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

Subsequent to filing cfpb complaints against PNC Bank and other Federal reports ingredients and Department of Human Rights complaints PNC Bank decided to break the law which prohibits retaliation if you as a witness complain against a business to the government or its Affiliates or subsidiaries whatever I got a threatening letter from PNC Bank by which I receive my Social Security and SSI from into their Bank I got a letter stating that they would be closing my account in issuing refunds during periods when an investigation with the cfpb is pending I take it they 're going to attempt to destroy evidence falsify records even more and Destroy any files or anything that could have been a supportive on my case against their video footage debit cards have already been altered and destroyed even people in fact one of my discriminations went missing left the bank facility as a branch manager overnight just never saw him again and I have a subsequent to file in the Civil Rights charge now this this Bank owes me more than {$4000.00} in transactions that went through and that were allowed under-9 matching to the debit slash credit mechanism card which was used that someone used sending an inmate cash from my account to prison the bank has refused me my money back and engaged and nothing but unlawful actions I want this Bank find and shut down and a full return it is bank is to cease and desist from closing anything until I give them permission to it 's nothing but retaliation which is illegal even in banking
Product: Bank account or service

On XXXX/XXXX/2015 I received a refund check from the Pennsylvania treasury in the amount of {$2500.00} via regular mail. I attempted to deposit it into my joint check account with my wife using Etrade mobile application check deposit. Initially it went thru but later I noticed that the bank rejected it and charged me XXXX and upon calling the bank and asking why they told me that the check was considered 3rd party based upon my last name being first and first name being second. I was advised to just mail in the deposit with a deposit slip which I did. Etrade bank received the check on the XXXX/XXXX/2015 and I noticed that they did not deposit it, after calling, emailing and more calling I was advised that the check is still considered a third party because my last name is first and that due to new banking laws they can not deposit it. I was told to fax them a letter of instruction changing my name on the account and then they maybe could deposit my check. I provided a letter of instruction citing that my name is as it appears on the check with the last name being first. I was told that the check name needed to be changed in order to process it. I called Pennsylvania Treasury and was advised that this is something that they do not do and that all checks are issued with the last name first. I advised the bank of this and was told that there is nothing that they could do. Etrade bank also refuses to return my check citing they must hold it for 20 days before returning it. In the meantime Etrade bank is hitting with service fee 's in the amount of XXXX each and to date there are {$300.00} in fee 's that they hit me with because they refuse to deposit my check. I have also been charged XXXX for the rejection by the mobile application. I do not have access to my funds and Etrade refuses to return the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian and XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXXXXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I submitted dispute with CFPB on XX/XX/24 for the following item : XXXX XXXX XXXX They have come back saying the information was verified I am now sending facts showing the inaccuracies with a copy of credit report. Simply stating that this is a verified account doesn't change the fact that I don't know what it is or why it is on my credit report! I need to see everything you've " verified '' with this account. This account was never legally investigated or verified. You're reporting false info. 

XXXX XXXX XXXX I was never late on this account, please send me the docs that prove that I was ever late, I cant figure out how you verified this late payment, when the only legal form of verification is the actual bank statement belonging to this company, Each bureau has different info in the historical payment data this is inaccurate and all lates need to be removed. How can the credit bureau claim information is verified when inaccuracies persist on the credit report? This raises questions about the effectiveness of their verification process and the need for transparency and accountability in credit reporting. At this point, I can't help but feel like I'm being discriminated against.
Product: Credit card or prepaid card

Summary : I ordered six XXXX sets and received a pair of sunglasses ( not ordered ) instead. I have filed two disputes with Chase, both have been denied. Chase has refused to reverse the payment of {$130.00} to the merchant XXXX. Details follow below : 1. On XX/XX/2020, I placed an order through a XXXX site advertising a one-day sale on XXXX sets. I used my Chase Sapphire Preferred card to purchase the following XXXX sets : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Ideas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I never heard from the company ; never received any confirmations or contact information. 
3. After six weeks, I moved to cancel the charge. Chase indicated they contacted the merchant and my order was being shipped out.

4. I never received any shipping notifications or updates.

5. About two weeks later ( early XXXX ) I received a package with a pair of sunglasses inside. There was no accompanying paperwork, and the " sender '' information on the mailing label was cut off and in XXXX. Photos of the mailing box and sunglasses are included in attachment Chase re-dispute XXXX - Item NOT As Described.pdf 6. I did not connect these sunglasses with my order for XXXX sets, and filed a claim for charge reversal on the Chase website using the reason that the merchandise had not been received. 
7. In early XXXX, I received a claim denial from Chase dated XX/XX/XXXX. Chase claims that they contacted the merchant who says they shipped the merchandise to the address I provided. This denial letter is provided as attachment " CFPB Complaint Chase First Denial.pdf ( 93 KB ) '' 8. I re-contacted Chase to explain that I never received any XXXX sets, only a pair of sunglasses that were never requested. I was told to re-submit my dispute using the reason " merchandise not as requested. '' This re-dispute was submitted on XX/XX/XXXX, along with photos of the sunglasses and mailing box. This letter, photos of the sunglasses and mailing box are provided in attachment titled " Chase re-dispute XXXX - Item NOT As Described.pdf '' 9.On XX/XX/XXXX, I received another claim denial from Chase dated XX/XX/XXXX. No reason was provided. This denial letter is provided as attachment " CFPB Complaint Chase Second Denial.pdf ( 93 KB ) '' 10. I find this to be bad faith from both the merchant and Chase Bank. No one should be required to pay for merchandise they did not order ( sunglasses ) or merchandise they did not receive ( XXXX sets ).
Product: Mortgage

Discharge of Third Deed of Trust with XXXX XXXX XXXX. In violation of California Code, Civil Code - CIV 2941 ( c ) and ( d ). ( c ) For the purposes of this section, the phrases cause to be recorded and cause it to be recorded include, but are not limited to, sending by certified mail with the United States Postal Service or by an independent courier service using its tracking service that provides documentation of receipt and delivery, including the signature of the recipient, the full reconveyance or certificate of discharge in a recordable form, together with payment for all required fees, in an envelope addressed to the county recorder 's office of the county in which the deed of trust or mortgage is recorded. Within two business days from the day of receipt, if received in recordable form together with all required fees, the county recorder shall stamp and record the full reconveyance or certificate of discharge. Compliance with this subdivision shall entitle the trustee to the benefit of the presumption found in Section 641 of the Evidence Code. ( d ) The violation of this section shall make the violator liable to the person affected by the violation for all damages which that person may sustain by reason of the violation, and shall require that the violator forfeit to that person the sum of XXXX XXXX dollars ( {$500.00} ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you today hoping someone here can help me because I haven't gotten any help, response, in regards to the validation or compliance of accounts which are negatively effecting me and reporting to my credit. This is causing me stress daily including any situation where I am penalized for these unverified items reporting to my credit. The accounts that have been effecting me because of the disregard to compliance and validation are, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX XXXX, NJ XXXX XXXX XXXX, I AM BEGGING YOU TO DELETE THIS SO I CAN LEAD A NORMAL LIFE WHERE I AM NOT JUDGED BY THESE INCORRECT AND INVALIDATED ACCOUNTS ON MY REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I sent a dispute letter by certified mail on XX/XX/2023 to Bank of America to dispute the charge off they put on my credit report. 

On XX/XX/2023, I received a response letter from Bank of America to the dispute I had sent. First of all they sent their response is written in XXXX and they did not send an English version of their response even though my dispute letter is in English so I had to have the letter translated. 

In this letter they do not send competent evidence or records of validation that is bearing my signature, they only sent one page letter with a recently written dollar amount in the letter and the date the account was supposedly open without any official records or competent evidence bearing my signature for that debt. 

The dispute letter I sent specifically requested this, " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' Bank of America did not provide this in their response letter, they did not properly verify the debt. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

I attached the dispute and response letters to this complaint
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against the XXXX credit reporting agencies, Experian, XXXX, and XXXX, for willful non-compliance in not removing old outdated information from my credit report. This non-compliance is negatively impacting my creditworthiness and causing significant harm to my financial standing. 

This marks the seventh occasion where I have contacted the credit reporting agencies to voice my discontent with the inaccurate personal details they have published. Despite my repeated attempts to rectify the situation, the credit reporting agencies have failed to take appropriate action to remove the outdated information from my credit report. 

I am particularly concerned about the extensive coverage of topics pertaining to my community, which has left me feeling unsettled. The broad scope of information published by the credit reporting agencies has created misrepresentations and misconceptions about my creditworthiness. I believe it is crucial to clarify the genuine advantages and factual changes that I am familiar with, in order to rectify these inaccuracies. 

To ensure the accuracy of my personal information, I would like to provide you with the correct details : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NC XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Employer : XXXX XXXX  Additionally , I have identified several incorrect addresses and employers that need to be deleted from my credit report : Incorrect Addresses : XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Incorrect Employers : XXXX XXXX XXXX I respectfully request that you take immediate action to rectify the errors mentioned above. These inaccuracies are negatively impacting my creditworthiness and could have severe consequences if a prospective employer or financial institution requests a copy of my credit report. I have enclosed copies of my Driver 's License, Social Security Card, and a recent Utility Bill to validate my identity and ensure the provision of accurate information. 

I appreciate your attention to this matter and your assistance in resolving these issues. I trust that the Consumer Financial Protection Bureau will take the necessary steps to hold the credit reporting agencies accountable for their willful non-compliance and ensure the accuracy of my credit report. 

Thank you for your prompt attention to this complaint.
Product: Mortgage

I applied for assistance in saving my home after falling behind on my mortgage. I fell behind after the IRS took monies out of my account and caused me to fall behind. My loan was modified before ( 2013 ) by ASC ( Wells Fargo Home Mortgage ). However they did not lower my payment to 31 % of my income as was required by the HAMP program. I signed the last modification under duress and now I am being blocked from assistance by Wells Fargo. I was denied with the excuse my payment is affordable, however it was never lowered to 31 % and I am supposively in the XXXX program which guarantees an affordable payment of 31 %. So my payment is NOT affordable and has n't been so even after they finished my last XXXX modification. Reason - they never lowered it to 31 % of my income. They fraudulently grossed up my income to inflate their new modified payment and interest rate. I am told this is common fraudulent practice of Wells Fargo on ALL of their modification reviews at that time. I now believe it after they got caught fraudulently opening fake checking accounts. I still have not received a denial letter or NPV chart since being denied in early XXXX. Right now they are basically evading reviewing me and trying to now take my house. I am told this is ALL common fraudulent practice of Wells Fargo ( ASC ) to over state a borrowers income so they get a higher payment from them when doing a loan modification that is subsidized by the government. Per ASC ( Wells Fargo ) my income is {$4900.00} per month. My income has not changed since my last modification which was completed on XXXX/XXXX/13. My incomer per Wells Fargo is {$4900.00} ( which has not changed since my initial application in 2013 ). My current payment is {$1700.00} - {$47.00} ( MI ) + {$18.00} ( XXXX ) = 34 %. ASC states I am being denied for a loan modification however, they have never modified my payment to 31 % of my income ( PITIA ). They have comitted fraud in order to get themself a higher payment and interest rate on my last modification. I am assuming since it was XXXX they have also defrauded the Federal Government by accepting monies for the XXXX program, while not actually lowering the payment to 31 % of my income. This is very common per my attorney and I suggest the CFPB investigate Wells Fargo for this type of fraud as I am sure they fraudulently underwrite all of their modifications just like they fraudulently opened all of the checking accounts. This is Wells Fargo practice that comes from the upper management down to every aspect of their business. They cheat everyone out of what they are supposed to get and only think of their financial gain. My last modification was fradulently calculated. I was given a payment of {$1900.00} XXXX per month which represents more than 31 % of my income at the time if they would have calculated it without fraudulently increasing ( grossing it up ) in order to get a higher payment for them self. I wish to rescind that fradulent modificaiton and have it re-issued with the correct amount to reflect 31 % of my income.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I called experian And i spoke with a XXXX for about XXXX mintues she was very hostile I explained to her my situation and explained to her How i filed a complaint with the CFPB. COMPLAINT NUMBER XXXX back in XX/XX/XXXX and I told her experian responded and stated this 'DESCRIPTION OF NON-MONETARY RELIEF Per your request to conduct a reinvestigation, we contacted the data furnishers vendor for disputed item on your Experian credit report and asked them to verify the accuracy of the information with which you disagree. They responded and verified the information is not listed on your Experian credit report. The results summary was sent to you for review on XX/XX/XXXX. ' i WILL ALSO PROVIDE DOCUMENTS IN SCREETSHOT. 

XXXX stated she dont see where it was ever removed but as i stated i have the call when I reached out to experian confirming that the account was removed XX/XX/XXXX. So i asked XXXX do you mind being recorded she said No i dont give you authorization to be recorded ( sounds fishy ). I asked her do she have record of the cfbp complaint i filed so we can go over it so she can look at what her company responded and said she stated " NO SHE DOESNT HAVE RECORD " AGAIN WHICH IS SUSPECT.
Product: Credit card or prepaid card

i have two credit cards with capital one ive been with them for years over 10. everything was fine for years then all of a sudden cap one change my due date then always changing my bill amount making me deliquent and always saying im one day late charging me late fee every month but i send my payment in on time and every month and im always a day late they say processsing time is the reason but i sent it 5 days early every time all my other credit card are on time no issues same process 5 days early please help me can you call me i think i can explain better whats going im being over charged by cap one call me please XXXX i can explain whats going on more clearly
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank card account ending in XXXX has no balance
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX Bank of America was negligent in sending a {$78000.00} wire transfer to an account with a different name on it than the one specified in the wire transfer by the sender. 

On XX/XX/XXXX the sender alerted law enforcement and Bank of America, instructing Bank of America to send a service request immediately to the receiving bank ( XXXX XXXX ). Freeze the account and get the {$78000.00} back as there was evidence of criminal activity. 

The XXXX XXXX account was immediately frozen and on XX/XX/XXXX, 5 days later according to XXXX XXXX   's own bank statement, there was {$48000.00} in the frozen account - see attached bank statement from the receiving XXXX XXXX which was provided to the investigating detective. 

On XX/XX/XXXX Bank of America deposited only {$23000.00} back into the account of the victim. 

Where is the remaining {$24000.00} that was left in the receiving account at the time it was frozen? That is MY MONEY.
Product: Credit reporting or other personal consumer reports

ACCOUNT NAME : XXXX  XXXX  ACCOUNT XXXX ACCOUNT TYPE : CHARGEOFF THIS ACCOUNT WAS OPEN FRAUDULENTLY, I HAVE A POLICE REPORT MADE PROVING THAT I DID NOT OPEN ACCOUNT, YET CREDITOR IS STILL REPORTING IT IS MINE AFTER I UPLOADED POLICE REPORT AND ID. THIS IS A CASE OF IDENTITY FRAUD AND I WOULD LIKE THIS REMOVED ASAP. NOT ONLY THAT IT IS ALSO REPORTING INACCURATLLY TO ALL 3 CREDIT REPORTS WHICH ARE XXXX / XXXX / TRANSUNION. I HAVE BEEN FIGHTING WITH ALL 3 CREDIT BUREAUS FOR A YEAR TO GET THIS REMOVED AND ALL IT KEEPS DOING IS UPDATING INACCURATE INFORMATION SUCH AS LATE PAYMENTS THAT ARE CURRENT, AND WRONG MULTIPLE CLOSING DATES AND YEARS. HOW IS ACCOUNT CLOSED AND CHARGED OFF BUT STILL REPORTING LATE, IF THIS ISNT REMOVED IN THE NEXT FEW DAYS I WOULD BE FORCED TO TAKE LEGAL ACTIONS AND SUE ALL 3 CREDIT BUREAUS FOR DAMAGES. XXXX XXXX AND TRANS UNION DENIED TO FOLLOW UP WITH INVESTIGATION. I RECENTLY WAS NOTIFIED THAT CFPB HAS FILED A LAWSUIT AGAINST THE COMPANY XXXX. THEY ALLEGED THAT THE COMMPANY OF ACCEPTING UNRELIABLE INFORMATION, FAILURE TO NOTIFY CONSUMER DISPUTE RESULTS. THIS ALIGNS WELL WITH MY SITUATION.
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 involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed 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 is the list of the erroneous account reporting on my Credit Report : XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion will not accept my disputes. I have tried sending in letters, calling in, they say that the disputes were not submitted by me, which is ridiculous because I always submitted proof of my identity by sending a copy of my social and driver 's license, so how could it not be me? Please do a proper investigation into these accounts and delete them promptly, if they can not be verified.