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

A month ago I opened a business account with Bank of America. After depositing {$15000.00} into the account at branches while waiting for card tied to acct to arrive in mail. I needed to send a wire transfer to purchase equipment to build my small business. I went into the bank branch and was basically told that I could not send a wire transfer without the card. I was told to just wait a few more days for the card to arrive. After waiting a full week more for the card I went back into the branch and was told again I couldn't send a wire transfer from my business acct without the card. So I transferred the balance of my business acct to my personal checking acct and was finally able to send my wire transfer. This delay cost me {$1000.00}. An amount that as a small business definitley hurts. To this I was just told " sorry ''. After finally being able to use my own money through my personal checking acct I closed my business acct with Bank of America. Still keeping my personal savings and checking accts while I found a new banking institution to take my business to. The next evening I tried to purchase a {$2.00} stock photo for my business website with my debit card only to be told there was a problem with my card. I have now been on the phone with Bank of America XXXX service for close to an hour because for some reason, ( no one can tell me why ... ) my debit card was cancelled. There are no notes or reasons on my acct as to why it was cancelled. Basically leaving me with no access to my funds since I left the bank yesterday. They have told me they can not turn my card back on, but can send me a new card. No, I can not wait who knows how long for a new card to access my money. Money that the bank has no problem letting someone else use for their profit. so as of now I have no access to the {$12000.00} in my checking and savings acct. Also now since my card has been turned off none of my saved payments ( Mortgage, cell phone, etc ) will work. If this is not resolved soon I will end up with a late payment to mortgage company that affects my credit and livelihood. This is the most unacceptable treatment of a customer I have ever experienced. And at this moment Im being told by XXXX ( would not give me last name and would not transfer me to his boss ) that there is nothing they can do to help me.
Product: Debt collection

credit protection association is in clear violation of the fair and accurate credit reporting act I never got a letter saying that i owe any money and to who and why. I never got a mailing address that i can dispute the debt. I do not have a mailing address to dispute a debt. just none stop robo calls about a debt with an account # XXXX robocall debt collector that did not send me a bill via usmail. 
never gave me a chance to dispute. When i call to dispute the debt they robo call again the next day. refuse to provide me a place to send a dispute letter in writing never got any letters from them about this debt. this is clear violation of the fair and accurate credit reporting act. I should of got a letter with in so meny days of the call. never got no such letter do not know how i can dispute this debt for XXXX I would like to dispute because poor quality service provided resulted in a loss of {$4900.00} in lost trades. I do not feel that i owe any debt of {$210.00} because of the poor quality of internet service provided by XXXX. I demand a letter from this debt collector so i can send a dispute letter via us mail.
Product: Checking or savings account

On or about XXXX XXXX, a counterfeit check with a forged signature cleared our account at BB & T Due to transition in management, we were a bit behind and did not notice the fraudulent item listed on our Bank statement until XX/XX/2021, at which time we immediately notified the Bank XXXX 
Upon research, it was clear that the individual check was not one of our check stock and out of our number sequence, nor was the signature authorized when compared to the RESOLUTION on file with the Bank. However, the Bank has refused to own their mistake of paying an unauthorized item, which now presents harm to us in the amount of {$80000.00}. 
We feel the Bank has subjected us to Unfair Deceptive Act and Practices ( UDAAP ). We believe this practice to be UNFAIR in that the bank provided access to our funds in a significant amount to an unauthorized party. We believe that the Bank had a stronger transaction monitoring system, they would have been alerted to this unusual transaction. Since we normally transact by wire transfer, a large dollar item presented as a check should have alerted as an uncommon transaction for us requiring manual review. A manual review of previous checks would have alerted to a different check stock as well as a forged signature. 
The Bank also is DECEPTIVE in the protection they provide on negotiable items. Our RESOLUTION AND AGREEMENT FOR DEPOSIT ACCOUNT requires the company to provide the authorized names and SIGNATURES on the account, giving the impression that one is necessary ( which neither were in this instance ) to access our funds. 
The RESOLUTION further states that the Bank will only honor items " when signed or endorsed by an original or facsimile signature of any ONE authorized signor ''. In this instance, neither authorized signor signed the check that was honored by the Bank. 
We additionally believed that the Bank has likely covered fraud items before, even if notified beyond the time frame they are now saying we had to notice and report our fraudulent items. However, the Bank will not disclose any instances of past decisions that support or negate their decision in this matter. We find this to be not only deceptive, but certainly unfair to treat one account holder in a situation differently than another account holder. 
We would like an analysis of how the Bank has handled their negligence in paying counterfeit and forged items previously, and would like to see in the analysis if minority account holders are less likely to be favored by the Bank 's decision on accepting responsibility.
Product: Debt collection

I disputed with XXXX and collection agency Harris and Harris for a charge that was billed to canceled account. As instructed, I canceled my service and auto payment and was still billed erroneously. Numerous attempts to discuss with XXXX rep to my resolution got nowhere. Charge has been reported to credit agency. I disputed and it is still pending. Today, my credit score has dropped significantly for a bill I do not owe and is still under dispute.
Product: Credit reporting

I have items showing negiitive reports on accounts my ex wife must have got in my name unknowing to me
Product: Payday loan, title loan, personal loan, or advance loan

NETCREDIT is charging 99.98 % rate on a {$1500.00} online loan. I was told that the cap in Louisiana is 12 % to 36 %. I have been paying every month and today my balance is still XXXX. Nothing has been applied to my principal since XX/XX/2023.
Product: Credit card or prepaid card

On XX/XX/XXXX of XXXX I bought a XXXX that costed {$1700.00} in an XXXX store in XXXX, New York. When I was about to buy it, the sales person offered me the Barclay credit card with XXXX rewards. He told me that I could buy the XXXX with it with no interests if i would make more than {$1700.00} in payments before XX/XX/XXXX. I accepted the offer. 

By XXXX, XXXX I had already made {$1800.00} in payments, which, according to what was said to me, would exempt me from the interests of the XXXX purchase. To my surprise, last XXXX, XXXX, Barclay added {$770.00} in interests to my balance. When I called them inquiring about the sudden surge, they said those were the interests of the XXXX I bought in XXXX. They explained that the {$1800.00} worth in payments made by me didn't count towards the XXXX purchase. I was misled at the time they offer the credit card to me. I have been trying to explain that to multiple representatives, but they seem not to be willing to help. In XXXX, they closed my account and placed the debt in an in-house collection department. Meanwhile they are still increasing my debt by adding penalties and interests every month. On XX/XX/XXXX I call them again, and the representative told me that is there is a problem with the interests accrued by the XXXX purchase I needed to meddle that with XXXX, but XXXX said they have nothing to do with it because they are not my creditor.
Product: Credit card or prepaid card

I am writing today in regards to my account with CitiCard account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020 and XX/XX/2020, due to Covid I was unable to make the payment in those months since I was impacted by Covid. As soon as I was able to, I got my payment made and caught up.
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 XXXX and TransUnion dated XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the account to be authenticated ( A ). I will take legal action against XXXX and TransUnion if they do not validate the account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Balance : {$7300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party XXXX.The 3 Credit Bureaus is reporting inaccurate information on KAY JEWELERS. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A FEDERALLY PROTECTED CONSUMER I KNOW THE FAIR CREDIT REPORTING ACT WAS CREATED TO PROTECT ME. TRANSUNION IS NOT REPORTING A FAIR AND EQUITABLE TO ME CONSUMER REPORT BY NOT COMPLYING TO THE FCRA LAWS. MULTIPLE TIMES I HAVE BROUGHT THIS TO TRANSUNION 'S ATTENTION AND EVERY TIME CAME BACK VERIFIED. TRANSUNION REMOVE XXXX, XXXX FROM MY CONUMER REPORT. TRANUNION REMOVE THIS ADDRESS XXXX XXXX XXXX XXXX XXXX, AZ XXXX FROM MY CONSUMER REPORT. Pursuant to the Fair Credit Billing Act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. These charge off accounts I list below have billing errors. TRANSUNION can not lawfully report these inaccurate, inconsistent, negative information UNDER THE FCRA. The United States is bankrupt. I have asked the furnishers in writing multiple times in writing if this alleged debts were valid and what authority did they have to collect this debt in the United States they never answered these questions. These alleged debts could not be validated and turned out to be an extension of credit, that made the negative information provision in any agreement between us VOID and UNENFORCEABLE. These accounts included a finance charge and a finance charge that included a premium that protects the creditor in case of default. Insurance has been filed on these accounts.XXXX and insurance has been filed on these charged off accounts, they have no right to continue furnishing this inaccurate, information or to keep trying to coerce repayment of this extension of credit. The continued reporting of these inaccurate, inconsistent information 's constitute a breach of fiduciary duty. There is no law under the Fair Credit Reporting Act requiring these financial institutions and creditors to report negative information to MY consumer report. TRANSUNION and the companies listed are knowingly reporting and furnishing inaccurate, inconsistent, information on my consumer report. Reporting information with reasonable cause to believe is inaccurate VIOLATES the FAIR CREDIT REPORTING ACT. 
TRANSUNION REMOVE XXXX XXXX  ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT # XXXX. UNDER THE FCRA ALL THESE ITEMS LISTED SHOULD BE REMOVED PER MY FEDERAL RIGHTS.
Product: Mortgage

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate the lending practices of Rocket Mortgage. In the past XXXX years, I have attempted to remove the PMI insurance after my equity significantly increased. Initially, Rocket suggested using my home equity without the need for a new appraisal. When I asked to remove the PMI, Rocket demanded a new appraisal. I contacted Rocket to schedule the appraisal, and now they claim that they will only deduct the appraisal fee from the checking account on file and refuse to accept any other form of payment. I couldn't find this requirement anywhere in my loan agreement forms. I asked Rocket to provide their demands in writing before authorizing any deductions from my account, but they refused. 

I urge the CFPB to either enforce or enact new laws to prevent this abusive and deceptive business practice, where mortgage companies can unilaterally determine the payment methods for services that I am obligated to pay for without any written agreement being in place.
Product: Credit reporting or other personal consumer reports

THESE Companies ( XXXX XXXX XXXX XXXX XXXX XXXX has reported late payments & collections of no knowledge and theyve not under the FCRA Section 609 ( a ) ( 1 ) ( A ) that credit reporting agencies must physically verify the original signed consumer contract for every account theyve included into my credit report. Ive yet to see that and have not gotten anything of any sort. Ive kids and I am ill. 
Also mobile show XXXX different agencies that dont even make sense my information was sold I do t even know or understand who these people are.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a letter from the data furnisher stating they already REMOVED an inaccurate bankruptcy from my report and sent a request for a dispute with Equifax on my behalf, with no response from Equifax. also i disputed with Equifax 10 times, each time they pretend they have investigated or reinvestigated but although they were provided with a copy of XXXX removal letter and a copy of a letter from the bankruptcy court, they still sending me E-Oscar generated responses which are UNACCEPTABLE. I am uploading all needed documents here again. please review my claim and resolve my problem. 
Also this is the 4th time that i submit this claim with the cfpb, each time receive the same ignorant response from Equifax.
Product: Debt collection

LVNV Funding is illegally collecting and reporting a debt on my consumer credit report.

On several occasions, I have reached out to this company to get this issue solved. I originally sent this company a request to provide documentation that they are, indeed, entitled to collect on this alleged debt. They were not able to provide complete documentation, for I have never done business with this organization. 

My initial communication was a cease and desist, followed by a billing error notice. On XXXX/XXXX/2022, I received a response from this company stating that my previous complaint " did not contain sufficient information to resolve this matter ''. 

Recently, this company has received another request for documentary evidence of their authority to collect on this debt. I have received no response to this date. 

I have attached all correspondence I have had with this company.
Product: Mortgage

Long story shor  t. Nationstar prequalified me for a home purchase. After signing a sales contract on my existing home and a contract to purchase a new home, almost a month later, Nationstar denied my loan. I was told it was because of a software qlich that was n't " associating '' private mortgages for other properties I own. I understand pre-qualification letters are subject to further verification. However, Nationstar took almost a month between the time all necessary documents were emailed as requested, an appraisal on the new property completed, and no hint of problems throughout the entire process.
Nationstar essentially left me with two options, neither of which are good. One, place our personal belongings in storage and sell our home of 17 years and live in a hotel or back out of my existing sales contract and risk legal ramifications.
After many conversations with other lenders and brokers, my debt to income ratio is n't sufficient for a loan amount in areas my family wants to live. I can live with that and appreciated the other lenders telling me that upfront and honestly! Unfortunately, Nationstar led m  e to believe the loan would proceed and my life plans were made acccodingly. Bottom line is the " mortgage professional '' did n't do her due diligence upfront and should have never given me a pre-qualification letter. She simply said " sorry '' and went on her way.     My income is from many rental real estate properties I own and factoring income is n't as easy as it is with  XXXX  wage earners. I had a conversation upfront with her at the beginning of  XXXX  about my income. I was informed she was very knowledgeable in this matter and had worked with numerous other individuals in a similar situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXXXXXX XXXX  Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights.

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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX  and I have been writing your company endlessly and also writing directly to XXXX to try to get my credit score correct as I am a victim of identity theft since 2009 up to the present. I have tried endlessly to work with the credit bureaus but they keep reporting false balances even when I send actual paperwork from my credit card companies. Let me start with XXXX the balances that they are reporting on my XXXX account are in accurate and I would like it updated. Also the balances that they report one my XXXX XXXX card acccount is inaccurate and I would like it updated. Also the balances that they are report on my XXXX XXXX  card and my XXXX XXXX card are inaccurate and I would like them updated with correct amounts. Also XXXX does not have my employer listed and I would like my employer added to my credit report the company I work for is called XXXX XXXX XXXX XXXX. Also XXXX is putting my identity at risk because they displayed my whole social security number on my report and never updated my mailing address as requested. So please make them update my mailing address to XXXX XXXX XXXX XXXX ny XXXX  as they keep putting my information at risk.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against XXXX XXXX for furnishing information to credit reporting agencies without my consent. I believe this action is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 6802 ( b ). 

Recently, I discovered that XXXX XXXX has furnished my personal and financial information to the credit reporting agencies without obtaining my consent. This unauthorized sharing of information has negatively impacted my credit report and privacy.

Relevant Law : 15 U.S.C. 6802 ( b ) : " Opt-out '' Requirements : This section of the FCRA requires financial institutions to provide customers with an opportunity to opt out of the sharing of their information with non-affiliated third parties. XXXX did not provide me with this opportunity, nor did I give any consent for my information to be shared. 

XXXX XXXX has shared my personal and financial information with credit reporting agencies without my explicit consent, violating 15 U.S.C. 6802 ( b ).

Lack of Opt-Out Opportunity : I was not given the required opportunity to opt out of having my information shared with non-affiliated third parties.
Product: Debt collection

I never received any written communication regarding this debt. XXXX XXXX called me on Friday, XX/XX/2016 and left me a voicemail on my cell phone stating he was a private investigator and threatened to pursue legal action without even speaking to me to let me know what it was in regards to. Left the same message at my parents home, my grandmother, and my boyfriends home. I called them back immediately and XXXX XXXX told me if I did n't take care of the debt by the XXXX of XXXX which was two days away that he would be at my home between XXXX and XXXX and were going to serve me with documents and take me to court. I advised him that I wanted to settle the debt and that I was unaware that I owed anything as the last payment should have come out of my checking account which was closed at XXXX XXXX XXXX XXXX when I got divorced. I tried to call back later that day to get a settlement offer and pay the debt, however they we 're closed. I received a phone call on Monday XXXX XXXX, 2016 and this time he did not leave a message. When I called back immediately, I pressed XXXX per the automated system and spoke with a Rep. Named XXXX XXXX. XXXX XXXX advised me that XXXX XXXX was handling my case but had left the office for the day for a meeting. I advised XXXX that I am unemployed at this time, but I had {$300.00} and that I was willing to pay {$300.00} today to pay the debt in full. He placed me on hold to obtain authorization for the settlement and came back on the line and told me it was approved and we proceeded to make the payment. He advised me that a receipt would be mailed showing Paid in full. At XXXX, I received a call from the debt collector and XXXX XXXX XXXX called to advise me that I did not speak to him when I called and that the offer that I received was invalid and that he would be refunding me my money and pursuing legal action. That XXXX, who works for the same collection agency and received approval for the settlement amount did n't have his permission to handle my account and that I needed to pay an additional {$260.00} to pay the account off. He said that I went behind his back and made an arrangement without his permission and continued to get very ugly with me and threaten me with legal action after the agreement was already in place and the money had already been drafted from my account. So basically because he wanted more money, he is trying to tell me that my payment will be returned and that the verbal agreement I made with XXXX XXXX who drafted the money from my account and told me it was paid in full after receiving authorization from his superior is invalid.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$2000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX