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

Thats why nobody should have an account with BOA. Bank of america states they will close an account at any time and doesn't have to give a reason to why. I find it hard to believe why there banking policies and rules are a bit weird. I feel that if your going to close an customers account then there has to be some sort of a reason to why you decide to be done with the customer for life. None of staff don't seem to realize that if more complaints and issues keep happening then this bank will never get better and will lose more customers. its not about there wants, its about what the customer wants. And the overdraft fees are ridiculous that's mostly the reason why they deemed me as risk and close my account, because I'm not funding my account to keep it out of the negative because of the fees that keeps accumulated after bringing the account positive. There was no money in the account and the account was just sitting. My account was closed out, I was told in XXXX of XXXX but they told me XXXX, and then XXXX, nobody is really helpful or honest and once they close your account just beware and good luck fighting to getting your money back, if you find any suspicious with using your card or account but later find out your account is closed and not knowing, for no reason, and your money still sits there, Just better hope there honest about sending a check to you. Youll need the money right away but won't have access to it immediately or anything. They will leave you screwed with nothing else to have left and once the damage is done. Theres nothing you can do and it's all they say they can do. They don't give you a chance, they don't care about what concerns there customers and won't help you. They better realize that dealing with a banking industry is serious business especially when it comes to there clients money. Every single person is all about there money and understand what hard work is. At the very end of the day. I work hard for living especially being on fixed income.This business is running into more trouble if they don't change and they don't care but it's happening. It's bad business in the worst way.
Product: Debt collection

this company serv ome court documents with out my knowledge, at th location wre i was not longer working. i have moved out the estate do to a family law case, in ordr to save myself and kids, iw as evicted from my house and they went and garnished my wages
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on ( XX/XX/2023 ) to remove the inacurate items that is UNKNOWN to me to bureaus. I came across the law today and according to the Per FCRA you are required to update any accounts or information not later than 4 business days after the ( XX/XX/2023 ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I purchased my home financed through Centennial Bank in Arkansas XX/XX/XXXX. Shortly afterwards my business declined. I lost my biggest contract for my business due to gas price surge and shift in economy due to the XXXX pandemic as a result i fell behind on my mortgage payments. I was advised by the bank that I didnt have any options for payment help due to not making the required number of mortgage payments. In XX/XX/XXXX I was served notice of foreclosure and notified that my property was to be sold on XX/XX/XXXX. I paid the amount of XXXX to cure the default and to avoid the sale. I was advised that the foreclosure would still remain open. I fell behind again and without notice of new sale date lender sold my property on XX/XX/XXXX. I received a letter after the sale on XX/XX/XXXX stating the property was sold. I contacted the lender and was advise that they did not have to notify due to the foreclosure was never dismissed. Why was I not notified of the second sale date after curing the first default amount? How can a lender sale my property without the proper notice and taking over XXXX from me? Now we have 5 days to get out and no help to resolve this matter. We are about to be homeless and on the streets. Im begging the CFPB to please help!
Product: Credit card or prepaid card

I made a hotel reservation located in XXXX, MA ( online ) with XXXX, the Website was very confusing because of many flashing and pop-in advertisement, I used my Chase Visa Card ( account ending in XXXX ), my medical appointment was cancelled ; therefore I called the XXXX and the Hotel itself 72 hours in advance, they did not accept my request. XXXX charged this amount to my card. 
The point is that the Hotel did not give me the Number of a Room RESERVED for me, it also means that they gave the room which could have been given to me to someone else ; this way the Hotel charged for a Room twice, which is a FRAUD. 
Chase Visa initially issued a credit, but then later sided with XXXX, I provide all the documentation to Chase Visa but to no avail. Chase Visa has reported this to 4 credit reporting companies, of course this will affect my Credit Rating. 
XXXX has been doing for quite sometime by mixing refundable & nonrefundable transactions together, it is fraudulent & unethical because NO ROOM was kept VACANT for me.
Product: Mortgage

My complaint is in conjunction with a complaint filed XXXX XXXX, XXXX ( Acct # XXXX. That complaint was against the servicer XXXX XXXX XXXX XXXX ( XXXX ). After providing supportive evidence of my complaint to XXXX ombudsman office, XXXX XXXX and their attorney it has become evident they intend to do nothing about the mistakes in accounting on my loan. Prior to XXXX being the servicer JP Morgan Chase under the brand name of EMC Mortgage Corporation was the servicer and prior to Chase it was EMC. My complaint involves errors in accounting at the time when JP Morgan Chase purchased XXXX XXXX which was owner of my account. More specifically in XX/XX/XXXX. As a result of these errors which include a notice of foreclosure based on information that I was behind in my mortgage payments. After presenting evidence to XXXX from my bank statements and from the payment history supplied by Chase it became evident that gross errors were made. As a result of these errors I signed a repayment contract and later on asked for and received a modification which allowed the money allegedly owed on the foreclosure to be added to my principle. This was all done by EMC/Chase who was acting as servicer. As a result of these circuitous dealings XXXX has been charging interest on an erroneous principle. 
Since SPS is doing nothing to correct this situation I am filing a complaint against JP Morgan Chase where the problem originated. However, XXXX has perpetuated in issue. I am now in foreclosure. I have a seller for the property. I need the amount owed to reflect correct accounting. Aside from the mistakes mentioned above there was also under reporting of mortgage interest.
Product: Debt collection

Jefferson Capital SYST : continually requests me to pay different amounts and tries negotiating collecting different amounts.
Product: Debt collection

I sent this letter to Comenity today and also transmitted it to them electronically. The date of the original purchase was XX/XX/2019 in the amount of {$59.00}. I sent a settlement payment, to be delivered on XX/XX/2019, in the amount of {$63.00} which is the original purchase amount, $ XXXX {$4.00} of interest. 


XX/XX/2019 Customer Service Comenity Capital Bank dba COMENITY-XXXX XXXX + XXXX  XXXX XXXX XXXX XXXX, OH XXXX Dear Customer Service : I am writing you today concerning my account and requesting that you close this charge card. I have had several conversations with your collections people, the first of which I thought was someone just trying to scam me into making a payment. I did not remember applying for your card and suspected that it was just another clever scam to get me to give financial information to the caller, who was requesting a credit card payment. I told the caller that I would research the charge and if valid I would remit payment. I unsuccessfully searched for statements and for the credit card that your representative said was mailed to me. 

I went to the XXXX, where I shop, and they advised me that they could have opened the card at the register on a purchased to apply discounts. They asked for my account number, which I did not know. I kept receiving calls, exceptionally rude and less than professional, concerning the charges and again explained that I had not validated the charge or account they were referring to. I went to the Comenity website and did not see a listing for XXXX under store cards. I thought that it was strange that if I made a charge in XXXX, why you would wait until XXXX to call and inquire about this alleged charge. I then read the intention for credit establishment and started to understand the frequency and nature of your business model. This is not the type of credit that I need, and it appears to be predatory to those who do. 

Nevertheless, I continued to search my records and found the receipt from the purchase that I made in XXXX. It did mention that it was placed on a card account, but I still did not know the account number. I searched my pile of mail to be shredded and found the credit card and the statements. I submitted a payment of {$59.00} plus {$4.00} in interest charges which my bank should send to you on XX/XX/2019. 

I am requesting that you remove any negative credit reports that you may have placed on credit record. I am also requesting that you remove late fees, which in three months have doubled the original purchase amount, from my account. I am also requesting that that my account be closed immediately. You are not authorized to charge any of my financial accounts electronically, or any other manner, without my express written consent. 

I would like for you to correspond with only written communications, on this and any other matter, from this point forward to the address provided above. Send your response to these requests and an acknowledgement of receipt of payment from my bank. 


Sincerely, CC : XXXX Customer Service XXXX  Ohio Consumer Financial Protection Bureau File
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but TransUnion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy, and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 



Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$4400.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$970.00}, XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$730.00} 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I XXXX XXXX settled on a debt with Portfolio Recovery Associates, even though there was a clouded issue of true ownership.  At the same time Portfolio Recovery Associates stated that it purchase a debt from XXXX XXXX XXXX., so did The Bureaus state that they were collecting on behalf of another debt buyer known as XXXX XXXX XXXX XXXX.  I have already submitted my CFPB complaint pertaining to that issue.  Now Portfolio Recovery Associates has a standing policy to delete all collections that have been settled.  For that reason I decided to settle with Portfolio Recovery Associates.  PRA is still posting this paid collection and mailing to me collection letters.  This must cease immediately and the account must be deleted on each credit reporting agency permanently.
Product: Debt collection

XX/XX/2019 Current Balance : {$950.00} Debt was placed on my credit report and now its damaged my credit bad I dont have emails from them but I keep receiving mails at my residence and feel threatened
Product: Credit card or prepaid card

I booked a flight from Florida to XXXX XXXX onXX/XX/XXXX I booked the flight as XXXX class because seats and luggage were included and paid extra. Chase booked me as XXXX XXXX so I had to purchase seats and luggage on my credit card. They sent me a letter saying it was their mistake onXX/XX/XXXX. I filed a dispute with Chase Travel right away. It has been almost 2 months and literally 15 hours on the phone including 5 hours in the office of my local branch manager and have still not resolved anything.
Product: Checking or savings account

I have attempted to make a cash deposit of {$2000.00} at XXXX of the ATM machines at Capital One location at XXXX XXXX XXXX XXXX, XXXX, WA XXXX on XX/XX/XXXX. 
However, the ATM malfunctioned and the machine just shut down ( The ATM machine on the right facing forward ) I talked to the representative on site and she helped me call the customer service. 
They told me that they would take a look at this. I was very much worried that this would not be taken seriously and the money not being retrieved. I constantly asked them that I be called when the technician was there to open up the machine but they assured me that my money will be retrieved. They should also have all the recordings at the ATM machine. 

I received an email just moments ago, XX/XX/XXXX that there was no deposit. I have called right away to have them re-open the ticket and re-investigate this further but to no avail. 
Please help me. 

Account # XXXX Case # XXXX Claim # XXXX
Product: Debt collection

I am writing this letter to you that I agree to pay any financial obligation which I might lawfully owe, ON THE CONDITION that you provide : Validation of the debt that is the actual accounting.

Verification of their claim against you : that is, a signed Invoice.

A copy of the contract binding between your company and me in a letter by certified mail.

Full disclosure because I was not told that I was creating the credit with my wet ink signature.

Equal consideration because you as the creditor brought nothing of value to the table.

Lawful Terms and Conditions.

Wet ink signatures between you and me.15 USC 1692a- 5 ( 5 ) The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services that are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment.

Reporting information you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$610.00}, XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX  : {$2000.00}, XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX  : {$2000.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX # XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for any inquires reported on my credit report nor did i authorize any of these accounts which added inquiries to my credit report. The following accounts stated, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022. I do not have a contract with any of the above named companies and they did not provide the contract as I requested because they do not have one yet the credit bureaus has not removed these inquiries from my credit file.
Product: Credit reporting or other personal consumer reports

Experian is defying the laws of the Fair Credit Reporting Act. Experian has reinserted an account that was previously deleted, but has failed to obtain a Certification of Accuracy of Information from XXXX XXXX XXXX XXXX. The Fair Credit Reporting Act 611 - 15 U.S.C. 1681i ( 5 ) ( B ) states information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information provides a Certification of Accuracy of Information. I have requested Experian to provide mail me the Certification of Accuracy of Information that was obtained from XXXX XXXX XXXX XXXX to reinsert that account information, but Experian has failed to do so. I requested Experian to delete the account if Experian is unable to provide me with the Certification of Accuracy of Information and follow the Fair Credit Reporting Act 611 - 15 U.S.C. 1681i ( 5 ) ( C ) to prevent the reappearance of this account, but Experian has failed to do so. These requests can be found in the letter attached to this complaint that was mailed to Experian along with supporting documents. Experian updated the account further reassuring that Experian did not obtain a Certification of Accuracy of Information from XXXX XXXX XXXX XXXX to reinsert that account onto my credit report. CFPB, please hold Experian accountable for breaking the laws of the Fair Credit Reporting Act. I will be filing a lawsuit against Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon searching for a lender that would approve me for a high debt to income ratio jumbo loan, I was referred to Loan Leaders of America , Inc. They advised me to complete the application to determine the loan amount for which they could qualify me. I explicitly withheld my social security number because I didnt want them to run credit and honestly disclosed that my score was in the excellent range. However, they got my social security number from other supporting documentation I gave them strictly for underwriting purposes, eg W2, and ran a credit report without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I applied for a apartment and the leasing office told me i had a debt from an apartment.Which i never even had an apartment before .Therfor that was untrue.I checked my credit report an dsee the national credit system said i owed {$2200.00} to XXXX XXXX XXXX. i never stayed there before.Someone stole my idendity and had got an apartment in my name. This needs to be removed from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been a victim of identity theft ... all documentation has been submitted to all 3 bureaus, Equifax, XXXX, and XXXX. Strangely enough 2 out of 3 of the Credit bureaus have followed the law exactly as stated as it pertains to the consumer, but Equifax seems to follow it's own rules and has been the MOST DIFFICULT to deal with, I have several inquiries that I have stated in my AFFIDAVITS and recent disputes that I DID NOT AUTHORIZE but and EQUIFAX continues to report and they are hurting my SCORE! the 3 inquiries are XXXX XXXX, XXXX  AND XXXX XXXX ... ..I also have an XXXX XXXX showing on my report that I have never done business with but EQUIFAX claimed to have verified but yet the other 2 major credit reporting agencies found them to be FRAUDULENT and removed them!! and they are also reporting my current VEHICLE late with XXXX on 2 consecutive months XXXX and XXXX and this is absolutely NOT FACT!!! the other 2 credit reporting agencies do not report this! EQUIFAX are nothing but CROOKS that kill the average CONSUMER and something has to be done to put this XXXX to a STOP!