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

US Bank charged thousands of dollars unnecessary fees when I had genuine right to dispute things like being charged twice or XXXX right to refund as trains were late 2 hours both forward and back from New York XXXX. Genuine disputes included XXXX posting a new York hotel price of {$89.00} and actually charging {$110.00}, XXXX charging {$320.00} and both reverse and forward being over XXXX hours late, XXXX and XXXX charging a bill even though I told them not to, a number of other charges I cancelled, a taxi cab charged twice, a XXXX Charged multiple times for some reason the staff member swiped repeatedly. Genuine disputes resulted in overdraft fees when not XXXX of them were necessary. They were all genuine disputes like I told XXXX, XXXX or other companies that I did not want to make payments as employers did not pay. 

Please ask US bank to overturn the thousands of dollars in fees and charges. XXXX company pay day loan company XXXX XXXX and XXXX had me pay XXXX to each of them, but US bank also charged thousands of dollars in fees when XXXX and XXXX pay day loan group had already paid the debt through a different US Bank account through over drafting the account when I particularly told US bank they should decline the charges XXXX and XXXX put through as not enough money. XXXX accounts they have in collections involve debts that are just made up and are not needed ; unneeded overdrafts creating debts. The fact that a pharmaceutical sold by XXXX 's caused me to throw up after an XXXX trip to XXXX XXXX as I had been beaten with XXXX XXXX broken bones coming home from work after XXXX is just a dispute ... genuine dispute .... but not a reason to charge many overdraft fees. Disputes are not reasons to charge thousands of overdraft fees impoverishing people like me exposed to XXXX at the University XXXX XXXX as my first XXXX degree XXXX. A consumer should be able to dispute buying a lot of XXXX food linked to vomiting and dispute the fair or charge without being charged unneeded overdraft fees amounting to over XXXX. XXXX in overdrafts really is ridiculous I was told that number by XXXX of the employees over the phone that that was how much they charged for this year.
Product: Mortgage

In XX/XX/2020 I asked mortgage company to end my escrow account. I wanted to pay my own property taxes and home owners insurance as for two year they underestimated the cost. Each year my escrow cost increased and I had to pay extra for the shortfall. Mortgage company sent me a letter stating I needed to pay shortfall which I did in XX/XX/2020. Since then I have just been paying interest and principle. Mortgage company keeps sending me notice of missing escrow amount. I have called numerous times in XXXX XXXX and XXXX about this issue. I confirmed they cashed my payment for escrow deficit but they have not updated my account. Their customer service has promised a manager would call me, that problem would be fixed mid XXXX and even a week later in XXXX. All these actions have NOT occurred. Talking with their customer service is useless as these employees can do nothing and they have said I cant talk to anyone in the escrow department Union Home Mortgage XXXX New Jersey
Product: Debt collection

XXXX 's client XXXX XXXX is an identity theft victim. His information was used without his consent to establish an account with XXXX XXXX. While reviewing his credit reports he found an account from XXXX with Bank of the West ( BOW ). In an effort to obtain information about this account an official debt validation letter was mailed to BOW XX/XX/XXXX, certified mail with return receipt XXXX XXXX XXXX XXXX XXXX and was delivered to BOW and signed for XX/XX/XXXX at XXXX XXXX. XXXX never sent a reply or any account disclosure information to my client concerning the reported account. A credit report obtained XX/XX/XXXX shows the BOW account stuill being reported to XXXX and XXXX. This action is a violation of both FCRA and FDCPA consumer law by BOW.
Product: Debt collection

We've made numerous payments to this company sending them to collections. The collector sent it back to them stating it was in good standing. And now we made a payment I Believe XX/XX/year>, and the collector receiving the dept I believe the XXXX of said month. We asked them to validate everything about the debit including correct birthdates and social security numbers which they refused to do. They have been sent a copy of the receipt and refuse to acknowledge it
Product: Credit reporting

Equifax removed inquiries from my credit report and then re-inserted them without notifying me. The non-notification is a FCRA violation and I would like the re-inserted inquiries removed as soon as possible. I tried to call but the wait time is too long. I called 3 other times and the lines were busy.
Product: Credit reporting or other personal consumer reports

I disputed these items previously and the results were on the disputed items were " verified as accurate ''. I would like to know how AND why the previously disputed items were " verified as accurate ''. I contacted the original creditor and even they could not " verify '' these items so how could you? Furthermore I disputed the negative items with other consumer reporting agencies, and even they could not " verify '' these items so again, how could you? I demand to know what methods where used to determined that these accounts where " verified as accurate ''. and also who did you contact. I am also requesting a reinvestigation into these accounts and if you can not validate to me this information or verify these it accounts these must be deleted immediately from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has really cause me a big hard ache, they are reporting previous address and names thats XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX tx I was a victim of identity thief i have sent several things over they have removed and keep putting it back on, violating my rights with someone else information
Product: Debt collection

XX/XX/2023 XXXX XXXX  XXXX - Received a voicemail from XXXX working for XXXX XXXX 
XX/XX/2023 XXXX XXXX EST- I called back and was informed of a debt that was sent to collections. This was from a former apartment complex we lived in XXXX for damages after move out. 
**I only ever received one email for the bill from the apartment complex and it was closed out a month later with no further communications regarding payment* I told XXXX that the collection agency website stated that it would not be reported to my credit report if settled before expiration date. I also informed XXXX that I never received a paper notification about the debt or have not seen a bill yet. 
XXXX informed me of the total and gave me two options to pay in full or make 2 payments of XXXX. He told me I had to pay it by the end of the day to avoid it being reported to my credit report. I told him I would call back after discussing with my husband and former roommate at the apartment. 
XX/XX/2023 XXXXXXXX XXXX. EST- I called back to ask if certified checks were acceptable as I did not feel comfortable sending banking information over the phone. I also asked for an email invoice of the debt so I can see the charges and what I owe. I was never emailed a copy in a timely matter. 

I was rushed and told to make a payment within a couple of hours which is not feasible when rent is due in a couple of days and bills need to be paid. The call was stated to be recorded so there is evidence of XXXX pushing me to make a payment immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE THIS ACCOUNT FROM MY CREDIT REPORT : XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo account re-aged ; XX/XX/XXXX consumer credit report is reporting first delinquency XX/XX/XXXX, XX/XX/XXXX consumer credit report is reporting first delinquency XX/XX/XXXX. I've disputed the accuracy with credit reporting agencies with no success. I have attached copies of credit reports for both years.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : XXXX XXXX for XXXX XXXX and XXXX under 15 U.S.C. 1681-O Dear CFBP I am writing to formally dispute certain information that has been reported to you in my credit file. As per 15 U.S.C. 1681-O of the Fair Credit Reporting Act ( FCRA ), I am requesting immediate investigation and rectification of the non-compliant and negligent practices related to my credit report. 

The specific issues I am disputing are as follows : Inaccurate Reporting of : Address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX al XXXX should not be on my credit report. XXXX reported XX/XX/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 inquiries that I don't hold an account with according to Fair credit reporting act 15 USC 1681i ( a ), 15 USC 1681 ( a ) 6 ( B ) 3, and 15 USC 1681i ( a ) ( 5 ) B.

The account referenced above shows inaccurate reporting that I believe violates the legal standards for accuracy and compliance outlined under the FCRA. The discrepancy involves [ describe the nature of the issue, e.g., incorrect balance, erroneous late payment, etc. ].

Failure to Correct Information Following Prior Disputes : Despite prior attempts to dispute this information, it has not been corrected, as required by law. Under the provisions of FCRA 1681i, you are legally obligated to investigate and correct any erroneous information within a timely manner ( usually 30 days ). However, this matter remains unresolved.

Negligent Handling of My Personal Data : I have reason to believe that your handling of my personal information, as outlined under FCRA 1681e, may be in violation of the legal standards for maintaining accuracy and updating records, resulting in harm to my creditworthiness and financial reputation.

As per 15 U.S.C. 1681-O, I request the following actions be taken immediately : An expedited investigation into the accuracy of the disputed items.

Correction of all inaccurate and non-compliant information.

A written response confirming that all issues have been addressed and corrected.

Please also provide me with a copy of my corrected credit report reflecting the necessary amendments after the investigation is concluded. If you fail to comply with these legal obligations, I will be forced to seek further legal action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing other remedies under the FCRA.

I appreciate your prompt attention to this matter and expect a resolution within the time frame set by law. 

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

As much I appreciate the deletion of some of the disputed acccounts and information that resulted due to identity theft, I am disappointed to see that there are still items left on my Credit File. I am submitting this CFPB Complaint to request that you remove the remaining accounts and information from my Credit File in accordance with the Fair Credit Reporting Act section 605b. I was a victim of identity theft and the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Under the Fair Credit reporting Act section 605b, I an requesting the deletion of the following items : 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 Balance Owed : {$4400.00}. If you found any documentation claiming that the disputed accounts belong to me, I will have to to ask you to send me copies of such documents. If you are unable to provide such documents, immediate deletion of the disputed accounts and information is to be expected.
Product: Bank account or service

BB & T purchased Susquehanna Bank. They are a horrible bank. I have a checking account and a line of credit which includes a fixed loan and the line of credit with them. I tried to take XXXX from my checking account and apply it to the principal balance on my line of credit. They, on their own, decided to split the XXXX between principal and interest on the line of credit and fixed loan. I called and fought with them about fixing this. Supposedly they fixed this but since then I have been locked out of my credit line account. You can see the balance only, but NO transactions, so I have no way of knowing if anything was corrected. I have called the branch manager and the IT dept., who XXXX can not access my account. Their IT dept informed me that they are aware of the issue and it was supposed to have been fixed on XXXX XXXX, but hope now to have it fixed by XXXX XXXX. So I have NO access to my account for 2 weeks. They told me they are trying to create an entire new web site, since the old XXXX is messed up, they new one also does n't work. Meanwhile, IT IS MY MONEY AND THEY HAVE BASICALLY LOCKED ME OUT FROM VIEWING IT, AND THEREFORE USING IT. I received a monthly statement from them which shows a fee/service charge for {$57.00}. I have no idea what that is, and i can not find out about it since I am locked out. Besides that, when I called the bank to find out about the fee, they can not find it as well. They have no idea what it is, no one there seems to know anything, but they have access to all my money, but can not tell me anything. THIS IS NOT A CORNER DELI, THIS IS A BANK. This is so entirely unacceptable. I have never heard of a bank with issues like this, I feel like they have stolen my money. There should never be a time when you can not access your accounts ; I do understand that they need to update their systems from time to time. That is usually late at night for a several hour window. This is for several weeks and should be against the law.
Product: Bank account or service

XXXX XXXX, from U.S.Bank Consumer Banking Default Management did n't t fully resolve my issue in reference to someone using my personal information to open up XXXX checking accounts with U.S. Bank. Review Consumer Financial Protection Bureau Case # XXXX. I want to know is my name, date of birth and social security number clear for me to open a savings and checking account with U.S. Bank. I want to open an account with U.S. Bank, but I need to know has the XXXX fraudulent checking accounts been deleted from under my name, so I can open up a checking account with U.S. Bank.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6p2 states I have the right to privacy ( 15USV1681 ( section 6 0 4 a section 2 ( It states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit card

I XXXX XXXX was denied reconsideration because of having credit limits of {$2500.00} with no utilization. According to the American Express under writer. This violates my consumer laws I should have a fair access to credit due to me not using my credit not due to me having small credit balances. I feel this was racially biased decision I am a XXXX XXXX  business owner. I am looking to grow my brand and build my business just like every other XXXX business owner. Here is a copy of my credit report which deems I am more then eligible for credit approval.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I requested an investigation regarding inaccurate/fraudulent items on my credit file that you are being reported illegally. You sent me a letter that your agency had completed your investigation and the items were not deleted, as requested. This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditors associated with my earlier dispute under FCRA 611 ( a ) ( 7 ). To be more specific, based on F RA 611 ( a ) ( 7 ) you were required to forward all the relevant information I provided to you to the creditors for their investigation of my dispute. Please provide me with all the information you used for your investigation, as FCRA 611 ( a ) ( 7 ) requires. Please reply within 15 days or delete the negative items, as originally requested.
Product: Mortgage

I had a mortgage with XXXX for at least a dozen years. A couple months ago, they transferred it to Ditech for servicing. I am not, nor have I EVER been late on my payments, yet every communication I receive from them tells me " this is an attempt to collect a debt. '' I sent them electronic correspondence about this on XXXX/XXXX/16 ; a month later I got a letter stating that they were still researching and I would get a response soon. When the response finally came it was a generic " Apology '' letter that said : Thank you for bringing this matter to our attention. We regret any dissatisfaction you felt regarding the service provided. Please be assured, appropriate department management has been notified, and has addressed the issue accordingly. '' And at the end of the letter was the " this is an attempt to collect a debt '' disclosure. It 's obvious that my complaint fell on profoundly deaf ears. Is Ditech allowed and/or required to tell me that, even when I 'm not in arrears? A customer service rep told me that a mortgage is a debt, so they can say that even when payments are current.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a first 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 : //www.ftc.gov 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 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. 
XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXXXXXX XXXX XXXX Balance Owed : {$11000.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$160.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$3700.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Mortgage

Village Capital does not respond to my request to remove PMI charges. By the rules of my loan I have paid down the amount to which PMI is no longer needed. 

The monthly charge is XXXX. 

By my calculations PMI should have been removed by XX/XX/2019. 

I have contacted Village Capital and the previous loan holder ( XXXX ) continuously. 

I was told it would be removed automatically last year. It was not. 

After that I included my request with each monthly payment I called VC last month and was told I must send a request online. I did so, still no response. 

I repeated the online request this morning. Waiting for response. 

Please help. Thank you.
Product: Credit card or prepaid card

I opened a Wayfair credit card through CitiBank around XX/XX/XXXX. To this date I have never received that actual card, so I only have access to the last XXXX digits. 
I charged {$370.00} on or about XX/XX/XXXX through Wayfair. On XX/XX/XXXX I paid my balance in full through my XXXX XXXX XXXX  bill pay. I have documents through my bank that the check ( # XXXX ) went out XX/XX/XXXX, and was cashed ( deposited ) by CitiBank on XX/XX/XXXX. 
On XX/XX/XXXX I received a call from XXXX notifying me that I was late in my payments, and they're charging me a late fee. They asked me if I wanted to make a payment over the phone. I informed them that I paid my balance in full almost a month ago ( 24 days ago ). They said they had no records of that. I informed them I will contact my bank and get my documentation. 
I called XXXX XXXX XXXX ( XX/XX/XXXX, and printed my documentation. I called CitiBank back, and again, transferred me from XXXX person to another to another. No one had a clue of what they were doing. They finally told me to fax them the documents, and they will open an investigation and at this time they will put the late fee on hold. They gave me XXXX different fax numbers to send it too them. I then asked for an email as I'm retired ( XXXX ) and don't have access to a fax. They basically told me not their problem and I can mail it in. 
I ended up faxing them a copy of my check, front, and back on XXXX XXXX XXXX XXXX XXXX XXXX p.m. and have confirmation it went through. Citibank also gave me case # : XXXX. 
On Saturday, XX/XX/XXXX, I received a letter from CitiBank trying to collect a late payment for this acocunt.
Product: Credit reporting or other personal consumer reports

I noticed on my credit report there are unauthorized inquiries XX/XX/XXXXXX/XX/XXXX Equifax XX/XX/XXXXXX/XX/XXXX