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

When I was a US bank customer there was several accounts closed due to fraud. I would submit all the paperwork they'd ask for police reports etc. And they would not do anything about it. They would say it was me authorizing the transactions when it was not true. One of the bank tellers when as far as opening a close Friday fraudulent account and reissuing a debit card and sending a pin for it. When I tried using the card it said that the card was not activated. So my question is why would he have opened a fraudulent account back up and issued a debit card? Then I was kicked out of the bank and found out that the employee had been temporarily dismissed from that bank or whatever it was and then he was back. I was threatened by the manager and several of the 10 bank tellers and they were and I was told not to return to the branch when I asked for paperwork that I was entitled to as far as bank statements to see where the transactions, the amounts, dates, etc
Product: Checking or savings account

I logged in to my XXXX XXXX XXXX app on XX/XX/XXXX to check may balance and make a partial payment to my " Bank of America '' credit card, in order to lower the balance reducing my credit utilization to prevent impact to my credit score. Because a temporary charge from Friday XX/XX/XXXX changed from {$1.00} to {$3.00} after I scheduled my payment of {$60.00} I was {$0.00} cents short of the payment I attempted to make. As a result XXXX XXXX XXXX charged me a {$35.00} NSF fee. I called to ask for a 1 time courtesy waiver due to uncontrollable circumstances and the bank refused to grant me this courtesy after having my account with them for over a year and half and having never requested any fee waivers from them. I explained that their policies are not adequate to the least sophisticated consumer and their practices are misleading and unfair which is a UDAAP violation and that I would close my accounts and discontinue business with them. They advised me they have no retention practices and can not make an exception. I believe this practice is deceptive and abusive and unfair and have caused me an undue hardship. I would like the CFPB to use its rule making power to force this financial institution to make this exception. I am being victimized by the financial services industry and merchant transaction practices.
Product: Mortgage

I lost my XXXX job in 2015, now I work as an XXXX, my wife works as a XXXX. My mortgage is an FHA backed with PennyMac of XXXX XXXX, CA. 
Loan # XXXX. Our loan modification request was denied twice. Recently, I submitted a proof of my wife 's payroll and bank statement, but the company is not responding, and started foreclosure procedures. We contacted them as soon as I lost my job, but they told us that the loan is not one year old yet, so we waited, borrowed money to pay for back mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this Complaint to you once again to request that you update the status of the following accounts. I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 
XXXX XXXX Balance : {$340.00} XXXX XXXX  Balance : {$3100.00}. Also, I previously requested that you send me copies of documents resulting from your investigation and yet I received nothing. Under the Fair credit Reporting Act, it should have been expected that the disputed accounts be corrected.
Product: Checking or savings account

TIAA Bank has held on to my funds, in the form of a large check, since XX/XX/2019 and has not returned to me the said check.
Product: Credit card or prepaid card

I have a problem with USAA and my credit card I have a limit of XXXX I was fine until XXXX of XXXX then from XX/XX/XXXX to XXXX of XXXX they are charging Late fees high interest charges on my credit card which they created they have racked up XXXX on my account and trying to get me to pay for there charges and telling me I have to pay them more money. I bring in about XXXX XXXX to pay my bills with I had everything caught up and made a allotment with my bank to send them 50. a month. I have talked numerous times to them taken the questions to make payment adjustments as I can not pay any more then 50.00 and they say that I do not qualify for any of there programs to take care of the mater instead Im getting Harrasing phone calls daily and threating letters say they are going to ruin my credit and taking my credit card and reporting me to credit bureau for delinqent for charges I never ran up. I told them that if they were not going to help me and remove the charges and late fees interest fees they will only get the 50.00 and I will not pay them any more money then the 50.00. I will not pay there late fees and their interest changes I can not afford to pay any more then what I do and they continue to add charges that I didnt occur. that is wrong why should be stuck with there greed?
Product: Credit reporting or other personal consumer reports

The account below is reporting several inaccuracies that need some immediate attention. Late payments for XX/XX/XXXX, XX/XX/XXXX, and 60 days late XX/XX/XXXX, that is unacceptable. Billing statement is unfairly reported in fact, is a billing error. 


Account name SEVENTH AVENUE Account type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status updated XX/XX/XXXX Balance {$450.00} Balance updated XX/XX/XXXX Recent payment {$35.00} as of XX/XX/XXXX Monthly Payment {$35.00} Credit limit {$720.00} Highest balance {$800.00} Terms Relevant USC Codes ( FCRA Provisions ) 15 USC 1681e ( b ) Accuracy of Reports Violation : Credit bureaus are required to follow reasonable procedures to ensure maximum accuracy. Reporting 30- and 60-day late payments inaccurately violates this provision. 
Demand : These late payments must be corrected or removed immediately as they can not be verified as accurate. 
15 USC 1681i ( a ) ( 1 ) ( A ) Reinvestigation of Disputed Information Violation : Failure to properly reinvestigate disputes about late payments within 30 days is a direct breach of this provision. 
Demand : If the 30- and 60-day late payments can not be verified, they must be deleted from your credit report. 
15 USC 1681c ( a ) ( 5 ) Obsolete Information Violation : Reporting of outdated or obsolete late payments is prohibited. If these late payments are beyond the permissible reporting period ( seven years ), their presence on your report is unlawful. 
15 USC 1681s-2 ( a ) ( 1 ) ( B ) Responsibility of Furnishers of Information Violation : Furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. Continuing to report disputed late payments violates this provision. 
Demand : The data furnisher must cease reporting the inaccurate late payments or risk penalties under this section. 
15 USC 1681n and 1681o Civil Liability for Willful and Negligent Noncompliance Violation : Willful or negligent failure to comply with the FCRA, including reporting inaccurate late payments, exposes credit bureaus and furnishers to civil liability, including statutory and punitive damages. 

UCC 1-304 Obligation of Good Faith Violation : Data furnishers and credit bureaus are expected to act in good faith when reporting credit information. Reporting inaccurate late payments breaches this obligation of good faith. 
Demand : The inaccurate 30- and 60-day late payments must be corrected immediately to maintain good faith in all commercial transactions. 
UCC 2-615 Excuse by Failure of Presupposed Conditions Violation : Late payments should not be reported if there is a valid excuse, such as disputes, agreements, or fraud. Continuing to report these payments without basis breaches the presupposed conditions of the contract.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed that Capital One is listed on it. However, I never applied for a Capital One credit card. This is a clear case of fraudulent activity.
Product: Credit card

I have been banking with Bank of America , N.A . since XXXX and have had not issues or matters of concern here. My credit account has been never late and without any issues or concerns. I only have one line of credit open with Bank of America, N.A and with no one else. 

On XX/XX/XXXX, Bank of America , N.A . sent me this notice out of the blue saying they are closing my account with no specific reason indicated. ( See attached email notification, I am submitting this complaint to validate this complaint. ) I now want Bank of America , N.A . to directly contract their source of bearing of information and produce such evidence to the Consumer Financial Protection Bureau in their answer and response to me on this forum or panel. No Exception here. I want to know the source name, address, and legal counsel information to support their actions or reason to close a perfect account. 

I don't want to hear due to inactivity when this account has been used in the past 12 months and has an award balance on my account. I want to know what credit bureau reporting agencies reported saying that I am not ethical and I am not paying my obligations or debt. Since, it appears as if your representative informed me over the phone that such credit bureau agencies may have reported something to you when they see that I don't owe Bank of America , N.A . anything.

I want to see the proof coming from such agencies that you believe in to show that I owe someone anything. 

This will most likely cut my tides with Bank of America , N.A . and I can take my business to someone else where I can get the professional service and respect that I should have been getting. 

I want to see proof/paperwork submitted to the Consumer Financial Protection Bureau to validate your reason for doing what you have done.

I want my points award check for around {$500.00} that should be on my account. You owe me and you closing out my account without any notice as if I am not paying my financial obligations when you are the only financial institution that I have an open line of credit with.
Product: Debt collection

Springleaf formerly AGF continues to report a debt on my credit report " Settled less than full ''. This debt is not mine. It may be a credit line opened by my wife. I believe she settled it in 2011. I did not co-sign or have any knowledge of the transaction. Springleaf reported it on my credit in an attempt to bully me into paying my wife 's debt. After it was settled by my wife they continued to report it on my credit. Over the last XXXX years I have paid all of my creditors and other than my mortgage I am debt free. My credit would be excellent except that this company keeps putting my wife 's debt on my credit report. I have spoken with them many times and they are unable to come up with any evidence that the debt is mine but they continue to report it. I have disputed it with XXXX and they come back " verified '' but wo n't cant produce any supporting documents or tell me how it was verified. My complaint is against Springleaf for deliberating putting incorrect information on my credit report and against XXXX for not properly investigating.
Product: Debt collection

I recently came across an account reported by a collections agent XXXX XXXX account number unknown reporting an inaccurate balance for the end of a lease contract. The creditor has added inaccurate charges and states that I have an account balance. This companies practices to withhold deposits anc claim fraudulent balances after the end of the rental contract. 
I am unaware of any damages to the property after the walk through at the end of the lease and I do not owe any outstanding debts. 
I do not agree with the balance reported as owed and I am fighting these fraudulently added charges that are reporting on my 3 bureau reports and I ask for the assistance of the CFPB with accessing documents from this company to include all the disclosure and complete accounting record of alleged debt ; agreement with your client that grants you the authority to collect on this alleged debt ; any insurance claims that has been made by anyb creditor rgarding this account ; date that this alleged debt became payable ; this. I ask that the company provide proof of non payment and images of the damages pertaining to the leased unit. Please be warned XXXX XXXX that failure to provide proof of your claim required to enable me to continue and to complete this dispute my next step will be to file this complaint in my county courts for : 1. defarmation 2. negligent enablement of Identity Fraud 3.  Violation of the Fair Debt Collections Practices Act Iincluding but not limited to section 807-8 4. Violation of the Fair Credit Reporting Act including but limited to section 623-b
Product: Credit reporting or other personal consumer reports

Portfolio Recovery Associates is not working with me to validate or verify the debt they have placed on my credit reports. I have reached out to them via mail on several occasions to which they only validate the debt by sending a letter saying its mine. They have not provided any supporting documentation to prove their claims against me. 
I have also made them aware that I am the victim of identity fraud and included supporting documentation by providing them with the actual police report and the person responsible for the fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/2021, I mailed Equifax, XXXXn and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit card or prepaid card

I opened the American Express Delta Skymiles in XX/XX/2022 for the bonus rewards they were offering to me as I was trying to book a plane ticket. Not only were there bonus miles but also a statement credit. There Terms and condition state " Welcome offer ( s ) may not be available to applicants who have or have had this Card or previous versions of this Card. American Express may also consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your offer eligibility. If an offer is not available to you, we will notify you prior to processing your application so you have the option to withdraw your application ''. I did previously have an American Express card which had been closed for a while but I never received " notification prior to proceeding that the offer was not available to me. '' I would not have proceeded as the card has an annual fee. To me, by opening the account, they had concluded I was eligible. I called and they basically said the reason I did not get the rewards was because I was ineligible which provides nothing. Due to other circumstances, I had been one day late on payment where they charged me a late fee, interest for the entire month and then continuously as they removed the general grace period on normal charges without any notice which was so ridiculous I decided to just cancel the card. The retention person then somehow got more information as to why I was not given the rewards which was apparently due to me having an American Express rewards card that was NOT a Delta card. Per their terms and conditions, if that was the case, they should have informed me before opening the account. They really played the bait and switch and barely could communicate why I was not eligible, go above and beyond to whack you with every fee under the sun and charge you as much interest as possible. I didn't even need or want the card but due to the rewards thought it could be beneficial. Due to American Express shady business practices I got no rewards and charged about $ XXXX in fees and interest.
Product: Credit card or prepaid card

XX/XX/2021. A purchase of {$49.00} by merchant vod info was made on my card. I did not make that purchase ... I called the merchant phone number in the description and the phone number has been disconnected. I called XXXX XXXX payroll card customer service and they tell me it will take 45-90 days to process a dispute. It should not take 45-90 days to resolve a dispute!!
Product: Checking or savings account

I received a wire transfer from overseas from someone that I offered a service. That person transfer wired me money, I made the shipment of the goods they needed and after that they went to their bank and asked for their bank to retrieve that bank wire. Bank of America put my account on hold for 2 weeks, and now they decided to close it, but they never said that they would give me my money back.
Product: Credit reporting or other personal consumer reports

XXXX Account # XXXX and XXXX collection ( anytime Fitness ) Account # XXXX has violated my rights. IN accordance with FCRA 15USC 1681c-2- Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later that 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the consumer ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer and ( 4 ) a statement by the consumer by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ended up having having 2 soft enquiries, at least that is what I wanted. Just to see if I pre qualified for credit cards. But the two companies ended up doing hard enquiries on XX/XX/2022. One of the companies is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The other company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I request that these hard inquiries be removed off my credit report As soon as possible.
Product: Student loan

I was n't aware that I could lower my monthly payments and each time I called navient they kept putting me under a forbearance. I have gained a substantial amount of interest now!!
Product: Checking or savings account

On XX/XX/year> I was scammed by a man through XXXX in the amount of {$2900.00}. This man deceived me by pretending to be a licensed general contractor and an employee of a construction company. I found out both were lies to get money from me. I had him investigated by the Mississippi XXXX XXXX XXXX and their investigation concluded that the man in fact defrauded me. I was able to track the scammer down and sue him. I won in court. I submitted the XXXX investigation report and the court abstract to USAA to prove fraud and USAA has denied to return my money and after repeated times of asking USAA how would they like for me to prove fraud, they refuse to answer how they want me to prove fraud and they have a disregard for the XXXX and the court system. I am a XXXX Veteran and it is a shame to be treated this way. I have contacted three news stations here in XXXX to hear my story.
Product: Debt collection

Letter received from XXXX XXXX on XX/XX/2019 for collection of debt of {$71.00}. 
Contacted paypal on XX/XX/2019 Paypal confirmed that the account is not in my name or associated with my email address. 
Contacted XXXX XXXX  on XX/XX/2019 and informed them that the account was not generated by myself.
Product: Debt collection

I have never heard of this company and I have no idea what this debt is. I have tried to call them and they could not give me any information. They had my information but refused to give me anymore information.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 requested information on the inquiry that i didnt make. i heard nothing from the company. my credit is under XXXX  investigation.
Product: Credit card or prepaid card

An unauthorized person used my identity/information to try to obtain a credit card from Avant. I immediately saw the erroneous attempt and called Avant to request that they decline the credit card application on the basis of fraud. After being told to email " XXXX '' several times, I told the customer service rep that this simply wasn't good enough for someone to contact me in 5-7 business days and I wanted to be sure that the credit card application was declined or flagged as fraud. They allegedly flagged the application but I couldn't talk to the Fraud Dept or anyone else to get resolution beyond a customer service rep. I immediately emailed " XXXX '' with the information. I wasn't contacted so my husband filed a XXXX  Complaint ( since the criminal used his email address as part of the credit card application ). Only then did Avant reach out to me. They sent me a form to complete and send back, which contained all of my personal information like SSN, DOB, Driver 's License, proof of residency, but have not provided a secure email or file transfer option. I don't feel comfortable sending this into a general/unsecured email box or via fax or mail. They have not responded with a secure email option. Avant seems to be ripe for fraud since they don't do a " hard pull '' on financials of those applying and obviously, have an inept fraud department who is completely unresponsive unless you file a XXXX Report to deal with these targeted fraud issues!! I saw the fraud happening in real time and Avant was completely unprepared to handle the issue ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for a MoneyLion account around XXXX/XXXX/19, and was issued a {$500.00} short term loan and was to pay the membership fee of {$19.00} a month while my loan was in repayment. The agreement stated that I was to make 2 payments per month on the XXXX and the XXXX, and I made my first payment on XXXX/XXXX/19, then when the second payment was due on XXXX/XXXX/19, I paid the remaining balance. Immediately after paying the balance, I reached out to Money Lion Support multiple times to close my account and request a refund of my reserves and was never able to reach any representatives. None of the phone numbers listed worked and they would connect me to the XXXX and the person on the other end of the line was never able to help me. I finally received an email back that my account had been closed as requested on XXXX/XXXX/19. On XXXX/XXXX/19, I received an email stating that this account was now added to my credit report even though I was assured this would have zero effect on my credit. Since this account is considered " new '' for 2 years, the impacts to my score were negative even though this product claims to be a " credit builder ''. Aside from the " new '' status of this " credit builder plus loan '', I am now stuck with this on my credit report and it reports as negative information because it is a " consumer finance account '' which I was not aware of and still can not find any information warning customers of this dangerous product that claims to help.