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

I opened a business checking account with relay financial they made me jump through all these hoops and loops and did this extensive verification with lots of extra steps just to open account in XXXX of XXXX finally once opened I deposited {$100.00} and tried using debit card for months I couldnt use the account kept calling customer service getting the run around then on XX/XX/XXXX they sent me a email saying they are closing my account for no reason and sending me a check on XX/XX/XXXX its XX/XX/XXXX and no check received no response from customer service and the {$100.00} still sitting in account refusing to send it back and account locked I deposited a legit check for XXXX $ they played games for 10 days then accused me of altering the check this bank is garbage and a bunch of crooks nothing but excuses and stories delaying me and hindering my business
Product: Credit reporting or other personal consumer reports

I called XXXX XXXX and spoke to a representative at a call center. I explained my issue regarding my acct. I asked if they could consider removing a late payment from my acct. I have had my acct for 7 yrs and have only 1 late payment. I was in the middle of moving out of state at the time and I missed my due date. Once I realized I missed the due date I immediately contacted XXXX XXXX and brought my acct current. I set my acct on auto pay to insure i wouldn't have any problems in the future. I have not missed a payment since. This was a one time incident otherwise I have a perfect payment history. Unfortunately, regardless of my overwhelmingly perfect payment history none of that seems to matter because my credit score is is overshadowed by this 1 neg mark. Hurting my credit score and affecting me getting approved for housing. I've contacted and disputed it with all the credit bureaus and the credit card company. I don't know what else to do
Product: Credit card or prepaid card

I wrote to Discover Financial Services on XX/XX/XXXX via certified mail, after noticing that they were reporting details about my account that are not permitted under the law. 

15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s 3 of this title, any ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Rather than complying with the law, and without warning, Discover Financial Services decided to close my account in a letter dated XX/XX/XXXX. 

This adverse action is a violation of the Equal Credit Opportunity Act. Notably, discrimination based on " The applicant 's exercise in good faith, of any right under the Consumer Credit Protection Act.
Product: Mortgage

filed my first complaint with cfpb on XX/XX/XXXX, complaint XXXX basically addressing the same issues. My contract with Cross Country Mortgage LLC., reads no escrow for hazard insurance and prop taxes, and I have paid my ins through XX/XX/XXXX. I received a written notice on XXXX from Cross Country Mortgage LLC escrow ins in the amt of {$470.00} eliminating my escrow for hazard ins. My original statements show absolutely no escrow for hazard ins. In spite of this, when I do get a statement, it still shows the escrow and the amount. Obviously, my concern is that it's creating a short fall in my mortgage payments each month. Cross Country Morgage has continually failed to apply accurately my monthly payments and providing me with my mortgage statements and XXXX yearend Federal form XXXX for interest paid for XXXX. I have made many attempts to contact Cross Country Mortgage LLC both by telephone, email, and letters to resolve these issues. It is my understanding that Cross Country Mortgage has a 3rd party arrangement with another company handling their business.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX Balance {$410.00} Opening Date : XXXX XXXX XXXX XXXX XXXX {$650.00} XX/XX/XXXX has violated my right. ( I was not even a resident of the United States of America at the time the account was opened. I am a XXXX XXXX. 
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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been over 60 days and I haven't received any investigation results.
Product: Mortgage

Since XX/XX/2021, was required the payoff statement of certain mortgage loan through the service agent 's attorney. This loan is in foreclosure process. In the request, my attorney specifically indicated that he expected compliance with ( 1026.36 ( c ) ( 3 ) ). He demanded that the payoff balance be provided within 7 days. After not receiving the requested information, my attorney re-wrote on XX/XX/2021 ; XX/XX/2021 and XX/XX/2021. None of the emails were answered even though an official of the servicing agent was also included on the communications. 

I intend to pay the balance and this delay is assessing me more interest owed, while the servicing agent advances the foreclosure process until the sale of the property in public auction. 

In the last email we warned that we would be filing the complaint and still they did not pay attention.
Product: Mortgage

My loan servicer changed from XXXX XXXX to NewRez. I changed it in my bank account to pay NewRez, but didn't realize the loan number changed. The money went to NewRez. NewRez 's holding company Shellpoint Morgage Servicing cashed the checks and the money was removed from my account. However, they called me and accused me of not paying. Asking me to prove that I paid. Treated me coldly. Then when I was transferred to a manager and was talking to the manager, complaining about them, he hung up on me! 


XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

May I ask why this account from XXXX XXXX is being reported on 2 CRA 's? 

XXXX last received payment, also see attached report, on XX/XX/XXXX. The account is not negative and is current. In your comment you state was closed by Credit Grantor? So I just dont see why you would want to keep reporting. 

Then for some odd reason, after 7 years mind you, I was making good payments again sometime in XXXX. That's amazing! 

Transunion account Account # : XXXX XXXX account # XXXX
Product: Mortgage

The loan was in review for a modification with Wells Fargo / ASC. On XXXX XXXX, XXXX, a letter was sent to me from XXXX stating that my trial modification was approved and that I needed to make XXXX payments to solidify the modification. This letter is attached. Wells Fargo called me on XXXX XXXX, XXXX and stated that I had missed the first payment, but that they would continue the review if I wired the funds immediately to them. On their direction, I did so. The wire is attached. I called Wells Fargo back on XXXX XXXX, XXXX, and told them I was able to wire more funds to make the XXXX and XXXX payments in advance. They directed me on how and where to send the wires. That wire receipt is attached. On XXXX XXXX, XXXX, Wells Fargo called me and stated that I had not made my XXXX XXXX payment. I was confused, as I had made a payment on XXXX, but they told me to make another payment, and by their instructions, I did so, on XXXX/XXXX/XXXX. That wire is attached. I heard nothing about the loan mod until I received a notice of intent to foreclose on my house. I hired an attorney who spoke with XXXX XXXX at Wells Fargo and an escalations team member named XXXX. The attorney contacted Wells Fargo on XXXX XXXX, XXXX, but the file was not assigned to XXXX until XXXX XXXX, XXXX - ten days later, 3 days before the foreclosure sale. XXXX called the attorney on XXXX XXXX, XXXX, stating that though ASC confirms that my loan was in active review for a loan modification during the time of XXXX XXXX, XXXX, ASC denies sending me the attached letter. The letter has my full legal name, mailing address, Wells Fargo account number, and monthly payment information - items that only ASC would know. The letter is written on ASC letterhead with a barcode for filing purposes on the side of the letter. XXXX stated that Wells Fargo denies receiving the payments I sent them. They say that they removed my file from the modification program the same day they called to tell me to wire them more money on XXXX XXXX, and a month before they called me in XXXX to have me wire even more money. They say they are going to take my home tomorrow, though I did everything they told me to do. XXXX told me to call the police. I am concerned given the detail of the letter that if ASC did not send it, that they have a extensive privacy breach with regard to my file. If Wells Fargo did not call me to make payments, then someone inside their company is scamming money from their borrowers, as when I call the number back, I speak to representatives at Wells Fargo. I would like Wells Fargo to give me a chance to keep my home.
Product: Student loan

To whom this may concern, I have had student loans taken out of my name fraudulently.. I attended school under the GI bill.. and had no other student loan money lend to me or deposited in any of my accounts.. thank you
Product: Checking or savings account

I went to go deposit {$1700.00} into my U.S. Bank account and I accidentally inserted my XXXX ATM card instead of my U.S. Bank ATM debit card accepted the XXXX debit card even though they said their machine shouldnt have took my pin number let me into the account let me deposit the money cash into the machine but then the machine said the machine error said it was giving me some or none of my money back returned my card with a receipt and on the receipt it showed which card I used to make the transaction and a message saying that there was an error with the machine and either gave me XXXX or none of my money back and to call the bank I called the bank to make a complaint and because I didnt use my U.S. Bank card. They said they couldnt help me. I called XXXX and XXXX said they never seen any transaction that happened that day at that ATM because their cards shouldnt even be allowed to go into the us bank ATMs. I went back to us bank and and told them that I did indeed use my XXXX in their atm and that their receipt clearly shows that and they said they are not part of money pass and that their machine should not have taken my XXXX card, and that the only thing that I could do now was to contact the cfpb because those are the only people that are going to be able to get the correct information like what card was used and look at the U.S. Bank deposits from that weekend so that they could compare them with the amount of money that was counted after the weekend and then they would see that there was an extra {$1700.00} that was deposited into their ATM machine at that bank that wasnt accounted for and that you guys could also get the video camera footage of me putting my card into the ATM putting the money into the ATM and never getting any money out of the ATM thats verifying again that I put {$1700.00} into their account that they have extra now thats unaccounted for that they never deposited into my U.S. Bank account
Product: Checking or savings account

PNC Bank required me to open up an account with them in order to close my HELOC. XXXX XXXX Loan Processing Analyst Sr ( XXXX ) XXXX # XXXX was my direct contact person. In XXXX was required to open four different accounts in order to receive a {$400.00} new client bonus. 
I contacted the company a few months later and they gave me the runaround. Stating I wasn't a new customer, because they merged with BBVA Compass. And I wasn't eligible for the new customer bonus. 
The merge was not complete at the time. I was reluctant to open an account with them, however, I was up against a rock and a hard place. 
I tried to reach out to the Branch I opened my account with, they gave me a customer support number to call. 
I spoke to XXXX XXXX at @ XXXX to try to handle the situation. She gave me the same spill about me not being eligible. We exchanged some not-so-pleasant words and I told her that I was going to be closing my accounts with them. 
A couple of weeks later I received an email from XXXX XXXX XXXX. I reached back out to her three different times and I have never heard back from her concerning my complaint. 
As a customer, I want what was due to me at the time of my opening of four accounts that I had no need for at the time.
Product: Checking or savings account

Case # opened with Marcus by Goldman Sachs. 

Case # XXXX Case # XXXX Received promo flyers offering higher rate with no penalty over a 12month period. 

See attached copies of promo.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation und the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, Leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with m experience, where XXXX has neither corrected nor removed disputed items despite the evidence i provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as XXXXXXXX XXXX inaction violates federal law and my rights as a consumer.
Product: Payday loan, title loan, or personal loan

In XXXX I purchased a XXXX XXXX new XXXX XXXX through XXXX and financed XXXX through Westlake paid XXXX the rest of the amount. In XXXX the car was paid off DMV sent the title to Westlake after they received the title without it signed. DMV sent the title in XX/XX/XXXX Westlake has had the title since. In XX/XX/XXXX I was in a accident my vehicle was a total loss. I contacted Westlake to get my paid off car title and they say there is no record of me and that I applied for a loan but was not approved. The next time I called to get the title released to XXXX so I could get paid out for XXXX with both a rep from XXXX and myself on the phone they said this time they had absolutely no record of me. This is impossible because XXXX would of not sold me the car. DMV has them as title holder I know them as title holder and XXXX also has them as title holder. I have no vehicle no money and no title with no room to fix the problem. I cant work without a vehicle and I have no money to pay my rent and Im at risk for loosing my home this terrifies me being a single mom. I need Westlake to write a letter to XXXX to release my title so I can get paid for my total loss. I have the VIN and title number.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Experian has failed to properly investigate and verify accounts that I have disputed as inaccurate on my credit report. Despite providing detailed information and evidence to support my disputes, Experian continues to report inaccurate information without demonstrating that the information has been thoroughly reviewed or verified as required under the Fair Credit Reporting Act ( XXXX  ), XXXX U.S.C XXXX. 

Experian failure to comply with the FCRA is causing me significant harm, as these inaccuracies are negatively impacting my credit profile and financial well-being. Specifically : Experian has failed to notify me of the methods used to verify the disputed accounts. Experian has not provided any proof from the furnishers of the disputed information to confirm its accuracy. My disputes have been dismissed without proper reinvestigation as required by law. 

I request that the Consumer Financial Protection Bureau intervene to ensure Experian adheres to its legal obligations under FCRA. I demand the following actions : A proper investigation of all disputed accounts, written documentation of verification methods used, and immediate correction or deletion of any unverifiable or inaccurate information. 

Experian neglect of its investigative duties is unacceptable and has caused unnecessary financial and emotion distress. Thank you for your attention to this matter.
Product: Debt collection

I have recently pulled my credit report and found accounts that I didnt recognize
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXXXXXX  and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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
Product: Credit card or prepaid card

On XX/XX/XXXX I had a fraudulent claim happen and had about XXXX dollars taken from me. Like anyone would, I filed a claim with BOFA thinking everything would be solved in 45 days. Praying for less of course. Then the following pay day on XX/XX/XXXX. No money in my account and my account was closed. I havent been able to get access for 3 payments now and Im a single mother of twins!! I now have a lot of late fees with a canceled car insurance and overlap in my insurance. 
I am disgusted with the process and the fact that XXXX is waiting for BOFA so I can receive my funds! My account has been open since XX/XX/XXXX they said. Please someone help me. My phone number is XXXX. 
Name is XXXX XXXX. Im about to be in far more debt than I already am and no one is helping! Email address is XXXX Also, not only do I have my stolen funds taken now I cant even get access to my current funds!!! How is this even legal?? This is sickening to me.
Product: Money transfer, virtual currency, or money service

Heartland XXXX is over billing for services that they never provide, additionally we are being billed for not filling out a Merchant services survye that we never received or knew about.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXX Account Number XXXX XXXX has violated my rights. Or a 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 an 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 or 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, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports The XXXX XXXX XXXX  is reporting inaccurate information on XXXX XXXX Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX XXXX XXXX. The reason why I am writing this complaint is because on my TransUnion, XXXX, and XXXX  credit report on XX/XX/2019. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Product: Checking or savings account

My balance in my gold rewards checking account has reached the next tier of platinum, wish to be upgraded. Per terms and conditions of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX This card is reporting the wrong information in my credit on the day of the last activity taught XX/XX/XXXX, XX/XX/XXXX and I asked them to explain this error, I was expecting a change but I received a letter indicating that nothing will change since EVERYTHING IS ACCURATE ( Day  of the last activity XX/XX/XXXX adn XX/XX/XXXX ) I attach the errors
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

This is my another endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX  XXXX Balance : {$6100.00} ; XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$350.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$750.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX