23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was closed with XXXX XXXX ( XXXX ) on XX/XX/XXXX. We had a modification in XX/XX/XXXX. The only thing that changed was the interest rate. The loan was Sold to M & T bank ( XXXX ) XX/XX/XXXX. I noticed on my credit report that the maturity date changed from XX/XX/XXXX to XX/XX/XXXX. I called M & T bank immediately. They told me the modification changed our entire mortgage. I called XXXX and they faxed me the modification closing, showing the original maturity date of XX/XX/XXXX. I sent a copy to M & T and then called them. They received it and can clearly see that their records are incorrect, yet they refuse to update my paperwork. This is an egregious error and they need to fix it! Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax account, XXXX/XXXX no. XXXX should have been deleted yesterday XX/XX/2020 from the equifax bureau report.the investigation was initiated on XX/XX/2020. 
it is a violation of the FCRA that the account still shows under dispute today XX/XX/2020. 
all proof of the above is attached.DELETE THIS ACCOUNT IMMEDIATELY
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 Section 602 There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. As a protected consumer I have a right to make sure that my personal nonpublic information isn't shared, which is confirmed by law 15 USC 6801. : It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX is a financial institution. The definition is found under title 15 USC 1681 section 604 section 2 states " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer in which it relates. An opt out letter has been sent to XXXX XXXX on XX/XX/2024. A financial institution may not disclose nonpublic personal information without the consumer receiving an explanation of how the consumer can exercise a nondisclosure option. XXXX XXXX never informed me of my right to exercise my non-disclosure option. 15 USC 1681c ( a ) 5 states except authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. This account is an adverse item that is being reported again, without my permission, which is against the law. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

15 USC 1681e : Every consumer reporting agency SHALL maintain procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under 1681b of this title. XXXX and Equifax are not maintaining reasonable procedures. 
12 CFR 1016.7 " A CONSUMER MAY EXERCISE THE RIGHT TO OPT OUT AT ANY TIME '' SEE THE OPT OUT THAT WAS SENT TO THE XXXX XXXX IN XX/XX/2024 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried 4 times to request the information be removed from the 3 major bureau 's about accounts that are being reported by the agencies and they keep telling me that the information i being reported correctly on my reports. I have submitted the Fair Credit Report Act about how they must remove the information because they do n't have the required information to place it on my credit file. Each bureau Equifax, XXXX, XXXX all have said that they are verifying this information electronically. Section 609 of the FCRA none of these results meet the requirements of this information to remain on my credit file.The dates below are the four times that I have requested the removal of this information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have a Checkings account with Chase bank. Recently, I made a payment using my debit card at a credit union ( to pay off my car loan ). The total payment was {$5300.00} and since my debit card limit for a day is only {$3000.00}, I paid it in two payments. {$2700.00} on XX/XX/XXXX and the remaining {$2600.00} on XX/XX/XXXX. I just found out that I was charged a total of " Non-ATM cash fee '' of {$160.00}. {$81.00} for the {$2700.00} transaction and the remaining {$79.00} for the {$2600.00} transaction. 

This {$160.00} fee for just using my debit card ( not even a credit ) to make a payment is very high. When I called the chase bank customer service, they were not able to explain clearly why I was charged this 3 % fee. The representative and her supervisor that I spoke with both said this is a " cash advance fee '' that I was charged for doing a transaction with a teller at a Non-Chase bank and told me to refer to my accounts fees, rules and regulation. Mentioning it is my duty to find out why I was charged and not theirs to explain. 

The chase guide to checking account found on this link, https : //www.chase.comXXXX   does not mention anything about a " cash advance fee ''. Moreover, the description provided for Non-ATM Cash fee is " You use your Chase Debit Card to withdraw cash from a teller at a bank that is not Chase ''. But I did not withdraw cash, I was only making a payment.

I have attached both the simple guide for checkings account ( 3 pages ) and the Additional Banking Services and Fees for Personal Accounts Deposit Account Agreement pdf ( 13 pages ) available at this link https : //apply.chase.comXXXXXXXX XXXX. In both the documents, there is no " cash advance '' and the non-atm cash fee is only for a withdrawal of cash.

As an additional note, when I tried to my pay off my loan ( {$5300.00} ) it was declined since my limit was only {$3000.00} for a day. So, I called the bank and tried to get them to increase my limit or make an exception for this one transaction. After speaking for almost 30 mins they were still not able to do it. So that's why I ended up making two transactions. However, not once during this call any customer service representative inform/warn me about the charge I will incur if I proceed with the payment.
Product: Mortgage

When paying my mortgage with Triad Financial Services they charge you a {$7.00} dollar " Draft '' fee for each payment. This is not from a credit card or debit card payment. It is for a ACH bank payment. They offer no alternative to avoid the " Draft fee '' and a very vague description of it's use.
Product: Debt collection

This account is apart of the XXXX XXXX Data Breach. I am a party of the settlement. This information was obtained in the course of the Data Breach by Portfolio Recovery. Portfolio Recovery is reporting and falsely claiming this credit transaction is a debt due. Portfolio Recovery Solutions has provided documentation it may have obtained in the XXXX XXXX Data Breach. As this was a Secured Credit Transaction the amount claimed as owed is inaccurate and false. A deposit was required to obtain a extension of credit which was expressed that it covered any failed payments. In light of XXXX XXXX 's error to inform me, I made a uniformed decision on when I entered this consumer credit transaction. There is no evidence of indebtedness the only evidence of indebtedness was by way of the agreement but because of the uniformed decision that agreement is null and void. It is null and void because I made a uniformed decision, I did not understand its meaning, and it was not clear and conspicuous. XXXX XXXX and Portfolio Recovery Solutions are in violation of Title 15 Chapter 41, 15 USC 1602.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert that a new account was added to my credit report that I did not open. I called the company and was advised to start fraudulent claim. I never opened this account.
Product: Student loan

On XX/XX/year>, I was notified through a message in my XXXX account that my federal student loan had been transferred to a new servicer, XXXX. Since XX/XX/XXXX, I have been unable to make any payments or changes to my loan account. As of XX/XX/year>, the transfer remains incomplete, and I still have no mechanism to access my loan account or make payments, despite the loan accruing interest daily. 

I contacted both XXXX and XXXX to address this issue. XXXX informed me that they could no longer service the loan following its transfer, while XXXX stated that the transfer process was still ongoing. I specifically inquired about making payments during this interim period, including paying off the loan in full as I had originally planned. Both servicers indicated that I must wait for the transfer to be completed. XXXX has estimated the transfer will be completed by XX/XX/year>, but as of today ( XX/XX/year> ), I have not received any XXXX account information or access. 

I expressed concerns about the interest accumulating during this time and asked whether the interest accrued between XX/XX/year>, and the transfers completion could be retroactively removed. A XXXX customer service representative informed me that such an adjustment would not be possible. 

This situation feels fundamentally unfair and potentially illegal. I am being denied the ability to make payments or pay off my loan while interest continues to accumulate every day. Borrowers should not be penalized financially due to delays caused entirely by the loan servicers during a transfer process. Servicers are obligated to provide borrowers with a mechanism to manage their loans at all times, even during servicing transitions. 

The lack of access to my account or any interim solution has placed me in a situation where I am incurring unnecessary financial harm through no fault of my own. I request that the CFPB investigate this matter to determine whether XXXX and XXXX are in compliance with federal regulations governing loan servicing transfers. I also request assistance in ensuring that the interest accrued during this period is removed and that processes are implemented to prevent this from happening to other borrowers in the future.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/year> EQUIFAX INFORMATION SERVICES LLC EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX Dear EQUIFAX Subject : Settlement Demand Pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ] I am writing to address the willful violation of the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX which has resulted in significant damages to me. 

Pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ], I am entitled to statutory damages for your violation. I am willing to settle my claim for the damages I have suffered in the amount of {$1000.00}. 

Please send payment in the form of certified funds to the address listed above no later than XX/XX/year>. That is 15 Days from the date of this letter. 

Should you fail or refuse to settle this demand, I will have no choice but to seek actual damages, which I believe will exceed {$1000.00}, as permitted by law. 

I look forward to your prompt response to this matter. 

Best Regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding Transunion for their failure to properly validate accounts that are being reported on credit file. Despite multiple requests, including three written communications, Transunion has failed to comply with the federal regulations under the Fair Credit Reporting Act. Specifically, I have requested that they provide a copy of the original contract bearing my signature, and proper validation of the debt including a full breakdown of the account. Despite my good-faith efforts to resolve this matter, they have been negligent in responding and I have not received the requested documentation or validation of the debt. This failure to act is a clear violation of federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint in regards to the removal of the fraudulent accounts and information completely from my Credit File. Again, I was going through my records & noticed many information, accounts and items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove & block any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please block and or remove these files : XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$55.00} - XXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$670.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$800.00} Date opened XX/XX/XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. I have been trying to resolve this matter for 2.5yrs with the original creditors as well with the Credit Bureaus XXXX I have contacted several times, by email, phone and mail providing them with legal documents as well. These 3 accounts are fraudulent XXXX, XXXX and XXXX XXXX. I have not gotten any resolution in this matter at all. PLEASE HELP.
Product: Debt collection

This debt should be remove from my credit report because i don't owe this debt any more
Product: Credit reporting or other personal consumer reports

As one of the inaugural customers of Self Lender, I am compelled to express my deep dissatisfaction with the company 's conduct. Upon perceiving questionable practices, I proactively requested the closure of my account shortly after its initiation. To my dismay, despite being assured that a check would be mailed to reflect the savings accrued, a late payment was inaccurately reported on my credit history. Subsequently, the account was abruptly closed, and my attempts to seek resolution through numerous calls were met with the company 's insistence on an unwarranted outstanding balance.

This experience not only raises serious concerns about Self Lender 's integrity but has also inflicted financial strain and adversely impacted my creditworthiness. Regrettably, this communication marks my final attempt to address these issues amicably before contemplating legal action. I implore the company to rectify the inaccuracies promptly and, in doing so, demonstrate accountability for the undue XXXX  and financial burden placed upon me as a loyal customer.
Product: Mortgage

I have been working hard to avoid foreclosure on my home at  XXXX   XXXX   XXXX  and each time I get close to finally completing a short sale,  Ocwen  puts the property up for auction. A contract was presented  to Ocwen and after months of waiting for their review, they came back with a counter-offer and then had the property in foreclosure without giving the buyer the opportunity to respond to the counter. Ocwen was then given a better net amount than they requested but still the property is in foreclosure. This has been such a mentally draining process and it seems that the closer I get to completing a short sale, I keep getting resistance from Ocwen. Please help and have the foreclosure lifted and this short sale completed once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX or XXXX of XXXX  I was removed as an authorized user from the following company Creditor Information HUNTINGTON NATIONAL BANK HUNTINGTON BANKS XXXX XXXX XXXX XXXX, OH XXXX On my credit report it's showing as a {$0.00} balance as it should, because I'm no longer responsible for this card, the original owner is. Today on XX/XX/2023 I was checking my XXXX XXXX account and my score decreased over XXXX points because the person responsible for the account is no longer making their payments on time. I shouldn't be held responsible for an account I'm not an authorized user on. I submitted a dispute, I have yet to hear back from the company. I'm in the process of purchasing a house and they have ruined those chances because of this ERROR! Huntington should be held responsible for this error, it's not fair to me, a consumer to suffer the down fall of someone else 's mistakes/actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX at XXXX XXXX I called XXXX XXXX at XXXX XXXX XXXX and spoke to XXXX EXT : XXXX to inquire about the late payments that occurred on my account after the account was closed. XXXX Advised that she could not see any of the late payments that have been posted onto my account. Upon doing an annual credit check I noticed that I had 2 late payments for the months of XX/XX/XXXX and XX/XX/XXXX. My account was closed in XX/XX/XXXX due to a motor vehicle accident that left my vehicle totaled and my account was closed in XX/XX/XXXX. I wrote the company to dispute the 2 late payments that had been put on my account after my account had been closed and instead on XX/XX/XXXX they posted another late payment to my account for the month of XX/XX/XXXX, 8  months after the alleged late fee occurred which caused my credit score to plummet almost XXXX points. Further more the name is reported inaccurately on this account.
Product: Checking or savings account

In response to my complaint # XXXX, Key Bank provided a letter dated XX/XX/2022 stating that, " As a further gesture of goodwill, we will refund additional overdraft charges of {$55.00} to the Account. This refund will be reflected on your next account statement. '' As of XX/XX/2022, I had not received the promised {$55.00} credit, so I contacted my branch manager. He stated that the branch could not address the problem and that I needed to reach out to XXXXXXXX XXXX corporate offices for resolution. I called the representative from Key Bank who wrote their CFPB response, and he stated that if I had not yet received the promised credit he would have it deposited to my account. However, he called back later in the day and stated that because the bank had refunded some fees to my account in XXXX he would not be crediting the additional {$55.00} to my account. I informed him that the letter he wrote in XXXX offered this amount *in addition to* the {$33.00} refunded in XXXX as a resolution to my formal CFPB complaint. I stated that if he was now refusing to honor that resolution, I would be filing a new complaint with CFPB. The XXXX representative stated he would look into the issue, and I requested that he follow up with me when a decision was reached. 

On XX/XX/XXXX, the representative called and stated that he will not provide the {$55.00} " goodwill '' refund as promised. I am therefore filing a new complaint based on Key Bank 's refusal to honor the resolution they provided to my CFPB complaint # XXXX.
Product: Mortgage

There are a couple of issues. When my mortgage ( by XXXX XXXX ) was sold a past due balance was transferred to the new mortgage company ( Nationstar Mortgage ). I spoke to Nationstar and was told repeatedly that this balance was part of a forbearance that the XXXX issued but all of the information had not been sent over yet. When it continued to appear on my statement I called and called, waited long periods of time to reach a person, having that person ask if they could place me on hold while they reviewed the account and made notations at which time the phone would begin to ring again and another person would answer and ask if they could have my loan number. This happens, at least, 4 times during each call until I am forced to hang up. In addition, they have tacked on a large amount for insurance they claim to have not been able to verify. This is incorrect. XXXX advised they sent over the insurance information and my insurance carrier said Nationstar could see if there was coverage on the home. Nationstar charges {$9.00} to make an online payment if the payment is made after the last day of the month regardless if the payment is past due or not. Past due payments are charged this fee plus a late fee. If the payment is made via phone the fee is {$19.00}. I have paid additional monies on several of my payments trying to put the mortgage a month ahead in order to avoid the online payment fees. Each month the overage is applied to the principal. When I have spoken with Nationstar they say that 's just the way it is and ca n't be undone. Their advise is to note it when I make the payment but there is nowhere to make this notation.
Product: Bank account or service

USAA Bank, has no way to make a cash deposit in the State of Nevada, I needed to make such deposits, I have no way to do so, Why do they do business in Nevada. I had a NSF charged to me because I could not make a cash Deposit, I called the day before and talked to a rep explaining that I need to make a cash deposit to my account. She told me to wire the money direct to my account, which I did, they still took a whole day to deposit to my account. Which over drafted me causing NSF of {$29.00} Fee. I called USAA and talked to XXXX, should could not help, I proceeded to talk to XXXX, she gave me an attitude and I am god attitude, and said she would not help me, she hung up. I called back and talked to a XXXX, she tried to help but could not. My complaint is, how can a Banking Institution do business in a State and have NO WAY TO DO CASH DEPOSIT to my account or any other customer.