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

On XXXX XXXX, Bank of America closed my Mastercard ending in XXXX. 

On XXXX XXXX I received an email notifying me of the closure. No reason was given for the closure. The email stipulated an adverse action letter would be sent and include the reason for closure. The email itself does not meet the disclosure requirement of Regulation B for adverse action notification under the ECOA. 

On XXXX XXXX I called Bank of American and spoke to XXXX and XXXX XXXX ( XXXX ). XXXX advised the closure reason was due to my credit score. XXXX XXXX, a manager, disconnected the call and did not call back. 

On XXXX XXXX I again called Bank of America and spoke to XXXX, XXXX ( XXXX ) and XXXX. XXXX identified as a supervisor and XXXX identified as a manager. 

I reiterated my XXXX XXXX request to reopen the account. I advised XXXX I was amenable to a credit review for this purpose. I advised all three that no adverse action letter had been received. XXXX advised that her account indicated none had been sent to date. My address was verified. It has been unchanged for 22 years. At XXXX XXXX disconnected the call and did not call back. 

It has been 22 days as of today since account closure and I have not received an adverse action letter. BoA agents indicate none has been sent to date. I anticipate BoA will violate Reg B. 

I am seeking resolution by reopening the account. I value the account as the oldest account on my credit bureau. This impacts the average age of credit and in turn my FICO 8 score. 

I recommend an investigation into Bank of America 's compliance with the ECOA Reg B as it regards the bank initiated closing of accounts, adverse action notification and the required disclosures of adverse notifications.
Product: Consumer Loan

Today ( XXXX XXXX 2016 ) I received a bill from GM Financial for the amount of {$7400.00} due by XXXX XXXX 2016. I terminated my vehicle lease on XXXX XXXX 2016 due to a military deployment and turned it in that same day. I received an odometer disclosure statement slip from XXXX XXXX ( Customer Relations Manager for XXXX ) upon turning in my keys. I faxed proof of my XXXX to GM Financial along with the odometer disclosure statement. On XXXX XXXX 2016 I received a letter from GM Financial stating that my account has been paid in full. I also have a screenshot that I took of my GM Financial account website which also shows there is a zero {$0.00} balance owed. I checked my credit report today ( XXXX XXXX 2016 ) and on my credit report for all XXXX credit bureaus it shows the account as paid off with a zero {$0.00} balance.
Product: Credit reporting or other personal consumer reports

I have found inaccurate information on my credit report. I disputed the items several times and each investigation has not fixed the errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft, my personal information was stolen and used to open several different accounts. I submitted an FTC affidavit and a report from my local PD disputing these fraudulent accounts. I have not authorized the openings of these accounts and have no information on who opened these accounts. I have submitted several disputes to XXXX   XXXX and TransUnion and they are refusing to remove these fraudulent accounts. I contacted the companies listed on my credit report for these fraudulently opened credit accounts and they could not give me information pertaining to these fraudulent accounts because I was told " my information does not match what is listed in their system. '' But every time I submit a dispute they are sending documentation to XXXX XXXX and TransUnion saying that " I am the verified account holder. '' THESES COMPANIES HAVE ALL SUBMITTED DOCUMENTS INCLUDING A POLICE REPORT AND A FTC AFFIDAVIT. 

ACCT : XXXX XXXX {$210.00} XXXX {$4600.00} XXXX XXXX XXXX   {$10000.00} ( These 2 accounts were removed and purchased by another lender and put back on my report ) XXXX XXXX XXXX {$9700.00}
Product: Mortgage

I took out a home loan and signed a note in 2004 with XXXX XXXX for $ XXXX, They filed bankruptcy soon after ( RESCAP ). The Bankruptcy Trustee holds the note and claims it was never transferred nor sold. Since then recently and alleged XXXX XXXX XXXX claims to be the TRUSTEE representing a non existent alleged LSF9 MASTER TRUST out of the State of Delaware which has not proven it owns my note, nor has purchased my note for any consideration, nor has the original properly endorsed note. They are not the Beneficiary and have no right to transfer any Servicing rights to any other company, including an alleged Caliber Hoam Loans. This new company, Caliber Home Loans out of the State of Texas, has no standing to service my loan since they do not have any evidence that XXXX XXXX XXXX represents the beneficiary of my loan, and therefore can not act on behalf of an alleged LSF9 Trust incorporated in the State of Delaware, which has not shown to be the beneficiary either, nor paid any consideration for my note. It does not have my original properly endorsed note. This is all fraud and they have failed to include me in the class action as requested by my attorneys the XXXX XXXX XXXX which is properly authorized to file all the necessary complaints including with the FBI, Attorney General, etc. to get to the bottom of this fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX Inquiry : XXXX. XXXX, XXXX EQUIFAX MORTGAGE SER Inquiry : XXXX XXXX, XXXX EQUIFAX MORTGAGE SER Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Mortgage

Please refer to the original complaint ID, XXXX-XXXX, that was arbitrarily closed without any concern to me as a consumer. Help me understand, what is the CFPB 's role? What exactly does " consumer '' " financial '' and " protection '' mean in your title? No one from CFPB has reached out to me to gain a better understanding of my complaint prior to closing my case. I am really confused as to your agency 's role. I am looking to escalate this further within the CFPB.

I was not properly informed by Quicken Loans regarding my refinance options under Texas law. The Unfair, Deceptive, and Abusive Acts or Practices ( UDAAP ) come to mind here. My refinance was : Unfair - My financial injury was not reasonably avoidable as I could have made a better choice, but their practice of not providing adequate information about Texas refinancing options hindered my ability to make an informed decision. 

Deceptive - The representation and omission were deceptive because Quicken Loans did not disclose my options under Texas law regarding my refinance options. Their employees are unfamiliar with Texas mortgage laws, and Quicken Loans does not even offer one of those options afforded to Texas homeowners. 

Abusive - Quicken Loans ' practices interfered with my ability as a consumer to understand the financial product that was solicited to me for failure to disclose all mortgage refinance options allowed under Texas law, one of which they do not offer at all. 

I was taken advantage of due to a lack of understanding of the material risks, costs, and conditions of the product offered. My ability to adequately protect my interests in selecting a better product not offered by Quicken Loans. My reasonable reliance on Quicken Loans to fully informed me as a consumer and Texas homeowner of all options availed under Texas law failed. 

Please reconsider opening my case and working with me, the taxpaying consumer who has been treated and dealt with in an unfair, deceptive, and abusive manner.
Product: Debt collection

Receiving several text daily from this company. Will not provide any information why.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with your debt validation practices. I have noticed several debts and inquiries on my credit report that I do not recognize. I am concerned about how these debts and inquiries were validated and attributed to me. 

I request a thorough investigation into these matters and a detailed explanation of the validation process used. This includes but is not limited to Collections, Hard Inquiries, and Late Payments. Please provide me with all relevant documentation and evidence that supports the validity of these debts and inquiries. 

If these items can not be validated accurately, I demand their immediate removal from my credit report. I expect a prompt response to this matter to ensure my credit report reflects accurate and verifiable information. 

Thank you for your attention to this important matter.
Product: Credit reporting or other personal consumer reports

A few months ago, I reviewed my credit report and found discrepancies related to the CREDITACPT account ( XXXX ). This situation is infringing upon my rights. I have disputed these inaccuracies with all three credit bureaus and the creditor, but I only received generic replies. Consequently, I am filing this complaint based on my findings. The company is violating sections of 15 USC.

15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.
Product: Checking or savings account

XX/XX/XXXX Dear Sir/Madame : On XX/XX/XXXX, I received a letter from Chase Bank XXXX Deposit Mail Services XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX XXXX phone : XXXX, advising me that they are closing both my checking and savings accounts, because of unexpected activity, quoting : After careful consideration, we decided to close your account because of unexpected activity on these or another Chase Account. I stopped by one of their branches at XXXX XXXXXXXX XXXX XXXX, NY XXXX to discuss the matter. The representative with whom I met thoroughly checked my accounts yet could not find any red flagged activities. The representative stated that the staff in the Chase Banking branches do not handle those types of issues and suggested that I check with the Chase Global Security Investigation. 

I have been a Chase Bank customer for several years, first with my daughter, then later with my son, in XXXX. I have a portion of my salary directly deposited into my checking, and I also have a savings account as well. 

I would like for Chase to explain what is Unexpected activity? Chase Bank also mailed a similar letter to my daughter who is presently the sole owner of an account that we used to share for the same reason. 

For the records, my XXXX  children and I are both professional individuals, and law-abiding citizens. 

I thank you for your time and assistance in this matter and look forward to hearing from you. I will forward copy of the Chase Bank letter I received upon request. 
Best Regards,
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed that Ive been a victim of identity theft and found numerous credit inquiries I have no knowledge of here are the inquiries that Ive found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$840.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$920.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Dear Sir/Madam, This is to report that TD Bank has created multiple accounts under my name and sent out credit card, ATM cards etc without my knowledge. 

Please take necessary steps to stop this fraud activity, take actions against those who are behind this fraud. 

Let me get an update, please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last billing statement for account was XX/XX/2018, and account was closed by XXXX XXXX XXXX after card was reported as lost. A new card was issued and the old card was supposed to have been closed and reported as closed to all 3 credit bureaus. Instead, the new account is appears, as is the old account that was closed. I have filed several disputes with all 3 credit bureaus and the company itself to update the computer systems and the credit bureau reports but it still shows both cards and balances owed. Likewise, XXXX XXXX XXXX, each month, continuously fails to report correct date of last payment, balance information, and fails to timely report all of the above information to all 3 credit bureaus at the same time, often not at all. I have continuously have had to initiate disputes to update the reports to get correct information reporting. Please correct this problem in your computer systems reporting to all 3 bureaus as well as delays by 1-2 months.
Product: Debt collection

Radius Global is attempting to collect a debt that does not belong to me. In addition, the debt doesn't belong to Radius Global. They have repurchased a fraudulent debt after the debt was verified as not mine by all other Radius Global collection affiliates. They have continually called me, but have no verification of the debt other than a database that they claim makes me responsible for the debt. This is in relation to a rented vehicle, that was turned in during business hours, but there was no attendant on duty. I put my keys in the lock box at the airport and about 1 month later they claimed I had scratched the paint on the bumper. This was clearly done by one of the drivers as they moved the vehicle in the tight airport garage spaces down to the cleaning areas, but they claim I must have done it when I was driving it. They can't provide any proof that I did it, and I can't prove they did it, but they are still trying to pass along this against me and I don't think that's right.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The last payment on the account # XXXX is more than 7 years and should have been deleted, but instead it is showing with incorrect " estimated month and year that this item will be removed : XX/XX/XXXX. '' In response to my previous complaint PRA stated that : Business records provided to PRA by XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX. However, my dispute was not about when the account was opened, but about when it was closed and the fact that that closure was more than 7 years ago and the fact that PRA is illegally reporting account that is too old to be reported. Please delete the account or provide evidence that the last payment was made less than 7 years ago.
Product: Mortgage

On XX/XX/XXXX, I applied for a refinance mortgage application with Bank of America. 

XXXX XXXX ( XXXX XXXXXXXX ) was my loan officer. 


Subsequently after the RESPA notice, I promptly supplied all requested documents to Bank of America. However, on XX/XX/XXXX, there was not a underwriting decision and the loan officer had no closing date in sight ( see attached document XXXX XXXX ) On XX/XX/XXXX, after 10.5 weeks from the initiation of the application and still no underwriting decision, I advised my loan officer that I will withdraw from the application. Since Bank Of America could not make a underwriting decision, I requested that the bank refund the {$880.00} of prepaid which was charged at the start of the application ( see attached document XXXX XXXX ). Afterwards, I made two attempt to follow up on the refund, but there was no response from the loan officer or anyone from Bank of America ( see attached document XXXX XXXXXXXX XXXX  ). 

A week later, I received an Action Notice letter, dated XX/XX/XXXX, that my mortgage was not approved based on Debt-to-Income ratio. The letter should have correctly stated that I withdrew from the application on XX/XX/XXXX ( see attached document XXXX XXXX  )
Product: Debt collection

I have been sending dispute letters for the account and I have not had one response from this company. They were not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Equifax data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following accounts XXXX | XX/XX/year>, XXXX : Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX | XX/XX/year>, XXXX XXXX XXXX : Account number : XXXX, and XXXX XXXX XXXX : Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTIANED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A COPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting or other personal consumer reports

I am a victim of multiple counts of identity theft by an individual I filed police reports and an XXXX report against. In XX/XX/XXXX, a business credit card was opened fraudulently in my name. The perpetrator racked up {$24000.00} of charges in my name and in XX/XX/XXXX, I discovered the account and reported it as identity fraud to XXXX. In XX/XX/XXXX, XXXX denied my claim and I filed another one. I provided additional documentation, such as two police report numbers that I filed against the individual for an ongoing investigation of identity theft. I also submitted an FTC Identity Theft Report and XXXX FBI report, and proof of address to show that the business card was mailed to an address that was not mine. XXXX denied my claim again and stated that I was responsible for the debt. 

Evidence that the card was not opened in my name includes charges on the statements that show the perpetrator 's name. Also, all the purchases were made in a state that I did not reside in. Furthermore, the address on the statement is that of the perpetrator ( and not my address ), further showing that the perpetrator had the business card mailed to his address. 

I would like all three credit bureaus to remove this account from all of the credit reporting agencies. This has negatively impacted my credit score by 100+ points and XXXX has yet to do anything about the claim/provide further information about the investigation despite two months of me consistently calling and following up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the credit bureaus regarding 3 debt collectors ( XXXX XXXX XXXX XXXX, XXXX XXXX and XXXXXXXX XXXX XXXX ) who engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.