23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Accounts # LVNV FUNDING LLC, XXXX XXXX, Has violated my rights. 
15 USC1681 Section 602 States I have the right to privacy.

15 USC 1666B : A Creditor may not treat any payment on a credit card account under any open end consumer credit plan as late for any purpose.
Product: Prepaid card

Purchased XXXX XXXX in XXXX XXXX, TX for {$250.00}, as a present to my employee, when the person was going to use it it never worked, he was unable to use the even {$1.00} from this card. He opened a case online, then he returned the card to me. I'm talking to them since XX/XX/XXXX, still can't get my money back and its XX/XX/XXXX already. They don't have any support people on the phone number provided on the back of the card.
Product: Debt collection

I paid off an old XXXX account that was closed. They started billing me an amount XXXX for something I have no reason to owe! I have tried numerous and numerous of times to have it removed, but it will not be removed from my credit report. I have tried to reach out to XXXX XXXX XXXX AND NO ONE WILL EVER REACHED BACK OUT TO ME. Please someone if they would help me with this problem.
Product: Debt collection

I do not know what this collect is. However Portfolio Recovery calls my phone Day and night Monday-Friday. Some of the calls have came through before XXXX and after XXXX. All throughout my work day I receive calls from this company and it is very disturbing and I feel harassed. Calls are coming from several different numbers but all say Porfolio recovery
Product: Checking or savings account

On XX/XX/XXXX at XXXX am we attempted to deposit {$260.00} into my Wells Fargo checking account to pay our phone bill. XXXX sums of money were taken & attempted to deposit one more single {$50.00} bill. This {$50.00} bill jammed in the atm machine. We spent all morning trying to contact them to report a claim, I was told I would hear back within XX/XX/XXXX hours. Nobody called. The atm has credited XXXX cent & said it would have the deposit in XXXX days. On XX/XX/XXXX our card was then after found making attempts at fraudulent purchases XXXX counties away, claiming it was inserted. We again contacted Wells Fargo to submit claim & have our card replaced. We are now on the XXXX of XXXX with no activity to stop the fraud purchase from going through but it posted on Wells Fargo instead & they have yet to credit our account. We are now also over drafted with no way to deposit again to keep from receiving the fee while they have still yet to credit my deposit. I am out almost {$300.00} now because of this series of incidents & my phone has been shut off due to non payment because my deposit has yet to go through a solid week later. Nobody from the bank has followed up with us or emailed our message center online they claimed they would contact with. Wells Fargo has taken & stolen our money at XXXX & done nothing to progress or update this investigation!
Product: Credit reporting or other personal consumer reports

I have filed a complaint many times regarding the negative accounts on my credit report. I want these negative accounts removed and the responsible parties held accountable. I want them to be fined due to the impact of inaccurate reporting on my credit report. If nothing happens with this complaint, I will file a lawsuit against them
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint to you today to inform you that I was the victim of identity theft. I studied on how to DELETE the fraudulent inquiries from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to REMOVE these inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of inquiries which do not belong to me or were opened without my permission : 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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Account has been removed and has been reinserte d. CBNA  is not a company bonded in the state of Texas to collect this debt.
Product: Mortgage

The respondent was the broker for my mortgage to purchase my property. The transaction closed on XXXX/XXXX/2014. Prior to closing on any property, I had been given lock-in of the mortgage interest rate that lasted anywhere from XXXX days, which was done prior to closing. My mortgage broker/loan officer, XXXX XXXX, an employee of the respondent, left the loan float without offering the option to lock. In fact, the lock-in documents I have were executed at the closing table and were for a XXXX day period. Therefore, he left the loan to have a floating interest rate. This caused my interest rate to increase from the quoted 4.25 % to 4.5 % and was reflected on the HUD documents. This increase caused me to incur {$13000.00} in extra interest costs if the loan is carried to term. I was angry but remained silent. Six to nine months later, XXXX XXXX contacted me to refinance at 3.8 %. I explained that I was upset about the previous loan and that if he was contacting me I would help him out to earn a XXXX commission if several conditions were met : 1 ) Absolutely XXXX closing costs or refunding of the escrow 2 ) No increase in the loan amount, and 3 ) the interest rate quoted was locked in. When XXXX XXXX ran the loan and failed to meet these pre-defined parameters, he became aggressive. I demanded and spoke with the CEO XXXX XXXX who told me he could not make the loan because they would not make any money with those parameters. I explained in detail what happened with the original mortgage and the failure to lock in the rate. Because the position of loan officer, is a variable compensation position, there is an inherent conflict of interest between any loan officer 's personal priorities and that of the borrower. Because of XXXX XXXX 's flaunting of an expensive personal taste ( golf outings, high end automobiles, and vacations ), I felt that his interests were conflicted. As such the terms provided were best for Greentree Mortgage and not the customer. 

Since this time, I spoke with other mortgage lenders and explained this situation. The mortgage lenders were with XXXX XXXX, XXXX and XXXX XXXX. Both, independent of the other, stated that the practices outlined above are highly unusual. Both lenders encouraged me to file this complaint and educated me on the CFPB. 

I have received calls from XXXX XXXX claiming that I was causing him to lose his job and making him look bad to his boss. He stated " I hope you never see me in XXXX. '' The tone of his comments could have been understood/misunderstood to be in a threatening tone of voice. In response to my demands for a refund and a confidentiality agreement ( which would render me silent ), he threatened to call the XXXX XXXX Police Department and file charges against me for extortion. I explained to XXXX XXXX the definition of " disgorgement of ill-gotten gains '' and how my demand for a refund is not extortion. Details of this call were able to be recorded because New Jersey is a one-party consent state when it comes to recording telephone conversations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, mailed TransUnion a notice disputing the inaccurate public record which they are furnishing for a fee to other persons on XXXX. TransUnion received the notice on XXXX. TransUnion mailed me a response dated XXXX with a file number of XXXX informing me that they refuse to investigate my dispute. TransUnion 's response to my dispute was that the " XXXX XXXX XXXX XXXX Michigan is the data furnisher who verified the information to them ''. However, I contacted the XXXX XXXX Michigan and they replied to me that they DID NOT verify or furnish such information to TransUnion. 
After receiving TransUnion 's reply I mailed them a demand for reinvestigation, along with the documentation I received from the Court on XXXX via XXXX XXXX mail with return receipt. I demand that TransUnion disclose to me a description of the procedure they used to determine the accuracy of the information. I demand disclosure of all the information in my consumer file, the sources of the information of the public record, and a summary of my rights to obtain and dispute information. If TransUnion can not disclose such information to me, within 30 days of receipt of this notice, I demand that TransUnion delete the inaccurate public record from my consumer file.
Product: Checking or savings account

COMPLAINT TO CONSUMER FINANCIAL PROTECTION BUREAU : BANK OF AMERICA PRODUCT OR SERVICE Checking and savings accounts KEY FACTS I am a XXXX customer of Bank of America who has been attempting to close my checking and savings accounts for one week. This situation presents an urgent financial safety risk as my documented abuser ( my mother ) maintains full access to these accounts. My repeated reasonable attempts to close these accounts have been systematically obstructed by Bank of America 's failure to provide legally required account services. 

DETAILED DESCRIPTION OF THE PROBLEM Bank of America has violated multiple consumer protection standards in their handling of my account closure request : 1. DENIAL OF BASIC ACCOUNT SERVICES : Despite the Electronic Fund Transfer Act and CFPB guidelines establishing consumers ' right to control their financial accounts, Bank of America has effectively denied me the fundamental right to close my own accounts. 

XXXX. PATTERN OF SYSTEMATIC SERVICE OBSTRUCTION : - PHONE SUPPORT : I have called Bank of America customer service daily for the past week, spending 20+ hours attempting to reach a representative. Despite using recommended prompts ( " agent, '' " representative '' ) up to 15 times per call, I have been unable to speak with any human representative.

- BRANCH VISITS : I have visited two separate Bank of America branches where I was told no bankers would be available for " two more weeks '' without offering alternatives or accommodations.

- NO DIGITAL OPTION : Unlike industry peers who provide secure online account closure options, Bank of America forces vulnerable customers into these non-functional service channels.

3. FINANCIAL ABUSE ENABLEMENT : By refusing to process my account closure request, Bank of America is directly enabling continued financial abuse by allowing my mother to maintain unauthorized access to my financial information and assets.

CONSUMER HARM AND REGULATORY CONCERNS This case raises serious concerns about : 1. UNFAIR AND DECEPTIVE PRACTICES : Bank of America advertises customer service but has made it practically impossible to access critical account services, potentially violating UDAAP standards.

2. VULNERABLE CONSUMER PROTECTION FAILURES : As a young adult attempting to establish financial independence from an abuser, Bank of America 's obstruction creates tangible harm and safety risks.

3. ACCESSIBILITY VIOLATIONS : The systemic unavailability of both digital and in-person services creates de facto discrimination against vulnerable customers in urgent situations.

4. SECURITY AND PRIVACY VIOLATIONS : My financial information remains exposed to an unauthorized party despite my explicit requests to terminate this access.

PREVIOUS CONTACT WITH THE COMPANY I have exhausted all available customer service channels : - Multiple daily phone calls over a one-week period, totaling 20+ hours of attempt time - In-person visits to two different branch locations - No reasonable alternative solutions were offered at any point
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX the XXXX XXXX APTS Original creditor for {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX for {$30.00} told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX FOR {$30.00}, Account name : XXXX THE XXXX XXXX XXXX XXXX {$1000.00}. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to XXXX XXXX XXXX ( XXXX ), they are supposed to modify accounts that aren't reporting correctly. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I paid off two loans with First Metropolitan Financial at XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX they were paid off in XXXX of 2020. I have been trying to get both title to the cars. They are refusing to give them to me. They are telling me I put these cars up for collateral on a Furniture loan. They illegally put this on my contract. I ask them to show it to me and they can not provide any written document that I put them up. I have been trying get my Titles since last year. I call and they want talk to me. I sent over letters they return them. I ask them to provide me with all of my payment because the numbers was off for pay off. they refused to give me any payment records. I asked them how can I use something for collateral and didn't owe the cars at that time. i was still paying on they. now that I have paid them off. They holding my title .... trying to take me to court on a another loan. That has nothing to do with these loans XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TN XXXX SS # XXXX Account # XXXX
Product: Mortgage

I 've filed several complaints about my process working with Indymac/OneWest bank in attempts to modify my loan beginning XX/XX/XXXX. Indymac/OneWest finally offered a loan modification XXXX. After 3-months trial payments, I reviewed their contract and realized it would leave me with a mortgage of over {$900000.00} which my late husband left me with, so I chose to move on. The house was scheduled for auction on XX/XX/XXXX and I had friends interested in buying. My attorney called the Trustee Corporation phone number but a minimum bid amount was never available. On the day of the auction the auctioneer delayed in 15 minute increments so no minimum bid was ever announced, and there was no auction. After about an hour, my attorney called me to say the house was bank owned - XXXX is on record as bank owner, so by not announcing a minimum bid, it feels like this was a back door deal between the banks. Two days later, a Realtor - with XXXX XXXX XXXX, XXXX County - and her husband were on the property taking photographs. I was given 30 days to vacate which would have been XX/XX/XXXX, but I vacated on XX/XX/XXXX. 
I 'm filing this complaint because it 's been a horrible process to be left a widow with a XXXX dollar mortgage because the banks threw money at my late husband who was gambling on our equity. It 's been horrible to have been left with a mortgage over the {$720000.00} maximum amount the Obama administration deemed worthy for debt forgiveness so people could stay in their homes of many years. And it was heartbreaking to go through the humiliation of a foreclosure that turned out to be a back door agreement between IndyMac/OneWest and XXXX. And after all of that, the Realtor threatened me that the bank would sue me if there was vandalism at the house I vacated. My attorney explained the bank could not sue me after vacating, so I want anyone going through this to learn from my experience.
Product: Debt collection

Dear XXXX XXXXt I am writing to bring to your attention that I have not received a Form 1099-C from your company for the cancelled debt that I owed to you. As per the IRS regulations, creditors are required to report cancelled debt of {$600.00} or more to both the debtor and the IRS by filing Form 1099-C. 

I am aware that you have written off the debt that I owed to your company, which makes me eligible to receive a 1099-C form for the tax year in which the debt was cancelled. However, I have not received any such form from your company, which puts me in a difficult situation with regards to my tax filing obligations. 

I would appreciate it if you could please send me a copy of the 1099-C form for the cancelled debt as soon as possible so that I can properly report it on my tax return. Failure to do so may result in penalties and fines imposed by the IRS. 

Thank you for your attention to this matter, and I look forward to receiving the necessary documentation from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I don't recognize this account on my credit report. Please remove and update all accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$1200.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a chapter XXXX BK Discharge on all 3 Credit Reports and i called to asked them how did they verify the Bankruptcy. I send Certified letter on XX/XX/2018 to all XXXX XXXX XXXX and LexisNexis as well. They all are telling me that they sent a 3rd party person down to the court to verify the Bankruptcy in person with my full social security number. In which that's not true because i have a letter from the Clerk of the United States Bankruptcy Court stating that they don't provide that information to the credit bureaus or any third party report agencies. And i received that letter on XX/XX/2018 from the Bankruptcy Court. So the credit bureaus and LexisNexis verification method on how they verified the Bankruptcy is invalid.
Product: Payday loan, title loan, or personal loan

I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit by FIRST INVESTORS FINANCIAL SERVICES , INC . I was notified of this transgression of my rights, specifically 15 USC 1601 The Truth in Lending Act, by FIRST INVESTORS FINANCIAL SERVICES , INC. on 10/25/2021 via U.S. mail. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by FIRST INVESTORS FINANCIAL SERVICES , INC. adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to { {$5000.00} }. FIRST INVESTORS FINANCIAL SERVICES , INC. is now civilly liable to pay me for the damages. My credit card was charged and I did not benefit from the transaction at all. Registered Agent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN SENDING IN CERTIFIED MAIL CONCERNING IDENTITY THEFT THAT HAPPENED TO ME, CAUSING ME TO DROP TO XXXX XXXX IN MY PAYMENT HISTORY, I SENT MY CREDIT REPORT MULTIPLE TIMES IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NO COMMUNICATION WAS RECEIVED NOR ACTIONS TAKEN AGAINST THESE ACCOUNTS HAVING LATE PAYMENTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

THIS COMPLAINT IS DUE TO MULTIPLE VIOLATIONS AGAINST ME INVOLVING BILLING ERRORS, BECAUSE I WASN'T NOTIFIED WITH ANY STATEMENT REFELCTING THE ALLEGED BILLING ERRORS WITHIN 60 DAYS, ITS BEEN OVER A YEAR WITH NO COMMUNICATION TO MY LETTERS AND NOW I AM IN A EXTREMELY TIGHT FINANCIAL SITUATION AS I CAN NOT ACCESS CREDIT OPPORTUNITIES BECAUSE MY CREDIT REPORT HAS MULPTIPLE VIOLATIONS NOT DONE BY ME AND ITS COSTING ME MONEY. 

MY KNOWLEDGE AS A CONSUMER IS MY CREDIT REPORT IS TO BE 100 % ACCURATE AND IT IS NOT BECAUSE THESE COMPANIES FAILED TO DO THEIR JOB. NOW SEEING THAT THEY ARE BEING SUED SHOWS AND PROVES IM NOT CRAZY.
Product: Debt collection

Capital One is reporting a business credit card account on my credit reports that does not belong to me. This credit card account belongs to the corporation, XXXX XXXX XXXX XXXX, XXXX. Admittedly, I was a minority shareholder for this company, however, I didn't sign for this card. Thus, I am not the responsible party. In XXXX of XXXX, I wrote Capital One a letter explaining that I didn't sign up for this card and in my letter I requested the original contract bearing my signature. In Capital One 's response, ( please see attached ) I didn't receive a copy of the original contract or any other documentation that makes me the responsible party. Finally, on XX/XX/XXXX I called and spoke with a Capital One XXXX, XXXX, ID # XXXX. Basically, XXXX stated that there was no signed contract and that the account was established online using my information. Please keep in mind, in the most recent XXXX data breach, all of my information was accessed.