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

PRELIMINARY STATEMENT XXXX XXXX XXXX, XXXX Filed a Discrimination Compliant with Bank of America at Bank at XXXX XX/XX/XXXX Discrimination complaint # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX for XXXX XXXX XXXX and XXXX XXXX XXXX XXXX is filing this discrimination complaint against BANK OF AMERICAN. Location at XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Financial Center Manger XXXX XXXX and XXXX XXXX, XXXX, Financial Soultion Adviser. On XX/XX/XXXX, XXXX XXXX XXXX XXXX when into Bank of America , location listed in this compliant to and opened a Advantage Safe balance checking account and experienced intentional racial discrimination form Bank of American employees . After XXXX, Officer, Financial Soultion Adviser opened Bank of America Advantage Safe balance checking account, he was immediately instructed to close, Advantage Safe balance checking account name XXXX XXXX XXXX account # XXXX XXXX - XXXX, by branch manager XXXX XXXX XXXX When asked what the reason was, for open and closing Trust account, Branch Manager XXXX XXXX, stated I need to come back to the branch and open, a new account the next day. I asked why and his statement was because. On XX/XX/XXXX. Trustee XXXX XXXX XXXX for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX returned to BANK OF AMERICAN . Location at XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. At XXXX to meet with Notary and have XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and Trust certification document notarized for XX/XX/XXXX. All documents were inspected by Bank of America N.A employee at same branch located at XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Next meeting with XXXX XXXX, Officer, Financial Soultion Adviser at XXXX to reopen that same Accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX which both accounts were opened for Private Irrevocable TRUST are non-Business Trust activity. XXXX XXXX XXXX ( non-Business Trust ) Account ( # XXXX XXXX XXXX ) open date XX/XX/XXXX and XXXX XXXX XXXX ( ( non-Business Trust ) Account ( # XXXX XXXX XXXX ) open date XX/XX/XXXX. After XXXX XXXX XXXX, XXXX funded {$500.00} deposited to both Accounts at local branch Location at XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Financial Center Manger XXXX XXXX and XXXX XXXX, XXXX, Financial Soultion Adviser threating to closed both accounts once again repeating exactly the same behavior as on XX/XX/XXXX. Which is in violation of Section 1981, Expedited Funds Availability Act, and the Parties Deposit Agreement but consistent with Bank of America pattern or practice of discrimination, BANK OF AMERICA threating to close both accounts that were just opened, and When XXXX XXXX XXXX, XXXX inquired about the account closure, Bank of America explained that such closure were necessary because XXXX XXXX XXXX and XXXX XXXX XXXX is stemmed from illegal activity, and that My EIN was a non-profit. In addiction XXXX XXXX XXXX, has maintain a non-Profit Account with BANK OF AMERICA for all most one year. XXXX XXXX XXXX, XXXX Filed a Discrimination Compliant with Bank of America at Bank at XXXX XX/XX/XXXX Discrimination complaint # XXXX.
Product: Debt collection

MCM XXXX XXXX trying to collect wrong amount from me and my family. 
I owe the credit card company in XXXX was about about {$760.00} dollars. The original credit card bank keep add wrongfull charg, interst and an neccery fee for years which was wrong. That 's why I did stop payment. 
In XXXX midland file a circuit court in XXXX XXXX MD and judgment which I did not know.

Now they are claimed more than {$8000.00} dollars and they forze my family bank account and already took some money after seven years. 
I am XXXX XXXX and I have XXXX daughter and my wife is XXXX. In this busy time my bank froze and took my family money. 
MIDLAND should stop this an acceptable behavior and save my family from this danger.
Product: Credit reporting or other personal consumer reports

Can you delete these inquiries? I don't have any information about this, and the company acted without my approval.
Product: Mortgage

Receive Social Security Check   XXXX   Wednesday of each month, Our house payment goes in the mail the next day   XXXX   Thursday of every month, I have cancelled checks for every payment for the last 32 years,   XXXX   XXXX   XXXX   sold account to  Carrington Mort gage and we have had nothing ut problems with them every since. We have sent copies to  Carrington  Mortgage and have tried to explained that we are not past due, now they are calling  2  to 3 times a day and threatening foreclose. We have asked them several times to put the old balance that they show owing to the end of the contract and they say they ca n't. My husband is   XXXX    XXXX   XXXX   XXXX  with  XXXX   XXXX  (   XXXX   XXXX   XXXX   )   XXXX   and  XXXX   XXXX   XXXX  the  XXXX  they are causing by sending  XXXX  to  XXXX  letters weekly and calling daily is not helping him. We have lived in this house for 32 years if we were not going to pay our mortgage payments why would we be in the same place this amount of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote the three credit bureaus, XXXX XXXX  and TransUnion on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.
Product: Student loan

I consolidated my loans back in XXXX. I was not placed on the XXXX plan as requested. I had to call 3 times to find out why and was told repeatedly that is the plan I requested and I should be on it. Then it turned out I needed to submit more information ( that I already submitted when I consolidated ) so I did that. While in this process I asked for all documentation related to my loans and my consolidation- they did not send me what I requested. 

My payment amount came out to be about $ XXXX nowhere near what student aid states it should be for the XXXX plan. Student aid says my payment should be between {$400.00} and $ XXXX that is calculated with higher income than Nelnet is using. I called again. Nelnet stated that the amount was wrong and I needed to submit a new application. They could not do it online. I had to fill out a paper application and upload it. Once I was moved to SAVE, they told me my payment would be {$1200.00}. Again SIGNIFICANTLY higher that student aid. 

I am now in a forbearance collecting {$40.00} a day in interest. I can not afford the {$1200.00} a month payment- I work in public service and have XXXX kids.
Product: Credit reporting

Improper, credit reporting for positive credit which has lead to my wife and I loosing the opportunity to buy a home before interest rates went up. The new rates force us to buy a smaller home and pay higher interest rates.
Product: Credit reporting or other personal consumer reports

I got a notification that on my credit report & equifax report are saying Im 30 days late on a payment for my XXXX XXXX XXXX credit card. That is not true. My last payment was made in XXXX & i already disputed this with the merchant. Its still on my report as i was never late on a payment. I also have two scheduled payments for this account that will be taken out in XXXX. I will appreciate the apparent late payment to be removed from my report. Thank you
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX paid and closed on report. I paid more than the balance stated. I paid the amount of {$300.00} to XXXX & XXXX XXXX XXXX XXXX ( Capital One ). I told Capital One to send a dispute or letter to resolve and have this removed off of my report with all credit bureaus once I pay the amount to resolve. When I saw that nothing was resolved I disputed it off of my credit report. However, it still is not fixed.
Product: Debt collection

On XX/XX/XXXX I received a letter dated XX/XX/XXXX from a XXXX XXXX XXXX, Attorney at Law, representing American Collection Systems , Inc. in XXXX, WY, stating that they had sent me a Good Faith Attempt to Obtain Responses to Discovery Requests pursuant to XXXX. XXXX to compel responses to their interrogatory requests in regards to plaintiff 's XXXXXXXX XXXX XXXX XXXX Interrogatories served to me, yet the notice is blank of the date when such documents were served to me. The notice states that I have 5 days to respond. Although I did have previous debt in XXXX, WY, such debts are all over XXXX XXXX XXXX. I have not lived in the state of Wyoming for more than 8 years now. Prior to my moving away from Wyoming in XXXX, this same company had perpetrated continuous harassment upon me from debt that was accumulated before the XXXX and of which, was debt that was accumulated during a time period in my life where my spouse was charged with 2 domestic violence against a household member. twice, for perpetrating physical assaults upon me and the debt this company is attempting to collect occurred during that such period of my life. XXXX is a small community and I can state with confidence that American Collection Systems , Inc. and even their CEO were fully aware of my situation, yet refused to offer me debts forgiveness as part of my healing process to move on from the wreckage of my past. XXXX XXXX. the CEO of American Collection System , Inc. was at one point, a pastor at a church that I attended prior to his obtaining this collection agency company and by so, XXXX XXXX does in fact know me personally.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I signed a lease agreement with the Koalafi also know as XXXX XXXX XXXX to lease furniture from a store name Furniture Direct. As I was signing the agreement the XXXX XXXX for XXXX direct informed me that my first payment will be due 10 days after the delivery. My delivery date was scheduled for XX/XX/XXXX. On XX/XX/XXXX, Koalafi drafted {$260.00} out of my checking account. I immediately called them to and requested to have the contact terminated as they prematurely billed and I did not receive my furniture yet. In the lease agreement, it states I can call Koalafi and cancel my account anytime without penalty. They told it would take XXXX business days for the customer advocate to reach out to me to file a claim. On XX/XX/XXXX I spoke with a customer advocate name XXXX. He advised he will need to conduct a investigation with XXXX XXXX and will follow up with me after the investigation is conducted. Well, XXXX denied my claim because the furniture store provided a copy of the invoice as proof of delivery. I did not receive the furniture. The authorize XXXX party delivery company XXXX XXXX XXXX has possession of the furniture because I refused delivery. Neither of these companies want to honor the lease agreement to terminate the my contract and wants to continue to bill for me merchandise I did not receive. I have attempted to terminate the contract with the Koalafi and XXXX XXXX and they are refusing to refund me the money that was drafted from my bank account and keeping me binded to a contract, so now I am responsible from items that are not in my possession and this transaction is going to end up on my credit report because they I am not going to pay for furniture that I do not have.
Product: Debt collection

I have been receiving calls for years from several debt collectors for my husband 's son 's debts. We owe nothing. My husband and his son have the same name. I have told them to stop calling and gave them son 's phone # but they call several times a day some with different phone # 's ... ca n't answer my phone anymore. 
Last number XXXX. PLEASE HELP! Thank you
Product: Mortgage

I mistakenly submitted a manual online mortgage payment not knowing an auto payment would be processed a few days later. I contacted my mortgage servicer on XXXX XXXX and asked for a refund of the duplicated payment. I was told to send the request via email and it would be processed immediately. It now has taken almost a month to get a response and they are requesting more information. At this point the next payment would be due anyway, so there is no need for the refund. We were short the funds all month due to the slow customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a complaint regarding identity theft and provided a Police Report and an FTC Report. The fraudulent items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? These accounts do not belong to me. Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or removed immediately : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX As you know, the Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer generated inquiry, or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source.
Product: Credit reporting or other personal consumer reports

I am a victim of ID Theft! After reviewing my credit report recently as I have not used my credit in many years, I have seen a lot of discrepancies on my file. There are multiple accounts that have been opened in my name without my authorization! I am filing all the necessary paperwork as I have recently found out about this. The following accounts need to removed from my Equifax, XXXX, and XXXX reports as they are unauthorized accounts : XXXX XXXX XXXX XXXX XXXX, XXXX {$2800.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX. XXXX, XXXX {$540.00} XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$490.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$740.00} XXXX XXXX XX/XX/XXXX {$470.00} XXXXXXXX XXXX XXXXXX/XX/XXXX {$470.00} XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX {$300.00} XXXX
Product: Credit card or prepaid card

I noticed charges on my account, and called to report as fraud. I later found out that a friends child, XXXX  years old, had used my computer and made the charges, not realizing they were real money. The company refuses to take them off of my account, even though the FTC says that I am not responsible for those charges.
Product: Debt collection

Dear Sir or XXXX : I am writing this complaint to you today regarding the practices of this company, and the response I received from this collections company, concerning an alleged debt. I sent a validation request to Convergent Outsourcing XXXX IncXXXX dated XXXX XXXX, 2022, in response to a negative entry on my credit reports listed by this collection company. The alleged amount owed stated was {$1300.00}, and the alleged creditor listed was XXXX. I sent this debt validation request certified electronic return receipt signature required via usps on XXXX XXXX, 2022. Records show the collection company received the validation request XXXX XXXX, 2022. The company responded in a timley manner as per the Fair Debt Collection Practices Act. I recieved a response dated XXXX XXXX, 2022. The issue and basis on this complaint is that the response was not appropriate, nor did it meet the requirements of the Fair Debt Collection Practices Act standards for verification or debt validation. The reponse to my request included a XXXX XXXX to be completed by the original creditor, or completed on the original creditor 's behalf, and returned to me as requested. My dispute and validation request for verification also contained a Request for Production of Documents pursuant to the full records of the account from both the collection company and the original creditor. All requests for information including the Verification or Debt Validation Request, Creditor Declaration, and the Request for Production of Documents were ignored and disregarded. The response I received from Convergent Oursourcing , IncXXXX was a fraud packet they erroneously stated I requested. This is a direct violation of the Fair Debt Collection Practices Act. The company continues reporting the entry without verifying or validating the information. As you are well aware, it is the collection company 's responsibility to provide the information to the alleged consumer upon request for validation or verification. I have disputed the entry with XXXX and XXXX, to which they have failed to respond or remove the unverified entry as well. XXXX and XXXX have failed to properly investigate upon dispute, failed to repond to the request for verification, and failed to remove inaccurate information upon notice of such status. I am writing seperate complaints for these credit bureaus, as they are complicit in this not being investigated, verified, or removed. I am requesting either an appropriate response to my Validation Request, Creditor Declaration, and Request for Production of Documents containing the information requested in these documents to meet the standard of debt validation, or that the company remove the negative entry from all credit bureaus in which it is being reported to. I have attached records of the original letter of dispute and request for validation, signature proof of reciept, creditor declaration, and request for production of documents, and the response I received to support this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted from my credit union that multiple Social Secuirty numbers appear under my name. I was told at least 4-5 different numbers show under my name and date of birth and address. I spoke to LEXIS NEXIS and was given no help regarding the matter. I would like to have this inaccurate information removed from my name and profile.
Product: Mortgage

I advised Ocwen that I received a loan modification approval with my XXXX lien holder. I called them for three days straight and they said I had to come up with the total due to reinstate loan, I expressed that I wished to modify as my first did and they said that it was too late that they had to have a package in 7 days prior to sale date. I found out that was untrue and that XXXX and XXXX are exempt from that rule. Had I been told the truth, I would have done everything I could to get a packet to them. The kept putting me on hold, saying they would try to escalate file and yet they did not and lied to me. I want the oppurtunity to stay in my home and continue with my modification trial months with my first and work out a modification with my XXXX yet the sold my property.
Product: Debt collection

XXXX XXXX knowingly and intentionally acted without lawful authority when it furnished the consumers private account information to Consumer Reporting Agencies one of those consumer agencies that I'm aware of is TRANSUNION and is therefore guilty of Identity Theft as defined by 15 USC 1681a ( q ) ( 3 ) & New York State Code 190.79 Identity theft in the second degree. TRANSUNION is in unlawful possession of the consumers private financial information and has used and shared it with third parties which include but may not be limited to consumer reporting agencies without authorization. The original creditor, XXXX XXXX, failed to provide me with the necessary disclosures required under XXXX and 15 U.S. Code 6802, These disclosures are vital in ensuring the protection of consumers personal information and preventing identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

review the following accounts that appear on my credit report, do not belong to me, and are hurting me Identity Theft KOHLS/CAPONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cash app ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations