mohela. Even though I am approved for the SAVE plan, Mohela reverted to outdated information, which almost doubles my monthly payment. I went through and I reapplied to the SAVE plan through Mohela 's website ( even though they should already know that I'm on that repayment plan ), and the website verified that I should be paying the ~ {$180.00}. Despite that, Mohela charged me the higher amount based on the outdated repayment plan on XX/XX/23. In order to talk to any customer support from Mohela, there is a 120+ minute wait on the phone -- I live on the west coast , and their hours are only east coast working hours, meaning it is next to impossible to reach them by phone. This is ridiculous and I can not believe that this company is being allowed to operate and charge student borrowers more than they should be able to, especially considering how hard this debt crisis is hitting the average person.