23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

On Wednesday XX/XX/XXXX I went to the local credit union, The State Employee 's Credit Union in XXXX NC to apply for a loan of $ XXXX.Initially I spoke with Financial Services Officer XXXX XXXX XXXX She took all of my pertinent information for the application. 

I showed her official documents that was approved for my SSI XXXX benefits which are {$890.00} per month. I also showed her official documentation that I would also be receiving back pay from SSI for beginning XX/XX/XXXX. I also have my Veteran 's Administration benefits going direct deposit into my checking account at SECU for {$100000.00} a month. 

I do presently have a loan of around {$5000.00} with the credit union of which a payment of {$180.00} monthly comes out of my checking account monthly before anything happens. 

There was a charge on my credit report that showed my student loan balance of {>= $1,000,000} of which I requested XXXX XXXX to check my files and she would see that I had documentation that the loan, due to me being a XXXX Veteran with an over % XXXX rating ( I have a % XXXX rating ), that my student loan was absolved and I had to pay them {$0.00} for 300 months and my loan would be forgiven. 

XXXX XXXX was not supportive of my request for the documentation of this agreement, and I had to push her hard, telling her that I lived right down the road and would go and get a copy and be back n a few minutes. She seemed impatient and agitated until I recalled that a copy should be in my file. She reluctantly went to retrieve it, and after an explaination and a few more back and forth between us which was pretty intense, not hardly what you expect during this process, She summarily turned down my loan stating that she was 'not comfortable ' with making that loan. I ask why? My income had practically doubled, my present loan was and had always been in good standing, My payment would have increased from $ XXXX monthly to {$290.00} which was well in my income range. She became argumentative and it was obvious that we were n't getting any where so I ask to speak to her Superior. She left the room in a huff and came back a few minutes later. She stated XXXX XXXX XXXX XXXX XXXX would speak to me now. She had 'spoken ' with her about my loan. 

I went to Financial service Officer XXXX 's office and was given the same reason for declining my loan after a few minutes debate. I saw that we were not getting, again nowhere so I requested to speak with the next person up the chain of command. XXXX XXXX told me that would be XXXX XXXX, XXXX XXXX. That he was out of town and She would give my phone number to him and he would call me the next day. I then left the office. 
To this day, I have not received a phone call from XXXX XXXX. 

I did receive a letter of decline from the credit union dated XX/XX/2017 which states the reason for the decline is 'affordability '. 

The reason I applied for the loan was because I had fallen behind in my house mortgage and wanted to bring it up to present.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- Company : 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 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 LAST UPDATED CHARGE OFF {$700.00} According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account.

I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) you have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.

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 given reporting agency can not furnish an account without my written instruction.

15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation.

A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation
Product: Credit card

After multiple attempts to resolve a vendor issue ( failed to provide merchandise, or refund ) I finally submitted a dispute of the charges with CITIBANK on XX/XX/XXXX ; CITI Dispute ID # XXXX Vendor : XXXX XXXX Order # XXXX Amount : {$260.00} Date : XX/XX/XXXX CITIBANK initially reversed the charges to investigate my dispute. On XX/XX/XXXX CITI re-applied the charges explaining that the vendor had shipped the items. No contact information was included. No tracking number was provided. NO merchandise ( clothing ) has been delivered. 

On XX/XX/XXXX I electronically submitted additional details outlining multiple email exchanges with XXXX at XXXXXXXX XXXX ATTN : Manager Dispute Resolutions. I also mailed ( USPS ) a duplicate hard copy file of the emails and the letter and the additional details required on XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX I received notices from CITI that they had received our dispute details and that the case was still open. 

Meanwhile, Ive been requesting to escalate my complaint to a CITI manager. It seems that a communication firewall has been erected around CITI managers, and/or others responsible for carrying out CITIBANKs advertised purchase protections. 

XX/XX/XXXX -The height of absurdity CITI has now closed my dispute by stating that the vendor does not provide refunds Still, no manager names, or contact info provided.
Product: Student loan

XX/XX/XXXX  I got confirmation that I successfully applied to the XXXX  income based repayment program. 

I spoke with my loan issuer AIDVANTAGE on the phone and they said we may have recieved your request but not yet processed it I tried calling a few days after with similar responses. They told me on was on forebarence until XXXX which i stated that I wasnt supposed to have interest charged on my loans based on the XXXX  program. 

This was ignored and they continued to charge me interest. I have self certified income multiple times throughout the month of XXXX to no avail. On XXXX XXXX I sent written instructions to the servicer. 

This was also not responded to and ignored by the student loan issuer who continues to charge interest on my loans and ignores my request for the income based repayment based on the XXXX  program. 

I have tried countless times throughout the last month and I would do anything to get this process moving in the right direction and the interest that has accrued so far to be taken off my student loan balance. 

My income is EXTREMELY low and I do not have enough to make ends meet in my household at this time. Please help me with my case, and clarify to AidVantage student loan issued that interest should not be accruing beyond the original loan amount with where my income is.
Product: Credit card

CapitalOne closed my accounts on BOTH of my credit cards I had with them, and they refuse to send me a check for the remaining credit balance on my Quicksilver card and my rewards points from my Savor One card. They closed both of my accounts because they think I was " abusive '' with them. The customer service representative on XX/XX/XXXX " tattle-taled '' on me because I was angry with her for not understanding my needs on a dispute. They hire street people with no knowledge and it gets me very angry when they don't know how to do their job. So I get an accounts closure letter dated XX/XX/XXXX, stating that they are closing my accounts because of " abusive behavior ''. And it also stated that I would get my balances sent to me by checks in ***7 to 10 BUSINESS DAYS***. Well here it is, XX/XX/XXXX, and I keep getting excuses that " their system '' won't let them send me the remaining balances! They REFUSE to tell me WHEN the system will let them send the check. They have NO time frame when that will be. I closed my last dispute on XX/XX/XXXX finally. I tried to tell them BACK IN XXXX that I received what I ordered and now they can close the dispute. They never did anything, so I had to keep calling them to close the dispute! Finally XX/XX/XXXX they DID. Now I call them back to tell them ALL OF MY DISPUTES ARE CLOSED. THE " FRAUD '' DISPUTES WERE CLOSED LAST MONTH!!! The customer service ***STILL*** REFUSES to level with me and tell me the truth when they can send a check out!!!! They make up all kinds of excuses why I can not get my money! ALL THEY NEED TO DO IS SEND ME A CHECK FOR THE AMOUNT OF {$40.00} THAT IS REMAINING IN MY CREDIT BALANCE, AND {$18.00} FOR THE SAVOR ONE ***REWARDS POINTS***!!! NOT EVEN 60 DOLLARS!!!! Why can't these people do their job and why do they LIE AND MAKE UP EXCUSES as to why I can't have what is left of my money?!!!!! It is a small amount, but it is MY MONEY, NOT CAPITAL ONE 'S!!!! Why can't these people do the right thing and send me the checks for those 2 amounts??? WHAT IS WRONG WITH THEM?!!!! I will NEVER, EVER do business with CapitalOne ever again. They are DISHONEST and they will STEAL YOUR MONEY! They close your card accounts for STUPID reasons, so they could steal your money. This is how they " stay afloat '', I suspect. I DID have a check sent out to me for {$540.00} of my REWARDS POINTS from my Quicksilver Card, so why can't they send me a check for the {$18.00} REWARDS POINTS plus the {$40.00} CREDIT BALANCE on my Quicksilver Card!!!!???? Why are they playing games with me and being so dishonest???!!!!
Product: Mortgage

Carrington mortgage told me I was eligible to apply for 1 ) LOAN MODIFICATION-After Carrinton Mortgage received all my PRIVATE bank statements, XXXX XXXX XXXX LTR , ETC ETC ETC, basically my PRIVATE INFORMATION, they denied my LOAN MODIFICATION APPLICATION 2 ) HOMEOWNER 'S ASSISTANT FUND ( HAF ) XXXXCarrington Mortgage is stating that they DENIED my HAF APPLICATION because they did " not '' receive a BANKRUPTCY CONSENT LETTER from my attorney XXXX XXXX XXXX XXXX XXXX My attorney AND the HAF attorney BOTH said they have ALREADY sent it to CARRINGTON!!! 

Again there is a HUGE discrepancy and I consider this to be another PREDATORY LOAN TACTIC! 

3 ) CARRINTON MORTGAGE IS STATING " I '' CAN NOT SEND THEM ANY DOCUMENTATION REGARDING MY HAF AND/OR BANKRUPTCY FILE AND/OR CASE WHEN I HAVE PROOF AS ATTACHMENTS THAT I HAVE DONE SO IN THE PAST AND THEY ARE REFUSING TO ACCEPT THE CORRECT DOCUMENTATION SO THEY CAN SAY THEY DIDN'T RECEIVE THE CORRECT DOCUMENTATION IN ORDER FOR THEM TO DENY ALL HOME ASSISTANCE APPLICATIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my XXXX, XXXX, and XXXX consumer reports, I observed that Bank of America has reported my transactions and experiences, particularly a late payment that you have posted on my consumer report :
Product: Money transfer, virtual currency, or money service

Dear CFPB, There has been no response from Bank of America to the appended correspondence. Could you please tell me how to proceed? 

Thank you. 


To : Bank of America - Executive Resolutions  <XXXX> Date : XX/XX/XXXX Dear Mr XXXX, In XX/XX/XXXX last year you were able to provide some assistance with my BOA account and I hope that will be the case again. 

As you may see in the appended message, last month I made transfer abroad which, with other banks in the US at least, routinely incurs Withholding tax. My question remains unanswered Whom must I contact, by e-mail, to get a reply? 

Thank you. 

Best regards, XXXX XXXX -- -- -- -- Forwarded Message -- -- -- -- To : XXXX XXXX XXXX Subject : International wire # XXXX Date : Tue, XX/XX/XXXX XXXX XXXX From : XXXX XXXX <XXXX> Dear Bank of America , Thank you for the recent USD wire transfer to XXXX. Can you please tell me why 10 % federal Withholding tax wasn't applied? Isn't this usual with transfers abroad? 

Best regards, XXXX XXXX
Product: Debt collection

Received a call on my phone of XXXX to call a XXXX XXXX at a number that the automated dialer said once with no repeat option from came from the caller id of XXXX. I dialed back the caller id and a lady answered the phone without any company identification and responded someone tried to contact me. She asked my phone number and I gave the XXXX, she informed there is an outstanding payday loan from Fastbucks with the email of XXXX. I informed her that is not my email,, she replied that I use that email to apply for the loan, Before I could ask any more information about the alleged debt, she hung up the phone. I immediately called back to get more information, and before I could ask anything, she informs me that I am harrassing her and she will file a complaint and disconnected the call. I suspect identity theft but unsure without any additional information. I block the number on my phone.
Product: Checking or savings account

I have open a bank account with Wells Fargo in XXXX, Texas. On. XXXX with {$500.00} and it has not been used or touch till the XXXX, of XX/XX/2022. It was used only for XXXX  for {$55.00}. Now with me on the phone with the corporate offices of XXXX, wells fargo I was informed that the only transaction was the {$55.00} for the XXXX. I was told about {$38.00} dollars that supposly XXXX of XXXX a XXXX XXXX was submitting when I did not even pick up from that location and she had put in the notes on the computer to corporate of XXXX that I did not have a Valid ID or a major credit card at XXXXXXXX XXXX on XX/XX/2022. She had never even asked but she had canceled my reservation that was told to me directly by a corporate employee meshell at XXXX  corporate office. She had my information with my reservation that was made on XX/XX/2022. When I had spoke with XXXX from wells fargo XX/XX/2022, and XXXX on XX/XX/2022 I was informed that the only thing that was taken was the {$55.00}. And the amount in my account was {$380.00} available balance. I asked him about the acitivy he informed me of the 4 items of {$38.00} from XXXX. I then called corporate again in reference to the chargers I was told that the {$50.00} credit was put back in the account and the 4 items of {$38.00} were to be input on hold, because they were to be held untill I returned the moving vehicle. My account should not had been touch. Then I received a phone call from XXXX a employee from XXXX  telling me that there was a {$130.00} charge to my account. I called the bank and I was informed there was no charge of {$130.00} done to my account. Then corporate of XXXX  agent XXXX, I had explained all this and she sumitted the claim and I have the reference number XXXX was @ XXXXXXXX XXXX. I havehad this going on and I know it is the conversations and the Haters I have reported this to every agency including the local police and the county officials and authorities. I have all this information in reference to this ongoing problem. Thank you, one more question WHEN YOU ARE TOLD BY THE BUSSINESS AND IT IS IN THE CONTRACT THAT YOUR ACCOUNT WILL NOT BE TOUCH, AND IT IS BY SCAMMERS AND WHEN THE COMPANIES ARE AUTHORIZED TO ACCEPT CHARGERS YOIR ACCOUNT IS EMPETY LEAVING YOU NEGATIVE AND INNSUFFINET FUNDS. I am at the bank and trying to take care of the matter as I type, thank you for your time. XXXX, Texas XXXX, XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

TransUnion.com wont load my credit report, disputes, or anything else passed home screen after logging in. I can only view my score through XXXX XXXX. TransUnion is giving a lower score to potential lenders than the other two by XXXX points and I cant do anything about it. Called and spoke to their customer support several times over the last XXXX weeks and nothing has been rectified. They are sharing my information without consent at this point, and I cant dispute the information, nor see my report directly violating my consumer rights.
Product: Credit reporting or other personal consumer reports

I discovered a loan on my credit report that does not belong to me. I have verified that the signature on the loan is not mine. I have sent loan verification letters to the creditor multiple times, requesting validation of this debt. Despite my efforts, no proper investigation or corrective action has been taken by the creditor or credit reporting agencies. 

Include dates, amounts, and actions that were taken by you or the company : Dates : I have repeatedly sent loan verification letters over the past months ( specific dates can be provided upon request ). 
Amounts : The loan amount reflected on my credit report has not been disclosed to me in detail but is falsely attributed to me. 
Actions Taken : Sent formal loan verification letters to the creditor. 
Notified the credit bureaus of the issue. 
Attempted to escalate the matter to ensure proper validation of the debt. 

The issue remains unresolved, and I believe this loan was mistakenly added to my credit report without proper due diligence. I am requesting a thorough investigation and immediate removal of this loan from my record.
Product: Bank account or service

I have been going back and forth with Bank of America regarding few fraud charges made to my account. My wallet was stolen and there money was withdrawn from my BOA and XXXX accounts. My wallet had my ID and debit and credit cards. XXXX was the XXXX to call me about the fraudulent activities. BOA account was hit worse. They withdrew the money from the ATM, bought stuff online, also cashed out a check with my name on it. This all happened after I had blocked the debit card. BOA has not been co-operating with me at all. Their claims department is the worst. They are not checking the regional bank camera and records for this fradulent activity. How can anyone walk into the bank and withdraw money from some other account? Whoever stole the money got a debit card from the bank with my ID and old debit card, which I did not have in possession. There was a replacement fee of XXXX $ on my account and there was a debit card issued which I never got hold of. They know its their fault and they are denying each and every claim made. I need some serious help. I have been constantly been denied inspite of police reports and other reports of money being stolen from other banks, including my XXXX account. Other banks were very helpful but BOA is giving me a XXXX XXXX. Please help!
Product: Checking or savings account

XX/XX/2022. There was a hard inquiry on my credit report from TD Bank. A similar occurrence happened with Target but they contacted me about it. I want to make sure that no account was opened in my name.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY DAD DIED XX/XX/XXXX XXXX XXXX XXXX AND MOTHER DIED XX/XX/XXXX, XXXX XXXX XXXX. PLEASE UPDATE RECORDS TO REFLECT DECEASED.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX : Formal Request for Debt Validation, Assignment Contract, and IRS Form 1099-C Compliance Dear XXXX, This letter serves as a formal request for validation of the alleged debt and compliance with all applicable legal requirements under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Consumer Financial Protection Bureau ( CFPB ) guidelines.

Request for Debt Validation and Documentation : Pursuant to federal law, I request that you provide the following documentation to substantiate the validity of the alleged debt : 1. Assignment Contract and Bill of Sale : o A complete copy of the assignment contract and bill of sale demonstrating your agencys legal authority to collect this debt.

2. Permissible Purpose : o Proof of permissible purpose under the FCRA ( 15 U.S.C. 1681b ) that justifies your access to and reporting of this alleged debt on my credit report.

3. Debt Validation : o The name and address of the original creditor. 
o A complete and itemized accounting of the debt, including the original amount, payments made, interest, fees, and charges applied. 
o Copies of all contracts, agreements, or documents bearing my signature that establish a contractual obligation for this debt.

4. IRS Form 1099-C : o Confirmation and documentation of whether an IRS Form 1099-C ( Cancellation of Debt ) has been issued for this account pursuant to 26 U.S.C. 6050P. If a 1099-C was filed, please provide a copy.

5. Verification of Reporting Accuracy : o Confirmation that all information reported to credit bureaus is accurate, complete, and in compliance with 15 U.S.C. 1681e ( b ), which requires data furnishers to maintain reasonable procedures to ensure the accuracy of information they provide to consumer reporting agencies. 
Cease and Desist Notice : Effective immediately, I demand that you cease all communication with me regarding this alleged debt, as permitted under 15 U.S.C. 1692c ( c ). This includes phone calls, letters, emails, or any other form of contact. All future communication must be in writing and limited to providing the requested validation documentation.

Demand for Compliance : If you are unable to provide the requested validation and documentation, I demand that you immediately : Cease all collection efforts.

Remove any negative information related to this debt from my credit report.

Confirm in writing that this matter has been fully resolved.

Failure to comply with these legal obligations may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the office of my states Attorney General. 
Please send all requested information and documentation to my address listed above within 30 days of your receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M HAVING ISSUES GETTING THIS ITEM REMOVED FROM MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is violating the C.A.R.E.S ACT by reporting late payments during the pandemic. I have reached out to them and the bureaus and nothing has happened.