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

I received the following message from XXXX XXXX after applying to open another CD ( I currently have 4 open CD 's with this financial institution ) : " Thank you for your recent inquiry. Per your request, I'm able to provide you with the following information. 

We have made the decision to not open any additional accounts. Any pending applications will be closed, and if a funding check was sent in it will be returned to you. 

We look forward to serving all of your financial needs, so please get in touch if you have any additional questions or need further assistance. ''
Product: Debt collection

i had to use XXXX that belongs to City XXXX 
they sent me a bill with a wrong information. 
i asked them to submit it to my health insurance and double check the bill. 
instead of submitting the claim to health insurance they submitted it to collection agency. 
collection agency never contacted me and just reported the illegal debt to my XXXX account and damaged by perfect credit score. 
i contacted people from debt collection agency and informed them that there was no debt. they informed me they would check everything and get back to me. after that they disappeared.
Product: Mortgage

I have contacted M & T bank to resume payments of my XXXX  mortgage after covid forbearance. I requested the options below that are currently ( XXXX ) published on consumer finance.gov. The representative informed me that those options were not something M & T would honor and that o would have to fill out documentation, provide financial details and apply to find out my options. I requested documentation with the details of what I was applying for. The representative stated she would google them and read them to me. I asked if her company provided these documents as reference for her or if they were documented anywhere I could access them, she said no. I expressed my concern with applying for something that I am not able to review first. She had nothing to offer other than that is all she can do. 
I feel like M & T is attempting to take advantage of the rising interest rates by forcing people to modify their loan. This was never communicated as the only option and in fact was not mentioned in any documents received until rates went up. The info below is directly from a government website. I requested a written payment plan as it states I should be provided, I was told I have to apply for that. 

XXXX  XXXX XXXX XXXX does not require a lump sum payment at the end of the forbearance. 
If you can resume making regular payments your servicer or lender should either offer an affordable repayment plan or term extension to defer any missed payments to the end of the loan. If you are unable to resume making regular payments, your servicer or lender should evaluate you for all available loss mitigation options. 
Upon completion of the forbearance, the lender shall communicate with the borrower and determine if the borrower is able to resume making regular contractual payments. If so, the lender shall offer the borrower a written repayment plan to resolve any amount due or, at the borrower 's request, extend the loan term for a period that is at least the length of the forbearance. 
Visit XXXX  XXXX XXXX 's coronavirus I would very much like to resume payments using the 2nd option above. M & T does not want this, they are only interested in options that result in profit for themselves.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I first noticed fraudulent inquires on my report with all 3 bureaus in XXXX of 2020, I promptly contacted my local police department and filed a police report for fraud. Report number ( XXXX ) XXXX Police depart located at XXXX XXXX  XXXX XXXX. XXXX TN XXXX. I then sent proof to all 3 bureaus and still nothing while this is going on a fraudulent medical bill occurs on my file while I am in the of buying a home. I contact the company ( XXXX XXXX ) account # XXXX and a representative and several supervisors confirm that I don't have and account and that the information is reporting wrong with Equifax and XXXX. I have all the documentation I need to prove that these inquires and collection account are fraudulent, but I cant seem to get any help, I've also filed an FTC Affidavit.
Product: Checking or savings account

I am filing a complaint regarding multiple overdraft fees applied to my account. Despite having sufficient funds at the time the transactions were authorized, I was charged overdraft fees due to delays in the posting of charges and credits. 
This situation mirrors the recent findings by the CFPB regarding Navy Federal 's practices, where overdraft fees were assessed on transactions that settled with insufficient balances, even though funds were available when the transactions were initiated. 
I believe these practices are unfair and respectfully request an investigation into my account and the specific transactions in question.
Product: Debt collection

This debt was paid before account was assigned to this company. Also the date of last activity was XXXX not XXXX which makes it out limits for being on my credit report
Product: Credit reporting or other personal consumer reports

I would like to dispute an item stated as late payment on my consumer report for XXXX account and my " closed '' Bank of America account. 

In accordance with the Fair Credit and Reporting Act, these creditors have violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy. 15 USC 1681 ( section 6 o 4 a section 2 ) it also 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 accounts under an open end consumer credit plan as late for any purposes. 

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

Someone tried to apply for a XXXX  ( XXXX XXXX XXXX XXXX under my name. My husbands ( XXXX ) identity was also stolen this week. We believe they retrieved our social security numbers through XXXX XXXX
Product: Credit card or prepaid card

So i've just read in the news that BofA have lied to customers regarding bonus points on spending for example. I found this alarming as I had this exact conversation with a BofA about earning way more points than dollars spent that is showing now. But i can't be sure. 

Is there a way to check this? I have felt for some time I have not been earning the amount of points they originally dazzled me with. 

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

XXXX To Whom it May Concern This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 usc 1681e ( b ) Compliance and procedures ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall fellow reasonable procedures asure maximum possible accuracy of the information concerning the individual about whom the report relates. 

otherwise anyone paying for your reporting services could fax, mail, or email fraudulent account. 

I demand to see verifiable proof XXXX oraginal consumer Contract with my signature on it that you have in file for the accounts listed below or a certification from the creditor that certified the accuracy and completeness of the information Your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA unverifiable accounts must be deleted and if you are unable to provide me a copy of verifiable proof you must Delete the accounts below I demand that the following accounts be deleted immediately XXXX XXXX XXXX XXXX account number XXXX amount XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX  account number XXXX amount XXXX in addition Delete all non account holding inquiries over 30days old Under federal law you have thirty ( 30 ) days to complete your re-investigation Be advised that the description of the procedure use to determine the accuracy and completeness of the information is hereby required as well to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

thank you XXXX XXXX
Product: Credit card

I have a Synchroncy card for a mattress I bought at XXXX XXXX. The terms indicate that I need to make a minimum payment of {$71.00} a month. I have this payment set up in my XXXX banking account and that payment has been on time every month. My XX/XX/XXXX statement included a new {$1.00} " paper statement fee ''. Since I have my payments set up to happen automatically, I didn't know this fee had been added. Since that fee was added, they said the minimum payment due was {$72.00}. Since I only paid {$71.00} on XX/XX/XXXX, my XXXX statement charged a late fee of {$30.00} and a minimum interest charge of {$2.00}. I got a text informing me that my payment was past due so I called to find out what was going on. They said they would refund the paper statement fee and the late fee if I made a {$33.00} payment that day. I did so, even though I didn't owe anything because I believed that would resolve the issue and the {$33.00} would go towards my principal anyway. I received another text recently saying my account was past due again. Now they've charged me late fees for the XX/XX/XXXX and XX/XX/XXXX statements ( {$41.00} each ) as well as a {$2.00} minimum interest charge for each of those months. I was on the phone for about an hour with their customer service and was transferred to a supervisor, but they said the best they could do was credit me for one of the late fees. 
This is unacceptable. I've paid the {$71.00} I owe, on time, every month. All of the late fees and interest charges must be removed. I told them that if they did not remove them all I would transfer the amount I actually owe to another card ( minus any transfer and interest fees ), close the account, and report this issue to the CFPB.
Product: Vehicle loan or lease

I purchased this vehicle XX/XX/2018 under the impression that there was a 3 day return policy which was advertised on the website and conveyed to me prior purchased. I returned the vehicle XX/XX/2018 they then advised me that the warranty didnt apply to this vehicle which I was unaware of. I took the car back and they threatened me that my credit would be at risk. They refused to take the car back and basically forced me to take the car after I advised them I didnt want the vehicle. They forced the vehicle on me only to find out there was over {$1500.00} in repairs that was undisclosed. And this was discovered 2 days after purchase. I want them to take back the loan and to make me whole again.
Product: Checking or savings account

Bank account was remotely hacked. Bank neglected to stop unauthorized charges reported within hours of occurrence and still showing " pending ''. Guess is all XXXX insured..!! not really their money/problem ... subsequent claim for funds return has been denied.
Product: Checking or savings account

Statement of Events : On Thursday, XXXX XXXX at approximately XXXX to XXXX I received XXXX phone calls from the following number XXXX. As this number was not in my phone contacts, I did not answer. 
After becoming concern about who the number was, I re-dialed the number and it was answered by Regions Bank Fraud Department. After hanging up the call, the same number ( XXXX ) called back again. This time I answered the phone call. The male voice on the line identified himself as a representative of Regions Bank Fraud Department. He said he was calling me about suspicious activity on my Regions accounts. He proceeded to ask me about 2 charges on my account, stating that 1 charge was made through XXXX. I told him they were not made by me and that I didnt know what XXXX was. 
He continued to explain to me about XXXX and told me to hold on the line while he put a block on my Regions account and the XXXX account. When he came back on the line he asked me to check my phone for a text message and give him the text message code so he could block the XXXX account and I did. He said he had taken care of the problem and that I would receive an email from Regions to change my username and password. 
After several hours of checking my email, I decided to log-in to my online Regions Banking account. This is when I realized that the money in my savings account had been transferred to my checking account and 2 XXXX transactions were pending. The amount transferred from savings was {$590.00}, the first XXXX transaction was for the amount of {$900.00} and the second for the amount of {$550.00}. Leaving me with a balance of {$3.00}. 
As I did not authorize these transactions, I immediately called the Regions Banking Fraud Department. I spoke with a lady and explained the call I had received earlier that same day. After she investigated my account, she explained that I had been scammed by the person on the phone. She proceeds to lock my account and advised me to go to my local branch office the next morning to dispute the fraudulent charges on my account. 
On Friday, XX/XX/2021 I went to the local Regions Bank branch in XXXX, TN. The teller advised me to go to the Regions XXXX Branch in XXXX, TN were they could automatically issue me a new Regions Bank card. After spending several hours in the XXXX Regions Branch office my account is still locked and under investigation and I have no money. 
After filling a dispute of the transactions with Regions Banks, filling a claim, filling a police report, filling a report with the Federal Trade Commission, keeping in contact with XXXX XXXX, Financial Relationship Sr. Consultant at Regions through email, phone calls and text, closing all accounts, opening new accounts, ordering new checks and debit cards and going for 10 days with NO way to access cash or pay bills it is now XXXX the XXXX and I have never received a phone call, email or my almost {$1500.00} that was fraudulently stole from my account. 
I need help and results as soon as possible, please. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion I have reviewed some information on my credit report that shows an inquiry that I never authorized. Please delete this fraudulent inquiry : XXXX XXXX Thanks for your understanding. I have attached proof if ID and Address, as well as the Police report.
Product: Credit reporting or other personal consumer reports

there is an account on my credit report that is not mine and belongs to someone else
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX  XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$68.00} XXXX XXXX Balance Owed : {$310.00} XXXX XXXX Balance Owed : {$190.00} XXXX XXXX Balance Owed : {$600.00}
Product: Debt collection

Frontline Asset Strategies I would like to attach addtional information to be forward to company
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

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, credit repair services, or other personal consumer reports

XXXX XXXX I applied and was approved for this credit with Goldman Sachs and its showing a negative impact on my credit for applying and being denied
Product: Checking or savings account

On XX/XX/2020 money was supposed to be deposited from the XXXX  XXXX company. the company deposited my sales into the wrong checking account. the bank did not return the funds to the XXXX  per a conversation with the bank manager XXXX of XXXX  illinois. Phone conversations time stamped and recorded back up this statement. 
As of XXXX XXXX  XXXX Funds have not been located after 7 hours of being put on hold and lied to by BMO harris bank. the negligence of stripe and BMO Harris is unacceptable. 
The amount of XXXX has been Hijacked by each company for over a day in which the funds are not lost but being misused. 
XXXX will not issue a manager to resolve the issue I have spoken to an XXXX, XXXX XXXX, and one other party that would not give his name. 
XXXX the manager at BMO Harris has mishandled the funds. Stating on his recorded line that his bank returned money that was sent to the wrong account. He has the trace Id number the same as stripe and refuses to conform to the returning of funds.
Product: Credit reporting or other personal consumer reports

I am writing to express my outrage at the clear violation of credit reporting laws demonstrated by the continued presence of fraudulent accounts on my credit report. Despite assurances from reputable companies and the validation of an identity theft report, these inaccurate entries remain unaddressed. 

Your failure to remove these accounts, despite clear evidence of their fraudulent nature, blatantly disregards the laws governing accurate reporting. It is evident that the bureau is not fulfilling its duty to properly investigate and rectify inaccuracies. 

Furthermore, other credit bureaus have already removed these accounts from their records after the submission of FTC report and thorough investigation. I demand immediate and decisive action to correct these violations. 

XXXX XXXX XXXXand XXXX XXXX XXXX
Product: Student loan

I was placed on a " processing forbearance '' against my will by MOHELA. All contacts to remove this forbearance to pay my loan ( on an existing REPAYE plan ) has been ignored. MOHELA is now charging interest for the month of XXXX, despite that this forbearance was entirely against my will and my requests to remove the forbearance have been ignored. I am ready, willing, and able to begin repayment but the MOHELA is refusing to allow this to happen and now I am being charged over {$500.00} per month due to MOHELA 's incompetence.
Product: Credit card or prepaid card

I am currently serving in the XXXX XXXX XXXX, and the government travel credit card is issued for military/government service related duties only. 

Ive spoken to the bank about the ongoing pay issues involving pay delays to military that are do to government shut downs or just department of defense pay delays that are out of military service members hands. 

They want their money or they add late fees and the chain of command gets involved in negative manner on their card holder. 

Ive given the bank the information to call the pay roll which is military travel pay department whom pays the card directly and thru defense travel services which they will refuse to do so, and burden the service members to pay. 

This practice needs to stop
Product: Debt collection

I received phone call and male said he wanted to speak to XXXX XXXX. I asked what it was about and what organization he was with. He would not answer. He wanted my birth date and social security number. I asked him again who he was and whom he represented. He said XXXX and said they sent me a letter and that I should go home and read it and call back when I wanted to talk. I googled their name and phone number. I have no knowledge of this company or their services or letter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX. 
This was a horrible way to treat someone even if they do own for a medical bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  credit cards use TransUnion as their credit reporting agency. In early XXXX of 2021, I paid my credit card balance nearly in full ( close to $ 8k ). TransUnion has begun reporting weekly and in some cases, daily credit status to other services, like XXXX. As of XX/XX/2021, XXXX has not reported my balance decrease to TransUnion, or TransUnion is not reporting balance decreases in an equal manner as they are about balance increases. The result is that my credit score dropped XXXX points when my spouse and I opened a retail credit card for a simliar amount, and simultaneously did not make any effort to keep my score when the balance was paid. I believe this is a predatory credit reporting measure and should not be an acceptable practice.
Product: Checking or savings account

I purchased a service called XXXX last year. I didnt like the service so I canceled the service. They charge my account again. I tried to contact XXXX, but they dont have a phone number on their website and when you email them they dont reply. So I contact Suntrust to file dispute. I have completed two dispute documents. I faxed them and even stepped into a branch to have a Suntrust representative email them to Suntrust dispute department. On XX/XX/XXXX I followed up with Suntrust. The Suntrust representative told me they have no records of my correspondence regarding the dispute. Attached are the records. It seems like Suntrust is not trying to assist with this Fraud issue.