23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX XXXX XXXX have a home equity line of credit second mortgage loan with Bank of America on our home. This loan ( XXXX ) originated on XX/XX/XXXX. The loan agreement expiration date is XXXX XXXX, XXXX and it comes with a ten year draw period. It is common practice for a performing line of credit for the bank to extend the draw period once the initial term expires. In my case, Bank of America chose to deny us the option to extend the draw period. Under the Federal Equal Credit Opportunity Act, discrimination against credit applicants on the basis of race is prohibited. It is my claim that Bank of America is not in compliance with the Federal Equal Credit Opportunity Act. There has NOT be any material change in our financial circumstances, contrary to what Bank of America claims. When this loan commenced, we chose the interest only payment option because it allowed us the greatest flexibility with payment amounts on a monthly basis. The payment history reflects that although we chose the interest only payment option, we always made principal payments on a monthly basis. The value of our home is such that it is in compliance with the banks ' loan to value ratio. Once the draw period expired in XX/XX/XXXX, we requested a 10 year extension. This was denied by the bank. They informed us that we needed to amortize the loan balance over a specific term. The payment option Bank of America initially offered to us as significantly above our capacity to pay. We informed them that we could not comply with these new payment terms and they offered their RMA program, Request For Mortgage Assistance. Since XX/XX/XXXX, we 've completed multiple forms sent to us by the bank, During this time period, we 've continued to make the same loan payments we 've made during the past ten years, which is an amount above the interest only threshold. On XX/XX/XXXX, I was informed that Bank of America has been reporting to the credit bureaus negative information regarding payments. It was my understanding that during this credit review period, that the payment terms would remain the same, particularly since I informed the Bank that we could not make there revised fully amortized payments. At that same time Bank of America is allegedly claiming to assist us with the line of credit, they are reporting negative information to the credit bureaus, thereby ruining my credit. Bank of America should be held accountable for this unfair action. They are the ones who have requested on XXXX different occasions over the past five months for additional credit information. We have provided this data on a timely basis while at the same time, paying on the line of credit. During this transition period of gathering financial information, you would think that Bank of America would allow the initial payment terms to apply until it could be determined what we could afford to pay. Bank of America is practicing unfair credit policies.
Product: Payday loan, title loan, personal loan, or advance loan

Every week my Bank account is overdrawn severely due to earnin app sending repayment request to my bank which processes all request as soon as they are received. Now as part of their eligibility metric you must avoid a negative bank account to keep access to the payday advance. Each pay cycle my advance amount is lowered and lowered and earnins response was my account is negative each pay cycle so the amount i borrow Each time is lowered but overall Im having my bank account overdrawn by earnin. Last pay cycle i repayed earning about {$220.00} ; which my account was negatively impacted by for an advance that was initially {$200.00}. They also break up your advance amount forcing you to repay fees on both advance amounts. Example Im eligible to borrow {$200.00} but its broken into XXXX separate loans making the apr on both loans for XXXX week excessive and crazy IE : {$150.00} loan repayment is {$150.00} in XXXX days the next day they allow access to the {$50.00} which you would then be charged a XXXX fee for transfer plus a repayment fee
Product: Debt collection

The following letter was sent to Velocity Investments , LLC on XX/XX/year> : To Whom It XXXX Concern, You were previously sent a demand letter on XX/XX/year> from me, XXXX XXXX, requesting the removal of collection item pertaining to Case Number XXXX that does not belong to me. I called and spoke to a representative on XX/XX/year> and it was stated by the representative that the item was removed. However, you are still reporting it to the credit bureaus and continuing on with a lawsuit. Your firm has failed to provide the legally required validation of Collection Item pertaining to XXXX XXXX XXXX. 

You have been notified that your actions are detrimental to me and that your firm has violated, including but not limited to, the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. Your firm knew or should have known that the actions taken against me and the information collected about me were inappropriate and damaging. Velocity Investments , LLC failed to exercise reasonable care in their business practices and did not implement even minimal procedures to ensure that I was not harmed. Velocity Investments , LLC communicated and are continuing to communicate incorrect and defamatory information to third parties, including but not limited to : XXXX, XXXX, and XXXX. As a result of these blatantly reckless, wanton, and intentional acts me has caused me to suffer and I continue to suffer general and specific damages. I am also very distressed by your firms intentional infliction of emotional distress and the overall diminished quality of my life. 

I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX, XXXX, and XXXX ) as well as from the Velocity Investments LLC systems. As I am currently attempting to apply for credit, time is of the essence. Please understand that I am extremely concerned about the consequences of the actions your firm is having on my life. Please be advised that if this matter is not resolved by XX/XX/year>, I will take any and all necessary steps to protect my rights. 

Thank you in advance for your attention to this matter. 

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

Experian has failed to fulfill if its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable investigation of dispute information on my credit report leaving in accurate or unverifiable accounts unresolved. The Consumer Financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging, systematic issues such as fail to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experiences where Experian neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standings. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian an action violates federal law and my rights as a consumer.
Product: Checking or savings account

On XX/XX/XXXX I made a purchase of {$80.00} to a gentleman named XXXX who was selling a video game that I was buying for my child. Now I have met XXXX a few times prior and all transactions were good however this transaction I sent him the money and received an empty box from him keep in mind I met him face-to-face so it couldnt have been anybody else like a delivery man or anything that took something out of the box. The fact of the matter is that I was scammed and I have {$.00} in my account and I am trying to get my money back from VENMO and they are not moving along. Its been XXXX days now. Also, they made a mistake on their part at first when I first filed a complaint with them they opened up the wrong dispute, keeping in mind that I told them the right specific transaction, and they opened up the wrong dispute and an hour later resolve the case, so that just goes to show me that theyre able to resolve cases fairly quickly. This is unacceptable. Ive never filed a dispute with them before and the minute you get scammed they turn around and turn it into something like its your fault so I will be contacting channel XXXX news of XXXX XXXX. I voted made a complaint with the XXXX XXXX XXXX. Im currently making a complaint with you guys next Ill be making a complaint to my local and state law enforcement officials. Ill be contacting my congressman and I will be contacting small claims court. However, I dont want to do all this. I need this to get resolved immediately this is unacceptable all over {$80.00}.
Product: Debt collection

I stopped payment on a check that I did not present XXXX. The drivers license number or birth date or signature are not mine on the check. Have contacted Trident Asset Management numerous times they are very rude and wo n't listen to me. They reported this stop payment check XXXX and the refuse to delete it.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.   XXXX   XXXX   2.   XXXX   3.   XXXX   4.   XXXX   5. PNC Bank 6.   XXXX   XXXX   7.   XXXX   XXXX   XXXX   8.   XXXX   XXXX   9.   XXXX   XXXX   To whom it concerns i recently pulled my credit report and noticed fraudulent errors dealing with the company 's listed above. I 've contacted these company 's by phone email and mailing certified letters. I have n't received any documents, phone calls nor emails from the banks, credit bureaus and The  XXXX . It has been over a period of five years since  XXXX /2012 and current. I 've asked the company 's to send verifiable documents of any signatures pertaining to me but i still have n't received any documents back yet. I have not been able to open an account in over 5 years and have n't open any accounts because of this fraudulent error where my identity was used to open the accounts listed above without my consent. Identity theft is one of the biggest crimes and it 's an ongoing crime that i have no control over. During this period i also lost my wallet that had my license, social security card, birth certificate and more. This is been an uncomfortable situation that i had to deal with for a very long time and its affected my life. It 's difficult to work a job and get paid where i can not put my money in the bank because someone used my identity to open several bank accounts under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my consumer rights 15 USC 1681e ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Permissible Purposes of consumer reports 15 USC 1681b ( a ) ( 2 ) States that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates 15 USC 1681 ( a ) ( 4 ) states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy
Product: Checking or savings account

Compliant involves TD Bank On Thur. XXXX XX/XX/2022, I received an unsolicited new account from TD Bank. I tried to call them to correct the issue, only to be held on line for more than 2 hours to discuss an issue with the fraud line. I was informed that my identity had been stolen and provided information to protect my identity. Today, I received another check account from TD bank with an entirely new account number. After the first account I froze all my credit reports. notified all creditors and followed all steps from the FTC fraud check list. I contacted TD Bank again-whom makes contacting them in the first place exceedingly and malignantly problematic, after an 1 hour waiting on hold I talked with " XXXX '' whom would not provide any other identifying information like an operator ID number to identify herself whom told me that the account was now blocked but would not provide any assistance. I asked that she flag my name and address in TD bank to prevent this, she refused. I asked her to check to see if any other accounts with my name/social or address had recently been opened she refused. I asked to speak to a supervisor, she refused. She advised me there was nothing I could do with TD bank to protect my identity. 

I am seeking recourse in the form of some documentation from TD bank that my identity is being actively protected by them as they are the only bank I am having issues with. I also am concerned that they will allow a person to open an account without having that person provide basic documents to ensure ID of new account holder.
Product: Checking or savings account

On XX/XX/2023 I received a check from my friend that was sent to me through his account bill pay. I deposited the check and my account Chase decided that they needed to close my account. A few days later I received a cashier 's check for the amount of {$1900.00} which did not include my deposit of {$10000.00}. When I called Chase they said that they needed to verify the issuer and only then will they send me the check. We did verify all the information including and Chase promised to send the check. After a few weeks I decided to call Chase again as I had not received the check and they told me that the issuer should recall the check. So the issue called his financial institution but XXXX XXXX assured us that the check was cashed and no recall was possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX  refuse to remove the unauthorized inquiries ... I have disputed them 2 or 3 times to no avail, and I called the creditors also ... creditors said if I did not give consent that the bureaus should have no problem with deleting the false hard inquiries ...
Product: Credit reporting, credit repair services, or other personal consumer reports

The information contained within this file is incorrect. The reported balance that XX/XX/XXXX is reporting is inaccurate. They are also not the rightful owners of this debt. When XXXX XXXX  closed the FDIC assigned this debt to be handled by the US Government. A formal complaint has been filled against XXXX XXXX, XX/XX/XXXX and the Credit Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Capital One Account XXXX, has violated my rights 15 USC 1681 Section 602 states that 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 instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

CFPB ) has recently filed a lawsuit against XXXX, alleging systematic issues such as failing to forward consumers provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience. Where XXXX has neither corrected nor removed disputed items despite the evidence of provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts, as XXXX inaction violates federal laws and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as XXXX supporting my identity theft claim. As per XXXX U.S.C. XXXX, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX : number XXXX XXXX XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has erroneously duplicated an accident event resulting in having to pay a higher car insurance policy. This has been disputed in the past ; however, the company has not made efforts to correct the information contained in my driver 's record.
Product: Credit card or prepaid card

My complaint is regarding the fraudulent/mispresentation cash rewards and refund ( over payment ) AMERICAN EXPRESS ACCOUNT ENDING XXXX. 
First of all, I paid off the amount of {$2100.00} and payment was received X/X/17. 
I received a statement amount stated {$2000.00} due date was X/XX/17. 
I called and told them that, my refund should be {$74.00} instead of {$67.00}. 
Per conversation, they cant give me the full amount because of the interest fee. 
Its not making sense if the stated on the statement is {$2000.00} ; and I over paid them and theyre not going to give me the exact refund amount, {$74.00}. 
And I asked, regarding my cash reward in the amount of {$33.00} ; and I want to claim or send it to me. They said, not able to send/give to me because of the security question. They asked me XXXX XXXX if I am related to her and I said, I dont know her. That was the reason why did not process my cash rewards. Thats a fraud or mispresentation of the company on their advertising or promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXXXXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$8200.00} ), XXXX XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$810.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$1500.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Experian XX/XX/16 to update my personal information and delete old and outdated information that was reporting on my consumer report a couple addresses and jobs XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX XXXX XXXX They only detected the job so could you tell me why was the job deleted but not the out dated addresses I would love to here the excuse better yet no I wouldnt As a Consumer, I have certain rights and my right to privacy has been violated. I did not give them or anyone else Permissble Propose by law to report, sell or furnish any of my private information to any third-party reporting agencies. My rights have been violated according to XXXX law 15 USC 1681b ( 2 ) this is identity theft better yet Aggravated identity-theft I would love for you to step in and hold them to the law Delete this inaccurate reported information never to return again
Product: Debt collection

I received a collections letter from Convergent Outsourcing Inc. for a {$2000.00} debt to XXXX. I do not have a XXXX account and this letter appears to be a scam. The company has offered to settle my non existent debt for {$700.00}. This company address is listed in WA but the collections letter was mailed from XXXX MI.
Product: Debt collection

Payroll garnishment on original amount of {$7200.00}, which is incorrect. I've paid {$4000.00} in ( XXXX ) and {$2300.00} YTD ( XXXX ). Total amount paid {$6400.00} or 88 % of incorrect total amount. XXXX, XXXX XXXX XXXX XXXX is reporting an additional {$6200.00} balance for a total balance of {$13000.00} owed. I believe this law firm and these attorneys are attempting to take advantage and apply unfair and possibly unlawful practices to inflate original debt of a consumer. Excessive interest and taxes being applied to debt that has been recovered and written off by the original credit union ( XXXX XXXX ).
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 XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX/XXXX XXXX XXXXXXXX Balance : $ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXXXXXX ) XXXX Balance : {$330.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$620.00} XXXX XXXX Balance : {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.