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

M & T bank merged with Peoples Bank last spring. Peoples Bank never charged people service fees- now M & T by default has moved former customers to this account and it incurs a monthly service charge if a minimum balance is not kept. There was improper notification of this, and it feels as though its an attempt to take money from clients deceptively in hopes they wont notice the withdrawal, a beach of fiduciary duty.
Product: Credit card

There are overcharges on my account. XXXX has not paid the vendor XXXX XXXX XXXX but continues to charge me. In addition, the charges are not valid because I have overpaid the vendor. The vendor is in agreement, there isn't a disagreement between vendor XXXX XXXX XXXX and me. XXXX XXXX XXXX agrees I have overpaid them but XXXX will not reverse the charges or contact the vendor. Please see attached
Product: Debt collection

Last year, I had a Bank of America business credit card which became delinquent. I was never notified of this fact and they removed the card ( along with my ability to p ay ) from my o nline banking with NO notification whatsoever. I started receiving calls asking me to verify my account, which I would n't do because it sounded like a scam. I had spoken to them prior and told them I was out of work but would make payments when I could ( seeing as I 'm a 20 year customer, I figured they would be human about it ). This is when they removed my account, even though I was actively making small payments to it. When I called to complain, they said that it is their policy to remove delinquent accounts. NO notice was ever sent. I emailed  XXXX   XXXX  the  CEO several tim es telling him I want to make payments, but I need to do so online and not on the phone when some random operator calls me expecting me to give them my account info. He had someone named  XXXX   XXXX  call me and I explained I was trying to pay but need my account back. She said not, it is n't their policy, then they confiscated {$1300.00} from my account without my permission. When I filed the last complaint, they responded saying they could n't find my account, and apparently the case was closed. They ca n't even find my delinquent account but I 'm supposed to give my info over the phone? They never notified my of any of this.
Product: Money transfer, virtual currency, or money service

I am filing a complaint Against Cash App ( Block.Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Transfer Fraud Act ( ETFA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

My account was opened on or about XX/XX/XXXX under a promotion for {$400.00}. All promotional terms were met and the opening promotion was due XX/XX/XXXX. It is past due and the customer service rep could not advise when it would post.
Product: Credit reporting or other personal consumer reports

Transunion has been reporting inaccurate information on my credit reporting requested for accounts over the last 2 years to be removed and the bureau has failed to provide not only accurate information on my report but also accurate about these accounts according to the Federal Credit Reporting Act. 

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

The time period in question was XX/XX/XXXX and XX/XX/XXXX. Covid pandemic in progress. 

Mortgage payments due on the 1st of the month. My bank is stating that I missed 2 mortgage payments. This is reflected in my credit report. 

XX/XX/XXXX - regular mortgage payment of {$1100.00} paid. No problem here. 
XX/XX/XXXX - mortgage payment of {$1200.00} paid. I thought I paid more than needed. I did not realize my bank raised my mortgage payment to {$1200.00}. The bank labeled this as a missed payment. 
XX/XX/XXXX - mortgage payment of {$1200.00} paid. I thought I was paying the correct payment on time. The bank labeled this as a missed payment because {$60.00} of it needed to be applied to the XX/XX/XXXX payment. 
XX/XX/XXXX - mortgage payment of {$1500.00} paid. No problems here, more than enough paid to cover changes in mortgage, etc. 

I do not feel that being labeled as having 2 missed mortgage payments fairly reflects my situation. If the bank had reached out to me to let me know there was a problem, I would have corrected it right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my bank lender that I was not approved for a home equity loan because of items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX # XXXX, XXXX  XXXX  XXXX, XXXX, XXXX  XXXX, XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am refiling this complaint to EQUIFAX for allowing the fraudulent accounts on my credit report. I filed an FTC report, with the identity theft report number XXXX. As I checked my credit report these fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA XXXX and CFPB rule on medical collection.I have again attached the FTC report together with the letter of explanation for the reasons why these accounts should be corrected or deleted from my files.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX i send a letter to the creditor and credit bureau stating the issues. What they sent back was payment history and validation of debt and they did not fix the inaccurate information on my report which is lowering my credit score and holding me back from purchasing a home. They are showing 30 and 60 days late on my report for XX/XX/XXXX and XX/XX/XXXXbut on the statements which i am attaching here it shows XXXX due and XXXX past due for these months. i will either the 30 and 60 day late removed from my report and it show never late or the account be deleted from my report all together here is a copy of the letter i sent the creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Dear creditor, I would like to start a new investigation regarding the account listed below : XXXX dont recall being late. 

Your company has reported me late to all three credit bureaus. When I checked my credit reports, I noticed the late status. I disputed this with the credit bureaus, and your company verified it. I dont recall being late. Please provide me with all documentation that you have proving that I was late on the days that you reported to the credit bureaus.I have attached an XXXX statement reading that I owed {$0.00} in XXXX and there was nothing past due. This account should have been fully paid off by my GAP insurance and there should be no balance. Please fix this. 

According to the FCRA and FACTA, I have a right to dispute this account directly with your company if I feel that your reporting is inaccurate. In addition, court case opinion No. XXXX XXXX by the US Court of Appeals XXXX XXXX, XXXX XXXX XXXX XXXX, creditors must investigate and make sure their reporting is accurate. I also have the right to bring a suit against your company if you violate any of the laws above. 

30 days is the allowable time according to the law. 

I await your response.
Product: Credit reporting or other personal consumer reports

Notice of pending litigation seeking relief & Monetary Compensation under FCRA 15 US CODE 1681n Civil liability for willful Noncompliance & 15 US CODE 1681o Civil Liability for Negligent Noncompliance & 15 US CODE 1692k Civil Liability. 15 US CODE 1681c-2 A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT, NOT LATER THAN 4 BUISNESS DAYS AFTER THE DATE OF RECEIPT.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX reported a credit inquiries to my credit report as a hard inquiries which have effected me negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

This past Spring of XXXX I began the process of applying for a mortgage to buy my first home at the completion of my extensive years-long medical training. Upon applying for the physician mortgage, I was denied due to my inadequate credit score of XXXX, failing to meet the minimum of XXXX. This also precluded me from qualifying for a conventional mortgage due to my credit history. The only derogatory account on my credit report dated back to a Bank of America credit card ( with a limit of only {$5000.00} ) that I opened in medical school to pay for travel in XXXX related to applying to and interviewing for residency, a mandatory post-graduate training requirement. The card was slated to expire on its own in XX/XX/XXXX and was paid off in full by XX/XX/XXXX with the balance reaching {$0.00}, having never missed or delayed a payment. Evidently, an annual fee of {$25.00} was charged to the account in XXXX or XXXX of XXXX and I overlooked this, given that the account was paid off, no longer in use, and set to expire in the coming months, and thus no longer on my radar. Unfortunately, I did not recognize this oversight until XX/XX/XXXX when I received notice the credit balance had been reduced on the card due to my failure to pay the pending balance of {$56.00} ( after additional late fees were charged ). I paid off the balance immediately and closed the account as quickly as I could that same month. 

When I applied for a mortgage in May of this year, this months-long failure to pay remained on my credit history ( despite being more than 48 months old ) and significantly impacted my credit and ability to qualify for the much more competitive rates of the physician mortgage. More egregiously, when I called Bank of America to address and clear this history, I was told by multiple people at multiple levels of their ranks that there was no record of my ever having an account with them and was told there was nothing they could do to correct this issue. I have since had to submit petitions with the credit agencies outlining all of the above in an effort to correct my credit history. This behavior on the part of Bank of America has significantly impacted my credit standing and the lending options I had available in purchasing a home. Given the significant difference in interest rates between the physician mortgage I was pursuing and the mortgage I ultimately qualified for, this may well cost me multiple tens of thousands if not hundreds of thousands of dollars over the lifespan of the mortgage, all due to a lingering unpaid fee of {$25.00} that arguably should not have been charged to the credit card account in the twilight of the card 's existence. In addition, Bank of America 's failure to correct the issue with the credit bureaus or rescind the derogatory account after 48 months is unacceptable and predatory.
Product: Credit reporting or other personal consumer reports

I am previous victim of identity theft. My data has been exposed in multiple disclosed breaches and found on the dark web. There are multiple unknown, unauthorized inquiries on my Transunion report that I did not authorize, nor do I have any knowledge of. In each of these instances no new account was opened in my name. I have previously raised these concerns multiple times, in writing, to Transunion via their written dispute process, and directly in writing with each company, yet, no sufficient investigation has occurred.
Product: Debt collection

I am writing to formally dispute and express my dissatisfaction with a collection account that has been placed on my credit report XX/XX/2023 by : I C SYSTEMS Collection agency. I recently discovered the presence of this account on my credit report, and I believe there has been an error or misunderstanding leading to its inclusion. I called original creditor they said call the collection company but didn't get anywhere. I request an immediate investigation into this matter and the removal of the collection account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan that I was approved for on the spot. I was told to sign and was not given any time to read over the paper work, that was several pages long. I was given money and when it came time to pay it was an amount considerably higher than what I borrowed, when I called to work it out with  XXXX   XXXX  they told me I signed so I have to pay.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX # XXXX is a fraudulent account I never opened this account nor did I authorize anyone to open this account XXXX XXXX {$1400.00} is fraudulent I also have 3 child support cases that are in forbearance as well as litigation I asked to have these deleted off my report until after the litigation was done 2 of the accounts are the same accounts Please delete them
Product: Credit reporting or other personal consumer reports

I am formally disputing fraudulent charges reported by XXXX  XXXX XXXX on my credit report. The account in question reflects unauthorized transactions that I did not make or authorize. Under my rights provided by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request that Experian conduct a thorough investigation and verify the accuracy of this information with documented proof, not simply an automated verification process. 

Additionally, under 15 U.S.C. 1681s-2, XXXX XXXX  XXXX , as a furnisher of credit information, is legally required to provide accurate and complete data. Given the recent enforcement action by the Consumer Financial Protection Bureau ( CFPB ) against Experian for failing to properly handle consumer disputes and verification procedures, I demand that Experian provide a detailed explanation of the method used to verify this disputed information.

Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ), I request : 1. A description of the procedures used to determine the accuracy and completeness of the disputed information. 
XXXX. The name and contact details of the entity that verified the disputed charges. 
XXXX. Copies of any documentation relied upon for verification. 

If Experian is unable to properly verify the legitimacy of these charges within the 30-day period required by law, I request that this fraudulent information be permanently deleted from my credit report per 15 U.S.C. 1681i ( a ) ( 5 ). 

Enclosed, I have included copies of police report. Please provide your response in writing. 

Thank you for your prompt attention to this matter. I expect full compliance with federal law and look forward to your resolution of this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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: Debt collection

I am not liable for the debt with XXXX XXXX. I do not have a contract with SUNRISE CREDIT SERVICES. They did not provide with the original contact as requested. I believe I was a victim of identity theft as I dont and never had revolving credit. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Failing that, the item must be deleted from my credit report as soon as possible as I am not liable for the debt with XXXX XXXX I do not have a contract with SUNRISE CREDIT SERVICES either. I did report to the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM DISPUTING MY ACCOUNT WITH EQUIFAX FROM LAST 1 YEAR. THEY ARE REPORT WRONG DATA ON MY REPORT FOR XXXX XXXX XXXXXXXX ACCOUNT. 
DATE OF LAST PAYMENT IS WRONG. 
CLOSED DATE IS WRONG. 
THEY VIOLATED MY RIGHTS Delinquency First Reported XX/XX/2019, WHICH IS WRONG I PAID AS AGREED IN XX/XX/2019.
Product: Bank account or service

I autopay my Citi credit card online and changed the bank account for them to withdraw the funds. I have an email confirming the new account change, yet the following month, Citi withdrew funds from my previous account, which no longer had any money in it, causing me huge fees and penalties! They refused to accept responsibility for their mistake and want me to pay those fees and penalties. I 've been trying to resolve this dispute for the past few weeks and they keep pointing the finger at my previous bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Police report made regarding XXXX XXXX XXXX also in correspondance with XXXX XXXX. Fraudulent reporting. Needs to be removed from all 3 credit bureaus.
Product: Debt collection

Wakefield and associates place the collection on my credit report approximately XX/XX/XXXX I did not recognize this and sent them a letter stating that I was a victim of identity theft and I also reported it to the credit bureau which was XXXX XXXX and XXXX it was removed from my credit report due to identity theft and several weeks later it was placed on again I reported it again is identity theft and it was removed as of XX/XX/XXXX it is back on my credit report again reporting with a different account number after they know that this is identity theft and I am a victim of identity theft and I have sent them documentation stating that I am a victim of identity theft
Product: Mortgage

I applied for a mortgage from Navy Federal jointly with my wife at the beginning of XX/XX/2021. We went under contract for the purchase of a home on XX/XX/2021 the contract was sent to the mortgage lender on the same day via email. The closing date on the contract was XXXX XXXX. I did not receive any contact from Navy Federal until 5 days later when a XXXX XXXX envelope appeared on my front door. It contained all loan documents with a locked in rate WITHOUT ever being sent a loan estimate and agreeing to lock in the rate. Finally I was able to reach my mortgage lender and he never admitted to his mistake and said the rate was locked in and there was no way we could get better rates. I took it upon myself to apply for the same loan again on XXXX XXXX but without my wife to see if I could get a better interest rate which I did by .75 %. I then had a new loan officer per my request after the terrible experience with the original loan and after all documents were submitted ( so I thought ) the loan was transferred without my knowledge to a now 3rd officer. It was the first week of XXXX when we had asked for the appraisal to be scheduled. It was scheduled for Thursday XXXX XXXX. During the week of XXXX I received no document requests or contact at all from the new Loan officer. We then heard back from Navy Federal during the next week of XXXX that they could not contact the Appraisal company. Until finally on Friday XX/XX/2021 the Appraiser contacted Navy Federal and said he couldnt do the appraisal because his wife was sick. I had made sure to ask my loan officer if everything was done other than the appraisal and she assured me it was. We had to write an addendum to the sale contract to extend closing to Thursday XXXX. On Monday XXXX the appraisal report was finally reviewed and approved by Navy Federal but it happened around XXXX XXXX XXXX XXXX so they couldnt get the file approved for a Thursday closing date. Then I had to reach out again on Tuesday XXXX to my loan officer to ask the status of the loan and she said they had questions about our rental property which I had clearly explained in the application process that the tenants were moving in XXXX XXXX and I had submitted a copy of the lease agreement. They also had questions about an allotment on my paycheck which went to an investment account. Which they also had statements for. So basically it sounded like they didnt even begin reviewing documents until the Appraisal was final. Now we have to again ask the sellers to extend closing even further to the right. During the time after our original closing date of XXXX we have been forced to stay in hotels until we could close. Our experience with Navy Federal has been horrific and I will never bank with them again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account showing collections from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX XXXX on my XXXX credit report that has been removed from XXXX and from XXXX because it is on my report by a complete mistake. XXXX REFUSES TO REMOVE WHILE ALL OTHER CREDIT REPORTING AGENCIES HAVE FIXED THIS MISTAKE. Im not sure if this is because of breach of my personal information, because i was one of millions that was violated by this. I have not paid for there credit score services. Could this be the reason they are not fixing this mistake? XXXX WILL NOT REPAIR MY CREDIT REPORT, and I have disputed this account three time over the past 6 months. PLEASE HELP!!!
Product: Credit reporting or other personal consumer reports

upon running UCC-11 certified search of my name it has come back that I have no debt, so I check my credit report and I there is a lien/debt in my name being furnished by XXXX XXXX card services fraudulently !!! account # XXXX, open date XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

A bankruptcy chapter XXXX was filed and discharged sinceXX/XX/XXXX and still showing in my credit report. 
As a chapter XXXX should be out of my report in seven year, asXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my right under 15 USC 1681 section 6 o 2 states I have right to privacy ( 15 USC 181 ( section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. 

This is for my XXXX XXXX Account