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

XXXX is changing Health Savings Account ( HSA ) providers with limited notice from BenefitWallet ( Bank of New York Mellon ) to an account with " Further ''.

HSA holders are asked to sell any investments and transfer their funds as of XX/XX/XXXX or to pay a {$25.00} fee to transfer after XX/XX/XXXX. Account holders are also required to pay monthly fees to maintain a BenefitWallet account after XX/XX/XXXX.

The CFPB should prevent health plans from making unilateral changes to service providers with less than 1 month notice.
Product: Student loan

My student loan is currently being serviced by FedLoan Servicing. I consolidated all of my loans in XXXX and began PSLF at that time as well, I have worked in XXXX XXXX for over 11 years. I noticed on my last statement that they stopped counting 3 years of prior service for me from XXXX - XXXX, when I called to inquire as to why, I was informed that my loans had been re-consolidated in XXXX and that service prior to then would not be counted. That's 5 years of service! I DID NOT RECONSOLIDATE MY LOANS!! Why would I when I already consolidated them all in XXXX, my service was being counted and my payment was XXXX? Now in speaking with the company, they admit it may be an error and will remove the new consolidation but they will not count any payments after XXXX! These people are crooks and clearly double-dipping! Please help me rectify this matter, I just want to be made whole and returned to my original disposition.This agency and this PSLF program is supposed to help lenders like me, not rob us.
Product: Credit reporting or other personal consumer reports

New unrecognized account on transunion report. Did not authorize rent reporting/new account
Product: Debt collection

I just checked my credit report and notice a collections from Sunrise Credit Service collection on a cellphone bill from XXXX XXXX XXXX. I have not received any type of prior notice from this company before this was added to my credit report or a right to dispute the debt. This was my first time learning that I had the debt when I checked my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

called equifax 3 times to LIFT a fraud alert, was lied to and given confirmation numbers, assured my mortgage company and I would be able to pull my credit, equifax website shows where freeze was lifted but my mortgage company was still not allowed to pull cause of the active ALERT still showing on their end. incorrect addresses they reuse to update are hindering me from obtaining a place to live during the pandemic and may become homeless due to some MINOR mistakes that are keeping my credit LOCKED against my will.
Product: Credit reporting, credit repair services, or other personal consumer reports

Customer representatives from XXXX from the XXXX number that collect credit card payments told me that if I make the payments in the XXXX and XXXX is that what keep the account up to date and I wouldn't fall behind. Turns out that was wrong advice and I was very surprised when the account ran XXXX  days past due because it's never done that because I've kept up with it. Customer service gave me wrong advice as far as the minimum payments That's why the account fell behind or I would have made sure I kept it as current as possible. Please remove the negative information from the credit report as I'm in the process of trying to purchase a home and it could be detrimental to the credit report. Thank you for your time and consideration.
Product: Credit reporting

I bank with XXXX Bank, XXXX. They started giving you a totally free XXXX score 'from Experian '. In the past 4 years alone, I 've never had a XXXX score below XXXX to the best of my knowledge. I had a great XXXX just in XXXX of last year. Now for the past two months, my score is taking nosedives. I went to Experian, completed their form to get my credit report. There is nothing on that report that would indicate a reason for the score to drop so radically. So I contacted XXXX. They referred me to Experian telling me the score comes directly from them. A 20 minute conversation with Experian led me nowhere. The representative said I need to pay them to get my credit SCORE, THEN perhaps she MIGHT be able to assist me further. I asked how it is that XXXX gets that score every single month, but they do n't seem to have a record of that score at the very company giving it to XXXX. she then said XXXX must be using some other method to calculate the score. I called XXXX and inquired about that ; they told me the score comes directly from Experian. so no the XXXX companies are pointing fingers at each other while my credit score keeps going down. There has been NO changes to my financial situation except that I earn a little more and I owe a little less. No late payments, no revolving credit debt, just an auto loan that I pay promptly every single month without fail. Again ... nothing changed in the past the past several months, yet just in the past two months, I had a score of XXXX in XXXX and now its down to XXXX with NO REASON GIVEN despite my best efforts to resolve the situation. I find it deplorable that this company can just make these changes to my credit-worthiness without having to answer why. I am in excellent financial health and am extremely responsible with credit. There is no reason my score should be dropping if my situation is not changing, and there is NO reason on this Earth why they should not have to account for themselves to the people they are damaging with these practices!
Product: Credit reporting or other personal consumer reports

Here is a list of the unauthorized inquiries : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon Viewing my new monitoring services i noticed an account not belonging to me from company XXXX XXXX. This account does not belong to me and is fraudulent I am a victim of identity theft and it has been reported.
Product: Debt collection

On   XXXX     I received a letter from the original creditor   XXXX   XXXX   stating that the following accounts  XXXX  and  XXXX  were both apart of fraudulent accounts and that they would be removed from my accounts. I was over joyed with excitement when I seen the accounts removed from my  credit score. But Portfolio Recovery  XXXX .  Is n't budging they I assume bought the debt from   XXXX   XXXX  . I sumbited the paper to the credit bureau to have all the accounts regarding those debts deleted.  One account    XXXX  is {$680.00} and  XXXX  {$700.00} as it shows on my credit report. I feel as if the original creditor found it fraudulent then I should n't be responsible for the others.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these was Collection accounts on my credit report. This is disappointing because I have been paying ExperianXXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I has a Collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove this XXXX, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THESE FRAUDULENT ITEMs : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within XXXX days. If I dont receive a return response within XXXX days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Product: Mortgage

I had a mortgage modification with Bank of America which took about two and half years before it finally concluded. They took me throughseveral different partial payment which they never concluded. Afterseveral contacts and follow up they finally approved the modification. Butthe terms of the modification was not favorable to me but I have toaccept because of the frustration I had gone through within themodification period, ruin credit and many more inconveniences. 
The modification that I was offer saw my principal increase from theamount I was before the modification started despite the fact that I hadbeen paying the different partial payments they had offered. 
I made payment to the tune of {$32000.00} during this very strenuousmodification period but to my greatest dismay my final modification hadmy principal increased from {$240000.00} to {$240000.00} interest baringprincipal and {$3000.00} non interest baring principal making a totalPrincipal of {$240000.00} an increase of {$3400.00}. I accepted the modification and have been paying my mortgage regularly and I am upto date with my payment. I have called several times and even ask my lawyer to send letters to Bank of America in my behalf which they didabout four different times but have not got any reasonable explanation from Bank of America till date about what happened to my partialpayment of {$32000.00} that I made within these period. Taxes, home insurance premium and FHA insurance paid within this period amountto about {$15000.00}, so how did they allocate the {$17000.00} overage that non of it went into reducing my principal? And also how come I did not get any principal forgiveness despite the fact that my home wasunder water? And what does the law prescribe for the time a modificationshould take? And why did they have to drag me for this long ruining mycredit making it very difficult for me to get any loan. In fact during thistime I had to get a car loan which could only be granted to me for a very high interest rate of about 21 %.
Product: Credit reporting or other personal consumer reports

I recently viewed my credit report and have seen multiple inaccuracies and unauthorized accounts. These inaccuracies and unauthorizations are impacting my life in an extremely detrimental way as well as my credit health.
Product: Debt collection

I am paying monthly automatic payments. i needed to lower the payment amount and did so but they told me it is not enough and threatened to follow through with the law suit if i didnt raise the payment amount in XXXX. I was under the impression that as long as i was paying for it they could not dictate the payment amount or threaten me if i didnt pay the amount they want. It felt terrible and after thinking it over the last couple of months i decided to file the complaint that professional credit made me feel like absolute garbage and that my financial well being is in danger having to pay more to this agency. 

I did not realize the payment had been declined and stopped so i reached out to them to start payments at a lower rate than i was paying before. the woman i talked to said what i was offering to pay ( which is all i can afford and still feed my kids ) is not enough and i will have to raise it in XXXX
Product: Credit card

I have a Discover It credit card. I made a payment on XXXX XXXX, 2016. Payments in the past had posted the following day. However, this time the payment was held for more than ten days. No reason was given for funds being held. I called and spoke to a representative who informed me that she did not know the reasons but other departments had access to this information. 
My concern is the abuse of power. My account has not shown any signs of " fraud '' or related situations that merits " stringent screenings ''. Besides, this is nothing new, XX/XX/XXXX a rental car refund was held up for more than fifteen days. 
I looked over my credit card terms and conditions and I did not find any information in regards to " delaying credit for payments and/or refunds ''. 
To my understanding this is the difference between a debit card and a credit card. In addition, a secure fund has been established in my name to serve as a collateral. I believe this agency is using negative information, obtained from other sources, to make decisions that affect my financial status. If they choose to do so, I need to be informed in order for the power to be balanced. I am able to make informed decisions about the " conditions '' planned for my account. Lastly, the credit report is not showing any credit available, which in turn shows that my account is currently overdrawn by {$17.00}, which is incorrect. 
I certainly feel overpowered and ostracized by this situations and I hope that someone can take a deeper look at what these financial companies are doing with consumers financial wellbeing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company or a company you represent. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that INNOVATIVE RECOVERY INC absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
Product: Checking or savings account

My online account login was locked. Since this is an online saving account, I also do not have my ATM card. 

I call citibank XXXX times to reset my online account, and to send me an ATM card. All XXXX reps refused because they said the only way to unlock my account at this time is using my ATM card. I asked to have a new card mailed to me. They also said " NO '' since they can't verify me. 

I have over $ XXXX in that account I need for purchasing of a new house. I don't know what to do.
Product: Debt collection

Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX Product : Credit card or prepaid card Issue : Problem with a purchase shown on your statement 1. Why was I not included in the class action lawsuit against Citi Bank XXXX by CFPB. 2. According to Ms recent letter I was late on payment payment was due XX/XX/XXXX for {$110.00} that is why my account was closed inXX/XX/XXXX. I was still using card at the date it was not closed. My Cash rewards were forfeited per Costco validation late XXXX XXXX. 3. Very bad reporting XXXX report showsXX/XX/XXXX account charged off.written off XXXX XXXX past due as of XXXX XXXX. XXXX report XX/XX/XXXX shows XXXX written off XXXX past due. That past due is what going up at XXXX a month please stop this account asap. 4. Please contact the malpractice firm XXXX XXXX XXXX  my rights as a consumer are being abused I insist an order be filed asap to sieze and desist.account ending in XXXX with citi bank. 5. I have a legal excuse from appeals court from XXXX XXXX to XXXX XXXX as to why my unemployment checks where being withheld at the max rate per week case # XXXX case # XXXX and case # XXXX Calif Unemployment Insurance Appeals Board XXXX County Office of Appeals that a total of 120 days the max amount of time to write off any account. What is this set me up for failure these three cases was over turned in my favor my check where being withheld unjust and back pay ordered after serving the penalty of 16 weeks no income I was legally bound.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I looked over my credit report. While looking over it I noticed several inconsistencies. According to FCRA Experian is expected to report account information on my credit report with 100 % accuracy. Currently, items on my account are being reported inaccurately and this is preventing me from acquiring credit. The account that I would like to be investigated and verified is Account Name : XXXXXXXX XXXX  Account Number : XXXX
Product: Credit reporting

I reviewed my credit information and notice an error on my account from an apartment complex I stayed in years ago. The complex back then was called " XXXX ''. I had email correspondence with the complex regarding my concerns dealing with the apartment before I moved out and was reassured I had nothing to worry about because those issues are not mine and on the complex. I am looking at my credit report and see a charge for XXXX that should n't be there because we left out with a walk through completed and was stated that we had nothing to worry about. We were also given back out security deposit as well when we moved out.
Product: Credit reporting or other personal consumer reports

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information on my credit report that I believe to be inaccurate or incomplete. The above-listed item is both inaccurate and misleading, and I demand immediate investigation and resolution of this matter.

I am confident that the information in question does not reflect my true credit history, and I request that you immediately : 1. Remove or Correct the Inaccurate Entry : The item is clearly erroneous and is negatively impacting my credit profile. I demand that it be removed or corrected without delay. If this entry is not accurate, I will not hesitate to take further legal action.

2. Provide Written Verification : If you believe that the information is correct, I require full documentation supporting your claim, including the original contract or account statements. If you can not provide such documentation, I expect the removal of the item. 
XXXX. Report the Results : Upon completion of your investigation, I require a written summary detailing your findings and a clear explanation of how the dispute was resolved. 
If this matter is not resolved within the statutory time frame of 30 days from the date of this letter, I will pursue all available legal remedies to protect my rights. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and any relevant state regulatory agencies. 
This situation is a clear violation of my rights under federal law, and I will not tolerate any delay or further inaction. I expect a prompt resolution to this matter.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performances Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : incorrect address and incorrect inquiries, I have called and some of these business say they have no record of me applying to them. ( XXXX XXXX XXXX  ) keeps showing up as an inquiry on credit report and XXXX XXXX continues to show up as an automobile credit account which I have never had with XXXX  XXXX. Now there is are Miscellaneous Credit Reporting Agencies showing up in the inquiry portion of this report like XXXX, XXXX ... NEVER HEARD OF THEM! Also an XXXX XXXX  XXXX never hear of them either.
Product: Credit reporting or other personal consumer reports

There's XXXX inquiries I didn't authorize and don't recognize. Which is ALLY FINANCIAL XX/XX/year> and XXXX XXXX XXXX which XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Dear TransUnion, I am writing to formally request the removal of a settled charge-off account listed under XXXX XXXX XXXX from my credit report. Below are the account details : - **Creditor** : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX - **Original Balance** : {$12000.00} - **Date Opened** : XX/XX/XXXX - **Date of Charge-Off** : XX/XX/XXXX - **Current Balance** : {$0.00} ( Account Paid in Full via Settlement ) This account was settled in full, and the outstanding balance is now {$0.00}. Although it is reported as a charge-off, it has been resolved, and I believe that retaining it on my credit report negatively affects my credit profile. 

As this account is now paid and closed, I respectfully request that TransUnion remove this account from my credit report as a goodwill gesture. Given my effort to resolve the balance in full, I believe this removal would more accurately reflect my current financial responsibility. 

Thank you for considering this request. Please notify me once the account has been removed and provide an updated copy of my credit report.
Product: Checking or savings account

Dave bank frequently over and over confused banking transactions including omissions of refunds and giving misleading account balances I have been robbed by them and they refused to refund returned merchandise from business contacts and disguise their deceitful practices and did not permit fair opportunities An derogatory transaction of over {$2000.00} appeared as check deposit account AND WITHDRawl I do not recollect but as a expected check in shared residence with shared wifi I suspect dishonesty at Dave Bank as they proclaim stating encryption XXXX bit is standard basis in institution
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with Bridgecrest on XX/XX/2021, XX/XX/2021, XX/XX/2021 and filed a dispute with experian on XX/XX/2021 which was completed on XX/XX/2021 regarding this issue. My car was deemed a total loss on XX/XX/2021. The lender Bridgecrest reported it to the credit agency as a closed account with a comment paid by insurance instead of paid in full with the amount that was paid. Ive spoke. With them multiple times and each rep has stated that I can dispute it and then itll get corrected and so when the dispute results came in XX/XX/2021 the only thing that changed was the comment nothing else. I did not willing close this account the account was still active when my car became a total loss, the check was back dated to XX/XX/2021 so I do not understand why the account will show closed instead of paid in full. Bridgecrest sent me a paid in full letter on XX/XX/2021. But are not reflecting the information correctly on my report.