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

US Bank has charged over {$4000.00} in fees to my account in 2019. I asked them to 1 ) refund / waive the fees or portion of the fees to my account and 2 ) adjust the account so there is no curtesy coverage for when the funds go into a negative ( return the payment do not honor if it brings my account into a negative ). 

US bank assessed fees and other costs even when they plain returned the payment and did not honor it. As other times, they haphazardly honored certain transactions but dishonored others. There is no steady service in this regard as they never know what payment will be honored and what payment will not be honored. Regardless they always charge fees and I suffer damage. 

So, I asked to evaluate the fees total of {$4000.00} for 2019 and make remedies but no response as of now. 

My account does not deposit more than {$4000.00} into the account on monthly basis and often less than {$4000.00}. I believe {$4000.00} a year in fees assessed against such a small account works to shut down my business as a sole-proprietor as it is excessive. Need your help addressing the issue and figuring out the motifs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted XXXXXXXX XXXX XXXX XXXX XXXXXXXX and XXXX numerous times via phones calls, emails, usps mail and faxes requesting they send me a copy of the original bills, explanation of benefits received and a copy of documents showing I signed as guarantor of alleged services below. Additionally, I asked for the services listed in attached letters which they charged for services I never received be removed as well as requesting they delete all of the duplicate charges listed in attachments. I also ask them to validate each debit with validation from XXXX and to date they only have sent me copies of XXXX XXXX XXXX XXXX statements in which the account numbers do not even match with my creditor account numbers. I disputed all of this with XXXX and have been told by their representatives that they will continue to damage my credit by reporting the debt over and over again each month which they do, sometimes twice a month. The information they are reporting and the amounts reported that Im responsible for have not been validated and just as they say they will continue to ruin my credit by repeatedly reporting false information. # XXXX {$490.00} charged for some services not received. This was due to a fall while at XXXX. Ive a claim form several times as I was injured on your property. I never received claim form. This shouldve been billed to your property general liability ins Im not responsible. # XXXX {$1300.00} double billed for several items. Requested original billing & med recs showing date & time of each service, no response to dispute requests. # XXXX {$980.00} gave XXXX full divorce docs, ex-husband resp for XXXX all XXXX  bills. Ive been billed & paid 100 % when I was only responsible for XXXX except this bill. I asked XXXX for copy of EOB ( ex-husband coverage I have no access to EOBs ) pre-auth letter, original bill & all docs signed, no response. As of XX/XX/2022 they reported these 3 accounts as new collections on my credit reports. They will report this as new which it is not but they will not respond to me regarding these incorrect bills nor will they provide me with validation of this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am on XXXX  military duty status. I have rights under 15 U.S.C 1681. XXXX is govern by 15 U.S.C 1681. They have violated my rights numerous of times. I demand the accounts listed below be remove because according to 15 U.S.C 1681 : I have the right to privacy and i did not give Transunion written permission to furnish these information 1. Inaccurate Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. Inaccurate Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Inaccurate Employer XXXX XXXX XXXX
Product: Debt collection

I just discovered today that I C Systems XXXX has placed a derogatory account on my credit report that is not mine. The debt came from a medical facility, XXXX XXXX XXXX. I have never taken a pet to that hospital for any reason or any services. By law businesses and the credit bureau are supposed to verify and validate any information they add to a consumer 's account. No one from this establishment has ever contacted me to verify If I am the person this debit belongs to. Ive recently added a fraud alert on my account due to my social number being exposed. Seems someone has compromised my personal Information.
Product: Money transfer, virtual currency, or money service

This involves Paypal. They are insistant I have an account with them and I DO NOT. They will not leave me alone, keep sending me documents that I have no idea what they are. Please, I want them to leave me alone and investigate themselves as I feel someone has used my information for their purpose. I do not have an account or account number for them.
Product: Student loan

I am a member of sweet and cardonna full class and all of my loans payments should be refunded but they have not been refunded. They state they are waiting on my payments from my services but they were my servicer prior to my loan consolidation and I have sent them my payment information from the student aide web and requested a copy of all my payments and refund of those payments as required by the class action settlement agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, I am writing to request the removal of a late payment from my credit report. The account in question is XXXXXXXX XXXX. 
I have recently become aware that this account has been reported to your agency in violation of the Metro 2 credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the XXXX code.
Product: Credit reporting or other personal consumer reports

This is not my account. I'm disputing this because this account or a part of a data breach which my XXXX XXXX XXXX was stolen. Please remove this account. as I am a XXXX XXXX XXXX XXXX due to a data breach I have never authorized this and have never had any agreement with or done any business with this company.
Product: Credit reporting

I have disputed this several times as it is being listed incorrectly. I have had a very hard time getting information as to why this is on my account. It does not list creditor or who filled complaint with the court. It just says XXXX and a release date of XX/XX/XXXX. This item is so vaguely listed and has an incorrect release date, considering that this was paid in XXXX. In XXXX, I was notified by XXXX that I owed them money for an over payment of benefits. This was paid in XX/XX/XXXX, I have attached receipts of payment from XXXX. 

This account was deleted by both XXXX and XXXX because this account is incorrect and should have never been reported on my credit report. This was clearly paid in XXXX and needs to be updated or removed immediately. I am being denied a mortgage because of this incorrect item.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Debt collection

This company Chase, reaptedly calls my home phone ( XXXX ) between the hours of XXXX to XXXX everyday.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I was late on one payment. Called my loan care to get options. They said I have none. Called again they told me I could do a trial loan modification. Started the process. Was told I would need to pay 3 months and it wouldnt affect my credit score. Also that I could choose to not do it at the end. After 3 months the company went silent did not respond to my calls or email or inquires for help about next steps. Then was told I failed to make 4th payment and have to start over. Called over 5 times looking for call back from manager no responses. Covid hit was told I had to go in forbearance and not do another mitigation because they werent doing them at that time. Was told it would not affect my credit. Called for several months asking when I could comeplete the modification. Finally was able to complete the modification in XXXX. Completed the 4 months. Company told me that my credit report would be changed to reflect payments. I have been making payments continuously only during the 6 month period of forbearance. Was told I had to do forbearance or pay an amount that equates to like XXXX plus interest and not the original debt of the past due payments. I have attempted to email and all this company to fix the errors of the months they are reporting I did not make a payment when Im fact I was making payments under the trial modifications and in a period of forbearance. I was given misleading damaging information that almost out in to bankruptcy and foreclosure from one late payment. I was told during that one month of a late payment my only option was a loan modification which is untrue. Ive asked them to pull the calls several times. I would have not entered into any agreements without the false and misleading information from their staff. Now I am showing that I have not maid a payment since XXXX when in fact I have been making payments. They refuse to investigate or fix their mistakes. They have been made aware of my complaint for 2 years now and have failed to act or remedy the situation
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to an adequate 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 an 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 Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

Federal Student loan servicer for the Department of Education ( PHEAA operating under XXXX XXXX ) is reporting in excess of XXXX error on my credit report, including incorrect open dates, incorrect balances, the lender is not reporting payment history, erroneous derogatory remarks/comments, account status, and erroneous delinquent payments. The lender placed me in an authorized period of non-payment ( forbearance ), retroactively. The updates to my account cleared all delinquencies, and started my authorized period of non-payment ( forbearance ), beginning XXXX. However, the lender states they are not required to follow Fair Credit Reporting regulations per guidelines provide by the Department of Education. However, no one within the Department of Education, the lender 's office, or the Ombudsman has been able to provide a guidelines put forth by the Department of Education, directing federal student loan servicers to disregard the FTC governed Fair Credit Reporting Act, and continue to report delinquencies which has been removed from their system due to a retroactive forbearance, which is defined by the department of education as authorized period of non-payment. The Lender has is picking and choosing which information they want to report regarding my loans, most of which is grossly inaccurate. I have been requesting resolution on this issue since XX/XX/XXXX, which has included disputing the information with the credit reporting agencies, the lender, the ombudsman, and the lenders advocacy service, but have yet to receive the financial audit or the credit report corrections I have repeatedly requested.
Product: Student loan

Trying to call them, I can not get ahold of anyone. My debt is listed as {$10000.00}, however I only ever received a loan for {$4700.00}. I spoke to someone with federal student loan and they're saying I took two loans. One for {$6500.00} and another for {$3000.00}. I did not apply for two loans and want to dispute this.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts dont belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.
Product: Mortgage

My XXXX and I were approved [ twice ] by Cornerstone Mortgage CO. 
XXXX [ XXXX ] for a Residential CONDO mortgage re-fi. My Cornerstone file # XXXX. The company is located at XXXX. 
Cornerstone, never complied during the approximate 5 month with RESPA. also, they have refused to provide a copy of my file [ s ]. Cornerstone [ broker ] / lender/ collected a appraisal fee and commanded I close a credit line of XXXX dollars with XXXX. [ active ] and in good standing [ 1 percent interest rate ]. I was told it could be re opened. ... XXXX refused. The lender enticed me to close a XXXX Credit card. I performed upon every request. The lender had no funds. ESCROW on or about XX/XX/2016 assigned a paid notary who spent 1hour at my residence obtaining ALL signiture [ s ] and documents. 
Thereafter the ''loan '' never closed or, funded. Cornerstone even forced me to significantly change my HOMEOWNERS insurance policy with XXXX and name their agency as the beneficiary Then the lender ordered another ''appraisal '' and caused in-ordinate delays to the loan. 
Respa was not complied with. The general interest rate decreased and the lender refused to decrease the APR. 
Again, the loan was ''approved '' and the Agent XXXX resigned from the Lender and I never heard from the lender again ... until i wrote an offer to settle and compromise. 
The lender never answered the offer to settle and my loss of additional interest and costs was about XXXX dollars. The escrow # is XXXX. 
Cornerstone mtg. kept the property Policy in their name until XX/XX/2016. 
.Finally, Cornerstone ran without authorization my credit 5 times. I agreed to only twice.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccurate information on my credit report. Despite my submission, Equifax consistenly responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act, 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act, 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( file No. 2025-CFPB-002 ) against them for similar violations. I request the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

Company is reporting inaccurate, inconsistent and non compliant information of XXXX and XXXX
Product: Bank account or service

I am overseas and my debit card was flagged and taken from me. I informed my bank that I was traveling well beforehand and on more than XXXX occasions. After many mix-ups, I was sent a new debit card that does not work and the bank has not been willing to correct for all the mistakes they have made. As a result, I am abroad with no access to my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX Cap on XXXX/XXXX/XXXX to ask them why they have accessed by credit file on XXXX/XXXX/XXXX and why they have put a Hard Inquiry on my Equifax credit file without my authorization, I did n't get a response nor did they help me.
Product: Vehicle loan or lease

On XX/XX/2022 I originally paid {$800.00} and then I had to make 2 extra {$500.00} payments date of XX/XX/2022 and XXXX which totaled my down payment to {$1800.00}.
Product: Mortgage

We refinanced and closed on XX/XX/21 through XXXX XXXX XXXX Mortgage ( XXXX XXXX, CA ). We have an email that there would be no payment for XXXX. But Amerihome ( the previous mortgage firm ) although the full loan was paid to them, still took another monthly payment for XXXX. So Amerihome got paid the full loan amount and took the extra monthly payment of {$2300.00}. We have contacted XXXX XXXX XXXX Mortgage and they have not returned our emails. We have contacted Amerihome numerous times and they sent us a check for {$.00} cents. Any help in getting the money returned to us would be appreciated. Thank you. XXXX XXXX
Product: Debt collection

On XX/XX/2018 XXXX contacted my husband regarding my car payment advising him that I had a payment due and telling him that well she had a payment returned, one payment was 30 days late and this payment is about to be 30 days late ... he asked her why she was contacting him, she said because I cant get in contact with her well she only called once and I am at work. First of all I dont know how she got his information second of all you shouldnt be calling and giving him any information regarding my account and what happen on my account. He gave me details of what happen on my account. This shouldnt be happening.
Product: Checking or savings account

On XX/XX/2020 I made a deposit for {$46000.00} via atm teller at BMO harris bank. I was advised and given a 7 day hold notice because of the large amount when on average banks take 3 days to verify checked with secured funds. Today is day 7 and I still don't have my funds. On XX/XX/XXXX I spoke with the banks customer service and was told my funds would be available XX/XX/XXXX. I was also told that my check was held at the discretion of the manager not the banks policy and also the notice says written in large deposit. When did it become suspicious for a XXXX to deposit a check. My dad owned a business and had life insurance.
Product: Credit reporting or other personal consumer reports

Hey Experian, I regularly check my credit report because my XXXX XXXX is important to me and I keep seeing inaccurate and false information on it, this has been a recurring issue on my credit report and hasn't been fixed since then no matter how many times I bring it up that it is so stressful and exhausting, it's badly affecting my life and my XXXX XXXX unfairly.
Product: Credit card

Bank of America fails to fill out balances in the interest rate charges portion of their statements. Interest rates and promotional dates are listed, but all balances are {$0.00}. You can not determine which portion of the balance is subject to the promotional rate.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and so I followed all the appropriate steps when dealing with identity theft such as reporting to the local police department, Federal trade commission, XXXX XXXX  to get my identity theft report and affidavit that is needed to be sent to the Credit agencies. I called Experian to get information about the actions taken regarding my identity theft and I was told that I didn't send correct or enough information. I sent everything required of me by the Federal trade commission. I guess Experian has their own rules, which I don't understand. If Experian has their own rules then why is the federal government involved in this action. It seems to me that the information given to me on XXXX XXXXXXXX Federal trade commission should be what is required of me for Experian to do their part in removing these fraudulent items from my report. Do they make their own rules? Does Experian, have precedence over the Federal trade commission? The gentleman I spoke to whose name is XXXX from the Experian special service department continue to talk over me and tell me that the information that I sent was not enough. I pay {$30.00} a month for identity theft resolution and support I have not been contacted once by their resolution department or anybody else regarding the identity theft case that I filed almost 3 months ago. If that's the case I want 3 months of {$27.00} refunded to me and I also want what is required by fcra 15 USC 605b to go through without somebody telling me that I need more information. I sent everything according to the Federal trade commission identity theft.gov.
Product: Credit reporting, credit repair services, or other personal consumer reports

I changed my name on XX/XX/XXXX and Equifax has not yet updated my name ( both XXXX  and XXXX  did this with no interaction on my part ). Over the past two years, I have contacted Equifax at least 15 times - with 8 of those being in the last month. I have provided documentation ( SSN Card, Driver License, Passport ) and Equifax agrees that they have the documentation to make the change - however, the do not make it. Each time I am told it will be fixed immediately - only to find later it was not. I have spend at least 10 hours on the phone with them to no avail. This is impacting my credit report, although my SSN has not changed, Equifax shows that I have no reported credit since XXXX ( which is simply not true ). Most recent disputes were submitted on : XX/XX/XXXX, XXXX, and XX/XX/XXXX. In addition, I have called Equifax muliple times to resolve this issue and spent several hours on the phone. Most recent calls were on XX/XX/XXXX and XX/XX/XXXX - both times I was told issue was corrected immediately and it was not.
Product: Credit card or prepaid card

I received a letter on XX/XX/23 stating my credit card ending in XXXX was to be closed. I am XXXX with them closing my account as they also closed my checking account recently and have moved my business elsewhere. I am not okay with them taking hundreds of dollars in the reward points that I deserve and earned from them. I want those XXXX rewards dollars sent to me as a check immediately with interest.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following inaccurate items that are on my credit report i previously sent letter to Equifax XXXX XXXX and they have not acknowladged my despute XXXX XXXX XXXX XXXX XX/XX/year> XXXX {$6000.00} DEPT OF EDXXXX XX/XX/year> XXXX {$6000.00} Equifax XXXX XXXX XXXX XX/XX/year> XXXX {$6000.00} XXXX XXXX DEPT OF EDXXXX XX/XX/year> Acct : XXXX {$9700.00} XXXX XXXX XXXX XX/XX/year> XXXX {$6000.00} XXXX XXXX XXXX XXXX XX/XX/year> XXXX {$6000.00} XXXX XXXX DEPT OF EDXXXX XX/XX/year> Acct : XXXX {$9700.00}