23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the following accounts, has violated my rights and inquiries were not made on my behalf. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

I am the Realtor working with a Buyer who was securing financing with the Keypoint Mortgage. During the transaction, on or around XX/XX/XXXX - The buyer was initially supposed to have 1 months mortgage payment escrow, which changed significantly to 3 months mortgage payments in escrow. Though the buyer had funds in their account, buyer 's assets couldn't be sourced/verified. The loan officer advised that the additional closing costs can be paid outside of settlement directly to the Seller. I advised that this was illegal, to which the loan officer said it was not. 

On or Around XX/XX/XXXX, the same loan officer called me directly to tell me he had a buyer referral. The buyer was to pay in cash and the loan officer asked me how he could benefit from the transaction. He asked how he could make money " on the side ''. I advised that it was illegal to pay a referral fee to anyone outside of a Real Estate brokerage, to which he replied that it wasn't and people do it all the time. I insisted I wasn't the right agent for him. 

The loan officer continued to update the Listing agent ( with incorrect info ) instead of the Buyer ( the client ) or the Buyers agent ( me ), causing confusion and hindering my ability to negotiate effectively for the Buyer. 

The loan officer displayed misogynistic behavior and speech when talking to the Listing Agent about women in the workplace/field. As well a speaking derogatorily about his younger coworkers while was on a call with him. 

The loan officer was harsh and disrespectful towards our support staff and made her feel very uncomfortable. 

The entire transaction was chaotic, unprofessional and would have been illegal had I not spoken up. 

Buyer asked to lock their rate, to which the Loan Officer advised him against it. ( I was on that call and heard the agent refuse to lock it ) Later in the transaction, he locked a rate that was only good for 15 days, and much higher than the earlier rate, forcing the buyer to pay points and causing unnecessary stress to close quickly. 

The Buyer ultimately lost the home due to poor communication on the Lenders part and lack of trust the Sellers developed towards the Lender. ( The Sellers would not extend the closing date )
Product: Debt collection

In XXXX XXXX I took a position with the Department XXXX XXXX in XXXX. I had services with my cell phone with XXXX XXXX. I requested that service to be cancelled on XXXX XXXX XXXX. I received confirmation from XXXX via email on XXXX XXXX, XXXX they received my request. In XXXX XXXX I had a discussion with a XXXX representative in reference to my account and was informed I was past due in the amount of {$90.00}. On XXXX XXXX XXXX I paid that amount. I noticed a collections from XXXX XXXX XXXX XXXX XXXX and talked with a representative in XXXX XXXX. I was informed that this charge in the amount of {$110.00} was generated in XXXX XXXX. I wrote XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in reference to this collection. I received no response. I wrote XXXX XXXX XXXX on XXXX XXXX XXXX about this collection on my credit report. I received no response. This collection is still on my credit report now under Pinnacle Credit Services. I attempted to contact Pinnacle Credit Services but only to find out they do not hold this account and that a different company holds it.
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 transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal foe similar practices, were transactions settled with insufficient balances despite initially available funds. O believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

I wish to complain about JP Morgan Chase. In late XXXX, I opened a savings and checking account with Chase. They offered a deal where you would earn {$600.00} for opening these accounts and for moving {$15000.00} into a savings account.

Three days after I opened the account, I transferred {$15000.00} from another bank into Chase. Thats when the problems began. Soon after, possibly on the same day, Chase decided to close both accounts. My accounts no longer exist, and I seem to have no way to get my money back. 
I was first made aware of this situation from a letter dated XXXX XXXX, explaining that my accounts would soon close due to recent activity on the account or because you didnt provide information we requested. They never asked me for information, and the only recent activity was the money I moved into the account. It amazes me that they would invite me to open an account and then punish me for moving money into said account. 
The letter indicated that I could call to rectify the situation, but when I did, the lady on the other end explained the accounts were already closed and they would mail me a check for the money. No one has ever been able to explain to me why the account was closed in the first place, but at this point, I just want my money back. 
According to the bank, my account was converted to debit on XXXX XXXX, supposedly in the form of a check that would be sent to me. Its now been more than a month, and I have still not received a check. I have visited Chase branches several times, and no one is able to explain why its taking so long, when I might get the check, or who I could speak to that has any deeper visibility into the situation. 
It amazes me a bank can get away with this kind of behavior. Couldnt they just have frozen my account and asked me to visit a branch to rectify whatever the problem was? Couldnt they have wired the money back to the account from which it came, or called me up and suggested I visit a branch office in the next two weeks to reclaim my money? What would have happened if I needed that money for a medical procedure or a house emergency? 
People put their money in a bank to keep it safe. But what happens when its the bank itself thats the bad actor?
Product: Student loan

I paid Navient for over 11 or 12 years faithfully no break in time believing that I had been on a forgiveness repayment loan being that I had a job in XXXX and for that reason never wavered from leaving the job I worked at since graduating as well as paying month after month and year after year, to be told that I had the wrong loan after over a decade.
Product: Credit reporting or other personal consumer reports

I am profoundly concerned about the inclusion of the following information in my credit profile. It seems that the credit bureaus may not have diligently maintained procedures to ensure the utmost accuracy in the credit reports they generate. It is imperative that credit reporting laws are upheld, which mandate the reporting of entirely accurate credit information. Therefore, I earnestly request a comprehensive re-investigation with the intention of having the following informtion removed. 
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

I went to XXXX XXXX  in XXXX XXXX to buy an advertised refrigerator. They said if I signed up for a credit service under American First Finance, that I could save 10 % on purchase price. 
They also said if I paid off within 90 days I would not have any accumulated interest. I went to payoff within a week and they said there was an early payoff fee. They never told me that, or I would have never signed up for that finance. I feel very taken advantage of and this is very fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX VA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. all have credit inquires in which I have no knowledge of and didnt approve of them looking into my credit. I have tried to contact the companies but havent gotten anything helpful out of getting this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, I have contacted you several times about this and i am very upset that these inquiries still remain on my credit report that i stopped paying for my monthly credit report with your company since you don't care. 
These inquires below are not mine! I have contacted the business phone numbers on my credit report and the businesses say they are NOT reporting! Please remove these inquiries. 
WHO ARE THESE PEOPLE? WHY ARE THEY ON MY CREDIT REPORT?? 

EXPERIAN XXXX CRED Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX   XXXX XXXX XXXX, CA XXXX XXXX  XXXX   XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX   XXXX  XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX/XXXX  Finance  Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX  XXXX   XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX THESE BELOW ARE FROM MY BANK ON THE SAME DAY! I SHOULD HAVE NOT HAD TWO INQUIRIES FOR THE SAME THING ON THE SAME DAY! I'M ALLOWED TO HAVE 1 INQUIRY FOR 30 DAYS FOR SAME BUSINESS. 

XXXX/XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX XXXX   Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Product: Mortgage

PNC IS REFUSING TO REMOVE 2 VERY OLD ACCOUNTS FROM THE CREDIT REPORT EVEN AFTER PROOVING THAT THEY WERE IN VIOLATION OF FEDERAL STATUTE OR LIMITATIONS ...
Product: Mortgage

On XX/XX/19 I went to the Navy Federal in Va XXXX ( NMLS XXXX ) to complete my loan application ; I gave them all of the information they needed except for a ratified contract because we were still waiting for it to be signed and finalized ; I was expecting for the application to be submitted with the property to be listed as TBA ; I took a copy of my ID, my income information, my social security card, my tax returns and copies of my bank statement. The agent took all of my information ran my credit and informed me what my rate options were, she also let me know that the loan can not go over 5 % over the life of the loan. After discussing the different rates available I decided to select the 3/5 ARM with a 3.25 % interest rate that would cost 1.25 % discount. I was given a pre-approval letter and left the bank happy. On XX/XX/19 I reached out to the LO assigned to my loan to let her know I had uploaded a few additional documents that were requested ; I also asked her to confirm that I was getting a 3.25 % interest rate at with a 1.25 % discount, the LO responded back on XX/XX/19 and it was at this time I was informed that my rate will be a 4 % with the same discount charge of 1.25 % ; I reached out to the bank and requested to speak with a supervisor who initially referred me back to my LO ; I then asked for someone above the supervisor to call me which they did ; the XXXX, XXXX, reached out to me and let me know that the information I was given was incorrect and that nothing was signed on the day I did the application so the rate was not locked ; I was also advised that my credit score did not qualify for the rate that was given to me even though the rate was discussed after my credit was ran and evaluated. After speaking to the XXXX a person from the Navy Fed call center called me and gave me the same information, she even went belittled me by asking " do you feel like you have A tier credit sir? '' She had mentioned to me that one of my scores was a XXXX and that the scores I had feel into the B tier ; after speaking to her I inquired about the LE, it was at that point I found out that the max rate can be a 9 % not 5 %. I believe as a consumer we should be given fair and accurate information and if a rate was discussed then it should be honored. .75 % is a lot of money over 30 years and to be mislead on information like this should be a serious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXXXX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

My Company received a Domestic wire into our business account onXX/XX/XXXX. I went to the bank that day to do a internal transfer from one CHASE account to another CHASE account, both controlled by our company. 

The Location that I went to was XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX The banker that Originally denied me was " XXXX. '' When asked why, he said that the reason was because even though the money was " available '' to me, before they could transfer the funds, it would need to move past " pending '' status in the account. In order to do that, the money needs to sit overnight. When I said that was unacceptable, he went to get his manager " XXXX '' XXXX told me that it was in fact CHASE POLICY that prevented him from moving the funds and that it was the same across all platforms of the bank. He said the reasoning for it was because a wire can be recalled and canceled within 24 hours. However he did inform me that if I went online, maybe I could transfer the funds. When I asked him how it would be possible for me to move the funds by myself if he couldn't do it, he had no response. 

When I asked if this was discretionary, He told me that the decision was final and it was the banks official policy and not his discretion. 

I have worked for this bank for ten years prior and i am very well aware of the policy. 

Chase, like all banks, have a fairly strict " Available funds '' policy. - Meaning if it's in your available funds, you have access to it. There are certain items that will always count towards " available funds '' ( Cash, Internal transfers and Wire Transfers, to name a few ). 

This manager lied to me and prevented me from conducting my business. He would not even check his own policy and placed artificial barriers ( " settle overnight '' ) to ensure his own safety. He had the audacity to say that it was a policy adopted by the entire bank, rather than his own decision. 

My concern is how many other people he has fed this same line to? How many other people had to wait for their own money because this man decided he was going to create an extra rule to prevent people from getting their own money? He could have lied for years and it took someone who actually knows what the policy is to stop this. 

So the concern is that not only did he cause me an extra hour 's worth of work ( finding another branch and talking to a more informed manager, who not only did the transaction, but also apologized for his ill informed colleague ) but his training on his staff, who will repeat the same falsehoods spouted by their manager.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to request the immediate removal of an unauthorized and unrecognized hard inquiry from my XXXX credit report. This inquiry, made by Ally Financial, appears without my authorization and is not associated with any application or request initiated by me. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, credit inquiries can only be made with my explicit consent or for legitimate reasons. Since this inquiry does not meet these criteria, I request that you remove it from my credit report immediately. 

Please provide written confirmation that this unauthorized inquiry has been removed.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts 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  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and am including it again. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Product: Checking or savings account

Over the course of my banking relationship with US Bank, I have encountered multiple instances of unauthorized overdraft fees being charged to my account, despite having sufficient funds available. These occurrences have raised serious concerns about the integrity of the fee assessment process and have led to a significant financial burden on my part. 

I have diligently engaged in dialogue with your esteemed institution, earnestly requesting the reversal of these erroneous charges and the restoration of the funds to my account. Regrettably, despite my numerous efforts and documentation providing evidence of available funds at the time of these charges, the fees have not been appropriately addressed or returned to my account. 

One specific incident that stands out involves a transfer of funds from one account to another within US Bank, a transaction that should not have resulted in any overdraft fees. Despite having documentation confirming the presence of sufficient funds in my account, an overdraft fee was inexplicably levied. 

As a loyal customer of US Bank, I am disheartened by the lack of resolution in this matter and the undue hardship these unwarranted fees have caused. I believe in the integrity and professionalism of US Bank and expect that my concerns will be met with the highest level of attention and urgency.
Product: Prepaid card

Its an American Express gift card. So it doesnt pass the like 3 cent pre security verification that pretty much everywhere uses. So it gets declined everywhere
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX is fraudulent on my Acct # XXXX
Product: Credit reporting or other personal consumer reports

The document that is below needs to be conducted into an investigation for these accounts doesn't belong to me. I would like for the accounts to be erased from my credit report and an updated copy of my report. Thank you, XXXX XXXX.
Product: Mortgage

I have two loans of two properties with bank of America, I had 18 months COVID XXXX forbearance for both of the loans, between XXXX, XXXX - XXXX, XXXX, which ended end of XXXX, XXXX, I have made XXXX regular payments since then. 
The bank didn't apply the payments and forced me to pay all the payments during the 18 months of forbearance period. Right now they sent me letters said I am in default and they will sell my properties. 
Two loans with them, and the addresses associated with the loan. 
account number XXXX address XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX account number XXXX address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

these companies are reporting fraudulent inaccurate information on my credit report i have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.

I also requested a 1099 c and purchase agreement nothing was provided.

in accordance with the fair reporting act this creditor has violated my rights under 15 U.S.C 1681 SECTION 602 I STATES THAT I HAVE A RIGHT TO PRIVACY.

15 U.S.C 1681 604 ( A ) ( 2 ) STATES THAT REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.