23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

First National Bank took over Metro Bank. Due to the level of customer service I received, I made the decision to close my account. Prior to closing my account a recurring payment caused my account to be overdrawn, to which I was charged substantial fees. I went to the bank in person on XXXX XXXX, 2016 and closed the account. The account was brought to a zero balance. Without my knowledge or consent, on XXXX XXXX, 2016, the account was reopened due to a recurring payment of XXXX. Now, as of XXXX XXXX, 2016, my account has a negative balance of {$68.00} due to overdraft fees, many of which are being charged every three days. I was not made aware that this would happen nor that they even reopened my account, so how would I have known that I was even overdrawn and that fees were being applied? This is unfair and deceptive to myself and other consumers. I called to speak with a manager located at the XXXX XXXX branch in XXXX, PA, who was very snippy with me even when I said that I would be filing a complaint with the CFPB ; her response was " If you feel the need to do so, go ahead. '' It is important to note that when the account was closed, I was never made aware to cancel my recurring payments. I assumed that like other companies ( Such as XXXX ), I would receive an email stating that my payment information needed to be updated. Never did I imagine that a closed account would be reopened without my knowledge.
Product: Checking or savings account

XXXX FOUND EMAIL THAT WE DID NOT SEND WHICH LED TO US FINDING OUT THAT OUR BUSINESS LINE OF CREDIT WAS MAXED OUT AND CLOSED. MONIES WERE SENT TO A FRAUD ACCOUNT WHICH IS ALSO FROZEN FOR FRAUDULENT ACTIVITY THAT WAS OPENED IN BUSINESS NAME THAT WE DID NOT OPEN.
Product: Credit card or prepaid card

I have been a member of XXXX XXXX XXXX for many years. Last year they offered me a credit card and I agreed. Months later I came across a bill from XXXX XXXX. I didn't even know who XXXX XXXX was. But here was a Bill for almost {$100.00}. I called them to find out why they were charging me. 

Their rep explained to me that a charge of {$40.00} was for my yearly membership at XXXX XXXX. It was taken out automatically when due. I certainly was not aware of this. They have always told me at checkout that my yearly membership was due and I would include the fee with my purchase. 

I now understood what happened but was very angry. I had a very good credit rating and received many offers for additional credit cards. So, certainly I could have received their bill and not knowing what it was, just another offer for credit, and just discarded it like all the rest. 

There was No XXXX XXXX markings. There was nothing to distinguish this as a bill. I was not expecting a bill. I explained all this to the bank rep. I was speaking to and told her that I was going to send her the {$40.00}, but she should immediately close this account. 

I immediately did pay the {$40.00} which they charged my card but they kept sending me additional bills. I went to XXXX XXXX  and explained all this to the service person there and once again instructed her to close this credit card account. She called XXXX while I waited with instructions to close this account. They continue to send me bills. 

A short while ago I received an email from XXXX. I replied to the email that as I stated previously, my wishes were to close that account immediately. 

Now, most recently, my regular bank, XXXX  XXXX XXXX which I have been with for as long as they have been in XXXX, CT and the people at that location before them. They have now just informed me that one of my cards from them, ( I have three ) they were reducing the Limit from {$1000.00} to {$500.00}. 

Now I notice my other cards have increased rates. Which they explained that my credit rating has changed and they, in essence, had to adjust because of my activity with " Their Affiliate '' Bank. I am XXXX years old and now I am awake nights thinking about this abuse. 
Having greedy banks prey on Senior Citizens is not my favorite subject. 

If not corrected very soon, I shall have no choice other than to bring a law suit. Not only against XXXX, but also against XXXX XXXX XXXX for establishing a Monopoly where this is illegal. These people have now abused the law and violated my Civil Rights. 

Thank You for Listening. Respectfully Yours, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is a credit card that belongs to my mother in law. Sometimes i handle her affairs on my own credit card but she offered to add me as an authorized so she wouldn't have to reimburse me. I asked her if the balance was below 30 % ans she said yes as she just paid it down. Upon her adding me a return check was issued which took the balance over 30 %. Shes elderly and forgot to change the bank. once she noticed that she immediately paid back what was returned for the payment that didn't go through. Unfortunately the account is now showing on my report as high usage and my mortgage broker is having a fit because i settle on my home next week. I sent over a request via all three credit bureaus but no one is responding. Please do not ignore my request as this urgent to fix the balance as a courtesy. Shes elderly and didn't mean to do this as this was her first time making this mistake.
Product: Debt collection

My XXXX XXXX collection is incorrect. The account I opened in 2009 was closed and zeroed out before service was discontinued and a payed in full status was never restored. I submitted bank records to show the ACH payment made before my account was closed in 2009.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX XXXX, ACCOUNT # XXXX XXXX XXXX XXXX Account name # XXXX XXXX, ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. states I have a 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 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 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 a reasonable cause to believe that the information is inaccurate.
Product: Debt collection

In 2017, I had my wages garnished unfairly by Pressler & Pressler for a debt that resulted due to identity theft for {$2000.00}. Theyre very nasty people & theyre sneaky people. I went through financial hardship & I was at risk for being homeless & I was struggling to pay my other bills. They didnt care about that. Watch out for Pressler & Pressler, they have a reputation of being scum bags just look at all of the complaints against them. Im trying to do everything to recover the stolen money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I went online to Experian and tried to unfreeze my credit report as I am trying to prequalify for a mortgage. Although I keep careful records, the pin number I entered was apparently incorrect. After several phone tries, I finally got through to XXXX who, after XXXX minutes of having me try to unfreeze it online ( even though I told him the pin would not work ) finally told me he could overnight mail to me a pin for a {$20.00} charge. I agreed to the fee and he said it would be overnight mail to arrive by XXXX on XXXX. 

Today I went home - took an hour off work - a little after noon to find there was no Fed Ex envelope. I called Experian and was connected to XXXX. XXXX told me that it was not yet XXXX XXXX time - I was not informed that the delivery would be based on XXXX time! Then I asked her for a tracking number so I could track delivery and know when it got delivered so I could retrieve my envelope. XXXX could not provide a tracking number. I then responded with the fact that without a tracking number we really do not have any way to know if the document actually was sent on XXXX as promised for XXXX delivery. She responded that was right. With that, I asked to speak to a supervisor ... 

XXXX put me on hold for a minute and said the supervisor said I should give it more time and call back in a few hours. That was not what I requested so I again asked to speak with a supervisor. XXXX proceeded to tell me what she was told and that I could not speak to a supervisor. I asked again and she finally transferred me. After several rings the phone was picked up and immediately placed on hold. I sat on hold for 28 minutes ( screenshot of my phone is attached - of the 36 minutes of the call, 28 minutes were on hold ) at which time I had to finally hang up as I was back at work. 

None of this is acceptable ... taking care of the customer aside, the fact that the pin number to my account may or may not have been mailed to me ( or somewhere else? ) and there is no tracking number is just another example of the poor job Experian does of protecting our information ... As for customer service - the only service they offer is really low quality, uninformed, and an " I couldn't care less about your problem '' attitude. As for the supervisor ... that person should be fired! 

This is a credit monitoring company. How can a company responsible for such sensitive information about citizens be so careless in their work and still be able to operate.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX was in contact with XXXXXXXX XXXX XXXXXXXX to refinance my mortgage and to pull equity out of my home value to pay off some of incurred debt around XX/XX/XXXX, they instructed me not to pay any of credit cards due them going to paid off from the new loan agreement after months of push back we didnt until XX/XX/XXXX, which resulted in my XXXX XXXX credit card being marked late as well on my credit report. My loan with XXXX was immediately transferred a few days later effective XX/XX/XXXX stating my first with XXXX was XX/XX/XXXX due to my error I didnt realize that I had to pay XXXX loan payment on XX/XX/XXXX. My credit is reporting that I am currently 90 days late on my mortgage which is incorrect, due to my own error and my loan being transferred to XXXX I technically am only 30 days late on my mortgage loan. I have attached loan documents supporting this claim as well as the loan transfer letter, XXXX mortgage loan statements from XXXX, my previous mortgage loan lender payoff letter from XXXX XXXX XXXX XXXX my XXXX XXXX XXXX. I have also disputed this issue with all 3 credit bureaus XXXX, Equifax, & XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Consumer Financial Protection XXXX, XX/XX/2023 According to the Fair Credit Reporting Act 15 USC 1681 section 602 a state " There is a need to ensure that the consumer reporting agencies exercise their given responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX and XXXX are consumer reporting agencies and I am the Consumer who has the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) .Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

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

The Three Major Credit Reporting Agencies have for many years published inaccurate information on my credit report. There are 7 seven separate Department Of EducationXXXX XXXX student loans that are reporting errors filled information. I have never been late on my student loans, and in spite of a perfect payment history- Experian/ XXXX XXXX all report a " 90 day late '' which they are saying has been " validated '' with the lender. This is an impossibility, because how can I have a " paid as agrees '' in XXXX of XXXX followed by a " 90 day late '' and after that " paid as agrees ''? This makes no logical sense. I need the bureaus to update this derogatory mark " paid as agrees '' or " No Data ''. I can not have my financial wellbeing be impacted due to their errors. 

Also, I have a recent derogatory mark from " XXXX XXXX ''. I have my last bill before I terminated service and what the bureaus have published is absolutely false! I even went as far as sending in via USPS ( certified ) a copy of the bill in question. Unfortunately and unlawfully, they have indicated that the negative mark has some how been validated. I need this removed ASAP. 

XXXX and XXXX are inaccurately reporting a " XXXX '' account from XXXX, they are claiming that the account has been charged off. I do not have a recollection of association with this account. 

XXXX is reporting that I have two requests for credit from a company called " XXXX XXXX ''. I do not recall doing business with the company and want to have it validated
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts listed in my credit report, as I have been a victim of a data breach. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am exercising my rights as an identity theft victim to have the following fraudulent accounts removed from my credit file. 
The accounts in question are as follows : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I Recently Purchased A Copy of my consumer credit report and learned that I have ( 14 ) unauthorized hard inquiries hurting my credit report. I did NOT authorize anyone to MIs-REPORT or fraudulent use my social for any purpose or matter without my written consent please remove immediately. 

XXXX XXXX ( Auto ) XX/XX/XXXX XXXX  XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX
Product: Mortgage

I fell behind on my mortgage in the past. I ended up catching up and paying everything that was late. I was told that I had to go through a loan modification. It was explained that the Bank fies thru my reason why I was having trouble, and possibly lower my interest rate, modify how much I have to pay each month to make it more affordable. But that it will not change any other aspect of my loan. Basically they Look to see if I qualify for federal funded loan modifications that will help me and my family. I paid everything that was behind. Mr. Cooper would not allow me to make a partial mortgage payment. I would be about XXXX Dollars Short of a full payment and they would say Im sorry. We dont accept Partial payments. And Id tell them its only a few Dollars Short. I felt like they were doing their best to stop me from making payments on my house. I was told to apply for a loan modification. Was told that they look at all the info and will drop the interest rate, lower the payments. But they couldnt tell me until the loan specialist goes thru my application first. I was also told that this was the only way to save my home from being foreclosed on! 
I had no clue that they had changed anything on my loan at all bc the interest rate stayed the same. I made a payment that caught me up from 3 months behind. And for some reason I had to talk to Mr. Cooper some year or years later and discovered that they had added almost another 30 years to my loan!!!! I had a 30 year fixed rate at 6.5 %. When I found out that my loan was now at 59 years, I thought this is a mistake. I have to call mr Cooper and Talk to them and let them know that Id already been living in the house and had been for about Ten plus years. I expected about 20 years left on my loan. The lady i spoke to told me that my loan is a 59 years left!!! 
I was told explicitly that the terms of my loan would NOT CHANGE, EXCEPT TO MAYBE LOWER MY INTEREST TO HELP ME AFFORD MY PAYMENT!! 
Especially since I paid my loan to make it current! XXXX is what I was behind. And I paid that. They didnt do anything to help me lower any payment amounts!! I was told that I had to do this to save my house. Mr Cooper did absolutely nothing for me. I had no clue they had added decades to my mortgage. Bc I was told they do not touch that! That they are here to help people in financial distress Save their homes. Then said that there are federal laws they have to follow and they could not do anything like the Horror Stories I have brought up to them. They said the federal regulators watch the mortgage business too close to defraud people. 
Mr Cooper Took advantage of me for multiple reasons. I ) I was stressed out. 2 ) used there authority to commit fraud against me. 3 ) told me it would save me money. There were multiple lies! 
I Need help. I am a father of XXXX. I have worked very hard for a modest home. I literally paid what I was behind and brought the loan current on my own. They lied to me, tricked me, used me. 
Im going to Expose this corrupt XXXX on XXXX. I Need help to protect my family against this corruption!