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

In XXXX XXXX XXXX I filed the complaint detailed below. Nearly 6 months have passed & still no refund of our money that was stolen. I am told by Chase that XXXX XXXX cashed the altered check & they must agree to refund our money, but XXXX XXXX will not discuss with me since I am not their customer. I need someone to force Chase & XXXX XXXX XXXX to deal with this & get us our money. It is clear they cashed an altered check on our account. Just " checking in to see how Chase will respond '' as was done before is worthless. Please actually help us. 

" My company, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has had a checking account with Chase Bank for over 16 years. We pay most of our bills using their online bill pay service. Some payments are electronic, but for others Chase issues a paper check & mails it to the payee. On XX/XX/2022 I directed Chase to pay {$1500.00} to " The XXXX XXXX '' on our behalf. Chase issued a check. On XX/XX/2022 The XXXX XXXX ontacted me about the payment they hadn't received. I recalled seeing it cleared my account, so I went the Chase website and pulled up a copy of the cleared check. To my disappointment I saw the payee shown as " XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ''. Since we nor the Personal Touch know anyone by that name or address, I can only assume the payee was altered ( Chase 's own records show it was originally written to The Personal Touch ). I immediately reported this to Chase. I was informed that they would be sending me a " Declaration of Unauthorized Endorsement or Altered Item '', which I recieved, filled out & returned on XX/XX/2022. I was told that although it would take Chase XXXX days to recover their funds, that my account would be credited within 10 days to two weeks. In the meantime we paid The XXXX XXXX for the money that was missing ( not their fault ). On XX/XX/XXXX I realized Chase had not added the funds to our account, & after reaching a supervisor ( XXXX ) I was told we will not get the funds restored to our account until Chase gets its funds back from the bank where the check was cashed or deposited ( 90-120 days ). Chase, having issued the check, could easily have in place a system to confirm payees are not altered to avoid this risk. Chase chooses to accept this risk. We did not. A cost of accepting that risk should be that Chase bears the burden of temporary or permanent loss of funds for their reckless policy. All we are seeking is the restoration of the stolen {$1500.00} to our account. I have included documentation of what's been described, & our account activity since XX/XX/2022 so you can see the funds have not been restored. Thank you. ''
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Avant regarding the recent denial of my credit limit increase request. Despite my account being in good standing for several years and having a great payment history, my requests for a credit limit increase have been consistently declined. The reasons provided for these denials do not align with my account status or my positive payment history. 
To provide more details : XXXX. Account Information : o Account Holder Name : [ XXXX XXXX ] o Type of Account : Avant Credit Card o Account Status : In good standing for since its existence 2. Issue Details : o I have made multiple requests for a credit limit increase on my Avant credit card account in recent months. 
o Despite my account being in good standing for [ number of years ], with a consistent record of on-time payments and no outstanding issues, Avant has denied my requests for a higher credit limit. 
o The reasons provided by Avant for these denials do not seem to reflect my strong payment history or current account status. 
XXXX. Impact : o The denial of my credit limit increase request has negatively impacted my credit utilization ratio, potentially affecting my credit score.

o I believe I am a responsible credit card holder, and I am confused as to why my requests continue to be declined when my account has been maintained in excellent standing.
Product: Checking or savings account

I attempted to make a purchase from XXXX, through my Capital One debit card. This was already an approved purchase and would be taken monthly, due to the account I had set up. I attempted to approve the purchase by contacting Capital One and explaining the issue. I spoke with a person named XXXX who attempted to address the issue. I was presented with an option to lessen the restrictions on my card, or try again later. Ive attempted this transaction multiple times. Ive dealt with fraud and identity in the past, so Im unwilling to lessen the restrictions on my account. I am fearful of the potential risks. The person I spoke with was incredibly rude. She talked over me multiple times, put me on hold for no reason, and insulted my intelligence. Incredibly unprofessional and undeserving of the manager position they have. They can not give me any solace in the fact that any purchase, previously approved or not, is subject to this fraud scan that denies purchases. After being placed on hold for over 3 minutes, the representative hung up before I could speak. I called back and spoke with another representative who attempted to explain the same issue, but could not offer me any explanation on why a previously approved purchase is now being denied. I attempted to pry for more information, but I was, again, disconnected from a manager at Capital One. It is incredibly insulting how multiple managers have now hung up on me after the request for information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lifted a security freeze lifted with Chexsystems using the website on XX/XX/2023 thru XX/XX/2023. I applied for a savings account with XXXX XXXX XXXX  on XX/XX/2023. I was denied ; reason being my credit file with Chexsystems is frozen. I called to lift the freeze yet again and it says I already lifted the security freeze from XX/XX/2023 thru XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX multiple XXXX XXXX XXXX to the inquiries that have been popping up on my account for the past XXXX months without my consent. I explained to them that I can not lock my credit report at this time due to a purchase on a home. My credit was not pulled due to the fact that I have membership with live daily data to see my credit scores. Therefore, the lender took those reports until I am ready to move forward in the home buying process. I was told to file a police report and send in, in which I did. However, there has been no change to my credit file and I am afraid that when it comes time for the lender to do a hard pull on my file, they will see all of these fraudulent inquiries further lowering my beacon score to the point that I may not qualify for a home. They also told me that there was nothing else that can be done to safeguard my file during this process, which is disheartening to say the least.
Product: Checking or savings account

My account was frozen by Bank of America and they stated that I needed to contact federal trade commission in reference to the hold on their account. The agent then stated that it was a federal order for XXXX XXXX and they will hold every XXXX that comes into the account until they reach {$38000.00} that XXXX XXXX is requesting. I explain to them that Ive had issues with this company four years ago and I switched banks because they allow them to garnish my account before now I am stuck with no money because bank of America is upholding this company with fraudulent phone numbers
Product: Credit reporting or other personal consumer reports

In XX/XX/2017 Equifax, transunion, and Experian, all had a data breach and since then I see accounts and inquiries that are not mine. 15 U.S. code 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries on my credit report that I did not authorize.
Product: Checking or savings account

Wells Fargo took money from me and closed my account I had {$7000.00} dollars and my account I was getting paid regular and my work checks was mobile or atm deposit they still haven't gave me a good enough reason on y they closed it
Product: Credit reporting, credit repair services, or other personal consumer reports

Factual Data is a credit reporting agency that is affiliated with most lenders, banks, and mortgage companies. 

The information that Factual Data has stated that they list on their credit reporting database is generated from the three major credit bureaus. 

However, the information that Factual Data has listed is dated and old and outdated. I have in the past on multiple attempts contacted Factual Data both via US Postal mail and phone calls and the issue still persists and has yet to be corrected to date. 

I have again recently within the past week requested a current copy of my personal Factual Data credit report, and I was sent an old report in the mail that was dated from XX/XX/2019 and still shows inaccurate and outdated information and details.
Product: Debt collection

There is an account on my credit report and I have no knowledge of the debt. I have written to the company and have yet to receive a response. I have previously dealt with this agency on matters from my past and have even filed suit against them for violations of the TCPA by contacting me on my cell phone. This company does not seem to have proper policies and procedures in place when it comes to communication efforts made in attempts to collect on medical debt. The provider of services is wonderful, however, their choice in a vendor is definitely wrong. PMS does not represent the provider in a positive way and it is unfortunate. 

The otherissue is their failure to properly furnish my account number to the credit reporting agency, XXXX. When I review my report all I was able to see if X 's in the amount number so when I wrote to PMS I couldn't even properly reference the alleged account. Their furnishing practices are a joke.
Product: Checking or savings account

I'm the owner of XXXX XXXX XXXX and I put in the incorrect original TAX ID and I've tried to update it but with the covid, nobody is helping.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is in violation of multiple laws set forth by Congress in regards to the following account XXXX XXXXXXXX reporting to XXXX XXXX XXXX and Equifax . 15 U.S. Code 1681b ( 2 ) states In accordance with the written instructions of the consumer to whom it relates. I have never provided written permission for such accounts to be reported on my consumer report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX and Equifax ) if the person knows or has reasonable cause to believe that the information is inaccurate. Furthermore, 15 USC 6802 ( b ) ( 1 ) ( B ) states the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. I have never received any form of notice to opt-out of my nonpublic personal information to be shared with unaffiliated third parties. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate
Product: Credit reporting or other personal consumer reports

I am filing a complaint against trans Union for failing to properly investigate my disputes regarding the inaccuracies in my credit report. Despite my submission, Transunion consistently responds within 24 hours stating the accounts is accurate, without providing any evidence of a thorough investigation. The practice violates the fair credit reporting Act ( FCRA ). 15 u.s.c. & 1681i, which mandates a reasonable investigation of dispute. Furthermore, Transunion actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 u.s.c. 5536 ( A ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding against them for similar violations. I request that the CFPB takes action to ensure Transunion complies with the federal law and provides consumers with necessary proof of investigation.
Product: Money transfer, virtual currency, or money service

My bank is Bank of America. My name is XXXX XXXX. Me and my husband found a room for rent on XXXX. The seller said that they owned the property but they lived in another state. We had to send them the security deposit and then they would send us the keys and give us a tracking number. We XXXX 'd this person the security deposit which was XXXX XXXX They gave us a tracking number to a website called XXXX which showed progress of being mailed but turned out to be fake. I'm furious because we tried sending this person the money the first time and it didn't go through. We thought we didn't put in the information right at first but we later learned from the bank that this person tried one bank which was apparently flagged for suspicious activity and then when we tried to send the money the second time it went to a different bank and it went through. I thought banks share information with each other i mean i can't even start a bank account if i owe a DIFFERENT bank money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone open a XXXX charge card in my name from XXXX to XXXX and it is showing on my credit report on XXXX XXXX XXXX XXXX. Needs to be immediately from credit report. The account XXXX on my XXXX credit report is XXXX.
Product: Debt collection

On XX/XX/year>, I identified an issue with NCB Management Services regarding an inaccurate debt collection entry on my credit report. The amount in question is {$9900.00}. 

To resolve this matter, I took the following actions : On XX/XX/year>, I submitted a written request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ). 
In response, I was informed that NCB Management Services no longer owns this debt and that it has since been transferred to XXXX and subsequently to XXXX XXXX XXXX. 
Despite no longer owning the debt, NCB Management Services continues to report this account on my credit file, which constitutes inaccurate and misleading information under the Fair Credit Reporting Act ( FCRA ). 

As NCB Management Services is not the current owner of this debt and can not validate it, they have no legal basis to report it. This false reporting is causing harm to my creditworthiness and must be removed immediately. 

I formally dispute this collection account and request that the Consumer Financial Protection Bureau investigate this matter. I also request the following actions : 1. Immediate removal of this erroneous debt collection account from my credit report.

2. Verification and documentation from NCB Management Services proving their legal right to report this debt. 
XXXX. If they can not provide valid documentation, a formal acknowledgment that they will cease reporting the debt.
Product: Debt collection

1 ) They inaccurately reported information to the credit reporting companies severely damaging my ability to obtain credit for a house, car, and utility payments 2 ) On XX/XX/2023 Portfolio Recovery Associate, LLC Threatened to sue me when it is clearly stated in my card member agreement that all issues should be settled via arbitration I have attached files showing the following : 1 ) Notification of Intention to Incur Court Costs by Filing Suit Letter 2 ) Proof of Adverse Action : Mortgage Denial, Car Loan Denial, Credit Card Denial 3 ) Arbitration Agreement 4 ) Applicable Segment of My Credit Report 5 ) Pre-Arbitration Demand Letter
Product: Mortgage

Mortgage Servicer, Specialized Loan Servicing, failed to provide a refund for a subsequent bi-monthly mortgage payment debited after a payoff statement was issued and failed to refund a preemptive late fee incorporated in the payoff statement : XXXX XX/XX/XXXX - SLS provided a Payoff Statement to New XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - SLS receives an automated bi-monthly payment for {$620.00} XXXX XX/XX/XXXX - SLS receives payment in full via XXXX XXXXr from XXXX XXXX XXXX XXXX XXXX XXXX on behalf of XXXX  XXXX XX/XX/XXXX - Consumer requests XXXX  refund XXXX/XXXX payment and late fee without formal Error Resolution Notice per 12 C.F.R. 1024.35 XXXX XX/XX/XXXX - Consumer files complaint with XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - XXXX closes complaint SLS provided XXXX a second Payoff statement dated XXXX XX/XX/XXXX, reflecting the XX/XX/XXXX bi-monthly auto-debit payment, which was NOT used in the underlying mortgage refinance transaction with XXXX and XXXX 

Both SLS Payoff statements ( XX/XX/XXXX and XX/XX/XXXX ) included a preemptive Late Charge fee of {$34.00}. The Late Charge fee was assessed in the underlying mortgage refinance transaction per instruction from the SLS payoff even though the monthly auto-debit and receipt of the payoff funds via wire were received timely. 

Also, SLS provided different daily interest per diem rates in the Payoff Statements.
Product: Credit card

XXXX XXXX, XXXX XX/XX/XXXX. 
This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX systems on XXXX XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Fifth/Third bank purchased my mortgage from another bank. I would have never sought a mortgage from them because I have never heard great things about this bank, but here I was, in business with them. From the onset I had issues with them and their lack of communication. But all heck broke loose when I received a letter from them telling me they were raising my mortgage payment by {$1000.00}. I have a conventional mortgage with a fixed rate. I live in DC where I pay about {$6000.00} in taxes per year and a little over {$1000.00} in home insurance. I purchased my home in XXXX and had several thousand dollars in surplus ( credit ) with DC tax and revenue. For the following 2 plus years or so after I pu8rchased my home DC just debited that surplus to pay my tax bill. My escrow paid XXXX in taxes. When all but {$1500.00} was paid, as the surplus was exhausted, DC submitted a tax bill for that amount to Fifth/Third bank. They paid it. Then, their incompetent team estimated the escrow needed for the following year and used the {$1500.00} ( from above ) to estimate what they would need to collect from escrow for the following year, underestimating my escrow. In XXXX of last year, I received a letter telling me that my mortgage would be going up by {$1000.00} because escrow would not be able to cover the tax bill for XXXX. So in essence, they are collecting {$13000.00} more to pay about {$7000.00} in taxes and insurance for the year XXXX. How does this make any sense? I have written letter after letter asking for a break down of my escrow as well as proof that they paid my taxes during the surplus years as they are telling me - nothing. I spoke with DC  so I know they did not. What they tell me is they can not help me in writing but I am free to call their bank to speak with someone. I tried. Nobody knows anything, specifically what happened, can't provide me with any useful information and just wastes my time. I work, I have a little boy at home. I don't have time to wait on the phone during working hours and they close at XXXX, they tell me. I can't afford a {$1000.00} increase in my mortgage. I have been paying that increase since XXXX of XXXX but I don't know how long it will be before I default on my mortgage due to this incompetence. I just don't know what to do. Who are these people responsible to?
Product: Credit reporting or other personal consumer reports

I filed a complaint back in XXXX XXXX  and XXXX, XXXX, and Transunion did not delete the items from my report.