23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 you cash a check and after obtaining the money I will clear the check ( with fire ) On XX/XX/2022 someone else changed it and deposited it from my account and the bank did not refund me the money they debited from my account.
Product: Checking or savings account

My original complaint about Bank of America ( BoA ) was closed prematurely by CFPB with no response from BoA and the issue is still unresolved. 

My original complaint about BoA : I was based and worked in XXXX XXXX  for XXXX from XXXX until my retirement in XX/XX/XXXX Before I left XXXX, I cleared ALL my debts and closed all my accounts including credit cards at Bank of America. However, despite asking that all my accounts to be closed and " allegedly '' closed, I discovered In XX/XX/XXXX that BoA is still charging my accounts with monthly " bank fees ''. In XXXX I spent close to {$100.00} in phone calls to BoA customer service to ensure that my accounts were closed. They allegedly " reversed '' these fees stating that was an automatically generated " system issue '' and that they would pass on the information to the appropriate department. I refuse to spend any more money contacting BoA due to their lack of customer service, diligence and banking compliance. I am now back in XXXX XXXX since XX/XX/XXXX and discovered that BoA has been charging my allegedly " closed accounts '' Monthly bank fees for XXXX and XX/XX/XXXX. ( refer to attached Screenshots and copy of email ) In my bank account, it has an overdrawn account balance of - {$24.00}!! In my case, they are deliberately " failing '' to close my accounts. I have already sent by mail XXXX official letters to close the accounts. Although being in XXXX XXXX I could " ignore '' them. However, I would do so at my own peril. Left unchecked, these unpaid bank fees will eventually attract default payment fees, referral fees to bailiffs and the likes eventually Courts fees added to the lot with a warrant to arrest should I ever put a foot in the XXXX ( or even transit via the XXXX ) with the outstanding amount totalling thousands of XXXX Dollars for XXXX individual. I would be grateful if your office could address and expose the bank 's rot at the expense of the average consumer. Thank you for your time and consideration. XXXX XXXX ( XXXX )
Product: Mortgage

Mortgage payment was raised {$220.00} in XX/XX/year>. Called the mortgage company to inquire why increase, company stated increase was due to the insurance company 's increase. Called insurance company and they stated renewal not due until XXXX. Called mortgage company back.increase was due to their projection. 

After renewal of insurance which decreased by XXXX dollars. Called the mortgage again requesting to return my payment back to original payment. Mortage company refused and just reduced this increase by XXXX 

Now we get a statement of increased principal and interest payments to condone new payment.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. despite having sufficient funds when transaction were authorized. I was charged fees due to lagging posting of charges and credits. this issue aligns with the recent CFPB findings against Navy federal and similar practice, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and reque4st an investigation into my account transaction
Product: Debt collection

They call like 10 times a day starting at like XXXX till like XXXX everyday from a lot of different numbers. I asked that they put everything in writing and stop calling me but they wont.
Product: Checking or savings account

On XX/XX/2021 Chase closed 2 of my bank accounts without notice or explanation after the accounts were opened XX/XX/2021. I deposited a total of {$22000.00}. This caused me not to be able to pay items causing a financial hardship. When I called the proper department, they were rude and unprofessional. Telling meI can never have any accounts as long as I live. No explanation as to why. Very disrespectful and I was distressed. They treated me in a XXXX fashion knowing my race and religion. I dealt with XXXX XXXX XXXX NMLS ID : XXXX and XXXX XXXX XXXX XXXX ID : XXXX who did not give me an explanation or reason. XXXX didnt respond to requests of explanation. In fact he never got in touch with me after personally opening the accounts, giving me checks and advising me I can use them immediately. 

Chase should be fined for a substantial amount and pay me for their felonious actions.
Product: Vehicle loan or lease

Hello I am writing this demanding a response from the branch manager at this location or the president of pen fed. I refinance my vehicle in XXXX XXXX and as of today pen fed stated that they dont have my title to my vehicle nor my update insurance information to which I provided to them by mail, upload and in person on XXXX XX/XX/22 .To The same lady who haves been handling all of my documentation from the beginning. I have receiving threatening letters and emails demanding the following documentation .when I call the Branch it go straight to customer service to which I get the run around to whom I am supposed to speak to.On XXXX XX/XX/22, I finally had a chance to speak with someone who was trying to assist me young lady called that particular branch in XXXX she stated she spoke to the branch manager her response was that all titles get mailed out to California once they received, so I explain to her I was there on XXXX XX/XX/22 today is XXXX XX/XX/22 .The title company in California is still stating that they dont have my title!! The manager also stated customer service agent who is in charge of mailing the titles to XXXX was not available that day and she was unaware on how to retrieve them to assist us To which I found to be totally unacceptable if shes a branch manager!!!! ( ( ( No names ) ) ) were given upon request!!!! at the time of the conversation but Im quite sure it was properly documented. So today XX/XX/1922, I had the pleasure of speaking with a young lady by the name of ( ( XXXX XXXX ) ) Who also explains to me that no documentations where received but she went above and beyond and tried to get the matter expedited she was unable to complete the matter and she stated to me I should go back out to the Pen Fed location in XXXX Maryland which is an hour and 45 minutes almost 2 hours away from my home!!!! request to speak to the branch manager and the young lady to whom I gave the documents to and also that an extension has been placed on my account!!!! which I told her which is extremely unacceptable to me as a consumer because Ive done everything I was supposed to do on my part .so I was to not be penalized or need a waiver placed on my account for something that was done by Pen Fed s negligence me and my husband have been paying on this loan since XXXX XXXX With no knowledge that the proper documentation was not processed until recently me and my husband deserve answers and this is so disheartening and so unacceptable from such a XXXX XXXX XXXX something needs to be done about this matter and all of the Managers and employees involved. Ive submitted documentation to the CFPB today and I also submitted documentation over to the FTC. So me and my husband is hoping for a prompt response To which this is and may affect our credit since the interest rate is at stake due to the fact that Pen Fed is stating that they did not receive proper documentation our next step is to reach out to our attorney.
Product: Mortgage

I have XXXX XXXX 's a mortgage company,4 to 5 years ago. I called and asked for a notification, they said we had to be six months behind, so we did called back and they said we don't qualify, we got way behind, I think almost a year, then they said we got a notification, and lower our payment, I tried to refinance with another company and they said we had a 40 year mortgage. I checked my paperwork and it had My wife and mine name signed on them, which we did not sign, and then I checked all the paperwork on line, they had servicemember civil relief act paperwork, which myself and my wife, was not in I was in XX/XX/XXXX to XX/XX/XXXX., The reason I'm writing this is I checked my credit report and it had, pai in full, AND it had motifaction paperwork saying loan modified not under a federal government plan, I got on line and checked XXXX XXXX and found out the got sued, nobody let me and my wife know, or I would have signed papers. And also on my statement it says, total regular payment and under that total unpaid amount. Can you help me please, My wife and I never missed a payment until they told us to thank you XXXX XXXX, my numbers is XXXX thank you for all the help XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent another dispute to the bureau regarding unvalidated, inaccurate accounts ( XXXX XXXX CARD SERVICES XXXX and XXXX/XXXX XXXX ) on my report that has many inconsistencies. I also demanded that they validate the accounts but they didn't do it. I haven't received any documents that shows that the creditors validated the accounts to me. According to 15 U.S. Code 1681i the bureau must do a reinvestigation of the disputed item within 30 days and if the item is inaccurate they must delete! I can not keep dealing with this issue as it keeps causing me a lot of stress and wasted time. I have attached my Driver 's License, Social Security Card, the info that shows the inaccurate accounts and all the discrepencies. I will be forced to file with the FTC if these inaccurate accounts don't get deleted from my credit report.
Product: Debt collection

Ally Auto Financial. My name is XXXX and I have a loan with this bank since the spring of 2014. I have paid my car without no late payments and recently they have elevated my interest rate when I sign up for a fix rate loan. I remember the original contrac stated that my amount was about {$360.00} and I always paid {$400.00} or more. I have ask them for the original contract and they keep on calling me. Just now on xmas eve calling me. I remember changing my payment date to every 30 of every month and I recently send a payment of {$260.00} and when I get pay this friday I will send a second payment before the end of the month please ask them to send me the original contact for XXXX XXXX and my ss # *********** I did a name change and my formal name was XXXX when I purchase the car. I need to see also a history of all my payments. Help me they call me every day even on weekends. I am closed to pay the loan and I have about two years left and now this company coming up with new charges
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not acknowledged my identity theft reports I have sent to them per the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX original creditor XXXX XXXX - continues to report to XXXX and Transunion a collection/chargeoff in the amount of {$400.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I have contacted XXXX XXXX as well as XXXX and they have no record of this account in my name and they can not verify this account belongs to me. I have requested on multiple occasions that this account be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Within the last year, my XXXX XXXX account has been accessed via an old computer by XXXX XXXX XXXX XXXX XXXX attorney in XXXX XXXX Michigan XXXX He signed into my account and has been pulling all my credit information since the beginning of my account. He had now contacted my previous employer and multiple other closed accounts without my permission. 

This information is currently being used against me in a court of law despite the fact that it was obtained illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Someone is using my personal information without my authorization. In XX/XX/2015 while working out at the park my purse was stolen with my personal information inside of it. Someone broke my window and stole my purse. While trying to apply for a credit card I checked my report and discovered that there were accounts on my credit report that does not belong to me and were not authorized by me credit cards, auto loans, and car insurance. All of the inaccurate accounts were deleted from my credit report except XXXX XXXX XXXX  which needs to be deleted asap as well because that account does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting and XXXX  account # XXXXhas violated my rights.

15 u.s.c 1681 section 602 A. States I have the right privacy.

15 u.s.c 1681 section 604 A. Section 2 it also states a consumer reporting agency can not finish a account without my written instructions.
Product: Bank account or service

I opened up a CitiGold account in XXXX 2016 with my eligible promotion code to receive XXXX XXXX miles upon meeting the requirements. I got a verbal confirmation over the phone and written confirmation that the code was attached and applied to my opened account. Once I met the requirements, I called and asked for confirmation of meeting the requirements. However, upon this request, I was informed that I was not eligible for this promotion because I was not targeted. However, the promotion code should not have been applied to my account if I was not eligible, and this eligibility was confirmed upon opening the account. I have been back and forth through Secure Message and over the phone with customer service to resolve this issue for the past month and a half. They ask for physical confirmation of my targeted statement, which I did not keep since I had been confirmed upon opening my account that I was eligible. Since then, I have been charged a monthly service fee and continue to be denied my rewards.
Product: Debt collection

Security credit services XXXX XXXX XXXX, XXXX XXXX XXXX to ( XXXX ) XXXX has been sending me collection notices in the amount of {$1000.00} assigned date XX/XX/2017 the collection has been reported as past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Product: Credit reporting or other personal consumer reports

This account with XXXX XXXX XXXX XXXX is currently in Arbitration and needs to be removed immediately until case is closed.

1. Per our Membership Agreement/ Billing Rights Notice we agreed that there will be no Adverse Action against any account that is in dispute, Including Credit Reporting . Is this Correct?

2. Per 15 USC 1666 puts this account in a do not pay do not Collect Status.

Why are you still Report to my consumer Report?

3. Per FCRA Reporting Transactions or Experiences is not included in a consumers Report.

Governing Laws : The Privacy Act of 1974 15 USC 6801-6805
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 has violated my rights. 

I looked at my XXXX XXXX XXXX XXXX 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: Credit card

I want to receive pre-approved offers for credit cards and loans from Huntington National Bank via XXXX XXXX, XXXX Mail or email. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX
Product: Mortgage

I have a mortgage through Ditech Financial ( # XXXX ) and my XX/XX/XXXX payment was sent from my credit union online bill pay XXXX XXXX. It was received and cashed by Ditech on XXXX XXXX. My account has never been credited for this payment. I 've had XXXX conversations with customer service regarding this lost payment. I was initially asked to email the bank statement proving payment. The email went through and was not rejected or returned to sender. I called a few days later and they stated they never received the documents. I was then told by customer service to fax the proof of payment to them. I complied and the document was sent. I called back a few days later and they stated that it was now in review. The file has been in review for over 4 weeks and every time I call for an update they ask me to fax in the same documentation proving the payment was made. This is even after they have confirmed that the original proof payment was submitted and the file is in review. This feels like theft to me and their customer service has not been helpful in finding a solution. Please help me.
Product: Mortgage

NOTICE OF COMPLAINT DENIAL LOAN MOD & FORECLOSURE XXXX XXXX ( Borrower ) XXXX XXXX XXXX XXXX . 
XXXX, Ill XXXX Tel. XXXX Re : Wells Fargo Loan # XXXX Wells Fargo wants to Illegally Foreclose my property and also Denied Loan Mode. 
Need help to get Loan Mod & Stop Foreclosure of my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/21, XXXX XXXX, I have sent disputes to this company several times, and they are still holding inaccurate information on my reports. 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 an account without my written instructions. 15 U.S.C 1692C Without the prior consent if the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692g ( B ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 15 U.S. Code 1692b ( 2 ) not state that such consumer owes any debt. 

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. You sent me a copy of a bill you had no HIPPA RELEASE ATTACHED! I will use this in court.
Product: Payday loan, title loan, personal loan, or advance loan

I purchased a streaming device from a merchant and used Affirm to make payments ; once I received the product, it was not as described on the merchant 's website. I reached out to the merchant several times via email, phone calls and even requested a refund via their webpage and no response was ever received from the merchant. I filed a complaint with Affirm that I would not pay the loan due to this situation. Affirm stated after investigating my concerns, they found the merchant creditable and that I still own the loan and payment is required. I requested Affirm to provide all correspondence and/or documentation on the process they used and what they received from the merchant and Affirm would not provide anything from their investigation. I then got a notice that a negative remark was submitted by Affirm to XXXX XXXX XXXX. I disputed this with XXXX, and XXXX stated " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' The report does not provide any details. I called XXXX and the Rep was no help and now I am making a complaint with CFPB.