23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I am writing in response to Bank of America, denying my request of open ended credit application. ( See attachment ). I am getting very tired of Bank of America denying my applications without any specific reason. Theyve expressed to gain a copy of my report from XXXX, which have no reason to deny as well, unable to verify my social security number? Theyve sent me mail to my residence, which is attached to my social security number, makes no sense. 

Bank of America is continuing to discriminate, and has violated the Federal Equal Credit Opportunity Act which prohibits creditors from discriminating against credit applicants on the basis of race, XXXX, religion, national origin, XXXX, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program or good faith exercise of any rights under the Consumer Credit Protection Act. 

I have the full capacity to enter a binding contract and refuse to be mistreated with prejudice. I am seeking full compliance and remedy. I have attached my Drivers license and Passport as proof of identity. 

Without Prejudice XXXX XXXX XXXX XXXX All Rights Reserved.
Product: Credit reporting or other personal consumer reports

Your Name Address City, State Zip XX/XX/2021 RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing to you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report. 
Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one attached. 

Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representatives, I am submitting this formal complaint to request immediate enforcement action against the major credit bureaus ( XXXX, TransUnion, and XXXX ) and the creditors associated with the fraudulent and inaccurate accounts reported on my credit file. These violations of my rights under federal and state laws require your urgent attention and intervention. 

Details of Violations XXXX. Fraudulent Accounts and Reporting Errors The following accounts have been reported without my consent or knowledge and contain multiple discrepancies in violation of the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX ( Account No. XXXX ) Discrepancies : Charged-off account with discrepancies in payment status, open dates, and lack of proper notification. 

Violations : FCRA 607 ( b ), 611 ( a ), 15 U.S.C. 1692g. 

XXXX XXXX ( Account XXXX. XXXX ) Discrepancies : Collection account with balance discrepancies and lack of validation.

Violations : FCRA 607 ( b ), 611 ( a ), 15 U.S.C. 1692g. 

XXXX XXXX XXXX ( Account XXXX. XXXX ) Discrepancies : High credit amount variations and conflicting open dates. 

Violations : FCRA 607 ( b ), 611 ( a ). 

XXXX XXXX ( Account XXXX. XXXX ) Discrepancies : Monthly payment inconsistencies and lack of proper validation. 

Violations : FCRA 607 ( b ), 611 ( a ). 

XXXX XXXX XXXX Discrepancies : Erroneously reported bankruptcy filings that I never submitted. 

Violations : FCRA 607 ( b ), 15 U.S.C. 1692g.

2. Unauthorized Credit Inquiries Unauthorized credit inquiries include : Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries were made without my knowledge or consent and violate the FCRA and Identity Theft XXXXaws.

3. Incorrect Names and Addresses My credit report contains fraudulent and inaccurate personal information, including : Incorrect names : XXXX XXXX XXXX, XXXX XXXX XXXX. 

Incorrect addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX. Failure to Protect Personal Information The credit bureaus and creditors failed to protect my personal information, allowing fraudulent accounts to be opened and reported without adequate safeguards, violating the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801-6809 ). 

Requested Actions I respectfully request that the CFPB : Enforce Immediate Removal and Blocking of Fraudulent Accounts and Inquiries thanks,
Product: Checking or savings account

I am filling a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which my violate the Electric Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about customers protection laws, and I request your assistance in investigating this matter. To ensure my rights are upheld. Thank you.
Product: Checking or savings account

I have Chase Southwest Rapid Rewards Credit Card. While checking my statement on-line, I saw an offer to get {$500.00} bonus if I opened the checking and savings account with Chase Bank, set-up the direct deposit and fund the savings account with {$15000.00}. I have opened the account online on XX/XX/XXXX, linked my external XXXX savings account and funded my checking account with {$1500.00} and the savings account with {$15000.00}. Immediately after this, my on-line access to chase.com was blocked. I have called the number indicated online to confirm my transactions and the account was unlocked. Several days later I have notice that my savings account was not funded and I attempted to fund it again with my external XXXX savings account. The online account access was locked again. After I called, I was told that the bank has decided to terminate their relationship with me and close all my accounts. They would not tell me the reason and would not reinstate my access to the credit card. The problem is that I am out of {$1500.00} that i used to fund my checking account and I don't have on-line access to track my credit card account. I have attempted to call Chase again and they would not discuss the reasons or allow me to access my credit card account. I am US citizen, a XXXX XXXX XXXX who passed number of background checks. I believe the only reason they are doing this is because I have a foreign name and speak with an accent. There are laws prohibiting financial institutions to discriminate based against national origin or ethnicity and it also appears to be an unfair and deceptive practice to advertise product and service and not to deliver them.
Product: Mortgage

I am currently involved in a foreclosure after coming out of Cares Act forbearance due to COVID. Here are the highlights : - I submitted for forbearance on XX/XX/XXXX - I extended the forbearance for as long as allowed through the Cares Act. 
- I have asked for any amounts to be rolled to the back of the mortgage since the first request- When I came off of forbearance in XX/XX/XXXX, I began making regular payments again, as instructed by my mortgage company, to keep foreclosure proceedings from moving forward and allow for forbearnace activities to take place. 
- I also started submitting the required loss mitigation package, at this time, through the mortgage companies electronic documentation portal. 
- The mortgage company would never acknowledge the submissions. 
- I submitted the package XXXX different times with the only changes being, updating the bank and pay statements for the months prior to the submittal. 
- The mortage company never even called or anything saying information was missing, and if we did hear from them, it was asking for the same information that was already submitted. 
- I got the VA involved and the mortgage company miraculously accepted the package ( same as all 5 others ) on XX/XX/XXXX. 
- The mortgage company also started foreclosure on the home while all of this was going on. I obtained an attorney and have been working with her for a year now. 
- I finally received an offer on XXXX XXXX, a year after the accepted submission date. **It was supposed to be 30 days** - The offer was for a new loan, higher interest rate, penalties that were never supposed to be assessed, foreclosure expenses which should never have been assessed, and for a new term, higher price, and higher payments. 
- We entered into mediation, the mortgage company would not answer any questions and made the statement, " The offer is the offer, there will be no changes. '' I have done everything I was asked to do by the mortgage company. I have complied with all requirements timely, THEY HAVE DONE NOTHING! 

Attached is the accepted package as noted above I submitted and received the acceptance with all documentation that will give you the case history. 

Attached is also the offer dated a year later from the date of package acceptance. 

Attached is also an itemized accounting of the charges including insurance charges and the other charges that are noted above that were not permitted through the cares act and a spreadsheet to help clarify the accounting I prepared due to the poor organization of the information they provided. 

Also, they have been completely wrong in their credit reporting, completely ruining my credit at this time with no mention of natural disaster, and no updates. 

Please contact me with any questions, additional information required, etc. I hope you will be so inclined to take this on and help me ( and I'm sure there are others ) that are being completely run over by this company.
Product: Debt collection

XX/XX/XXXX & XX/XX/XXXX served with summons from XXXX XXXX XXXX XXXX representing Bank of America. Case ongoing since, set for trial XX/XX/XXXX with trial conference mgt hearing XX/XX/XXXX. XX/XX/XXXX @ XXXXXXXX XXXX  & XX/XX/XXXX XXXX XXXX  first time any communication with BofA ever & Prior to hearing XX/XX/XXXX, I called BofA Account recovery Dept @ XXXX spoke with the following individuals : XXXX s/w XXXX  -advised me both accounts ending inXXXX & XXXX were both transferred to a new agency for collection as of XXXX, XXXX called for chain of assignment s/w XXXX who refused. Transferred to manager, XXXX XXXX who advised me and Bank of America is NOT involved in any lawsuit with me. 

XXXX XXXX asked for chain of assignment she put me on hold came back saying shes only allowed to give me the last 4, which she did. 

XXXX XXXX XXXX XXXX XXXX XXXX who refused to verify if theres a lawsuit involving BofA these accounts and myself.She responded only certain only higher offices can give that information. Then she proceeded to act like she couldnt hear me. 

XXXX XXXX XXXX, unaware I spoke with BofA, appeared in court for plaintiff asked for trial postponement until XX/XX/XXXX to investigate a hardship request from me. I had no idea why she would do this because clearly I dispute the debt, denied it by requesting a trial & online with XXXX who back in XX/XX/XXXX, sent dispute results not verification of debt belonging to me.The very next day, XX/XX/XXXX I received letters from XXXX on same dispute letterhead as disputed results written on from BofA, stating we have not been able to reach a payment agreement with you so we are now assigning these accounts to XXXX XXXX XXXX XXXXXXXX I received two more letters containing the same info but the company name different read now as XXXXXXXX XXXX XXXX XXXX Depending on which licensed state depends on company name ie., my state the name should read XXXX XXXXXXXX XXXX.This company uses their legal status as lawyers to intimidate and make the court believe they have legal rights collect debts which theyve never seen prior to summons and. Complaints issue from another state signed by robosigners. XXXXXXXX XXXX XXXX have been sued for working collection agencies to provide accounts falsely use courts to get default judgments hoping the customer unaware of this doesnt fight the case by not responding. Currently they are allowed to do business in Oregon only pending application for license in California.it should be noted that the letters I received make no sense because how is it Bank of America is represented by XXXXXXXX XXXX XXXXXXXX, but BofA failed to verify debt within 30 days, BOFA advised me XX/XX/XXXX. & XX/XX/XXXX, XXXX now assigned to collect it, Then Lawyers try to discredit that with a hardship I never requested from BofA ( if I did I would have responded to XXXXXXXX XXXX XXXX  recent letter offer to pay it instead of a trial ) which I didnt respond to, plus the letter sent after hearing has wrong font used by BofA and website address always listed underneath bank name appears letter isnt genuine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, I am verifying that I, XXXX XXXX XXXX, I am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Product: Debt collection

I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information your company obtained to see if it's legit. I never authorized anyone to share my information especially when it's regarding my medical information so please send me validation and send by attaching them to your response. please note that I don't ask for verification but a validation containing the information listed in the letter
Product: Debt collection

I received a letter stating a debt I owe that does not say from where and I dont know anything about me owing anyone this amount of money. How do I find out where this is coming from
Product: Debt collection

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 1. CITIBANK CITICard XXXX. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. You sent verification as to the account being opened and opened online. I never challenged the account being open. The account was NOT opened by me. Citibank removed and deleted another fraud account opened with Macy 's under CitiBank. I attached the letter from Macy 's Citibank as well. Please send me an updated copy of my credit report after your investigation and removal of this account XXXX : CITI XXXX {$3500.00} XXXX : CITICARDS CBNA XXXX {$3500.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on [ date of dispute ], along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ).

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX & XXXX XXXX XXXX
Product: Credit card

I have a Chase credit card that I noticed my balance on XX/XX/2016 was {$4100.00}, today XX/XX/2016 it rose to {$4200.00}. There has not been any purchases or activity on this account for several months. Chase is increasing the balance, without good reason, even though I paid {$130.00} last month.
Product: Checking or savings account

The Uniform Commercial Code ( UCC ) governs commercial transactions in the United States, including banking and financial transactions. While the UCC itself doesn't specifically address the opening of bank accounts, it does provide some principles that can be relevant. 

1. **Good Faith and Fair Dealing** : Under the UCC, there is an implied duty of good faith and fair dealing in all contracts. This means that banks must act honestly and fairly when dealing with customers. If a bank denies you an account without a valid reason, it could be argued that they are not adhering to this principle. 

2. **Discrimination Laws** : While the UCC focuses on commercial transactions, other laws, including federal and state anti-discrimination laws, may also apply. Banks can not deny services based on race, gender, religion, or other protected categories.

3. **Consumer Protection** : There are various consumer protection laws and regulations that banks must follow, which often require them to provide clear reasons for denying a service. If a bank fails to provide any reason for denial, it may be violating these regulations.

In summary, while the UCC may not directly state that it's illegal to deny an account without reason, principles of good faith, along with consumer protection laws, suggest that banks must provide legitimate reasons for their actions. If you feel you have been wrongfully denied an account, you may want to consider reaching out to a legal professional or a consumer protection agency for further guidance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying ti make a purchase and was made aware that my identity was stolen. I reached out to all the companies and they removed all the fraud information. This is the only company that said it wad not fraud I sent over all the information that was requested plus more. I sent them over a investigation validation letter and still have not heard anything back. I hope no one ever has fraud with XXXX they will not help you with the matter they want you to pay for something that does not belong to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your help to REMOVE some accounts from my credit file that occurred because of a FRAUD yet I have certain accounts passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence. 
XXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX XXXX Balance : {$590.00} ; XXXX XXXX  XXXX XXXX XXXX : {$2400.00} ; XXXX XXXX XXXX XXXX Balance : {$2400.00} ; XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

Several years ago I signed up for a monthly automatic withdrawal contribution for XXXX. Apparently the fund raising arm of XXXX is the XXXX XXXX XXXX. I lost my job in XX/XX/2018 and have been trying to cancel this auto contribution ever since. XXXX says they have nothing to do with the XXXX group. I have called, emailed, left messages for 6 months with the XXXX XXXX requesting they stop this auto withdrawal but to no avail. I have contacted my bank and asked them to deny this auto withdrawal and was told that since I used my debit card there is nothing they can do except cancel my debit card and issue me a new one. That's not going to happen as I have many auto withdrawals associate with this debit card. 

I am angry & upset. I believe that XXXX is a reputable organization and want to continue to support them by my membership and perhaps again by my monthly contribution once my fiancees get turned around. However this XXXXXXXX XXXX XXXX   needs to be investigated. They are collecting money from senior citizens that may no longer be able to afford the contribution. It is a disgrace. Please investigate them.
Product: Credit reporting or other personal consumer reports

There are unauthorized inquiries on my credit report and I need your help removing those so please check the documents I've sent
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report on Experian. To find a XXXX XXXX XXXX XXXX loan which I did not do. I have called XXXX SBA and no one has been able to help me. I have asked them for the copy of the loan which was in my name. I was told it was unable to be found. Experian has stated there is no way to dispute the claim until there is proof from the XXXX SBA. In regards of it not being me .Please advise
Product: Checking or savings account

XX/XX/2020 I had XXXX removed from account with no cause and they closed my account without telling me why. A lot of transactions was going on with my account and I received txts asking if I was the one making the transactions I said no and they went and proceed anyways.