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

Prosperity Bank in XXXX lied and charged me fees I specifically asked about. When I was going to school in XXXX, I opened an account here. I also had one in XXXX with my parents. I had to move to XXXX  for work. Before I moved, I called specifically to ask if I would get charged any fees on my account. I was told that I would not because I have another linked account that is over the daily balance. So I kept the account open so that I could move money between just in case. They never asked for an updated address even though I mentioned moving. They never updated my XXXX  address, so I never received the statements. I logged in and realized that they had been charging me {$10.00} a month for the last year. I've tried calling customer service but they said a local branch manager has to authorize any refunds on fees. I've been trying multiple times and haven't been able to get a hold of said bank manager. The last time I called, I even tried to go through customer service to connect me to the bank manager but they were " too busy '' to talk to me. I'm a medical resident working sometimes 80 hours a week in XXXX  and the hours are really difficult to line up and speak to this person. Their behavior is predatory, and they are lying and hoping people won't notice This has been my worst banking experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account number : XXXX has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer reports as they are in VIOLATION!!!

Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

This company has place a fraudulent account on my credit report ( per their response ). I do not know them. Nor have I ever done business with them and if I have please provided the contract I signed with your company at the date of origination. The response stated to provide them more information and I refuse to help them do their job. If you cant find my account with my name and the information I provided then please remove your fraudulent account of my credit report before I take further action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a letter from a debt collector, XXXX XXXX XXXX, regarding the suspension of consumer XXXX credit card ( driver license card ) ending XXXX, dated XX/XX/22 as abusive, unfair, deceptive, the implication of bond with court in violation FDCPA 1692e ( 1 ). 

This unauthorized action of debt collector pursuant to 1692i ( b ) has violated my right of privacy in reporting to Checkr a consumer reporting agency for which the report is disputed.

Pursuant to 12 CFR 1016.15 ( a ) ( 1 ) I revoke the consent and direct Checkr to cease and desist, as right to opt out, use of personal information and injurious negative information.

The report has impacted me negatively in 1692 ( a ) ( 1 ), as I have lost my job.

Checkr is instructed to delete all my personal information in accordance to 15 U.S.C. 1681b ( a ) ( 2 ).
Product: Vehicle loan or lease

On XX/XX/2024 Navy Federal Credit Union received personally guaranteed security interest from me for the purpose of receiving an auto loan, they've refused to honor the instrument provided to them in good faith and ceased all communications with me regarding this matter.
Product: Student loan

I updated my account info with AidVantage, my loan servicer, on XXXX and tried to make a {$400.00} payment which was reversed same day. I made a {$490.00} payment on XX/XX/XXXX, also reversed. I tried again with a {$490.00} payment on XX/XX/XXXX which reversed. The reasoning for each reversal has been that they could not identify a bank account using my account and routing number. When I called, the supervisors recommendation was to re-enter my bank account. Before then, the representative was encouraging me to make a payment via credit or debit card, which I refused to do.
Product: Mortgage

I applied for mortgage financing through American Capital Real Estate Lending with XXXX XXXX XXXX ( NMLS # XXXX ) as the Mortgage Specialist on XX/XX/2021. XXXX gave me information related to the loan inquiry and we agreed to move forward in the process with a credit pull for the mortgage loan application. XXXX stated that he would have information to me the next day and sent a follow up communication. 

Following the email, I completed the application process in the online portal and sent XXXX an email noting completion. After 2 days I had not heard from XXXX and needed to move forward with a real estate transaction, it was the weekend so I expect that he was likely not available. I sent an email on XX/XX/2021 with the updated information for the loan amount and asked for pre-approval documentation. 

On XX/XX/2021 I called XXXX noting the aforementioned information. XXXX stated that he was out of town and had just got back and that he would complete the process over the phone. I gave him all the information I had already entered into the system and he stated that he needed to do a credit pull to verify creditworthiness. I agreed believing that a prior credit pull likely wasn't performed ( note - the first credit pull did go through on XXXX XXXX from XXXX XXXX ). XXXX pulled my credit again on XX/XX/2021 ( credit pull from XXXX XXXX ) and stated that he would have a quote to me by XXXX. 

I did not hear from XXXX until receiving an email on XX/XX/2021 ( a week later ). At that time I had move on to another lender. I responded to the email on XX/XX/2021 letting XXXX know that I was disappointed in the communication and the fact he ran my credit twice. XXXX did not respond. On XX/XX/XXXX another email went out ( two weeks from initial contact ), since this email followed the week pattern, I'm assuming the emails on XX/XX/2021 and XX/XX/2021 were automated emails. I selected unsubscribe and moved XXXX to the spam box. On XX/XX/2021 another email was sent from XXXX. It landed in my spam box. 

There is no dollar value damages involved, although there may be an impact credit wise on my behalf. This complaint is submitted to make the CFPB aware of a practice by a noted NMLS member that was adverse to a consumer and to ensure future consumers receive professional services from XXXX.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees 1 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 for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent XXXX XXXX member service a Cease & Desist letter in regards to account ending in XXXXpursuant to 15 USC 1605. XXXX XXXX XXXX XXXX member service sent me a letter stating they will stop all forms of communications in regards to account ending in XXXX ( letter attached ). XXXX XXXX Member Service closed down my account, they have also continued reporting false information on my credit report. Stating that I am 90 days past due on account ending in XXXX, which i am not able to make payments online, through mail, or phone. XXXX has continued to violet my consumer right 15 USC 1692 ( c ) ( c ). I have requested that multiple times that the cease all form of communications and also threats in regards to account XXXX  ( violation 15 USC 1692 ( f ). attached are sent threats by XXXX of paying {$20000.00} on a {$7000.00} owed account which was not mines .Attached are my credit reports showing XXXX XXXX member service still attempting communication of account XXXX by stating that its 90 days late.
Product: Credit reporting or other personal consumer reports

Inaccurate information reporting to my file, I wrote these companies over thirty ( 30 ) days ago requesting a copy of any contract or proof of liability for these accounts but have not received any reply. These accounts are not mine. Please delete these accounts, as required by law, from my records in a way that they will not re-report at any point in the future.
Product: Credit card or prepaid card

There were fraudulent charges on my Bank Of America credit card account. The card was closed, the fraudulent charges were disputed, new replacement card was sent to me and temporary credit was provided for the fraudulent charges pending investigation. After investigation, company is saying that some of these disputed charges are legitimate ( meaning I am responsible for these charges ) and re-imposed these charges in the new credit card bill. But clearly these charges were not done by me or any one of my family members and some of these charges were in places where we have never been. I have raised these issue with the bank but they said that they can not do anything about it since these charges look legitimate to them and it is based on their investigation and I have no option but to pay these charges. This is totally unacceptable to me since neither me nor any of my family members did these charges and the credit card in question was in possession of me during the time of these charges and we have never been to these places where these charges were made. 
The charges are : Posting Date Description Amount XX/XX/2021 : XXXX XXXX XXXX GA {$5.00} XX/XX/2021 : XXXX XXXX XXXX GA {$8.00} XX/XX/2021 : XXXX XXXX XXXX GA {$5.00} XX/XX/2021 : XXXX XXXX CA {$7.00} XX/XX/2021 : XXXX XXXX XXXX {$64.00} XX/XX/2021 : XXXX {$14.00} XX/XX/2021 : XXXX XXXX {$3.00} XX/XX/2021 : XXXX {$14.00} Total fraudulent disputed charge amount : {$120.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX to test drive a vehicle on XX/XX/2020. I left without purchasing a vehicle and continued to receive many notices of credit inquires days later after I had already said I did not want to purchase the vehicle.
Product: Credit card

I opened a new Skypass credit card on XX/XX/year>. The advertisement of the credit card noted that I will receive XXXX sign-up bonus miles once my spending reaches {$4000.00} within 3 months after opening the account. I spent more than {$4000.00} within 3 months, eligible for receiving the promised bonus miles. However, as I did not receive the sign-up bonus miles, I contacted the card company to resolve this issue. They verified I did not receive the miles. The letter from the credit card company states, We are unable to process this request because existing or previous SKYPASS Visa Signature cardmembers are not eligible if you have received a new account bonus for this product in the last five years, which is their new policy. There wasn't this policy when I opened the new credit card. If there were this policy at that time, I would not have opened this new card. While I opened a new credit card from this company before the new policy was implemented, they retrospectively applied the new policy to me. This is a problem.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts listed below from my credit report. I am a victim of a data breach, and these accounts were opened or reported without my knowledge or authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed as they are the result of identity theft. 
Fraudulent Accounts : XXXX  XXXX - XXXX - XX/XX/XXXX - {$55.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$440.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$730.00} XXXX - XXXX - XX/XX/XXXX - {$520.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to US Bank to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing US Bank to pull my credit on XX/XX/XXXX, if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately. 

They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX XXXX XXXX as of XX/XX/XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 
[ XXXX XXXX I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. I is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable te provide that proof, or if lacking proof of these payments being late. please update my_payment history to PAANL status ( Paid As Agreed Never Late ) according to consumer protection laws
Product: Credit reporting

The State of Alabama incorrectly filed a lien against me in 2013. They have since rescinded the lien back to its original date of XX/XX/2013. Transunion refuses to acknowledge the rescission and continues to erroneously report the lien as " Paid, Rescinded. '' It was never paid and they have no documentation to support their claim.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received a physical denial letter for a business revolving line of credit, application number XXXX. Reason for Denial : ( 1 ) Insufficient information on your Business Report ( My Business relationship started with BofA over two years ago, you can not open ANY business accounts without all details of your business & personal info verified ) ( 2 ) Your credit report indicates that not enough time has elapsed since you opened your most recent credit account. ( I opened a Business auto loan w/ BofA at the end of XX/XX/XXXX, Business CC 2/ BofA XX/XX/XXXX with {$0.00} balance to date. The business bankers ( spoke with 3 of them ) confirmed each product is different and does not weigh against each other - underwriting stated the opposite. The Red Flag is " Insufficient information on your Business Report '' I had to call and ask the following questions I. What business reports are used ( I had not received any letter or phone calls ) II. How can the information be insufficient when I am currently a business customer with active business & personal information/accounts. I opened a case with XXXX - Case Number XXXX - As soon as I uttered the words Bank of America this statement was stated to me " XXXX can not be used in whole or in part as a factor in determining eligibility for credit ''. The individual in underwriting claimed they could not validate my business information hence the " insufficient information '' remark. When opening this case I asked XXXX to mail me a list of vendors that report to them ( can not provide ) and who they receive their information from. I was informed they receive their information from " multiple '' data sources. My data is accurate with XXXX, XXXX XXXX XXXX XXXX XXXX, where else could this information come from? XXXX XXXX is used to compile a businesses credit score for XXXX XXXX. None of my business information or risk indicators are correct on the report I received from XXXX XXXX ; we went through every incorrect error including the date my business was established which is WILD! This information should NOT be in use at ALL, I know I am not the only business owner with this experience. This is the longest complaint I have provided, but a resolution for everyone needs to happen with XXXX and XXXX
Product: Mortgage

Refinancing with Wells Fargo Home Mortgage. They are lying and deceiving the females, handicap, and disabled. 

The reason why I didn't pay anything upfront YET was because I was a bit suspicious that the interest rate they were applying was at 4.165 %... When I checked with XXXX, the refi fixed rate is standing at : 30 Year Fixed Refi 3.45 % 3.16 % 15 Year Fixed Refi 2.66 % 2.49 % They are aware of the Credit Fraud ( 27+ years and still protected ) that which is documented with the XXXX XXXX XXXX XXXX Locally and Federally ) and the OPM has me set up for another 10-12 years due to ID Theft & Fraudulent use of my information. So they calculated my score as XXXX... This is a 20 year Conventional Refi for only {$48000.00} I've been with XXXX/Wells Fargo XXXX Wells Fargo bought XXXX in XXXX and the entire account was merged over in XXXX ) since I bought this property in XXXX. Never defaulted, never was late, had to pay additional {$12000.00} UPFRONT because of Wells Fargo 's Errors? 

PROBLEM? 

My ex-husband ( Not only did I speak with him, I saw the loan as well, all documentations ). HE has a poor credit score of XXXX but he was approved several months ago for a 2.1 % - 15 Year Conventional? AND HE HAS FILED BANKRUPTCIES THREE TIMES OVER! ( Last one,6 years ago, 2nd time - 9 years ago, and first time in XXXX ) And he got a loan for {$220000.00}. He had his closing within 2 weeks. 

AND NO APPRAISAL OR HOME INSPECTION WAS EVEN REQUIRED FOR A REFINANCING OF HIS PROPERTY. 

BUT THEY ARE ALSO REQUIRING HOME INSPECTION AND APPRAISAL ON MINE? 

I DEMAND ANSWERS...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX Account # : XXXX High Balance : {$1300.00} Account Name : XXXX XXXX Account # : XXXX Account Name XXXX XXXX XXXXXXXX Account # : XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX  XXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX has violated my rights. 

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
Product: Mortgage

Since system merger between Suntrust and Truist, the new bank will not let me make my mortgage payment from a non truist account. I had to put the payment on my truist credit card, incurring a {$45.00} cash advance fee. When trying to make a payment from a non truist account the system says I need to be rerouted to Mortgage Servicing Platform. It never reroutes me. Further, MSP is an industry software package that is not user friendly in the least. Truist is making it impossible to pay my mortgage on time without incurring a significant fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX my SS # XXXX. 
I WAS GOING OVER MY CREDIT FILE AND I SAW SOME ITEMS THAT ARE DEFINITELY NOT ACCURATE!! Please delete and remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The cellphone numbers on my credit report are not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

I have a secured visa card from Bank of America. I have had it for nearly eight years. When I originally got the card I was told that after a year I could get my deposit back and turn the card into a non secured card. I was also told that my account would be reviewed every six months for a increase. It has never been increased expect for last year for a emergency. The increase was for one week. I have been told several times that I was due an increase but nothing ever happens. It also has not helped my credit score. It has been the same for the last seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries Transunion company report 1 ] XXXX XXXX XXXX 2 ] XXXX XXXX  XXXX 3 ] XXXX XXXX 4 ] XXXX XXXX XXXX 5 ] XXXX XXXX  XXXX 6 ] XXXX XXXX  XXXX 7 ] XXXX XXXX XXXX 8 ] XXXX XXXX XXXX XXXX 9 ] XXXX XXXX XXXX 9 ] XXXX   XXXX 10 ] XXXX XXXX XXXX XXXX 11 ] XXXX XXXX  XXXX 12 ] XXXX XXXX  XXXX 13 ] XXXX XXXX XXXX Already I spook to customer service and send them letter to request remove this inquiries from my credit because never apply any about those companies and I am victim the inquiries issue
Product: Credit reporting, credit repair services, or other personal consumer reports

From the month of XXXX, I have been contacting Ally financial to pay the minimum monthly payment and I have n't been able to. Ally financial, has blocked me from making online payment, XXXX XXXX and XXXX XXXX. I went on XXXX, to XXXX to make payment to Ally financial via XXXX XXXX and on the screen the customer service representative said that she had never seen a message across the screen instructing me to call into Ally because there was a block on it. Moments later, I called into ally 20 times to be exact to correct the problem, and they stated they received a fraudulent check from me. I do n't even have checks and have always used online banking, ( which I 'm blocked from as well ) but the rude customer service rep in the fraud department stated that their was a check but it the check was n't written by me at all. Ally Financial has blocked me from all ways of making a payment, and I have lates on my credit from it ... Ally financial is also aware of my difficulties of making payments because they blocked me from all forms of making payments.