23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I have been a Bank of America customer in good standing since 2011, using a number their services. Recently, my savings account was frozen by the bank 's risk department without notice. The account was not overdrawn and had a steady balance. I was informed over the phone by a representative from the bank 's risk department that the bank had " made a business decision '' in closing my account. I was given no prior notice of the closure or reason for the decision, and I temporarily lost access to online banking for all my accounts ( including checking, credit, and money market savings ). The representative said I could resolve the issue at a financial center, where a bank representative would deliver me the funds " if they had the ability to do so. '' It took three visits over ten days to a local branch to finally get the funds released and the account closed. By the end of the first visit, I told the branch representative that I wished to end all business with the bank. Realizing that the account closure was likely an error and not wanting to lose my other accounts, she attempted to get me to keep my savings with the bank and ( I believe ) intentionally stalled closing the relationship. After each visit, I was told that the matter would be resolved and that the branch would contact me once the funds were released and the account closed, but I never received any contact or follow-up. I was unable to talk with the risk officer and the branch manager provided no further information about the situation. The bank was uninterested in compensating me for work hours lost attempting to resolve this issue. Once the funds were released, the bank dragged its feet in permanently closing the account as I had requested, presumably because they were attempting to retain my other accounts. Given that the bank chose ( for no expressed reason ) to close my account in the first place, I find it troublesome that I was forced to make several phone calls and three trips to a branch before they actually closed the account and returned my money.
Product: Debt collection

Please remove this unidentifiable collection : debt collection Dept of XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Do to the Covid-19 shut down i was out of work at no fault of my own so i was late on my payments but i call all my credit card companies and they said they were going to fix it and we came to an agreement of payments that are being made on time as they are on autopay through my bank. I work for the school district and they all shut down. 
so I feel the last charges on my 2020 payments are not mine. 

thank you very much XXXX XXXX
Product: Vehicle loan or lease

During XX/XX/2019, I mailed a monthly payment check to USAA Bank towards my USAA RV  loan ( ending in XXXX ). I mailed a personal check on time for the payment amount of {$180.00}. Unfortunately the payment amount was actually {$180.00}. I was inadvertently XXXX cents short on my check. As a result, USAA issued me a 30- day late payment to the three major credit bureaus. After lengthy telephone calls and written requests for forgiveness to USAA representatives, USAA was adamant that the damage that they did to my credit was justified on their part due to my past XXXX  cent payment mistake. 

I was so frustrated with USAA reducing my FICO score over 50 points for a XXXX cent mistake on my part I immediately sold my RV and paid off the USAA RV loan.That was my first step to permanently end my banking relationship with USAA ( I have been associate with USAA since I was XXXX years old. I'm in my XXXX 's now ). 

Only after I filed my original ( first ) complaint during XX/XX/2019 with this Federal agency, which is a consumer protection watchdog over banks, did USAA CEO 's office finally agree to remove the related 30 XXXXday late from my credit history with the 3 major credit reporting agencies. They agreed that their actions against me were frivolous ( USAA 's notification of their 30  day late adverse action reversal/correction on file ). As a result, both XXXX  and XXXX removed the 30 XXXXday late from my credit reports, via USAA 's update to them. However, based on my telephonic discussions with XXXX XXXX, they were allegedly never notified by USAA to remove the 30 XXXXday late payment from my credit history. 

As a result. during XX/XX/2019, I finally place an investigation request with XXXX XXXX to remove USAA 's 30- day late mark on my credit report. The same 30- day late that USAA originally agreed to remove. In response to XXXX XXXXXXXX XXXX investigation, USAA decided to instead reissue their XX/XX/2019 30- day late RV  loan payment to the 3 major credit reporting agencies. 

I can't express enough my frustration with USAA 's unprofessionalism. As a result of USAA 's reissuance of a 30- day late for my frivolous XXXX cent RV loan payment mistake, I have been declined a mortgage refi loan due to XXXX and XXXX reducing my FICO score approximately 50 points ; due to USAA 's 30  day late payment reissuance notification ( My XXXX XXXX score remained the same ). 

To any potential consumers who wants to bank with USAA, I would strongly discourage any banking relationship with USAA ; via my personal adverse experience with them. I have always had positive consumer banking relationships with XXXX XXXX XXXX XXXX and XXXX XXXX. I would instead recommend those two financial institutions for loans
Product: Checking or savings account

XXXX in the amount of {$2000.00} on XX/XX/2023. I contacted Chime on XX/XX/2023 in regards to my transaction. They made me aware that they was going to do something about it after 10 business days they told me that my claim was denied i informed them that it wasn't the merchant. It was another individual who stole my wallet, and use it at the merchant location. They informed me to open a rebuttle I did, also I sent a written statement stating that the merchant had nothing to do with what happened and for me to try to file a police report. I couldn't file a police report because the police stated that there was nothing that they could do either since I've already tried to reach out to the merchant, I filed Nother rebuttle on XX/XX/XXXX waited 10 business days to XX/XX/XXXX they informed me I was gon na get a temporary credit on XX/XX/XXXX, XX/XX/XXXX came they denied me Once again, I open another rebottle, which is the current one that is supposedly open they told me on or before XX/XX/XXXX. I informed the supervisor that I am not waiting another 10 business days this is the third rebuttal that I've had to open and I need my funds in my account immediately I have already gave you all the information that y'all are needing and I need this to be escalated and fix still no response and so I have no choice but to reach out to this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name = Credence Resource Manage

Original Creditor = XXXX XXXX  
Date = XXXX  
Collections amount = XXXX
Product: Mortgage

I was told to avoid forecloser to submit XXXX check stubs from employer and my W2 from the last 2 previous years i issues my full tax returns for both the years. Didnt understand that they where looking for the actual doc only and the refuse to give me extra day and submitted my home in foreclosure
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX/XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeking assistance in the matter of a dispute between all major bureaus and a XXXX XXXX XXXX XXXX XXXXXXXX XXXX payments were sent to XXXX XXXX in the XXXX of XX/XX/XXXX these payments were sent to cover my monthly installment payments on an auto loan. Not only did they receive and confirm receipt of these XXXX payments in XXXX, but a payment large enough to cover XXXX XXXX were also made in the XXXX of XX/XX/XXXX. 
NOTE : XX/XX/XXXX payment was never late. I filed a dispute with the lender directly after several attempts to resolve this countless phone calls, emails, letters, and even copies of my bank statements well enough is enough. 
This is an internal problem with the staff and management of this lender they need to be investigated and possibly sued for damages. Onward I was reported XXXX XXXX late on XX/XX/XXXX after filing my initial dispute they updated the reporting to XXXX XXXX, Well this is still incorrect so I initiated another dispute with all XXXX  bureaus each time the lender has creatively updating my file but never removed or correcting the XXXX XXXX late XXXX notice it showed updated but nothing changed, Transunion noticed the XXXX was changed to XXXX XXXX, XXXX was up dated added how much I paid on my loan each XXXX because I always pay more than my amount due. A XXXX dispute was requested now XXXX is refusing to reinvestigate. I have sent supporting documents showing this is their error. 

Recently they updated my credit report adding a late payment for XX/XX/XXXX XXXX in XXXX causing my fico score to drop further. My account and credit file clearly state for the XXXX  XXXX, I made XXXX on-time payments another error. 
XXXX, Transunion XXXX XXXX have a responsibility to the consumer public to do their due diligence, and that's making sure that information is accurately reported otherwise disputes are properly investigated. 
The terms of my installment loan grants a XXXX grace period therefore I have until the XXXX XXXX  of the following XXXX to make my payments before payment is considered late and a late fee is XXXX, not a bureau reporting. I provided proof these payments weren't late not even to get a fee XXXX This XXXX XXXX XXXX XXXX XXXX XXXX here I am the victim, the victim of XXXX XXXX. As a result of this reporting error and how my dispute has been handled, I am forced to seek further action in this matter and will continue to dispute this account until the reporting is satisfactory. 

The terms of my installment loan grants a XXXX grace period therefore I have until the XXXX day of the following month to make my payments before a late fee is XXXX, not a bureau reporting The balance of this loan is XXXX, not XXXX.
Product: Mortgage

I have been corresponding through regular mail with Specialized Loan Servicing about my Loan Modification Application over the past few months in an attempt to get current on our mortgage loan. In the last letter I received from them they requested more financial information from my wife and I. The date that they put in the letter that they wanted to get the information by was XX/XX/21. I sent everything to them XXXX  Overnight on XX/XX/21 and it was supposed to be delivered next day by XXXX XXXX.. However XXXX was unable to deliver it until the XXXX at XXXX XXXX. It was delivered to the front desk/reception area, or mail room and signed for by XXXX XXXX with Specialized Loan Servicing. I followed up today to find out what they had decided and they said the Foreclosure process had started because they never received my paperwork. I explained to them that it was delivered and provided the XXXX tracking number and receipt that XXXX XXXX signed for it at their office. I feel that they need to find the XXXX package and make a decision on the loan modification or delay the foreclosure and allow me to resubmit the paperwork.
Product: Credit reporting or other personal consumer reports

Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate. 
these items to ensure accuracy. 
Here is the Item I am asking you to verify as accurate. 

XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent a amount of {$200.00} to a man named XXXX XXXX. This was done through XXXX. I immediately notified my bank about the scammer and they started working on this. I was notified by them today XX/XX/XXXX that they cant do anymore to get the money back and requested I contact and report it here. I have all the messages between me and the other person. The bank has his true name and bank account informs as well. There is a paper trail through XXXX to track the money also.
Product: Payday loan, title loan, personal loan, or advance loan

I had a checking overdraft account with Citibank. Payments were being withdrawn from the linked checking account, automatically. Citibank suddenly stopped the automatic payments and did not send any notice that the payments had been stopped. I only received notification that the payments were not made after the account was XXXX past due. 

I attempted to resolve the issue with Citibank and even paid the account in full, but they provided no justification and said that the delinquency will remain on my credit report. When I tried to resolve the issue over the phone, I was forwarded XXXX times to different departments and finally disconnected during a transfer. I tried again and was transferred XXXX times with the final agent indicating that she did not know which department to send me to, but was unable to help me. After more than XXXX hours on the phone trying to chase down the issue, the issue is still unresolved and Citibank is not providing a contact or instructions to dispute the resolution.
Product: Mortgage

As of XXXX of 2020, the Colorado Housing Finance Authority is no longer offering refinancing, no FHA streamline financing or otherwise. Beause they do not offer refinancing, they are no longer willing to allow subordination on second liens they hold. Their downpayment assistance programs give borrowers the option of taking a grant or taking a silent second lien when receiving the downpayment funds. If you take the silent second option, they refuse to subordinate if you attempt to refinance the first mortgage, demanding payoff. However, when they were offering  refinance options, they had no issues refinancing. This has left many stuck in higher rate mortgages when they could easily refinance now to take advantage of lower rates. Their pushback is that these terms are in the Note, but there is not additional paperwork that says that they only subordinate if they hold the first lien.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted EWS regarding how XXXX was reporting me and that I was a victim of Identity Fraud, but they disregarded my claim and stated that they " verified '' that the information was accurate although I had an active fraud alert on my account. 

In XXXX, I started trying to clean up my credit due to identity fraud that resulted in XXXX. Ever since, no company ( this company and the others that I will tag in this complaint ) has given me any " REAL '' information proving that I was the source of this debt ... EVEN after I sent several letters, submitted disputes to the Credit Bureaus and the Companies pursuing collections. Without growing weary in the process, I put a fraud alert on my credit reports in XXXX or XXXX that only lasted a short while ( they were recently lifted XX/XX/XXXX ),  while I was still telling these companies that I am indeed a victim of identity theft. Have been trying to clean it up for years but these companies nor the credit bureaus helped with the proof that these accounts could possibly be because identity theft. As of XX/XX/XXXX, an Investigator XXXX XXXX of Economic Crimes Detail with the XXXX County Sheriffs Department contacted me to tell me that they caught a female who had the identities of me and other victims that she obtained off the dark web in order to commit fraud using my, among others ', identity. I have attached the letter for review. This letter is dated this year, but I have been claiming identity theft since XXXX, and all the companies I included in this complaint did not assist me with clearing the debt from my name when I gave them specifics on what I was dealing with. I would like to formally file this complaint that these companies failed to help protect me as a Consumer and now I am looking to start legal actions with all who did not perform their due diligence in proving that I was or was NOT a victim of identity theft nor did they validate any of my debts or their allegations which proves that they did not perform the correct procedures.
Product: Debt collection

Under 15 U.S.C. 1692g ( b ), I formally request validation of the alleged debt. You must provide the following documents within 30 days : 1. Proof of the Original Debt A full accounting of the alleged debt, including the original creditors name, the amount owed, and an itemized breakdown of all charges, interest, and fees.

2. Proof of Assignment A legal contract of assignment demonstrating that you have the legal right to collect this debt. If you are not the original creditor, provide a chain of title showing how the debt was transferred.

3. Executed Agreement A copy of the original signed contract where I agreed to this debt, proving my legal obligation to pay.

4. Your Debt Collection License Proof that you are legally authorized to collect debts in my state, including a copy of your business license and any relevant bonding requirements. 

Until you provide the requested validation, you must cease all collection activities under federal law. If you continue to report this alleged debt to credit bureaus or attempt further collection efforts This letter serves as a formal Cease and Desist demand pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and a Debt Validation Request under 15 U.S.C. 1692g ( b ).

Cease and Desist Effective immediately, you are to cease and desist all forms of communication with me regarding the alleged debt associated with Account XXXX XXXX This includes, but is not limited to, phone calls, letters, emails, or any third-party contact. Failure to comply will be considered a violation of my rights under the FDCPA and may result in legal action against you.

Debt Validation Request without proper validation, I will pursue legal remedies, including complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

This demand is non-negotiable. I am sending this letter via certified mail with return receipt to document your compliance. Failure to adhere to federal law will result in legal consequences. 

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

Issue with : Equifax only Date : Ongoing Problem : Equifax has not updated my credit score or credit report since 2012. My Equifax credit score is 90 points lower than the other two major credit bureaus. I can not dispute or ask Equifax to update my credit report because their website stonewalls me, claiming I give them incorrect contact information. The same information works correctly with the other credit bureaus. 

Detail : When I attempt to access my credit report with Equifax, they tell me that my contact information doesn't match their records. This leads to an infinite loop : I try to update my contact information, and that yields an error message because my information doesn't match their records. 

My credit monitoring service shows that Equifax 's records for me stopped in 2012. 

I've tried using my contact information from 2012. That doesn't match their records. 

I've tried having them send a contact information update form via. post. Some weeks later, a letter from Equifax arrived. The letter states that they can not provide an information update form by post because my information doesn't match their records.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this ITEMS. 
XXXX OF XXXX XXXX BALANCED {$140.00} XXXX OF XXXX XXXX BALANCED {$330.00} XXXX XXXX BALANCED {$0.00} XXXX FIN XXXX XXXX {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX