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

I held account number XXXX with BB & T / Truist for several years and typically maintained a balance of several hundred dollars. In or about XX/XX/XXXX, I discovered that the bank had been charging me a monthly account maintenance fee of {$30.00} for several months beginning in or about XX/XX/XXXX. I contacted the bank to inquiry about the charge, they did not provide any specific information about the fee. I asked for the charges to be refunded, and the representative agreed to credit me back for two months of the charges ( {$60.00} ), but said that needed to physically visit the bank branch to have the remaining two months of charges ( another {$60.00} ) refunded. 

In or about XX/XX/XXXX, I visited the BB & T branch located at XXXX XXXX XXXX, XXXX XXXX VA to request that the remaining charges be refunded. I met with XXXX XXXX ( XXXX, XXXX ), who informed me that the bank would not refund any additional charges. As a result, I withdrew the remaining balance from my account ( leaving the account with a {$0.00} balance ) and requested that the account be closed. XXXX XXXX stated that she could not close the account at that moment due to some computer / system problem, but that she would speak to the branch manager to close the account. Based on this conversation, my understanding was that the account would be closed with a zero balance and no fees without my needing to take any further action. 

I subsequently received correspondence dated XX/XX/XXXX from Truist ( attached ) stating that my account has been closed due to an overdrawn balance, including a {$30.00} charge-off fee. They are demanding that I pay {$79.00}, and I have no idea of the basis for that figure. My position is that Truist in fact still owes me {$60.00} from the wrongfully assessed and excessive fees charged to my account during two months in XXXX. 

I appreciate your assistance in helping me recover the {$60.00} in fees, which I firmly believe falls under the category of a " junk fee '', and ending Truists attempted wongful collection of {$79.00} from me. Please feel free to contact me with any questions or if you require any additional information.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, XXXX XXXX inaccurately reported XXXX late payments on my private student loan accounts. These reported delinquencies are incorrect and have caused significant harm to my credit profile. 

On XX/XX/XXXX, I formally disputed these inaccuracies with both XXXX XXXX and the three major credit bureaus ( XXXX, XXXX, and TransUnion ). I provided clear documentation, including payment records, demonstrating that these late payments were incorrectly reported. Despite my formal dispute, XXXX XXXX failed to correct the inaccuracies or provide valid documentation supporting their reporting. 

I followed up multiple times with XXXX XXXX and the credit bureaus, yet the erroneous late payments remain on my credit report. This failure to correct the issue has resulted in financial hardship, including denied credit applications, increased interest rates on existing accounts, and potential loss of housing opportunities. 

I am requesting immediate action from the CFPB to ensure that XXXX XXXX removes these inaccurate late payments from my credit reports within three days. If XXXX XXXX can not verify the accuracy of the reported delinquencies, the entire XXXX XXXX account must be deleted from my credit report to prevent further harm. Additionally, I seek a formal confirmation from XXXX XXXX and the credit bureaus stating that my credit report has been fully corrected. 

If this matter is not resolved within the requested timeframe, I will escalate the issue further through legal action under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). This complaint requires urgent attention to prevent continued financial harm.
Product: Checking or savings account

I had my phone hacked last XXXX XXXX, honestly not sure how long the hacker was in my phone. With in a matter of minutes I received an email from chime congratulating me on a successful payment to another person. Upon getting the email, I discovered not only was I getting that email, but I got another email asking if I logged into XXXX XXXXXXXX, which I had not, so I immediately went to my chime and logged in to discover not only funds were moved from my XXXX  XXXX  card to my checking account all of my savings had been moved to my checking account, and then all XXXX XXXX  being paid to a person I did not know and was not in my contacts through chime. So, I contact chime to explain the situation and that the charge was not only fraud but if the hacker had been sitting XXXX minutes longer, I would have lost my XXXX check as well. They immediately opened a claim, just to go and deny me hours later, I call again get it reopened and place a rebuttal, same result, same problem XXXX  as well, XXXX  comes, and my second rebuttal was denied. I told chime each time I wanted to resolve it in house with them and not have to go other avenues, and now here we are me having to XXXX XXXX. I am attaching all documents I used to help with my case that were sent to chime including a hand written recap with my signature, also recent bank records showing the unauthorized movement on my account which is in XXXX, the XXXX XXXX when my ssi check went in to show how close I was to losing my check, plus the green showing last time I paid a person through chime, I even stated in my last communication with chime the list of known people I have paid and that the name that shows was someone I did not know and I never had authorized to payment to them. The main issue is chime is investigating but only looking at their systems which check clear and will show no error, they are not keeping in mind and looking the fact my phone was hacked so it's not going show anything in their system, all they can see is I was logged in when in turn someone else was accessing my account remotely through my phone without my knowledge, if were not me getting the email, I would have lost a lot more. I have taken extra measures by wiping my phone, even changing pin for the chime app, and chime is aware of it but still won't accept my claim. I hope I don't receive retaliation from chime for getting another agency involved due to the fact chime won't do the right thing. This is the first and last time I'll ever get myself hacked and plan to be XXXX  in keeping everything secure fully.
Product: Credit card or prepaid card

I received an email that said my application for Target RedCard has been approved, but I have not applied for this card, and I called Target Card Services and they told me it's a fraudulent results, somebody opened the account with social security number and driver 's license number, and told me to report this case at ftc.gov, that's why I got here.
Product: Credit card or prepaid card

I recently filed a complaint with CFPB ( # XXXX ) against Vanilla Gift Card regarding XXXX {$200.00} gift card. I received an email today from CFPB that my claim has been closed due to InComm expediting a replacement card through FedEx. This statement is FALSE and fraudulent!!! Not only have I not received a replacement card but InComm does not have my mailing address so how can they FedEX me a replacement card??? This is deceptive and this company should be shut down for lying to a government entity to close a claim. I am asking that I receive my replacement card electronically ( e-gift card ) sent to my email address XXXX for {$200.00} to cover the cost of the damaged card I purchased.
Product: Mortgage

I closed on my home on XX/XX/22 with Navy Federal. I brought up multiple concerns I had with closing costs greatly varying from my final loan estimate that I received before closing and at closing via email, phone, and in-person. Navy Federal refused to acknowledge or correct my concerns. On XX/XX/22, I received a letter giving a post closing lender credit of {$1500.00} due to the errors I had noticed before closing, while this lender credit does help to close the gap between loan estimate and closing disclosure, it doesn't resolve all of the issues. 

The following costs changed from my final loan estimate received on XX/XX/22 to my closing disclosure received XX/XX/22 : My capital contribution for my XXXX and XXXX XXXX XXXX by {$1500.00}, this is what I assume the XX/XX/22 letter was regarding. 
An additional fee of {$150.00} was added " Title - Document Prep '' this fee was not on my loan estimate and since I chose to use Navy Federal Title it is not allowed from being added between loan estimate and closing disclosure. {$150.00} discrepancy My " Title - Lenders Coverage Prem '' increased from {$1900.00} at loan estimate to {$1900.00} at closing disclosure, which is not allowed since I utilized Navy Federal Title. {$18.00} discrepancy My transfer taxes increased from {$4800.00} at loan estimate to {$7100.00} at closing disclosure. This is not allowed to occur since Navy Federal had already reviewed my purchase contract before receiving the final loan estimate. {$2200.00} discrepancy This is a total discrepancy between loan estimate and closing disclosure of {$2400.00} when accounting for the {$1500.00} post closing lender credit already received.
Product: Checking or savings account

Two possibilities on why I had {$5000.00} fraudulently taken from my checking account. 1 ) With Navy Federal Credit Union ( NFCU ), I was trying to obtain a 2nd Mortgage Home Loan. I was denied because my home was in a Family Trust, and NFCU requires the home to be solely in my name. When I was denied, NFCU sent me a " denial package '' on why I was denied. After clicking on the link, I couldn't log into my online banking. At XXXX that night, I received a " Transaction Alert Notice '' saying {$5000.00} was transferred out of my account. I was on the phone with NFCU until XXXX the next morning trying to stop the transaction to a XXXX XXXX XXXX, at a XXXX XXXX XXXX. I don't know who that is! Days later, I called to check on the status of the transaction, and NFCU blamed me for the transaction and denied my fraudulent claim. 
2 ) The only other guess at who is to blame is that I was coincidentally trying to purchase a Metal Building. Part of their process is to take a photo of a blank check and send it to them for installment payments using the numbers on the bottom of the check. I could not get any information from NFCU, other than denying my fraudulent claim, for whatever reason which is unknown to me. I have contacted local law enforcement and a lawyer.
Product: Vehicle loan or lease

This company has denied me a loan when I have a 700+ credit score, 0 % debt to income ratio and a {$10000.00} monthly income. I have paid multiple car loans and dont have any missed payments on my credit report. This company gives loans to clients who make less money, have more debt with a lower score. I feel as if I have been discriminated against because of my age and color. They dont want a XXXX year old XXXX man buying a brand new XXXX.
Product: Credit card or prepaid card

I have had a credit card from Juniper Bank ( Barclays ) for over 10 years - account ending in XXXX. I was cut off from being able to make payments on line. I called repeatedly to get that function reimplemented so I could pay my bill and was told it could not be done. This caused me to fall behind ( it took them two months for them to determine it was not an IT issue but rather company policy ). Additionally, I received a letter in XXXX of XXXX stating that my account was sold to another bank. In XXXX, I was informed that Juniper still held the balance to my account and I was reported late paying as a result. I was than introduced to the possibility of settling. I called multiple times to arrange a settlement and arrived on an agreement which both sides agreeing. I received written confirmation from the credit card in the form of a letter dated XX/XX/XXXX which stated that I had until XX/XX/XXXX to pay the settlement amount of {$2200.00}. Two weeks prior to the deadline ( 2 weeks after the receipt of the letter ), I called the XXXX number to pay the settled account but was referred to a collection agency. I have a letter in writing offereing the agreement- an agreement I am on record accepting, yet immediately after, I am forwarded to a collection agency with them not honoring our written agreement. 

I would like my account removed from collections and our agreed upon settlement amount honored. I have no desire to use the card ( it was closed ) but I would like the derogotory comments removed from my credit report.
Product: Credit card

XX/XX/year>. Is when things started getting worse using this card. I called in to have a purchase declined because the person turned to be a scam. So the card company insist to just cancel the card. And agreed to send another one. Which after XXXX waiting never came another card. They say because the changed card company name. To start over again I would need to continue pay fee even without a card. Although I always sent additional XXXX $ each payment before they changed card co name. So now I'm not understanding. So I give in and agreed to pay off my card and for get it. They refused to except closures. They suggest I send XXXX $ + each mos on XXXX XXXX. No time limit just submit XXXX $ + and all will be completed. I ask pls take off my credit scores XXXX XXXX late each mos its repeated. They say it's the credit company that's doing that to me. They have nothing to do with that. So I'm writing to you. If this is true. Will you pls stop hurting me like this. Are if it's a XXXX stake on yours files. Please correct it. I humbly apologize if I said r didn't say to cause this issue on myself. Please for give me and remove that as soon as possible. Sincerely thank you from bottom of my heart. XXXX XXXX XXXX. XXXX. My phone number XXXX
Product: Money transfer, virtual currency, or money service

I have contacted Coinbase multiple times over the course of XXXX XXXX or so, with the most recent being in XX/XX/XXXX ( tried reaching out again in XX/XX/XXXX but they ended my conversation before I could speak to an agent ), and every single time l get the same response ; that my case is escalated and its out of their hands and theres nothing they can do and that I haveto wait on an email that should arrive in " XXXX XXXX XXXX '' and the email never ever ever arrives and Im tired of hearing the same thing with no resolution. As I mentioned above, I tried chatting with an support agent once again the other week and it kept saying to wait " XXXX XXXX ''. That went on from XXXX to XXXX XXXX that day! I finally connect and the agents says to give him a moment to review my conversations for a better understanding of my situation and he disconnects within minutes! I am at ends with Coinbase and need your help to finally unlock my account and have access to my funds/holdings again! Please and thank you.
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by ChexSystems. I submitted a complaint to ChexSystems regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, ChexSystems is legally obligated to respond within XXXX  days of submission. However, it has now been XXXX days since my complaint was filed, and I have not received any response from ChexSystems. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that ChexSystems address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$1700.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I XXXX XXXX XXXX, A real human being in the flesh mind body and soul writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX XXXX. 
2. My Address : XXXX XXXX XXXX, XXXX, Tennessee XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Page 26 | 43 Please send an updated credit report once the changes are complete to my contact information listed.

My contact information is as follows : Name : XXXX XXXX XXXX XXXX. 
SSN : XXXX Address : Your XXXX XXXX XXXX XXXX, Tennessee XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Enclosed : copy of State ID and Utility bill showing proof of address
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion have willfully failed to comply with any requirement imposed under this subchapter 15 USC 1681. I sent letters to the XX/XX/2022, letting them know that they have posted inaccurate information on my consumer report. 
Under the FCRA they have violated 15 USC 1681i. 

Please see attached letters that were sent
Product: Debt collection

On XX/XX/2017 I received a letter and a copy of an " Association of Council '' from the Law Offices of Patenaude & Felix A.P.C. informing me that they were representing XXXX against me. My account is current and I have never been late. I called XXXX and they informed me that they have not assigned this " law firm '' to represent them against me and asked me to fax over the letter I received because they had no knowledge of it. I have read several reviews of this company stealing money from people via getting judgements to collect on erroneous debts and illegally garnishing paychecks and bank accounts.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Why I am seeing inconsistent personal information reported across the three credit bureaus? This inconsistency is a direct violation of Metro 2 compliance standards and the Fair Credit Reporting Act ( FCRA ). My personal information must be accurate and consistent across all credit bureaus. 

Listed below are the Personal Information that are being challenged Incorrect Current Address : - XXXX XXXX XXXX XXXX, XXXX, IL XXXX Incorrect XXXX : XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Incorrect Name : - XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted FTC reports Credit bureaus failed to submit proof of account ownership. 
XX/XX/year> I filed a complaint. I was never sent any information on these 3 accounts XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE DISPUTED THIS ITEM WITH EEACH CREDIT BUREA AND THEY HAVE ALL FAILED TO PROOVE ME WITH ORIGINAL WET INK SINGATURE CONTRACTS VERIFYING THAT THIS INFORMATION IS ACCURATE. THE DOCUMENTATION PROVIDED IS NOT ORGINAL, can be FORGED, and is not valid proof per FCRA LAW. FCRA 609A REQUIRES THESE AGENCIES TO PROVIDE ME WITH ORIGINAL WET INK SIGNATURE CONTRACTS, which have not been provided at all nor in a timely manner. IT IS THE DUTY OF THE CFPB TO ENFORCE THIS WITH XXXX, XXXX, AND TRANSUIONS. I HAVE BEEN STALLED, sent multiple disputed regarding XXXX, XXXX XXXX XXXXXXXX XXXX XXXX. THESE ITEMS DO NOT BELONG TO ME. UNDER SECTION 605B OF THE FCRA I REUQUESTING THIS INFORMATION BLOCKED AND PERMANENTLY DELETED. I have filed a claim against each agency reporting false information to my credit report. I will sure each agency who continues to do so. UNTIL THIS MATTER IS RENDERED I AM REQUESTING THAT ALL I FORMATION BEING REPORTED REGARDING THESES ACCOUNT ARE STOPPED, AND DEEMED UNKOWN UNTIL DELETED. I HAVE NEVER SEEN OR WITNESSED ANY CONTRACT.
Product: Student loan

My loans were transferred from XXXX to Nelnet some years back. During the time of transfer, I had automated payment scheduled for XXXX XXXX and used to make payments to XXXX XXXX through auto pay. My interest rate was fixed at 1.25 %. Upon three months of the transfer, Nelnet stopped drawing the funds through auto pay, and claimed I missed two payments. Since I missed those two payments, they doubled my interest rates to 2.5 % along with adding late fees. When I called and complained they stated I needed to fill out a form and authorize Nelnet to draw funds from my account. I was completely unaware of all of this. My complaints on this issue were not considered and my interest rates have remained doubled then what they should be. I did n't know where to go to complain until I heard about the BCFB lawsuit against XXXX. Please help resolve this issue.
Product: Debt collection

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below BANK OF AMERICA XXXX