23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration regarding the numerous unsuccessful attempts I have made to correct the information associated with my account. I believe it is essential to bring this matter to your attention and request prompt resolution to rectify the issues I have encountered. 

I first noticed discrepancies in my account information and immediately contacted your customer service department to address the issue. I provided the necessary details and was assured that the matter would be resolved promptly. 


Despite the assurance, the issue persisted. I made a follow-up call to your customer service, explaining the situation again and expressing my concern about the delay in resolving the issue. 
Regrettably, the problem remains unresolved despite multiple attempts on my part. The lack of progress has caused considerable inconvenience, and I am disappointed with the level of service I have received. 
I understand that errors can occur, but the repeated failures to correct a straightforward issue have raised serious concerns about the efficiency and effectiveness of your customer service process. As a valued customer, I expect a higher standard of service and a swift resolution to this matter. 

I request an immediate and accurate correction of the information associated with my account, ensuring that all details are accurate and up-to-date.

Investigation I urge your team to conduct a thorough investigation into the root cause of these repeated errors to prevent similar issues from arising in the future. 

I expect clear and timely communication regarding the steps being taken to rectify this situation. Regular updates on the progress of the resolution would be greatly appreciated. 

Given the inconvenience and frustration caused by these repeated errors, I request fair and appropriate compensation for the time and effort expended in attempting to resolve this matter. 
I trust that you will treat this matter with the urgency and seriousness it deserves. As a loyal customer, I believe in the importance of maintaining a positive and constructive relationship with your institution. 

I anticipate your prompt attention to this matter and a swift resolution. Please confirm the receipt of this complaint and provide a timeline for the resolution process. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$2000.00} ; XXXX XXXX XXXX XXXX Opened XXXXXXXX XXXX XXXX Balance : {$24000.00} ; DEPT OF EDXXXX XXXX Opened XXXX XXXX XXXX Balance : {$1400.00}.
Product: Mortgage

I have been attempting to get a loan modification with this company for months. I finally get the paperwork to sign to modify my loan. They set up an appointment with a notary and the paperwork is signed and sent in. I called the following week and the person assigned to my loan said they did not get the paperwork. Then he said he found them and it would take a while to get them processed. I checked online a few weeks later and my account said that the loan modification was denied. I was never notified by the company that the modification was denied. When I called they said the paperwork was signed incorrectly, even though it was signed exactly like it was listed on the forms. They never called to say the forms were not signed correctly. I called twice to get new paperwork. When I received it, I called to set up the notary appointment again and to make a payment. The appointment is scheduled. When I asked why a previous payment was not showing on the account, I was told that they will not post the payments because if they post the payments then they ca n't foreclose on the property. I asked why they are working foreclosure when we are in the modification process. The response was because the paperwork was not signed correctly. I have been doing everything possible to get this modification completed, but it seems like there is one obstacle after another and they do not communicate with me about issues that I am totally unaware of. Today I received a letter from an attorney that my house is in foreclosure. Is this even legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

There have been several hard inquiries that have shown on my credit report. I have not applied for anything in several months due to the fact I am trying to clear out my credit debts and raise my score to purchase a home this next year. There are companies that I don't even know who they are that are showing a hard inquiry on my account. My identity was stolen in 2016 and I now have to apply for a PIN every year to do my taxes. Please make sure these are removed as soon as possible. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX XXXXXXXX XXXX XXXXXXXX. 
HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE 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
Product: Checking or savings account

I was sitting at home one evening watching tv with my spouse after work. I only own a car, that's all we own in our household are cars when suddenly there were 2 withdrawals done out of my account amounting in almost XXXX for motorcycle parts online. I do not own a motorcycle nor do I work on motorcycles. I was given a temporary credit for the amounts but yesterday was notified that I'll have to refund one of the amounts. There is no good reason as to why I should have to. I did not make those purchases on XX/XX/XXXX... XXXX in the amount of XXXX and the other for XXXX. Those withdrawals set me back and almost made me get evicted from my place because that was my mortgage. Now I'm being faced with possibly being put in the same predicament again because of them denying my dispute. Please help : (.
Product: Money transfer, virtual currency, or money service

Subject : Urgent Assistance Required Regarding Erroneous Bank Transfer Dear Sir/Madam, I hope this message finds you well. My name is XXXX XXXX and I am a client of XXXX XXXX XXXX XXXX XXXX based in XXXX. 

I am writing to you regarding a situation that unfolded on XX/XX/2022, when I made a transfer amounting to XXXX XXXX ( equivalent to XXXX XXXX  ) from my current account. This transaction was intended for a PNC Bank account located in the XXXX XXXX branch, New Jersey. 

According to XXXX XXXX XXXX XXXX XXXX, the transaction was successful and the respective amount was duly deducted from my account. However, I have encountered a significant issue : the beneficiary account details, including both the account holder 's name and the account number, were erroneously entered by me. The inaccurate details were initially set as placeholders to verify the functionality of my banking app and to check the exchange rate provided by my bank. Unfortunately, I unintentionally proceeded to initiate the transfer to this dummy account profile. 

I have made attempts to rectify this issue through my bank, XXXX XXXX XXXX XXXX XXXX, but they have expressed their inability to assist me further. They have indicated that the funds have already been deposited into the PNC bank account and that their communications with PNC Bank have not been fruitful. 

Considering this, I humbly request your guidance to get in touch with the appropriate contact at PNC Bank, enabling me to address and resolve this predicament. Your assistance in this matter is of utmost importance to me and would be greatly appreciated. 

Thank you for your time and consideration. 

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

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX SS # ENDING IN XXXX
Product: Checking or savings account

I was a bank of America customer for over 5 years. My husband didn't have a bank account so I was using my account to deposit his checks, which gave me no issues. Th checks I was depositing for my husband were payroll checks from his job. 
My husband left this company and they gave him a severance check in the amount of {$6500.00}. 3 weeks after i deposited this check, Bofa closed my account due to the policy that reads I am not allowed to deposit third party checks ( keep in mind, I had been doing so for almost a year without any issues ) The balance i had in my account prior to depositing the check was {$90.00}, which BANK OF AMERICA SENT ME A CHECK FOR! THEY HAVE NOT SENT ME A CHECK FOR THE REMAINING {$6500.00}!!! 
So I accepted, i understand all banks have different policies and procedures and rights. 
This check was deposited in XXXX, every time i call the bank they tell me they are still authorizing the check. At this point i believe they don't even plan to give me the money that was already cleared in my account! I have contacted the issuer of the check several times who tells me the check has cleared on his end and the funds have already been taken out of his account. 
Bofa is treating as if I've committed fraud! PLEASE HELP ME RETREIEVE THE CHECK!
Product: Checking or savings account

I had a business banking account with Chase. One day I was out trying to use my card and it declined. I called the bank and they informed me my account was restricted and they couldn't tell me why. Later, they said my account would be closing due to reasons that were unknown. My account closed on XX/XX/year>. Chase told me all the remaining funds would be mailed to me within 7-10 business days of account closure. On multiple occasions I was told my check was mailed out on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Today is XX/XX/XXXX and I was told my check hasn't even been sent out. I requested they send the check to a new address since I never received it. Chase is telling me this is an issue on the back end of the bank and I'm not able to speak to them in regards to this continuous problem. Apparently chase has been lying to me to me this entire time about my check being sent out, it has been two months and I still don't have my funds. I have been severely inconvenienced without my funds and without my account closing with no reason.
Product: Credit card or prepaid card

I purchased a product from a company, XXXX XXXX XXXX, for the amount of {$3200.00} and ended up having to get a refund. The credit card used was Capital One and I made 6 monthly payments of {$530.00} from XX/XX/XXXX to XX/XX/XXXX ( 6 payments ). 

When the refunds finally showed up on the statements, it was shown that the company did refund the 6 payments ( {$3200.00} ) but Capital One showed they were only going to refund {$2600.00} ( which happens to be exactly {$530.00} + {$55.00}, the {$55.00} being a charge for bug extermination from XXXX. Why have I been charged this extra {$590.00}? 

These were the only charges I had with Capital One from mid-XXXX XXXXXXXX to XXXX XXXX and I always paid the amount due in full. 

To me it is basic math ; I payed out {$3200.00}, I should be refunded {$3200.00}, not {$2600.00}. 

When I called Capital One, the first attendant could not figure out the problem of why I was not being refunded correctly. So they sent this to the " highest '' level and I was spoken to by an attendant who merely went over the statement with me. I asked him point blank if he does not see the basic math with the situation and he responded that the statements tell the whole story as if there could be no errors in the statements.
Product: Credit card

I've had several cards with Capital One and at least three I believe and there were thefts that occurred and they found them in my favor in reverse the charges... Remove it but refuse to remove the delinquencies associated with the theft. They're reporting that I was delinquent and that is not correct as I shouldn't be he'll responsible for paying on charges that were not mine
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was appalled to find serious inaccuracies that should have never been reported. These errors are more than simple mistakesthey are actively harming my creditworthiness and restricting my financial opportunities. I refuse to let misinformation dictate my future and demand an immediate, thorough reinvestigation. 

The following accounts require urgent attention : Company Name : XXXX  XXXX - Account # : XXXX - Balance : {$0.00} Company Name : XXXX - Account # XXXX XXXX - Balance : {$0.00} Company Name : XXXX - Account # XXXX XXXX - Balance : {$730.00} Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fully accurate and verifiable credit report. If these disputed accounts can not be substantiated with solid, irrefutable evidence, they must be removed at once. This is not a requestit is a demand for compliance with federal law. Any failure to correct these errors will be considered willful negligence and will not go unchallenged.
Product: Debt collection

On XX/XX/year> I discovered that I was being sued ( warrants of debt ) by Harris Loftus PLLC for debt owed to XXXXXXXX XXXX XXXX. I was able to obtain this information by searching on the Virginia Court Case Information Website. On XX/XX/year>, I contacted Harris Loftus PLLC to verify the debt. I was told by representative that the information had already been sent out to my old address. I explained that I had moved and I would like to have verification of debt sent to me at my new address. The representative declined and began to push me to make a payment. I explained that I wouldn't make any payment arrangement until the debt was verifiable and asked what type of payment arrangements could be made to settle debt. The representative said that the court lawsuit would continue unless debt amount was paid in full before court date and payment arrangements wouldn't stop the court proceedings. I again asked to verify debt and the representative declined. I hung up the phone. 
Harris Loftus PLLC has illegally tried to collect the debt by not properly notifying me of the debt and refusing to verify debt information. The company has also filed a lawsuit in secret regarding a unverified debt.
Product: Student loan

Beginning in XXXX of XXXX, my student loan payments were {$260.00} per month under the XXXX plan. At that time, ED stated that those who were on an IDR plan would not have to recertify their income until XX/XX/XXXX. My recertification deadline was in XXXX of XXXX, and I received a very scary notice that my payment would increase to {$1100.00} a month if I did not recertify on time. I decided to recertify in XXXX to avoid having to make an {$1100.00} payment that I certainly could not afford. 
I submitted the recertification of my income, and XXXX told me that it could be 90 days before I would hear back from them about its status. Worried that XXXX would auto-debit {$1100.00} from my account when my payment was due, I called them and expressed my concern. They put me into an administrative forbearance in the meantime. 
While my income recertification was being processed, ED announced that the deadline for recertifying income for the XXXX plans had been extended until XX/XX/XXXX. I called XXXX back and cancelled my recertification application because of the extension. At that point, my monthly payment should have reverted back to {$260.00}. Instead, I received a bill for {$1500.00} that was due in early XXXX. I called them back again to tell them that this was incorrect, and they stated that they would correct it. In the meantime, I was placed on another administrative forbearance until the end of XXXX. 
On XX/XX/XXXX I received another notice that I would owe {$1500.00} in early XXXX. See attached documents. Having to worry month to month whether or not XXXX will auto-debit {$1500.00} is outrageous. 
My XXXX account was XXXX of the ones transferred to XXXX this summer. I have had the same problem with EdFinancial ; they were telling me that the only way to get on a more affordable plan was to enroll in an XXXX plan ( which I was at the start of this whole mess ). Finally, I caved and submitted an application for XXXX. This was after the ongoing XXXX litigation upended the entire student loan system, so now my loans are in a processing forbearance until XXXX. I asked the EdFinancial representative what happens after XXXX, and she didnt know. XXXX likely have to call back in XXXX to try to get on another forbearance? And, all of this time doesnt count for XXXX XXXX putting my future in limbo in yet another way. The amount of vigilance required of student loan borrowers right now is abhorrent and impossible.
Product: Mortgage

I have American Financial Resources Inc ( AFR ). as the mortgage company, with XXXX as the servicing company. The company charged a late fee based on when the check cleared my bank. The payment is due by the XXXX of the month and was received by the bank on the XXXX. It cleared the bank on XX/XX/2015. I called and spoke to the AFR and they credited me the late fee. My regular payment is {$1700.00}. I made the payment due as indicated on the XX/XX/XXXX statement of {$1800.00} ( {$1700.00} + XXXX for late payment ). In XX/XX/XXXX the amount due was {$1600.00} per the statement which reflected the late payment credit for {$62.00}. I sent a Payment of {$1600.00}. Now in XX/XX/XXXX, AFR charged me a late fee of {$64.00} for paying the statement balance of {$1600.00} in place of the regular payment of {$1700.00}!!! I paid what the statement showed as payment due and I got charged another late fee for not sending in the regular payment. 

My Complaint : 1. Per the AFR XXXX XXXX supervisor ( XXXX XXXX ), they will charge me late fee based on when the check is cashed by them and not when the payment is due. SO if my payment is received by them on XX/XX/XXXX and clears my bank on XX/XX/XXXX, they will charge me a late fee because the cleared on XX/XX/XXXX. This is a violation of the terms of contract which state the payment receipt is due by XX/XX/XXXX. 

2. For making the payment as stated on the statement as minimum payment due, AFR charged a late fee stating the charge is due to me not sending the regular payment due. I paid what the statement asked for and still got charged a late fee for sending partial payment!! 

American Financial Resources and XXXX are making their own rules and charging fees that are not legal. Please help!!
Product: Debt collection

OnXX/XX/XXXX XXXX XXXX XXXX who said he was representing XXXX XXXX called my job & asked for my boss who was not here, then he asked for me & my co worker transferred him to me. He mention the debt, threatened to serve me & my husband the next day, threatened to call the corporate office for my work several times, threatened to put a lien on my husbands home ( we just got married XX/XX/XXXX and that is not legal ), he mentioned in detail all the information for my husbands home address, lien holder, amount owed to the mortgage, etc. I did not give him much info b/c I do have an attorney & I am filing bankruptcy. Most importantly I do n't know who this person is! He then called my husband and left a voicemail. Continued to threaten his home/mortgage several times in the message. XXXX XXXX XXXX said that because " XXXX & I were married and whats mine is his & whats his is mine. '' He left a call back number & case number ( XXXX case # XXXX. After that he contacted my husbands mother who I have n't even met yet. First he asked for my husbands XXXX father, then spoke to my mother in law. He told My mother in law that he made a mistake getting married because they can file a lien against my husbands house. XXXX 's mother said XXXX XXXX was very rude and argued with her. XXXX 's mother passed the information on to her daughter XXXX who called XXXX XXXX back and he told her he had already spoken to me, he would not give her much information but once again he made threats about XXXX 's house and a lien. 
This person has/had absolutely not rights to contact my husband or his mother. He was rude/cocky with all of us and this still has me upset about it still today. He also had no rights giving any information about me to XXXX 's mother or mentioning a lien on his house.
Product: Credit reporting or other personal consumer reports

I'm filing a complaint against XXXX, XXXX, and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX, XXXX, and Experian consistently respond within 24 hours, stating that the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates are reasonable investigations of disputes? Furthermore, XXXX, XXXX, and Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S. Code 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against some of them for similar violations, I request that the CFPB take action to ensure XXXX, XXXX, and Experian comply with federal law and provide consumers with the necessary proof of investigation. Please find the account listed below that I have marked as inaccurate : Experian : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. An account showing through XXXX does not have a name listed for the debt collector or original creditor the only thing showing is the amount of {$1300.00}. 
XXXX. XXXX XXXX XXXX
Product: Debt collection

Last year in XX/XX/XXXX I had a visit to XXXX XXXXXXXX XXXX XXXX XXXX. After being checked upon by doctors and mentored by nurses, I was advised that everything looked fine and asked to check out at the front desk. The receptionist looked up my insurance information and I paid the co payment of {$100.00} through visa. XX/XX/XXXX, without no letter or notification from this hospital, I seen on my credit report a bill from a collection agency callesd Aargon Agency with the oringinal debt of XXXX to XXXX XXXX XXXX XXXX XXXX. I already paid this bill in full and the hospital said they contacted the agency to have it removed. Unfortunately the debt has not been removed. This has hurt my credit score dropping 140 points. I would like this resolved immediately.