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

In early XXXX, I attended a protest of the XXXX XXXX ' police training facility in XXXX , GA . I was XXXX along with 22 other concert goers and held in XXXX XXXX XXXX for almost 4 weeks, despite not being formally charged with any crime. Upon returning home I received notices from Bank of America that my checking, savings, and two credit card accounts had been suddenly closed. I was able to transfer my checking and savings accounts to a new bank, but I struggled for several months to obtain a new credit card due to the impact this cancellation has had on my credit score. Upon meeting with my local bank manager ( XXXX XXXX ) on Monday XX/XX/XXXX and calling BofA to seek additional information about why my accounts were closed, I was not given any additional information. The BofA representative I spoken with on the phone maintained that BofA has a right to close accounts at any time without giving a reason. The bank manager I met with in-person reviewed my bank accounts and said that she could not see any evidence of fraudulent activity from my accounts. Given the fact that there is no evident fraudulent activity in my accounts, I have strong reason to believe that these sudden account closures are indeed related to my political and legal situation. I understand that BofA is a financial supporter of the XXXX XXXX ' police training facility, so I am concerned that BofA is using its power as a financial institution to punish protestors and suppress the right of free speech by penalizing customers who speak out against a project it supports financially. Without additional information, I also can not tell whether BofA identified me through public media surrounding this case or through collaboration with police. In the meantime since my in-person meeting with the bank on XX/XX/XXXX, I have contacted my local representatives, who independently reached out to Bank of America . As a result of this exchange, Bank of America issued me a final letter ( addressed by XXXX XXXX ) on XX/XX/XXXX reiterating their decision and refusing to provide additional reasons for the closure of my accounts. I also filed a complaint with the OCC, and received a reply that my complaint does not fall under their jurisdiction. On XX/XX/2023, my savings and checking accounts were closed, and on XX/XX/2023 cashiers checks were mailed to me with remaining balances in those accounts. Similar issues with Bank of America and XXXX XXXX ( both of which are corporate funders of the police facility ) have been documented for at least two other defendants in this case. I am submitting a complaint individually because the sudden and inexplicable account cancellations have negatively impacted my credit, and they seem to be a targeted attempt to inflict financial damage to citizens exercising their right to protest.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C These companies below have continued to try an collect a debt that I have no knowledge of and I am protected under certain laws to not respond and to not also give them any money. I've recently filed complaints with the XXXX and my local attorney general office against all of these companies because it is impacting my credit in a negatively way and I get denied for things I should be getting approved for. They reported to XXXX, Experian and XXXX XXXX XXXX XXXX XX/XX/2023 {$870.00} XXXX XXXX XXXX XX/XX/2023 {$570.00} XXXX XXXX XXXX XXXX. XX/XX/2023 {$2000.00}
Product: Checking or savings account

I was trying to purchase a DJ controller off of XXXX XXXX. Was in communication with the seller and we both agreed with the amount of {$160.00}. This was around XX/XX/2024. He sent me a number to send the money through XXXX XXXX. Turns out to be a scam. He claimed that he never received it and proceed to keep sending him more money. I filed a claim with Wells Fargo and they denied it because they can't due a charge back because it was a third party.
Product: Mortgage

Bought our house in 2004 from wells fargo for XXXX was told i did not qualify for a modification my home went into foreclosure i begged and borrowed the {$20000.00} they said i needed to stop the foreclosure ( including fees ) selling my house now and i am told my payoff is XXXX????? How is this possible
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SUBMITTED ALL DOCS TO SHOW THAT THESE ACCOUNTS ARE FRAUD AND I NEED THESE ACCOUNTS UPDATE ASAP. 

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: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing Fraudulent Information on my credit report since XX/XX/2021 and I have been waiting for the response from the Credit Bureaus but up until now, I haven't gotten anything from them. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, TransUnion, and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. I am requesting this information to be reviewed for completeness and accuracy and appropriateness. 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 and pursue legal action. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Money transfer, virtual currency, or money service

Someone posing as XXXX XXXX requested unpaid account balance of {$160.00} via Zelle to a XXXX XXXX and then a further {$570.00} to the same account to reverse the transaction for a total of {$540.00} through my XXXX Zelle account on XX/XX/XXXX. Reported days later to XXXX when XXXX XXXX denied that any payment had been made. 
XXXX refused to remedy or reimburse. XXXX client since XXXX. 
Payments were : XX/XX/XXXX Zelle Debit Pay ID : XXXX {$160.00} XXXX XXXX XX/XX/XXXX Zelle Debit Pay ID : XXXX {$570.00} XXXX XXXX
Product: Credit reporting or other personal consumer reports

I AM WRITING IN REGARDS TO THE UNAUTHORIZED INQUIRES THAT HAVE BEEN RECENTLY TO MY CONSUMER REPORT, THESE INQUIRES ARE FRUADULANT AND WERE NOT AUTHORIZED BY MYSELF.UNDER 15 USC 1681c-2 MUST BLOCK ANY INFORMATION DEEMED INDENITY THEFT. 

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

PENNYMAC did not communicate well at all regarding my refinance. I was never called to discuss my appraisal, nor was I given a reconsideration when asked for it. I even asked for documentation stating a reconsideration was asked for and was told they did not provide that. My appraisal came in at XXXX less than what homes around me are selling for and my home was built in 2020. The company failed to enlighten as to why that was or work in my favor. The company failed to discuss the actual cost in fees to buy down my rate charging me an obscene amount in points. Without even mentioning it. I would highly advise anyone to use any company other than PENNYMAC
Product: Credit reporting, credit repair services, or other personal consumer reports

I accessed my credit reports and see that  Capio Partners are reporting information that they are not legally able to report. According to the Secretary of State the agency is not licensed and bonded to collect a debt in Tx. They are reporting negative information and woul d like for them to delete the information they are not bound to report. i have reached out but to no avail they are refusing.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan with Mariner Finance was paid in full on XX/XX/19. All 3 credit reporting agencies had my loan as paid in full on XX/XX/19. Then all of the sudden on XX/XX/19 my loan balance was put back onto my credit reports with XXXX and XXXX and XXXX negative comment added. How can Mariner Finance add my loan back onto my credit report when it is paid in full? My score dropped over 30 points on both credit reports. I need it fixed by XX/XX/19 so that I can buy a car!! I should not have to deal with all this stress!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed complaint # XXXX. Thus far XXXX still has not corrected the incident and as a result I have continued to be denied for everything that I applied and my limits are now being reduced as a result of this. I was in the XXXX XXXX area and I was declined for the XXXX loan and the emergency bridge loan as a result of this. I received a letter stating that they would take care of this issue and it still has not been corrected. Also in the response they sent back to you they mad it seem as this was my fault when all I wanted was for the minimum payment to be taken out of the my account. They made the mistake to pay a set amount. In the response XXXX XXXX XXXX XXXX XXXX XXXX XXXX stated I signed a authorization. I was not even in the state, I called to do this. I feel that this issue is about them having power and not doing the right thing. I would like to be sure that they do not treat anyone else like this and they all must be stopped and should not be able to work at any bank helping people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried disputing the inquiries on my credit report but Experian does not let me dispute any of the inquiries online. I need the highlighted inquiries attached to this complaint to be removed from my credit report.
Product: Debt collection

Alleged debt purchaser, Portfolio Recovery Associates , LLC ( " PRA '' ) made multiple false, misleading and deceptive written and recorded telephone statements about Ohio law 's requirements about the type of documents and legal instruments it must provide me to establish written debt verification of it's standing and real party in interest status as the owner and purchaser of my credit card account. In XXXX, 2023, PRA placed a collections account on my credit report as the alleged purchaser of the account from the original account holder. I exercised my rights under Fair Debt Collections Practices Act and Ohio Consumer Sales Practices Act ( ORC Section 1345 ) to request written debt verification, starting with proof PRA is the true owner of my account. I specifically requested copies of the account and asset purchase and sale contract, bill of sale, payment records and assignment of account rights between PRA and the original creditor. PRA refused to produce these records. In two lengthy recorded telephone calls with PRA Disputes Teams employees and supervisors, PRA falsely stated Ohio law did not require it to produce these records in response to requests for written debt verification. PRA stated the monthly account statements and extraneous correspondence purportedly from the original creditor met its legal burden of proof. PRA was fully aware but ignored binding legal precedent from the Ohio XXXX XXXX XXXX XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX which completely supported me and rejected PRA 's argument. In fact, the Ohio Court of Appeals reversed the trial court and entered judgment for the consumer because PRA failed to produce the exact same records I requested. Subsequently, I performed independent legal research which yielded the XXXX decision. In XXXX, 2023, I emailed PRA 's legal department the XXXX decision. Only then did PRA acknowledge its false, deceptive statements and closed my account. Notably, the Ohio Supreme Court has held the Ohio Consumer Sales Practices Act provides similar yet " broader '' protections for consumers as the Federal Fair Debt Collections Practices Act. See, XXXX v. XXXX XXXX XXXX. XXXX, XXXX, XXXX Ohio XXXX XXXX. Both statutes allow for actual and nominal damages for false, misleading and deceptive statements. The Ohio statute also authorizes treble damages for violations. I seek {$6000.00} compensation to avoid filing a lawsuit.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Please update with removal USC Sec 15 1681, 1682. 1683. 1684, 1692g These accounts continue to show up in Equifax FICO scores and Equifax XXXX scores. both of these accounts were removed by Equifax at the end of last month. Can you please update so that it reflects on my score correctly. 

XXXXXXXX XXXX  {$140.00} Date Opened XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$13.00} Date Opened XX/XX/XXXX Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Hyundai Motor Finance Lease Agreement, dated XX/XX/XXXX Account Number : XXXX Leased Vehicle : XXXX HYUNDAI XXXX XXXX XXXX XXXX : XXXX Hyundai reports to ( 3 ) credit reporting agencies that I am past due $ XXXXAttached are receipts that show not only that am I not past due, but paid more than the agreed upon settlement offer of {$4800.00}. 

{$1200.00} paid to XXXX XXXX Acct # XXXX XXXX  # XXXX and {$4900.00} to XXXX XXXX XXXX XXXX XXXX. 

Listed below are complaints to the cfpb from XXXX regarding the adverse actions I have received related to inaccuracies and unwillingness, based on the responses to the cfpb, to correct errors. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX current one XX/XX/XXXX XXXX  Dispute- # XXXX Hyundai states it previously received no letters from me which is a blanket statement that anyone can make on their behalf and to their advantage. Attached are certified return receipt of a XX/XX/XXXX correspondence along with a copy of the letter digitally signed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim is ID Theft. I have reached out to all 3 agencies and froze my accounts. Experian has locked me out of my membership account. This issue was sent to their Escalation Department for review and solution. I am concerned that the criminals now have access to my membership account and I can not get any answers from Experian about getting my login credentials working again. As a victim of identity theft I need to be able to access Experian because it is the largest of the three reporting agencies. All three of these companies collect very sensitive information on every American and yet they all have had hackers easily steal this sensitive data*. There has to be a better solution. But for now, all I am requesting is to have the ability to access my own personal account at Experian. 

*Experian acknowledged that their security failure persisted for over seven weeks, between XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX ( Experian sister company ) had a data breach that occurred between XXXX and XX/XX/XXXX. 

XXXX was hacked in XX/XX/XXXX and was held ransom by the hackers. 

Thank you, XXXX
Product: Mortgage

XX/XX/2019. lakeview cashed a XXXX payment but took out XXXX. now checks are bouncing and more checks are due.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX has fraudulently reported and sold my personal information to Credit reporting agencies and XXXX XXXX XXXX XXXX and failed to discharge the debt in accordance with the Law. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. By law its my understanding I was suppose to recieve a Cash Advance at the start of our contract I never did. I also sent over registered securities as tender with special endorsements for the principle account for satisfaction and discharge as well as cancellation pursuant to article X1 in the base Indenture of trust Indenture for the issuer and registrar. Securities fraud braking of the Trust Indenture Act of 1939 and The Securities Act of 1933.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2025 Subject : Dispute of Civil Liability for Negligence and Non-Compliance under Section 1681 I hope this letter finds you well. I am writing to formally dispute the civil liability for negligence and non-compliance with the provisions outlined under Section 1681 of the [ Fair Credit Reporting Act ( FCRA ) or relevant statute ] regarding the recent issue that has occurred. 

As per the legal requirements of the FCRA and its associated regulations, I believe Harris & Harris has failed to meet its obligations in reporting accurate information, conducting reasonable investigation and notifying me. This oversight constitutes a violation of my rights under the aforementioned statute. 

Specifically, my dispute revolves around the failure to correct inaccurate information in my credit report and failure to investigate a disputed claim. This lapse has resulted in erroneous credit report impacting my financial standing, denial of services etc. 

Under Section

1681 of the FCRA, individuals are entitled to certain protections, and it is clear that [ Harris & Harris ] has not fulfilled its legal obligations in this case. I request that this matter be promptly rectified by removing negative marks from the report. I trust that you will review this issue thoroughly and provide a resolution in accordance with the legal framework and industry standards. If this dispute is not resolved within 30 d
ays I will be forced to take further action, including pursuing legal remedies available under the FCRA and seeking redress through appropriate authorities. 

Please acknowledge receipt of this letter and inform me of the steps you are taking to address my concerns. I look forward to your prompt and fair resolution of this matter. 

Thank you for your attention to this important issue. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

I posted a truck for sale on XXXX  on XX/XX/020, someone contacted me the same day wanting to buy the truck, I then received an email from XXXX advising that I received a payment but it was on Hold until I send the shipping agent his fees to pick up and deliver the truck. I was so nave and did not suspect it was a scam and I went and transfer the funds using XXXX. After further research I found out it was all scam and that I have just lost XXXX. 
I have emails and text messages that I can provide. 

Please kindly advise if this type of Scam is something that you can investigate. 


Thanks
Product: Checking or savings account

Wells Fargo Bank ( XXXX XXXX ) helped me on around XX/XX/year> said to call Estate Care CenteXXXX XXXX XXXX XXXX XXXX in 10 days because there was money drawn out of my sons account after he passed away on XX/XX/year>. The estate center recovered about {$3000.00} from the about $ XXXX withdrawn from my sons account. I did not get his debit card from the house he passed away in. XXXX living in house said they could not find it. This money was winthdrawn in numerous tranactions. 
around XX/XX/year> talked to XXXX XXXX XXXX XXXX sheiff dept send him copies of last bank statement showing the bank withdrawnals. 
Also stopped at bank Monday XX/XX/XXXX and said my son had passed away asked if I could put hold on his account because I didnt have his debit card. A tall man with glasses and gray hair I didnt his name said can't do anything until I had death certificate.
Product: Checking or savings account

Pretty simple. I didn't receive the {$300.00} bonus I am owed for opening this checking account and meeting the terms. From what I'm seeing online, this is a fairly widespread way of doing business for this bank. There are a number of people waiting for bonuses they were owed. I am one of those people. The {$300.00} was supposed to arrive within 120 days and it has been longer than that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly tried to get Equifax ( to whom I pay for a credit monitoring service ) to correct my address. I have already mailed my driver 's license, SSN card, cover letter, several times yet they keep losing it or otherwise fail to update my information. What is more, the other two major credit reporting bureaus and my two banks and all my utility companies have the correct information on file. Equifax is negligent since they, out of all the other organizations, have the incorrect information. I am utterly sick and tired of mailing the information to them and dealing with them on the phone, to no resolution. Please help and please hold them accountable. Thank you.
Product: Mortgage

We submitted an official request for PMI cancellation on XX/XX/2016. However, the PMI request is still " pending '' with NATIONSTAR Mortgage, who recently requested an additional extension, this time 30 days, in a recently 'closed ' case with CFPB. We 've satisfied all requirements from the Homeowners Protection Act over 10 months ago.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX On XXXX XXXX, I sent Equifax Credit Bureau information to remove hard inquiries from my credit report listed below. It has been 40 days and still no response from Equifax. The disputed inquiries must be removed due to the fact that I did not give my written consent to run my credit report. It can take up to 60 days if I send Equifax more information, but I did not. According to the FCRA Laws, I have a right to privacy. 
XXXX, XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX