23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Age Discrimination and Denied Consumer Credit Application ( XXXX XXXX XXXXXXXX ) I am submitting this letter as the authorized agent, XXXX XXXX XXXX, on behalf of the PRINCIPAL XXXX XXXX XXXX, whose power of attorney is on file with Bank of America. I write to report a serious issue regarding age-based discrimination and unfair business practices in the processing of a recent credit application for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX amount of {$21000.00}. 

In our recent interaction with XXXX XXXX of Bank of America, I was informed that the denial of the application was due to the banks lending philosophy. This rationale lacks relevance to the regulatory protections under the Equal Credit Opportunity Act ( ECOA ) for consumer credit transactions and suggests age discrimination, as no valid financial or regulatory grounds were cited for the refusal. Additionally, XXXX XXXX disregarded my legal authority to represent the PRINCIPAL and erroneously claimed I lacked contractual capacity, despite my clear instructions as his lawful agent. 

It is my understanding, supported by the Federal Reserves Operating XXXX XXXX. XXXX, that Bank of America, as a borrower utilizing the federal discount window, is obligated to handle collateral-backed applications with full transparency and compliance with federal lending standards. The PRINCIPAL collateral-backed application ( Security Collateral Application # XXXX ) should have been processed according to these guidelines, not dismissed based on an arbitrary philosophy. 

I have a transcript of the phone call on XX/XX/XXXX attached
Product: Credit reporting

According to XXXX XXXX, XXXX accounts have been put into collections. 
These accounts were opened as a result of an emergency hospital visit by my son. 
We happen to have the same name except he is " the XXXX '' and I am XXXX Our birth years are XXXX years apart, His address is the same as mine because he lives in our house. 
He is an adult and responsible for his own debts. 
The credit reporting company did not thoroughly investigate the debtor 's information
Product: Mortgage

I was involved in a divorce in 2009 and had to file bankruptcy. Fifth third bank was to foreclose on a home which I could no longer afford. The property still sits as a zombie property, with the bank neither foreclosing or releasing the home. As a result, vandalism continues to occur and I continue to receive costs associated with the home, since 2009! I have repeatedly called the bank to gain clarity and find their plan but they refuse to speak with me. They tell me that they can not discuss the matter. I would like to get this off my plate, by eiher the bank foreclosing on the home or releasing so I can sell it. In the meantime, the house sits as a vacant property, bringing other home values down and has become a nuisance. Somehow, this seems like an illegal practice, but it is not. Just extremely poor business practice from this bank who contributes to community blight. How can I get the bank to dscuss or take action to either foreclose or release the house?
Product: Debt collection

I do not owe any money to the company in question. I do not owe the orginal creditor either. All balances were paid
Product: Mortgage

in   XXXX   XXXX   XXXX   I made my payment early and extra on my principle and when I did that my whole payment went a suspense account, I called to get it resolved and was told that it was. My   XXXX   statement came and still was not correct I was then charged a late fee on top of my regular payment which I was told it was going to fixed. I was then told to make the late fee payment so that they could apply the  XXXX  payment and once I did that they would reverse it out and apply it to  XXXX  payment. I have called and called spend over  40 ho urs on the phone with the company who say that they are fixing the mistake and I am told it was fixed and it was in fact not. I have been making my payments on the   XXXX   or   XXXX   of each month for the following month and I am being charged late fee and penalized for their mistakes. They are calling me today telling me that I now owe over {$400.00} in late fees and that I still owe   XXXX   payment when it was paid on   XXXX   XXXX   XXXX  . Seterus customer service reps have threatened me with reporting this as bad credit. This is not my mistake this is theirs. I want it fixed.
Product: Credit reporting or other personal consumer reports

I reached out to Experian and spoke with XXXX on XX/XX/year> at XXXX XXXX  XXXX the following accounts that are showing paid on my credit report however disqualify me from being able to rent a home. I asked that these accounts be deleted from my report as they are paid and I was advised by XXXX that even though they are paid, they stay on the account for XXXX years after delinquency date is submitted, which makes no sense because if I would have never paid the debt, the account would have fell off of my credit within XXXX years as well. The accounts that need to be removed are as followed XXXX XXXX  of XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX rent. all these accounts are paid and positive standing therefore, its only right that they are removed because though they are paid, they are still reflecting negatively on my rent and credit score.
Product: Debt collection

XXXX XXXX XXXX had violated the FDCPA, XXXX XXXX, Banking laws, IRS reporting and Texas deceptive Act. This debt collector filed a law suit for an alleged debt, on XX/XX/year> CAUSE NO. XXXX, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX that said they purchased from XXXX XXXX that had an Arbitration Clause in it ( that XXXX never enforced not did XXXX file an claim of cause ), before ever notifying me XXXX XXXX XXXX XXXX XXXX the living soul man of, in writing so that I may request Validation of the alleged debt. The lawsuit seeks an amount of {$14000.00} in which they have never validated nor provided any accountant records to back of the alleged claim of debt. I received a letter dated XX/XX/year> from XXXX XXXX XXXX offering tax time payment options ( See attachment and the many violations in the letter ), after they had filed this claim in small claims court. I dont know who this company is, never had any deals with this company, nor has the person XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Corporation/Company , whom I own copyrights to any variations of, Attorney of fact, Trade Mark, Secured Party and any and all debts are owned to me the living soul man XXXX  : XXXX XXXX XXXX XXXX filing XXXX. XXXX filed this alleged account as a lost thereby income loss that they filed with the IRS and a XXXX should have been sent out. I've filed an audit, and Identity theft with the IRS against XXXX, Lending point the servers and XXXX XXXX XXXX for authorized use of my social security account number, filing of the XXXX XXXX into the Federal Reserve by creating an account without my written permission and obtain the cussip number and use the securities ( the promissory note on the stock market ) as a bond and collection millions of credits from it. This alleged account was paid for when they took the XXXX XXXX with my signature and deposited with the Federal Reserve thereby nothing was ever owed to them but rather to me the principal. 

This company has violated all my rights under the XXXX of the United States of America XXXX, the XXXX arbitration, FDCPA, TDCPA.
Product: Mortgage

I started calling about an error on my account with Fariway Independent Mortgage starting in XXXX of XXXX. I provided evidence that the escrow payment in XXXX included {$330.00} charge for interest resulting from the 1st tax installment, due in XXXX, was not paid until XXXX. This total paid in XXXX was {$330.00} over the total annual tax bill, due to the tax bill not being paid on time. 

I have called numerous times about this issue and was told a refund would be issued. They closed a ticket in early XXXX without resolution. We reopened a ticket, providing all of the evidence on XX/XX/XXXX. At that time we were told it would be resolved within 5 business days. After 6 days I called and they asked for more time. I replied that I wanted to speak with someone who could explain the problem. At that time they told me I would received a call within 24 hours. That window has passed and I have not yet received a call.
Product: Credit reporting, credit repair services, or other personal consumer reports

First off they have been reporting my student loans as late and they have never been late they have inquiries hard inquiries on there from real estate companies that I don't know where they came from cuz I haven't applied for any house because I'm on Section XXXX and I've been disputing and trying to get them to get it right for the longest my credit score is not what it should be and I'm just so tired of dealing with them is stopping me from doing a lot of things they give me a credit card offers that they say I'll be approved for and I never be approved I'm always denied they lie about a lot of offers and I'm always denied I need help with my credit because I'm trying to further my future and I need my credit to be straight I have a school on there where my identity was stolen and they were supposed to take it off so many years ago and they still have not the school was found in delinquent of overcharging students as it was but I'm not the one who got the student loan and it was from the XXXX  XXXX XXXX so I'm asking for help please I'm tired of dealing with them they don't do anything they're supposed to do at all
Product: Credit reporting or other personal consumer reports

Im having an issue getting my Early Warning Sevices Consumer Credit Report. I want Early Warning Services to mail me a complete copy of my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this date over 42 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611a it is plainly stated a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 42 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file for litigation. due ti XXXX you caused me. my information was also impacted by the Equifax data breach and may have gotten in to the wrong hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sarma ran my credit back on XX/XX/. I called them directly with no resolve. I disputed it with XXXX but they have not removed it. I have written letters and it still has not been removed. 

XXXX XXXX ran my credit XX/XX/2023. I did not authorize this. I wrote them a letter and it was returned unclaimed. I disputed with XXXX but they did not remove it.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I was scammed by an individual named XXXX XXXX on Venmo. I contacted Venmo about the scam and requested that they investigate. Venmo stated that they do not have any protections for people that pay for services via its app. I sent Venmo a screenshot of its User Agreement, which stated that if a person receives payment from an unauthorized servicer, they will refund the money and investigate, but Venmo is refusing to investigate. I believe if Venmo is going to handle funds of its users, it should have protections available. 

I even disconnected my debit account from Venmo prior to the funds being drawn, but Venmo still took the funds from my checking account. The total amount removed from my account was {$640.00}, XXXX refunded me only {$200.00}, but I am still missing the remaining balance. 

Venmo needs to establish consumer protections, issue a refund, and establish repercussions for individuals that operate an unauthorized business from its payment system.
Product: Consumer Loan

I got a loan in XXXX with Consumer portfolio services. I did not pay the loan off because the car was stolen and never recovered. Insurance paid the balance at the time. The creditor has been reporting this debt and changing the dates past the seven year period. The car was stolen I believe in XXXX but they are reporting XXXX as first report date. I have disputed with the credit bureau who indicates that the information is correct however, it is not.
Product: Money transfer, virtual currency, or money service

On XXXX  XX/XX/24 I met a private buyer at a chase bank ( buyers bank ) to sell XXXX  truck for the amount of $ XXXX. 
Buyer and I made an agreement for that {$29000.00} but Chase bank could not give the buyer the XXXX cash to purchase my truck at that time. I agreed to a cashiers check of XXXX and got XXXX cash and a XXXX cashiers check from chase bank. On XXXX  XX/XX/24 I returned to the same Chase bank that I got the cashier check from and they would not cash it because XXXX ) I didnt have a active account with them XXXX ) because they didnt have XXXX. 
So I decided to reopen an account I had there to try to solve the problem. Well, turns out I couldnt open my account because I had $ XXXX balance that was sent to collections .The XXXX  thing about that is, it was negatively withdrawn {$12.00} because of their monthly account fee not because I overdrafted! So disappointedly I solved another problem and paid that {$12.00} so I could open another account. After wasting all that time and {$12.00} they told me I could not cash my cashiers check or even deposit my cashiers check for XXXX hours because My Account was new. Frustrated and disappointed I calmly excepted that. 
Then today XXXX  XX/XX/24 I came back with my cashiers check and an opened account. I handed the cashiers check to one of the Chase employees and requested XXXX  XXXX cash and the rest into my new chase account. Well, after providing them with my state issued valid ID., a different debit card from another bank, a digital ID, and the very check with my name on it that I gave them they were not able to give me any money, even though they brought out XXXX in cash before telling me this. My option was to wait until my new debit card came in the mail. I asked for my XXXX check back and resisted the urge to XXXX super slam every single one of them. Im horrible at writing as you probably can tell. I just want to see if this is legal or not. and if so, what are my options? I lost two investment opportunities and havent had a vehicle to drive because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

all ftc violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Robocalls cost XXXX  $ XXXX arbitration award A XXXX woman won a {$450000.00} arbitration award from XXXX last month after receiving more than 300 robocalls from the XXXX-area retailer, which was trying to collect payments on her {$1600.00} sofa set purchase. 
Consumer Financial Protection Bureau Fines XXXX XXXX {$100.00} Million for Widespread Illegal Practice of Secretly Opening Unauthorized Accounts Search Results Web results FTC Imposes {$5.00} Billion Penalty and Sweeping New Privacy ... www.ftc.gov news-events press-releases XXXX XX/XX/XXXX - XXXX XXXX XXXX will pay a record-breaking {$5.00} billion penalty, and submit to new restrictions and a modified corporate structure that will hold the company accountable for the decisions it makes about its users ' privacy, to settle Federal Trade Commission charges that the company violated a XXXX FTC order by deceiving ... 
Search Results Web results XXXX XXXX  Robocall Lawsuit - The Class Action XXXX  XXXX Blog XX/XX/XXXX - XXXX XXXX  is suspected of violating the Telephone Consumer Protection Act. ... you may be receiving annoying robocalls in violation of federal law. ... cardholders and has loaned over {$2.00} billion since it was founded in XXXX. 


The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act.
Product: Debt collection

1- XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX , PA.XXXX ( XXXX ) sent my letters to connect {$10000.00} 2- XXXX  calls me twice per week phone # XXXX XXXX time XXXX XXXXXXXX  and XXXX time XXXX XXXX  XXXXXXXX  I want to stop calls and send letters because I am XXXX XXXX XXXX and have no income, receive money from Social Security only
Product: Credit card

So I got a call that they wanted to raise up the annual fees and the interest fees and I didnt agree to this and told them to close my account and asked if I closed my account would I still be charged the high interest and high annual fee and the representative on the phone said no I would not be since I didnt agree to it and close the account now its still charging high interest and high annual fee after they said I wouldnt be charged Ive seen a lot of complaints about this company and Im making my payments but my amount would never drop because of this
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair Credit Reporting Act the XXXX account numbers listed below has violated my Consumer Rights

[15 U.SC.   1681] Section 602 (A) States I have the right to privacy.
[15 U.S.C.  1681b] (2) in general (a) In accordance to
604[15 U.S.C 1681b Section (a)(2):Permissible purposes of consumer reports
 It also states a consumer reporting agency cannot furnish financial information of accounts without my written instructions
. 
XXXX XXXXclosed acct.)
Acct# XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXlate payments)
Account Number XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (delinquent /over limit)
Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Account Number XXXX XXXXpaid off)error XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Reported Balance XXXX XXXX XXXX XXXX XXXX (closed)(not reporting all bureaus correctly)
Account Number XXXX XXXX Reported Balance XXXX
Account Status PAYS_AS_AGREED(Account closed at consumers request)
 XXXX XXXX  (debt-to-credit ratio) (delinquent)
Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (debt-to-credit ratio) (delinquent)(ERROR-charge-off )acct. PAID REQUESTED CLOSURE BY ACCOUNT HOKDER)
Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCLOSED)ERROR (paid and closed at consumer request)
Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Account Number XXXX XXXX
DEPT OF ED/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
 DEPT OF ED/XXXX
Account Number XXXX XXXX
DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries

(Hard Inquiries)
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Product: Credit reporting or other personal consumer reports

Subject : Complaint Against [ Experian ] for Repeated Violations of the Fair Credit Reporting Act and Request for Deletion of Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against [ Experian ] for retaining inaccurate account information on my credit report despite multiple violations of the Fair Credit Reporting Act ( FCRA ), and to request the deletion of the inaccurate account information and legal action against [ Experian ]. Account Information : Creditor Name : XXXX XXXX  XXXX Account Number : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, [ Experian ] has repeatedly failed to comply with the FCRA and has retained the inaccurate account information. This ongoing non-compliance with the law has caused me financial harm and distress. The violations committed by [ Experian ] include but are not limited to : - Failure to conduct a proper reinvestigation following multiple disputes - Failure to delete inaccurate information as required by Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA - Failure to adhere to 15 U.S. Code 1681i ( 5 ) by retaining inaccurate account information I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate legal action against [ Experian ] for its repeated violations of the FCRA. I am also seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that [ Experian ] upholds its obligations under the law. Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifyin
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I was billed around XXXX XXXX for Emergecy services, it was only 2 tablets which I was administrated .Hospital involved was XXXX hospital in NJ, XXXX . This was on XXXX 2015, I agreed onto a payment plan, then it was given to collection agency. The agency sued me and caused major dip into my credit history. I want to pay this amount to hospital or the collection agency, biggest problem is they do n't have an automated debit system. Every month I have to call them and then make payment. This causes delay or I miss the deadlines in case I am not in the town or country. Please let me know how you can help me and I want to pay this amount. Please help me to restore my credit rating. All my mortgages, credit card payments, bill payments are in time. In last 7 years I have never faced such issue, please check my credit history. The Collection agency is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Thanks XXXX