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

Sent this email to Regions Bank on XX/XX/XXXX I am writing this email in hopes that my bank will be following the lead that several other banking institutions are doing as it pertains to NSF fees. Its my understanding that based on an ongoing investigation by the CFPB regarding excessive fees charged some banks are updating their policies. These updates will reduce fees and give people an opportunity to bring their accounts current in a timely manner. 

I think I am a perfect example of a customer who has been loyal for years and yet see constant fees that I really cant afford for either minimal over drafts or multiple small amounts causing lots of fees which in turn those fees compound the negative amount causing additional fees. 

During XXXX my checking account was charged {$3600.00} in NSF fees. As you can see from my account I live paycheck to paycheck raising and educating XXXX kids can do that. I never overdrew my account for frivolous reasons I can understand your banks need to make a profit. 

Thank you for reading my concerns, I look forward to hearing from you. 
Acct number xxxx They did respond by phone a few days later stating that they were in the process of updating their policies and fees because of recent issues in general. The lady I spoke with said she would refund {$140.00} to my account as a sign of good faith, which was nice but no where near the amounts I paid and in allot of situations for a {$2.00} charge that over drew my account they charged {$36.00} and then as fast as I could deposit the fees would continue to be charged making the amounts some months over {$300.00} for me only being over drawn by a few dollars. They have continued this practice during XXXX and I've been charges several hundred dollars again, most recently for being over drawn {$30.00} I was charged {$72.00} and then my deposits could cover more fees. 

I called today ( XX/XX/XXXX ) to see if they could help in reversing the {$72.00} and I was told that now you get 1/2 of a few refunded over the life of an account and I had exceeded that {$18.00} refund amount. I just don't know how the bank continues to charge such high fees knowing that in the economy for the last 18 months, most of us have been struggling. Regions Bank should not be continuing to do this, and should have offered to refund more than {$140.00} after I've paid them almost {$4000.00} in NSF fees in the last 18 months.
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 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 I looked at my Equifax 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 generallf, 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 suppose 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: Checking or savings account

Arvest Bank refused to honor the details of this promotion attached below. I met all the requirements and they vehemently refused to honor the promotion even though the terms and conditions were met on my side. I've escalated this issue to their higher ups to no avail. They've placed tickets on my behalf only to not receive the promised credit or phone call.
Product: Credit card

At XXXX XXXX XXXX, I called Capital One customer service as listed on https : //www.capitalone.comXXXXXXXX XXXX XXXX XXXX to inquire about why my account showed an interest rate of 30.74 % instead of the promotional 0 % offered to me when I applied for the credit card ; I also offered the sign-up spending bonus of {$200.00} after spending a minimum of {$500.00} within the first 3 months of opening an account. 

I was then told by customer service that neither promotion was applied to my account, with no specific reason given. The terms on the website state that the promotional credit is offered when clicking Apply Now through the website, which I did. 

This promotion directly influenced my decision to apply and use this credit card, so not receiving it as promised is problematic.
Product: Debt collection

My mom passed away in XXXX, and her single family home was distributed to myself and others. Before passing away, XXXX XXXX  XXXX filed for foreclosure in XXXX, alleging that as of XX/XX/XXXX {$130000.00} was owed on the account. The court later dismissed the action around XXXX of XXXX. In XXXX the co-borrower on her loan filed for bankruptcy as a second foreclosure was filed. A new lender was appearing making a claim for an outstanding balance, but was forced to stay its action due to the bankruptcy filing. In an effort to have the federal stay lifted, a motion to lift the stay was filed and a statement of the account was provided which reflected a credit posted to the account in the amount of {$130000.00} on XX/XX/XXXX. This is the exact amount due and owing to XXXX  XXXX XXXX in the XXXX foreclosure action that was later dismissed. 

The loan belonging to XXXX XXXX ( deceased ) was paid off, but never satisfied on the record and never replaced with a new loan. During the Bankruptcy Rushmore XXXX XXXX offered a modification on the satisfied mortgage to the co-borrower, XXXX XXXX XXXX as the borrower and Rushmore Loan XXXX as the Lender. XXXX XXXX XXXX signed as the Borrower and Rushmore Loan XXXX  Signed the modification as the lender. Neither XXXX XXXX XXXX nor XXXX XXXX Servicing had authority to modify the mortgage and note as XXXX XXXX had quit claimed his interest in the property to XXXX XXXX XXXX and Rushmore Loan XXXX is not a lender and did not lend XXXX XXXX any money. Despite the fact that Rushmore is not a lender, the modification signed By XXXX XXXX of Rushmore, is being used to collect on a debt that is not owed against a property that I and my siblings and father gained title to after the passing of XXXX XXXX XXXX. 

Rushmore allowed its false modification to be presented both Federal and State Court in an attempt to foreclose on my property rights for a debt that is not owed.
Product: Checking or savings account

I closed XXXX XXXX XXXX XXXX notes in XXXX. Notes administered by Northern Trust Bank. 
XXXX XXXX Northern Trust notified me recently- in XXXX, XXXX years after account closed - of a balance due to me of {$9.00}. 
I completed form for Northern Trust to send me the {$9.00}. 
They sent me form a second time with requirement that form be notarized by notary public. 
I am at the same address. No change in identity, address, anything else related to account that requires notary. This is stupid obstacle to bank returning balance to me. 
I called to complain, They will not send me the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX XXXX XXXX, and and incorrect name reporting XXXX XXXX, and multiple addresses. 
This has caused me tremendous XXXX XXXX, and financial hardship.
Product: Debt collection

My primary concern is the account mentioned below, which is incorrectly listed as a late payment account. I urge you to provide concrete evidence of this account being late, and if such evidence is not available, kindly remove the negative payment status associated with this account from my credit report. I take this matter seriously, and I expect a thorough investigation into this dispute, as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. XXXX XXXX XXXX XXXX. I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps.
Product: Debt collection

The dates and name on the account are incorrect the debt collector removed the item from my report then a couple weeks later put it back on my credit i have screenshots and proof also when i called and spoke with agent they assured me that the item was going to be removed and its still showing up on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian investigated the following listing, XXXX XXXX XXXX VA XXXX XXXX ..., on my credit report. 

Upon completion of their investigation, they deleted the referenced item. 

I was notified of the investigation and subsequent deletion. 

XXXX continues to list the item, XXXX XXXXXXXX XXXX VA XXXX XXXX ..., claiming the information is still being reported and/or provided to them by Experian.
Product: Credit card

I contacted XXXX XXXX XXXX which is associated with Cinch back in XX/XX/year>. The gentleman I spoke to to cancel my warranty could not even find my information in the system and was unable to help me. I called again and and requested my warranty be canceled. i wrote letters to XXXX XXXX card and XXXX XXXX XXXX, finally I received an email stating that as of XX/XX/year> the warranty was canceled. I continued to receive bills from XXXX XXXX for the warranty. I again requested the bills to be stopped. I filed disputes with XXXX. As of this date and time I am not getting any resolution to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information  ( A ) In general If, 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 This account needs to be deleted immediately!!!

This is my last written request for the inaccurate information to be delete by law.

I submitted my dispute for the removal of an innacurate account.The account is XXXX. The account IS also furnished by the same creditor so why is all the provided data different? It shows different date of last payment as well as late payments showing up until XXXX which isn't accurate on a charged off account. There are no more payments so why is it showing late payments still? By law the bureaus are required to report consistent and 100 % accurate and you have failed to do so.
Product: Student loan

I applied for the SAVE application through the FSA website as instructed. I approved the IRS form submission for income verification. After about 10 days I called Nelnet on XX/XX/XXXX and was on hold for XXXX hour and XXXX minutes before speaking to a representative. When I did speak with them, I asked what the delay was in processing the application. I was told I needed to submit a recent paystub to verify income. The representative told me a message/email was sent regarding this verification request, but I have not received any sort of notification. 

Once I submitted my recent paystub through Nelnet 's document portal, I was instructed to pay a {$5.00} transfer fee to be removed from the IBR plan. I have now paid this {$5.00} fee twice, once for {$5.00} on XX/XX/XXXX and another {$4.00} on XX/XX/XXXX. As of today ( XXXX ) I am still getting a popup notification when I login requesting that I must pay another {$5.00} in order to process the SAVE application. 

Currently my listed repayment amount is {$650.00} due on XX/XX/XXXX. My account is still accruing interest even though it has been assigned " Idr Proc Admin ''. According to the website currently, my " Payments will begin in XXXX, XXXX.Your payment amount will be shown on your statement three weeks before your due date. '' Which is XX/XX/XXXX I have no way to know if the application is currently being processed correctly because of lack of communication, and have no way to reasonably plan what to pay when the due date comes until only XXXX days prior. Which is not enough time if the XXXX estimated payment plan is somehow different from the actual repayment on XX/XX/XXXX. 

Yet the FSA website is telling me my payment should be around $ XXXX over XXXX  month ago.
Product: Debt collection

Dear XXXX XXXX XXXX XXXX  Account XXXX I am writing to formally dispute the validity of the debt referenced above, which you claim I owe. I request that your office provide me with full validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Please supply the following information : XXXX. XXXX of the amount owed, including a detailed account of the principal, interest, penalties, and any fees that have been added. 

XXXX. The original name and address of the creditor to whom the debt is owed. 

XXXX. Copies of any agreements that show I agreed to the debt in question ( e.g., a signed contract or credit agreement ). 

XXXX. A complete transaction history or statement to substantiate the legitimacy and amount of the debt. 

Furthermore, if this debt has been cancelled or forgiven, in whole or in part, such that you are required to issue a XXXX form per IRS regulations XXXX I request that you provide a copy of the form. Cancellation of debt should not be reflected as an amount owed if it has in actual terms been forgiven and reported to the IRS. 

Please consider this letter a written dispute as permitted by the FDCPA. Upon receipt of this letter, please cease collection activities until the debt has been validated, as required by law. 

I appreciate your prompt attention to this matter and look forward to receiving the documents requested. Please reply in writing at the address provided. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have listed all the problems on the attached documents. It includes wrong interests and fees, discriminations with APR changes, no notices of change when appropriate, breach of contract due to privacy, and credit reporting. The company has accepted responsibility for the errors, but they are not ready to take responsible for my recovery from the damages I have suffered as a result. I feel very discriminated against and harassed.
Product: Credit reporting, credit repair services, or other personal consumer reports

i see a hard inquirie of credit technology showing on XX/XX/17 on my report that i never made request of nothing related to this and or similar company, try to contact then and they said to dispute a as non request iten ... thats the reason that iam little upset, because i trying to work out on my credit situation and unfortunately things start to pop out
Product: Mortgage

Harassment, unnecessary calling, threats of foreclosure, rude phone conversations, all regarding mortgage payment or late payments.
Product: Mortgage

I entered into a forbearance plan during COVID due to job loss. I am now making payments again and have been for 90+ days. I applied for the homeowner relief program ( NC HAF ) and was approved, pending award. I have followed up with Flagstar Bank ( mortgage company ) and NC HAF repeatedly. Ive contacted HUD as well. It has taken months to process the application, and now its been weeks with no progress on the payment to Flagstar. Flagstar is pushing me to renegotiate my loan ASAP but I want to wait on the homeowner assistance program because I am approved and need that help. If I accept through Flagstar, I can not get the assistance. Neither parties are speaking to each other and I have to have a resolution by XXXX. My home depends on this. Thank you in advance.
Product: Debt collection

I have tried for over a year to resolve a debt that is not mine. 
XXXX XXXX associates of XXXX XXXX, XXXX : XXXX XXXX in XXXX, New Jersey has been dunning me through " ARS ", Account Resolution Services, XXXX. XXXX XXXX XXXX, FL XXXX. 

This debt is from a fall I had on the unshoveled, icy sidewalk in front of XXXX. ( XXXX XXXX  XXXX ), in XXXX, New Jersey, where I was in lockdown, as a ward of the New Jersey XXXX XXXX XXXX and indigent. 

I refused medical attention and then they strongarmed me to XXXX XXXX, XXXX XXXX XXXX, XXXX, New Jersey XXXX. 

They took one x-ray and that's it. I was back in custody in less than an hour. No medication was given or prescribed. 

Their invoice is for {$650.00}. 

XXXX, as an entity attached to the XXXX XXXX XXXX is totally responsible for the debt. 
Can you please have this cleared up and removed from my credit report ; as I am trying to buy a house and this is the only mis-directed Billing negative on my credit report. 

I've tried and tried to contact both ARS and XXXX XXXX ; with never a response ; except the dunning continues. 

Please try to expedite this, As it is hampering my forward progress from their mis-directed Billings. 

Thank you, XXXX XXXX XXXX ( text only, please, as I am deaf. 
Or my email : XXXX XXXX
Product: Debt collection

This company calls me numerous times a day ( at least XXXX ) ..they have also called my work XXXX times daily, they have been told several times not to call me at work because im not able to receive personal calls, and they continue to call. If I do not answer they start calling from a blocked number.
Product: Bank account or service

I'am filing a complaint because of what I feel is predatory and misleading fees charged to my small business account with BB & T . A little more than 1 year ago, my local bank Susquehanna located NJ was taken over by BB & T. Since then I have been getting attacked with fees and charges on my account which Susquehanna never charged. I recently closed my account due to a XXXX charge which turned into {$66.00} in just one week. 

Here is what they do and how it works. BB & T charges your account {$2.00} if you do not take your money out of a BB & T account. In some cases this may exceed a 50 % charge to get {$10.00}. ( XXXX from the ATM machine and XXXX from BB & T ) There are some machines which charge XXXX to take your own money out like the local XXXX store using XXXX. So here is the latest which happened last week. I took a remaining {$40.00} out from my account leaving a balance of XXXX cents in my account. The next day i was charged {$2.00} and an additional XXXX for an overdraft fee. They then charged me approximately XXXX dollars per day for each day the account remained negative. 

I 'm not perfect and I have paid overdraft fees with this bank before, but to allow me to take money for which the very next day they will be charging me an overdraft fee is beyond dishonest. If they need the XXXX, then my available balance should be reduced in order to cover their fee. But by doing this they have become the most dishonest bank in New Jersey. It is my belief they are aware of this dishonest practice but like most large conglomerates the fines will be worth the income to their bank. Please investigate this and let me know if there is a class action lawsuit filed as I would like to get my money back. This is not the first time they did this and I had to learn the hard way how cynical they have become with this practice. 

Thank you in advance XXXX
Product: Checking or savings account

I am writing to formally file a complaint against RBFC Bank regarding the mishandling of my personal account ( Account Number : XXXX ). The circumstances surrounding this complaint involve unauthorized stop payments, associated fees, the loss of critical services, and the bank 's failure to address the issue promptly and adequately. 

I. BACKGROUND : On XX/XX/2023, I contacted RBFC Bank 's Asset Protection to report fraudulent activity on my personal account. I was informed by the fraud department that a stop payment was supposed to be executed solely for the fraudulent transaction in question. 

Contrary to the information provided by the fraud department, on XX/XX/2023, I discovered that RBFC Bank had initiated stop payments for all transactions linked to my personal account, not just the fraudulent one. Furthermore, the bank charged me fees for these unauthorized stop payments, of which I was neither informed nor had provided consent. 

II. DAMAGES INCURRED : As a direct consequence of RBFC Bank 's actions, I am now unable to write checks to utility companies, pay fees associated with other bills, and make my mortgage payment without incurring additional fees and restrictions. I now have to use secure certified funds for payments which makes matters worse. 

On XX/XX/2023, a customer service representative acknowledged the error and apologized and stated it should have only been stop payment toward the fraudulent purchase I reported and not all transactions entering and leaving account. They also turned off my debit card which caused sever conveinience as not only i had to wait for another debit card, I had to contact vendors i owed financial obligations to to explain, cancel card as payment and assign another card. All while I had no other card to assign while awaiting for the new card. I did not request a new card. Now they have me two personal accounts open. No new card for my original account, due to ADA disabilities its confusing to keep up with. The bank is unresponsive f providing documentation to acknowledge the error. I wish to seek out another bank for services. The representative mentioned that there should have been only a notice in my account highlighting the fraudulent activity and associated vendors. Additionally, the bank issued another card without my request and opened another account, which has caused restrictions and issues with multiple vendors, including XXXX. This isn't including all fess they charge for overdraft when you are acting as fudiciary of my account and should not be charging these. I am no longer authorized to use checking account or card information for payment as well.