23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I applied for an American Express Platinum card on XX/XX/2016 that included a new account opening bonus of XXXX membership rewards points after {$3000.00} of spending in the first 3 months. I satisfied these requirements on my account and XXXX points were awarded to my account on XX/XX/2016. On XX/XX/2016 there was an adjustment made to my account and American Express removed the XXXX points from my account. When I called, they said some of my purchases did not qualify. I complained that they should have let me know that within the first 3 months before awarding the points and giving the cardholder the impression that all requirements were met. By the time they made the adjustment to my account, it was over 4 months after the account had been opened and outside the first 3 months for the offer. They refuse to grant any sort of extension. The only option they gave me was to file a complaint with their rewards department which will take 6-8 weeks for a decision. If the outcome is not in my favor, I would want to cancel the card however they only allow 60 days for a full refund of the {$450.00} annual fee. After the 60 days it is prorated, so as I am waiting 6-8 weeks for a decision, I will receive less and less of my annual fee back if I cancel the card. American Express is acting irresponsibly by holding the cardmember at their mercy. They entice you to apply for their card with an attractive offer, use a technicality to void the offer AFTER the bonus period, and then continue to hold onto your money while they review your case. I 'm appalled that they can get away with these practices, especially on a premium credit card with a high annual fee. I would like American Express to reinstate the points that they awarded me or refund me my full annual fee if they do not do so.
Product: Checking or savings account

In XX/XX/2022, Wells Fargo closed all my accounts including checking, savings, and credit card. In addition, WF also made a cash advance in excess of {$10000.00} to cover the overdraft protection of the checking account.

The overdraft was caused by WF accepting a deposit of {$48000.00} and subsequent wire transfers that were made based on WF accepting such a high dollar amount without putting the deposit on hold for any time. The deposit was based on a checking account made from a bogus XXXX XXXX  account made in my name and without my permission by XXXX XXXX XXXX from XXXX. I wrongfully assumed that I was merely added as a user for the phony XXXX XXXX  account. As of this date, Wells Fargo has not taken any responsibility for accepting such a large deposit without first putting it on hold. In addition, WF is contacting me about a settlement of a chargeoff of {$38000.00} which is for the {$48000.00} minus {$10000.00} that WF took from my checking, savings account, and a cash advance from my WF credit card. 

Recently, I have accepted that I am a victim of a financial scam and have filed a report with the XXXX XXXX Police Department on XX/XX/XXXX, and am awaiting to be contacted by the detective in the financial fraud department. 

I also wrote a letter and sent it by USPO to XXXX XXXX, Financial Fraud Manager for WF. Any previous contact with WF has not been satisfactory to this very day.
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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$69.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Mortgage

Our home loan is a balloon, we knew it would need refinanced and worked hard for two years to build a good credit score to prepare for the refinance, when it came time to refinance we had a great score but was shocked to learn that we are underwater and lenders would not finance the full amount. The first step we made was talk to the mortgage company and ask for a modification of the loan by either extending the length for a few years to 30 yrs, at least until we could wait out the value decline and hopefully improve value as well. We were immediately declined because " We both have jobs and can afford our monthly payments '' to which we completely agreed except for the balloon has now matured and we are not allowed to make payments. We then found a company that would refinance at the value that was stated by Mortgage company and submitted it as an offer of settlement. Example home mortgage owed is XXXX we offered XXXX the mortgage company kept sending letters that it was under review and had us wait even longer ( no payments allowed to be made ) We are not going to look good for our credit now. Today I was told simply the lender wants full amount, we do n't have liquid assets to make up the difference we explained that. No explanation as to why our settlement was declined. I was told our next step could be Deed in Lieu.
Product: Checking or savings account

I am writing about an issue that I faced with bank of America account. Thsi happened on XXXX XXXX, 2017. I was being scamed for XXXX dollars. I met someone on facebook who was interested in renting my apartment. So for an initial advance for {$200.00} dollars i gave them my account number. Next, i heard that she transferred me XXXX instead of XXXX and wanted her money back. I transferred her the money back as i thought that is the most ethical thing to do ( I agree that this was my fault ). Next she told me that the money I transferred bounced back and when i checked my BoFa account and yes the money was returned to me as a credit adjustement. Therefore she asked me to transfer again and i did. Next day on XX/XX/XXXX, I checked my account and there are no sign of themoney that she initially transferred. She obviously pulled it back and i knew i lost XXXX dollars. My problem started when I asked the BoFa customer personnel about the credit adjustment that I was seeing in my account which in the first place made me transfer an extra XXXX dollars to that first. Bofa customer person told me that it is from a claim that i initiated for a ATM deposit. I told them I never initiatedany such claim. So we tried to tarck who initially filed that claim. We came to know that someone impersonated me and called BoFa and filed that claim. This is a clear case of identity theft and fraud. But bank of america is not considering this as a fruad and not takinh any action to get me atleast the {$2000.00} that i only paid because i saw that credit in my account. After some more digging, I came to know that some one ( a male ) called bank of america ( though I am a female and solely hold the account ). The person was able to identify himself as me by giving my account number ( i gave for initial transfer ) and date of birth ( from my XXXX profile ). He failed multiple time to identify himself on the type of account, last deposit as well as the CVV number ( because he never had that info ). BoFa should have stopped him there and atleast had called on the cell number associated with the account to confirm the activity. They never called me but the customer agen XXXX XXXX escalated the case to her manager XXXX XXXX and she gave him what he wanted. I feel Bofa was very negligent while dealing this case and now they are not even accepting the fact that it was there mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen from Equifax. And then I find out, because I checked to see if my information was stolen, I relinquished all rights to sue Equifax and agreed to arbitration. How can a company get away with this? It provides them no responsibility to ensure your personal data is secure. 

So they could setup a fake identity theft service, I get my identity stolen, and because I checked to see if it was stolen I have no recourse in a court of law? How is this legal!!??
Product: Debt collection

During the XXXX pandemic, my debt with XXXX XXXX XXXX was improperly sent to collections. The amount in dispute is ** $ XXXX, and the account was opened on XX/XX/year>. Since then, the debt has been repeatedly passed from one collection agency to another, leading to ongoing harassment and relentless calls from various debt collectors. 

Despite my efforts to dispute the validity of this debt, collection agencies have continued to pursue me aggressively. They have even falsified legal actions, making false claims about seizing my assets and taking me to court, which never materialized. These intimidation tactics have caused undue stress and financial hardship. 

Furthermore, this account has been improperly coded as an eviction and broken lease, which negatively impacts my ability to secure housing. This misrepresentation of my rental history is a violation of my consumer rights under **15 U.S. Code 1681s-2**, which prohibits the reporting of inaccurate or incomplete information by furnishers of credit data. 

I have made multiple attempts to obtain verification and documentation from XXXX XXXX XXXX, but they have failed to provide any proof validating the debt. As a result, I formally disputed the debt with XXXX, XXXX, and XXXX, requesting a proper investigation. However, they have failed to conduct a thorough review and continue to list the debt on my credit report without proper validation. 

This ongoing failure to investigate and verify an alleged debt that has been disputed for an extended period violates my rights under the **Fair Credit Reporting Act ( FCRA ) ** and the following federal laws : - **15 U.S. Code 1681s-2** Responsibilities of furnishers of information to consumer reporting agencies- **15 U.S. Code 1681i** Procedures for resolving disputed accuracy - **15 U.S. Code 1637 ( a ) ( 2 ) ( 9 ) ( A ) ** Requirements for disclosures related to credit extensions- **Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692e** Prohibition on false or misleading representations by debt collectors Given these clear violations, I am requesting immediate action to : 1. **Remove** this unverified and inaccurately reported collection account from my credit report.

2. **Ensure** that the eviction and broken lease codes are deleted as they were improperly assigned.

3. **Cease** any further collection attempts, as the debt has not been properly validated. 

I expect XXXX, XXXX XXXX and XXXX** to comply with federal consumer protection laws and conduct a **proper and thorough investigation** into this dispute.
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 Subject : Formal Complaint Against Resurgent Capital Services L.P./LVNV Funding LLC Dear Sir/Madam, I am writing to file a formal complaint against Resurgent Capital Services L.P. XXXX XX/XX/2023, I submitted a complaint against LVNV Funding LLC, citing their deceptive collection practices and violations of my rights under FDCPA and FCRA. In my initial complaint, I highlighted that XXXX XXXX XXXX, acting on behalf of LVNV Funding LLC, had contacted me last year regarding an alleged debt, which I promptly disputed to no avail. Despite LVNV Funding 's failure to substantiate their right to collect the alleged debt by failing to provide proof of the account transfer, they continued to report the collection on my credit, a clear breach of both the FDCPA and the FCRA. 

On XX/XX/2023, Resurgent Capital Services L.P. responded to my complaints through the Consumer Financial Protection Bureau with a standardized letter, asserting the following : " With its purchase of the Account, the Current Owner ( LVNV Funding LLC ) acquired all ownership rights, including the rights to collect on the Account and to report to the credit bureaus, if eligible. Currently, this Account is being reported to the credit bureaus on behalf of the Current Owner. '' Regrettably, the CFPB closed my complaints without permitting me to respond, thereby denying me the opportunity to request critical information from the respondent, which would have led to a favorable resolution for me. Therefore, in line with their response, specifically paragraph number 4, I hereby request that Resurgent Capital Services L.P. promptly furnish evidence of LVNV Funding LLC 's purchase of the account, demonstrating their claimed rights, in the form of a transfer document and a bill of sale for the account, including my name and the account number. This request is essential, as anyone could assert ownership without providing substantiating evidence. In the absence of proof of LVNV Funding LLC 's ownership of the account, the collection must be expeditiously removed from my credit reports. For your reference, I am attaching their response letter. 

Thank you for your attention to this matter. 

All rights reserved. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The address XXXX XXXX XXXX is an inaccurate address that was on all XXXX main credit bureaus and XXXX XXXX. XXXX, XXXX and XXXX XXXX have all removed the incorrect address. After many attempts ( XXXX. Report # XXXX XXXX, XX/XX/XXXX ) ( XXXX. XXXX, XX/XX/XXXX ) and several phone conversations, Experian XXXX refuses to remove the inaccurate address. This address is not tied to any trade lines and opens me up to identity theft. Experian actually has my account flagged for the possibility of identity theft. There were a total of XXXX addresses on my Experian credit report and they have removed all but the XXXX XXXX XXXX address. 

Experian has been fined XXXX XXXX dollars by CFPB for deceiving consumers, there has been over XXXX complaints made to the CFPB by consumers of this very complaint. Experian only verifies information NEVER validating the information that is disputed on the credit reports. 

Additionally, in XXXX & XXXX Experian has experienced breaches which is why I am making sure all of my information is accurate on my credit reports to ensure I am protected. 

Even after being absent from the address of XXXX XXXX XXXX for over XXXX years I have received mail with that address on it.
Product: Mortgage

Dear Sir/Madam, I am writing to file a formal complaint against XXXX for multiple violations of federal mortgage servicing rules, particularly regarding the handling of my successor in interest claim. Below is a timeline of events demonstrating XXXX 's repeated failures : XX/XX/2024 : Estate Administrator XXXX XXXX authorized XXXX to discuss the mortgage with my sister and me. 
XX/XX/2024 : XXXX sent an automated response promising to follow up but failed to do so. 
XX/XX/2024 : After numerous calls, XXXX acknowledged my " authorization '' and provided a loss mitigation form. 
XX/XX/2024 : XXXX stated I couldn't complete the loss mitigation form until recognized as a successor in interest. 
XX/XX/2024 : I submitted requested information ( Legal Claim, Valid ID, Full Name, Address, Email, Phone Number ). 
XX/XX/2024 : XXXX requested additional documentation, which I promptly provided ( Affidavit of Heirship, Death Certificate, Legal Claim, Probate Court Letters ). 
XX/XX/2024 : XXXX claimed I had no authorization to speak with them. 
JXXXX XXXX XXXX : XXXX again requested previously submitted documentation, which I provided again. 

These actions violate several federal regulations : Violation of Regulation X ( 12 C.F.R. 1024.36 ( d ) ( 2 ) ( i ) ( A ) ) : XXXX failed to respond within XXXX business days to my successor in interest request. 
Violation of Regulation X ( 12 C.F.R. 1024.40 ) : XXXX failed to maintain continuity of contact, providing inconsistent responses and repeatedly requesting the same information. 
Violation of Regulation X ( 12 C.F.R. 1024.41 ) : XXXX failed to properly evaluate for loss mitigation options by preventing me from completing the application due to their mishandling of my successor in interest status. 
Violation of the Consumer Financial Protection Act : XXXX 's actions constitute unfair, deceptive, or abusive acts or practices ( UDAAP ) under 12 U.S.C. 5536.

These violations have caused significant harm, including : Unnecessary delays in the loss mitigation process Emotional distress and frustration Potential harm to my credit score Risk of losing the property due to Loancare 's failure to properly process my claim I request that the CFPB investigate this matter and take appropriate action against XXXX, including : Requiring Loancare to immediately recognize my successor in interest status Mandating that XXXX properly evaluate my loss mitigation application Imposing appropriate penalties for their violations of federal regulations Requiring Loancare to implement proper training and procedures to prevent similar issues in the future I am prepared to provide any additional information or documentation necessary to support this complaint. Please contact me at XXXX or XXXX if you require any further details. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Hello, I hope this message finds you well. I am a victim of Identity Theft. The thief has opened up multiple accounts with my stolen personal information. As a result, most of these accounts have been sent to collections.

Currently, the account opened at Professional Debt Mediation is not my account and is a direct result of identity theft. 

I can show all proper documentation proving my innocence. Please have them block this account from reporting to my credit report and have them conduct a proper investigation. 

Thank you.
Product: Credit card

A fraudulent charge for {$50.00} showed up on my card on XX/XX/. The credit card website would not allow me to report the charge as fraudulent, so I called them on XX/XX/XXXX  to report it. I spoke to two different people and told them both that I did not make the charge. They reversed it " conditionally '' and coded it as goods not received. When the vendor provided them with information about the sale, the credit card company told me I was responsible for the charge and charged it back to my account. I sent them an email on XX/XX/XXXX  telling them that I did not make this charge, and they responded that it would be closed by XX/XX/. I sent them another email on XX/XX/2023 and then called them on XX/XX/XXXX  because there had been no updates. On XX/XX/, their fraud department told me they would close the account and issue a new card but it would take them one to two billing cycles to investigate the fraud and reverse the charge despite my reporting it over two months ago. 

I believe Citi bank has a pattern of denying fraud charges and intentionally making it more difficult to report, particularly with online retailers. This is based on my past experiences with this same credit card and my interactions with their customer service department.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Equifax Account XXXXXXXX XXXX XXXX XXXX XXXX Account Holder XXXX XXXX XXXX XXXX XXXX XXXX Account Holder - XXXX XXXXXXXX XXXX - - Account Holder XXXX THESE ACCOUNTS DONT BELONG TO ME CREDIT BUREAUS FAIL TO VERIFY THESE ACCOUNTS I NEED THESE ACCOUNTS REMOVE OFF MY CREDIT
Product: Credit card

The Capital One card Account XXXX was opened in XXXX of XXXX. The account was closed with a balance of {$650.00} as of XX/XX/XXXX. My wallet was lost when I was in the hospital healing from a brain aneurism. I was in a XXXX  for XXXX months and was recovering for XXXX months. I suffered a XXXX as well. I will provide the police report and the last communication with Capital One. Their was no way possible I could have taken this card out on my own. I even offered Capital One XXXX to remove the debt from the four credit bureaus. They agreed but were not transparent of what my credit would look like and how it would be repaired. Would the repaired reports read paid as agreed or be taken off the records completely. They never got back to me with an answer. In the police report provided I offered to send proof that I was in the hospital in the form of my medical records. Recently XXXX hospital was breached with a massive loss of patients data. Just last week one of the three credit bureaus was breached as well. I received a phone call from a man asking for XXXX dollars to remove my personal information from the world wide web. He gave me my social security number and date of birth right over the phone. Ask Capital One to take the XXXX to fix my account. Other the the offer of XXXX I will have no other choice to hire an attorney to get this rectified. I have contacted the federal trade and filed a complaint with them as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent XXXX XXXX  certified mail requesting information reguarding an negative item on my credit report, asking them to validated it bearing my signature on XX/XX/2018. With no response in the the 30 days time period allowed by the FCRA, they have violated and the negative account should be deleted. 
delivery comformation XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with an account and Inquires that I did not authorize
Product: Debt collection

I am writing to formally dispute the actions of [ Midland Credit Management ], which I believe constitute unfair or abusive practices. Specifically, I am concerned about the use of threatening language in their communications with me, which I believe violates the Fair Debt Collection I am writing to file a formal complaint regarding a collection account that has been improperly reported on my credit report by MIDLAND CREDIT MANAGEMENT INCwithout providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by 12 CHR 1006,34 ( D ( 3 ), yet they have proceeded to place a collection account on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. 2. I have not been afforded the opportunity to dispute the account in accordance with 12 CER 1006.34 ( c ) ( 4 ) ( 1 ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt. XXXX. 
MIDLAND CREDIT MANAGEMENT INChas resorted to false, misleading, and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 2.

Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

COMPANY NAME is flagrantly disregarding consumer protection statutes. I did not receive any notice from MIDLAND CREDIT MANAGEMENT INCproviding me the opportunity to dispute the validity of this debt within 30 days, as required by law. This has caused significant harm to my credit score and has resulted in undue financial and emotional stress. 
I kindly request that the CFPB investigate this matter, as I believe this collection was reported without following the proper legal procedures.

Additionally, I request that MIDLAND CREDIT MANAGEMENT INC. remove this account from my credit report and cease all collection efforts immediately. 
Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint. Sincerely, XXXX XXXX