23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Hi. My name is XXXX XXXX. I have had my Amex for over a year. I am reaching out because I submitted a request for a credit limit increase. Everytime I want to apply for a new card or increase, I have to submit a complaint because when I do it online or call it, it isn't done and someone from the executive team always has to reach out to me. I am just wanting a credit limit increase. That is all.
Product: Money transfer, virtual currency, or money service

Heartland payment systems hold my restaurant credit funds over 20 days, heartland never contact me after this happened, until I get on my online business banking account to check my balance, my balance went to negative, I got not enough money to run my business, have a great impact on my spirit and business. one of heartland employee counterfeit signature on my documents, I was uninformed about this, that is not my signature. Also they cancel my service with out my command, until I called heartland customer support to found out. When they do anything, they will not let customers know, that they will arbitrarily change customer information. ( my restaurant name : XXXX XXXX. address : XXXX XXXX XXXX XXXX Ohio XXXX phone number : XXXX merchant ID:XXXX. heartland customer support : XXXX XXXX XXXX and customer service:XXXX XXXX XXXXXXXX )
Product: Debt collection

This collection is being reported by  Fair Collections and Outsourcings on my wife and I 's credit report. This began as a fraudulent charged from its outset. My wife and I were ch arged by an apartment complex  (   XXXX   XXXX ,  XXXX , TX  )  {$170.00} for " cleaning and resurfacing '' after we left in late  XXXX   XXXX . When we left, the apartment as clean as it could be without actually hiring a cleaning service. The only cleaning that was n't done was dusting the top of the refrigerator because my wife could not reach that portion, and I was at work. We asked the apartment complex ( run by  XXXX   XXXX   ) t o provide proof as to why we owed this amount and they never did so. We also notified the complex that one of the countertops was not maintained properly before we moved in. We put in multiple maintenance requests that were never completed. After no proof was provided by the apartment complex, we refused to pay. After only one month of owing the reported balance, the apartment complex sent the amount to collections, held by  FCO , on  XXXX   XXXX ,  XXXX . After a few years of reporting to our credit, we decided to dispute the debt. FCO sent back a picture of the original bill stating the debt was verified but no actual proof as to why we owed that amount. We ended up settling the debt in  XXXX   XXXX , with the impression that the debt would just be cleared but it was n't, and we 'd like them to be removed from our credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for the loan on XX/XX/2019 and It was secured loan and I made 4 months of worth of payments and I paid it off on XX/XX/2019 and the company send me a check in the amount of XXXX. and some change I called them and I ask them when they are gon na report to the credit bureau and they said in the first week of XXXX and so far it still shows in all three credit bureau I still owe this amount of XXXX and I paid it off early .. and disputed with the credit bureaus and it was denied within 2-3 days and im asking self lender to report my account as closed
Product: Debt collection

XXXX XXXX XX/XX/XXXX 2017 {$1700.00} I have never enrolled in this school. I have tried to contact them on the matter with little to no information, I have also filed disputes and still nothing. I called the XXXX and started another dispute and now Im waiting. I had started receiving emails from them but had no idea of what they were talking about and the emails just kept coming.
Product: Credit reporting or other personal consumer reports

I've been a victim of fraud some one was able to obtain a loan on my behalf with the bank i was banking with and also open credit card under my name LOAN : XXXX XXXX XXXX Account Number XXXX Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Account charged XXXX. {$3600.00} written XXXX. {$3400.00} past due as of XXXX XXXX. 
Status Updated XX/XX/XXXX Balance {$3400.00} Balance Updated XX/XX/XXXX Recent Payment CREDIT CARD XXXX  XXXX POTENTIALLY NEGATIVE Date Opened XX/XX/XXXX Balance {$830.00} Status Account charged off. {$830.00} written off. {$830.00} past due as of XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent notarized documentation to XXXX XXXX XXXX XXXX XXXX to include a Notice of Dispute and a copy of my state drivers license as proof of identity. The drivers license has my signature on the front of the identification. I requested certified accounting documentation from XXXX XXXX XXXX XXXX XXXX in response to a recent credit report. XXXX XXXX XXXX XXXX XXXX states the account was allegedly charged off but charged offs are considered general income by Internal Revenue Services, but the information is still being reported which is inaccurate. XXXX, XXXX, and Transunion all state they do not report income. This information is contradictory and inaccurate. XXXX XXXX XXXX XXXX XXXX has failed to investigate my inquiry but somehow the information has come back verified and accurate according to XXXX, XXXX, and Transunion. The letter I received is proof of deceptive practice and failure to investigate a dispute claim by consumer. I have requested to opt out of this account being reported to my Consumer reports until I receive certified documentation that the account has been charged off by IRS standards. 
12 CFR 1016.1 gives me the right to opt-out of the sharing of my nonpublic personal information and I want to exercise my right immediately. Also, 15 U.S. Code 6802 supports my rights to opt out of non-public personal information. 
Accordingly, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, and Transunion have failed to adhere to the following federal laws and regulations : 15 United States Code 1681e ( b ) 15 U.S. Code 1681c ( a ) ( 4 ) 15 U.S. Code 1681c ( a ) ( 5 ) 15 United States Code 1681a ( d ) ( 2 ) ( A ) ( i )
Product: Mortgage

I am writing to file a formal complaint against NVR Mortgage Finance , Inc. regarding their handling of my loan process for a property located in XXXX XXXX. I believe that NVR has engaged in practices that are misleading and potentially predatory, resulting in significant financial and XXXX XXXX. The key issues I have encountered are as follows : 1. Lack of Communication Throughout the building and loan process, NVR has consistently failed to communicate effectively. Despite multiple inquiries, I have not received firm confirmation of the closing date, which has severely impacted my ability to schedule necessary utilities and equipment deliveries as well as move out of my current residence which has a firm deadline to move of XX/XX/2024. 

2. Prolonged and Uncertain Closing Date My original closing date was set for XX/XX/XXXX. It is now over XXXX months past that date, and the closing process remains rushed and uncoordinated. This prolonged delay is unreasonable and has caused considerable inconvenience. 

3. Mismanagement of Rate Lock and Float Down Option I paid XXXX XXXX of my loan ( XXXX ) for a rate lock and float down option with the understanding that if interest rates decreased, I could float down my original interest rate to a lower option and the {$30000.00} incentive XXXX homes agreed to would cover the remaining closing costs. However : - NVR did not communicate the true purpose of the float down option when it was offered. They continue to not directly answer my question on why the original interest rate isnt able to float down. 
- My inquiries about the float down option in XXXX, which would have lowered my interest rate to XXXX XXXX, were not addressed. My rate was not locked during this period because it fell outside the XXXX day window before the " closing date, '' leading to a significantly higher current interest rate. 
- Last week, I was given only XXXX days to decide on utilizing the rate float down, which is insufficient time to make an informed decision. 

4. Discrepancies in Closing Costs and Fees The loan estimate provided indicates significantly higher closing costs than initially communicated. Specific issues include : - An unexplained requirement of {$17000.00} in cash to close, despite already paying an XXXX XXXX XXXX ( XXXX ) of {$32000.00} and a XXXX XXXX fee for the rate float down. 
-A {$540000.00} property with a XXXX XXXX down payment should not result in total closing costs of approximately {$85000.00}. 

5. Potential Predatory Lending Practices The combination of poor communication, delays, mismanaged rate lock options, and significantly higher than expected costs suggests practices that align with predatory lending.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  IS REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. SOMEONE STOLE MY INFORMATION AND PRETENDED TO BE ME. THE ACCOUNT WAS OPENED AND MAINTAINED WITHOUT MY CONSENT, NOW I AM REQUESTING XXXX  TO REMOVE THE FRAUDULENT DISCOVER ACCOUNT FROM MY CREDIT REPORT. I HAVE CONTACTED THE FEDERAL TRADE COMMISSION AGENCY AND THEY SAID BY CIVIL CODE FCRA 605 ( 10 U.S.C. & 1681c-2 ) THEY NEED TO REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I HAVE CONTACTED THE CREDITOR WHICH IS DISCOVER AND I HAVE SUBMITTED MY IDENTITY THEFT REPORT O THEM AS WELL.
Product: Vehicle loan or lease

On XX/XX/23 I paid off my lease in full to purchase the vehicle. A payment of {$11000.00} was confirmed received by the lender which was the quoted buyout amount through XX/XX/23. When I call to check on the status of the title release I get sent to collections where they claim I am past due on a payment which is completely false. It appears that they internally changed the date of receipt of my payment to look as though I owe more money. They have not or will not send me the bill of sales to complete the buyout. They have now held my money for two weeks and have not credited my loan. They will not complete the buyout transaction. I have called at least 6 times and I get bounced from VRU, to collections, to end of lease to escalations. Its actually appears criminal what is happening here.
Product: Vehicle loan or lease

I am filing a formal complaint against American Credit Acceptance ( ACA ) regarding my auto loan for a XXXX XXXX XXXX ( Account No. XXXX ), co-signed by my ex-wife, XXXX XXXX, and myself. Despite being the primary borrower, ACA has failed to communicate critical actions affecting this loan, severely impacting my financial health and credit score. 

Key Issues : Unauthorized Loan Reinstatement : In XX/XX/XXXX, I voluntarily surrendered the vehicle to ACA due to the loan being significantly upside down. At an unknown point, ACA allowed my ex-wife to redeem the vehicle without my knowledge or consent, violating my rights as the primary borrower. At no point was I informed, nor did I provide consent, for the loan to be reinstated. I was not given the opportunity to decline responsibility for the loan after surrendering the vehicle.

Lack of Communication and Access : ACA has denied me access to the online account and any account information, despite multiple requests. Attempts to obtain statements, redemption details, and explanations have been ignored or denied. ACA sent police report forms without clear instructions or justification, which appears to be a stalling tactic. ACAs refusal to provide me with critical account information and its failure to notify me of significant actions related to the loan represent a violation of my consumer rights to transparency and fair treatment. As the primary borrower, I was entitled to clear, timely communication regarding the status of the loan and vehicle. 

Negative Impact on Credit Score : My ex-wife has missed payments on the loan, causing significant damage to my credit score. The ongoing financial instability caused by ACAs failure to properly communicate and resolve this issue has resulted in significant emotional and financial distress, further impacting my ability to secure necessary financial services, including another vehicle loan. 

Attempts to Resolve : On XX/XX/XXXX, I sent an urgent email to ACA requesting immediate repossession of the vehicle and expressing concerns about unauthorized payments. Despite multiple follow-up emails and phone calls, I received no satisfactory response. Instead, ACA sent me police report forms without clear instructions on how to proceed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate accounts on my credit report : Late Payment XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian. This is my FINAL attempt to contact you! These XXXX XXXXate payments are NOT mine! They need to be removed asap! This is defaming my name and perfect credit history! Ive also been denied credit because of this falsified information! These accounts are NOT mine and if NOT removed asap I will have to reach out to my legal counsel. You can see that the amounts have no background no history other than one single late payment and for small amounts which is ridiculous! They need to be removed. 
Youve ignored my XXXX XXXX XXXX  letters, no response other than computer generated dispute. These accounts are not mine and need to be deleted. 

Account numbers in question are as follows. 

XXXX XXXX  XXXXXXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX
Product: Bank account or service

I had a insurance check that I deposited in my TD Bank checking account and once it cleared I transferred the money to my TD Bank savings account. I was making purchases to replace items stolen from my home. As I was making the purchases I would transfer the money from my savings to my checking account. I made several transfers because I did n't want to keep the money in my checking account. Today I was checking my online statement and notice nine Excess Tax Fee 's @ {$9.00} a piece applied to my savings account. When I contacted TD Bank I was advised by the customer service rep. that the Excess Tax Fee was a Federal regulation and it 's nothing he can do. I explained to the gentleman that I had no knowledge of the fee and he reiterate what he just explain to me. What is so troubling about the whole thing is that when I reached the maximum number of transactions before the Excess Tax Fee was charged to my account, the online system never gave me a warning that I have exceeded the six transactions and a fee will be applied. Consumers should be notified that regulation is in place. I have never heard of this until today.
Product: Vehicle loan or lease

In XX/XX/XXXX would be my 3 years with Consumer portfolio as my lender for XXXX XXXX XXXX in which I had purchased from XXXX XXXX XXXX XXXXXXXX. 

I have been making payments on time for past 2 years and 11 months. 

As of XX/XX/XXXX I received an automated email from Consumer Portfolio Service Inc that my payment for XXXX is past due. I was puzzled because I check my bank account and it showed that it was paid in XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX for amount of XXXX dollars. 

I give them a call at XXXX XXXX XXXX to speak with their rep. I did not get their name but I was able to talk with rep. They stated that I indeed made the payment and the payment was not credited into proper account. I explained to them that I made payment via their own website. Rep stated that they will take care of it. 

Then on XX/XX/XXXX I received second automated email with same message that my payment is past due for XXXX. I gave them a call again this time and got hold of rep. I explained what is happening and they apologized and assured me that it will not happen again. 

I told them no I want letter of confirmation that you actual did credit the payment to proper account to ensure that my payment is update and on time. 

I also found more emails that I received from this company in past as well. i would consider this harassment due to fact that payments been made on time.
Product: Checking or savings account

I made six separate transactions on XX/XX/18 of {$20.00}, {$100.00}, {$100.00}, {$60.00}, {$20.00}, {$50.00} with the denominations of {$10.00} for all the transactions and received the exact amount withdrawn, nothing less or over. The problem occurred on XX/XX/18 when Bank of America made five unauthorized withdrawals from my account of {$20.00}, {$50.00}, {$60.00}, {$100.00}, {$100.00} ( total of {$330.00} ) stating " Crossload XXXX  's in {$10.00} 's ''. 

When I called customer service and spoke to the Bank of America fraud department, I was told that the ATM that I used loaded {$20.00} bill denominations into the {$10.00} bill slot and they stated that I received the {$20.00} denominations instead of the {$10.00} denominations, which is untrue. 

I filed a claim against Bank of America and the first claim made was for {$270.00} ( out of the {$330.00} total ) and the second claim was for {$60.00} ( out of the {$330.00} ). The second claim ( {$60.00} ) was paid but the first claim ( {$270.00} ) was not paid due to the reasoning they used stated previously. 

In conclusion, I was only able to recover the {$60.00} out of the {$330.00} that was mistakenly taken from me by Bank of America. If the {$60.00} was paid to me, the rest of the money ( {$270.00} ) should be paid to me as well, as they were originally part of the same transaction.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

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  I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX, specifically in relation to the recent data breach that has compromised the personal information of countless consumers, including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I request the removal of fraudulent information from my credit report that has resulted from identity theft and fraud. XXXX is legally required to complete this action within four business days of receiving this complaint.

*Fraudulent Accounts to be Removed : * -- -- 1. DEPTEDXXXX opened XXXX account number XXXX {$2800.00} 2. DEPTEDXXXX opened on XX/XX/XXXX account number XXXX {$280.00} 3. DEPTEDXXXX opened XXXX account number XXXX balance {$4200.00} 4. DEPTEDXXXX opened XXXX account number XXXX {$3500.00} 5. DEPTEDXXXX opened on XX/XX/XXXX account number XXXX balance {$7100.00} 6. DEPTEDXXXX opened XXXX account XXXX balance {$5100.00} 7. DEPTEDXXXX opened on XX/XX/XXXX account number XXXX {$2000.00} 8. DEPTEDXXXX opened on XX/XX/XXXX account number XXXX balance {$3900.00} 9. DEPTEDXXXX opened XXXX account number XXXX balance {$7500.00} 10. DEPTEDXXXX opened on XX/XX/XXXX account XXXX balance of {$7500.00} 11. DEPTEDXXXX opened XXXX account number XXXX balance of {$5000.00} 12. DEPTEDXXXX opened on XX/XX/XXXX account number XXXX balance of {$4900.00} 13. DEPTEDXXXX opened XXXX account number XXXX balance of {$4800.00} 14. XXXX XXXX opened on XX/XX/XXXX account number XXXX balance of {$0.00} 15. XXXX opened on XX/XX/XXXX account XXXX balance of {$0.00} 16. XXXX opened on XX/XX/XXXX Account XXXX XXXX Balance of {$4100.00} 17. XXXX XXXX opened on XX/XX/XXXX Account Number XXXX Balance of {$12000.00} The accounts listed above are fraudulent and have led to numerous unauthorized hard inquiries and derogatory collections appearing on my FICO credit report.

These entries are unequivocally tied to identity theft and are negatively impacting my credit standing. To substantiate my claim, I have enclosed documentation of my FTC Identity Theft Complaints ( XXXX ), which serves as compelling evidence that these accounts, inquiries, and collections are the result of identity theft and fraud. The negligence of XXXX in safeguarding consumer data has enabled identity thieves to exploit my personal information. 

I expect immediate action to rectify this matter, with acknowledgment of receipt of this complaint and confirmation of the steps being taken to remove the fraudulent information. Failure to comply with this legal obligation will compel me to take further action, including escalation to the CFPB, Federal Trade Commission, and legal avenues available to protect my rights as a consumer. Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX