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

Someone who probably has my personal information applied to get credit cards causing so many inquires on my credit report : XXXX XXXX  on XX/XX/2024, XXXX XXXX XXXX on XXXX/XXXX/2024, XXXX ( bank ) XXXX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from this account. XXXX and remove it. 
ALLY FINCL XXXX Balance : {$0.00}
Product: Credit card or prepaid card

I opened a Synchrony Bank XXXX CareCredit credit card account on XX/XX/XXXX to pay for a {$1300.00} charge at my XXXX. I was under the impression that there would be a no interest promo for a set period, but when I set up my online account later I found that the transaction was only given a reduced 17.90 % APR plan. Then on XX/XX/XXXX a {$6.00} interest charge was added to my statement even though my FIRST payment is not due until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following accounts, inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : {$380.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$62.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I'm contacting you regarding a collection entry from your agency on my credit file. This entry has come to my attention without prior notification, and I have significant concerns about the debt 's validity. Under the Fair Debt Collection Practices Act, I'm exercising my right to request debt validation. I ask that you provide the necessary validation and take steps to resolve this issue.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to request a correction to my address information in your records. Currently, the address listed under my name is incorrect. Below are the details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached to this letter are copies of documents that verify my correct address. I kindly request that you update your records accordingly. 

Thank you for your prompt attention to this matter. Please confirm once the correction has been made. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Credit card company harassing me with calls regarding someone elses account.
Product: Checking or savings account

As recent as XX/XX/year>, I noticed that payments have been processed on my account when there were not sufficient funds to cover them. These payments either are rearranged from the date of the transaction and most are not in order. I am then charged NSF for up to XXXX for each transaction which now how racked up to over XXXX. I contacted the bank to ask why these transactions are being processed and not declined and was informed I needed to go in and set up overdraft protection. I informed agent to look at my overdraft coverage and it was in fact set up to not cover nsf but to reject them. I was then informed that overdraft coverage was in fact set up BUT its only for POS and ATM transactions and does not include bill pays. I explained that this is not clear when setting up overdraft. The agent then informed me that I could set up my line of credit to cover the overdraft fees. Informed agent to look at my account and I informed due to ALL of the excessive fees my line of credit is at max and I can no longer cover the fees that continue to mount because they wont block the transactions. I asked for a refund off all fees because the overdraft protection clause was not clear. I was then informed that he was not able to waive any fees. I feel this is unacceptable as I have taken all necessary precautions to make sure my account is protected and yet and still there continues to be an issue of Regions Bank finding a loophole to charge customers more in these fees.
Product: Vehicle loan or lease

The XXXX XXXX dealership finance person using BB & T XXXX XXXX refused to show me the lender that was offering the auto loan and insisted that I use their preferred lender ( unclear who that was though ). I was only able to identify the source of the offering by reviewing my credit report later. I requested to see the offerings on the computer screen, and the individual insisted that I could not see my own information regarding the offering on the computer screen for my " privacy. '' Instead, she offered a handwritten post-it note and insisted that this was the only way to share the offering information with me. I shared that I felt uncomfortable with that and was surprised to see such a high interest rate ( more than double market averages ). Eventually, she relented and allowed me to see part of the screen. I requested to see the offering from XXXX XXXX XXXX, which she refused to show me, even though there is a hard inquiry on my credit account. She scrolled to the top left of the screen where XXXX branding was shown. It appeared to be a XXXX XXXX XXXX portal that had services from several different lenders. The center of the screen had several sections including specific lender information. The finance person refused to scroll to that section and show me who the specific lender was. Based on the facts surrounding this situation, I believe that the individual purposefully withheld information about lenders and rates, because I had caught them misleading and/or lying about the offering details. I offered to use financing that I had externally secured, and the finance person refused to proceed even after I made multiple requests to move forward with the financing that I requested. I refused to proceed without consumer financial information that I have a right to. However, I was never able to secure written confirmation of offerings, rates, or how many credit inquiries were run ( and with who ). Unfortunately, my credit score has gone down, and I have inquiries on my report without having received written offerings of any kind.
Product: Bank account or service

I 'm an accountant and deposited a {$4800.00} check received for Client # XXXX, I also do the accounting for Client # XXXX. Client # XXXX and Client # XXXX are competitors and completely unrelated, and up to this point unaware that I handled each others bookkeeping. I am a signer on Client # XXXX account, but not on Client # XXXX. 
The teller deposited a check made out to Client # XXXX into Client # XXXX 's account, even though the check was endorsed " for deposit only and Client # XXXX 's account number ''. When a vendor tried to cash a check and the money was not in the bank we went Online and discovered the error. We tried calling the bank for over an hour and the phone was never answered. Wells Fargo Customer Service attempted to call for over an hour and a half and never got through. Customer Service suggested I withdraw the {$4800.00} from Client # XXXX and deposit into Client # XXXX account. I refused to withdraw money from Client # XXXX because I had not made an error, the bank had simply put the money in the wrong account, and just because I was a signer on the account they put the money into did not give me the right to take money out. I was simply the carrier, my client had asked me to deposit his check into his account, the bank deposited the check into someone else 's account. 
Customer Service had me drive to the branch ( XXXX miles ) because they were unable to contact them by phone. When I arrived at the bank the head teller corrected the mistake, but then doubled the amount of the deposit. The bank manager suggested they could give me free deposit slips to compensate for the error. Here 's what I feel they did wrong : 1-Teller did not verify name on check with the account it was being deposited to. 
2-Teller did not verify account number on the back of the check with account deposited to. 
3-Branch does not answer incoming calls. 
4-Customer Service Rep unable to rectify error even though she had images of the check. 
5-Customer Service suggesting I withdraw funds from someone else 's account, that the bank had deposited to in error. 
6-Customer Service issuing a reference number while the problem was being investigated, even though she had all the facts. 
7-Client # XXXX had access to the image of the check made out to Client # XXXX violating Client # XXXX 's privacy, for he now has all the information for Client # XXXX 's account, amount of check, the vendor whom the check was from. 
8-Has violated client # XXXX privacy by suggesting I withdraw the funds and disclosing the balance in the account unrelated to the deposit. 
9-Asking the customers accountant to drive to the branch because they would not answer the phone. 
10-Caused a difficult situation between my clients and myself, for the only connection I had in this situation was being the driver of the check. By the teller automatically attaching a deposit I brought to the bank to another account that I was a signer on she linked XXXX competitors that have lost trust in our relationship.
Product: Debt collection

Allied Collection Services  last reported to my credit on   XXXX   XXXX   XXXX    . I do not owe a balance to this collection service. This agency continuously reports to my credit, negatively affecting my credit reputation. I request the debt to be removed from my credit report because the balance is paid.
Product: Mortgage

We have had a very good payment record with Nationstar Mortgage, also known as Mr. Cooper, for many years. We have not had an escrow account with them since XXXX. We pay our county taxes on our own with no issues. This year, due to the Pandemic and loss of income, we were making regular monthly payments on our county taxes. When we went to make our final tax payment of {$580.00}, to our surprise we found that the mortgage company had made the payment. We had no idea they were going to do this. We contacted the mortgage company on XX/XX/XXXX by phone, in order to find out what happened and why they did this and also to reimburse them for that amount, which we did. In the phone call we were told that they had created an escrow account, because our taxes were " delinquent ''. They said they had sent us a letter regarding that, which we did not receive. We informed them that we did not want an escrow, since we hadn't had one for many years. They said it was permanent, they would not remove it and that it is for the remaining life of the loan and there was nothing we could do to change that. Our regular monthly mortgage payment has been {$470.00} for years. Now that they have opened an escrow account, our monthly mortgage payment, effective XX/XX/XXXX, will now be {$890.00}, which is basically double what we have been paying for the past 4 years. This doubled payment creates an extreme hardship that is absolutely unfair and unjust. We have been a great paying customer of theirs for many years. They have never had to intervene to pay our taxes since we removed our escrow. I would assume that some basic human decency and customer service should apply here and give us some consideration for this one time situation that occurred during a Global Pandemic. We are requesting that they remove the escrow account and restore our payment to {$470.00}, as it previously was. Thank you very much for your assistance in this matter.
Product: Mortgage

At the end of XX/XX/2018, NewRez contacted me about my loan application with XXXX XXXX   and offered me to match or make a better offer if I applied with them as they will offer me a portfolio loan meaning NewRez was in need to sell my loan. By midXXXX, I started a new application with NewRez and I received an approval in XXXX. However, NewRez did not fund the transaction explaining by the end of XXXX that the loan could not close because the property was title on a Land Trust even though this was disclosed at front along with the trust documents from the beginning of the loan application. Then, I agreed to remove the property from the land trust as I was assured that this was the only item holding funding after underwriter review. 
Just after the property was removed from the Land Trust I filed a new application with NewRez as it was instructed and a second approval was received on XX/XX/XXXX. However, Im still waiting for closing today and the file still under review. NewRez requested updated documents like title work, updated statements, a letter from one of my lenders, title work, proof of insurance and these documents were provided in a timely manner. Ive been told several times closing is next Friday as everything else has been approved, but the title company confirmed that NewRez has not sent finalized documents to fund the transaction tomorrow XX/XX/XXXX. 
I had spent money and time to fulfil every request, I paid to remove the property out of the trust, I paid for the appraisal and I put a hold to my business, so I do not change my financials or credit history while the file still pending with the underwriters. In sum, my file has been under review with the underwriters for final review for more than a month, but no one seem to be taking my file seriously.
Product: Mortgage

My servicer paid my property taxes late. Taxes were due on XX/XX/2020 in the amount of {$17000.00}, but the servicer paid the taxes on XX/XX/2020 with late fees and loss of discount in the amount of {$17000.00}. I contend that the servicer is responsible for the {$610.00} discount loss and fees. 

The servicing of my loan transferred to the new servicer Fay Servicing on XX/XX/2020. I realized on XX/XX/2020 that they had not paid the due taxes on time and contacted them that the taxes were late. 

My requests for credit of {$610.00} are being dismissed by their representatives. I call them, wait for hours on hold, get a representative in a different country who can't help me, then wait on hold longer until I get a US representative who tells me Fay Servicing isn't responsible to reimburse me that difference. US representative " XXXX '' reviewed on XX/XX/2020 reference number XXXX. This seems to be a clear violation of " timely payments '' in RESPA. 
XXXX XXXX
Product: Credit card or prepaid card

I accepted a balance transfer offer from XXXX for a XXXX University-associated card. The first bill included the full balance transfer fee plus the minimum balance calculated, for a first payment of nearly 10 % of the balance due. The fee is less than the remaining available balance. 
The Cardmember Agreement does not identify this fee as payable immediately or indicate in any other way that the transfer fee would be required to be paid in full.

I called the company and they pointed to a small paragraph on the back of the mailing card ( 1 of 4 documents ) stating that the minimum paying would be " ... the current cycle fees and finance charges plus 3 % of the new balance '' and claimed that the balance transfer fee qualifies.

I have done several balance transfers with multiple cards over the years and not one single time has a company tried to front-load the fee. This is not standard for the industry and was not disclosed clearly at any point, certainly not before I agreed to the transfer. 
In addition, the Cardmember Agreement expressly states in Section 18 " Other Terms '' that " This Agreement replaces any prior communications between you and us '' and the Agreement does not identify, disclose, or even suggest that the fee would be due immediately.
Product: Debt collection

On XX/XX/XXXX I was notified by XXXX that a collections account had been placed on my report. The collections company was listed as ARC Management Group LLC and the creditor information was listed as XXXX purchased business ( see attached ). It states that this is a medical creditor but does not include any contact details regarding the creditor. I immediately disputed this information with XXXX as I had NEVER received ANY communication from ARC Management Group and am unaware of any outstanding medical bills. XXXX responded to my dispute by stating that the information was 'verified as accurate and updated ( see attached ). I called XXXX to request a copy of the information that was submitted to them as proof to verify the debt as accurate and the operator was unable to offer any information other than letting me know I should contact ARC Management Group directly at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( see notes from XXXX ) XXXX I sent a certified letter to ARC on XX/XX/XXXX requesting verification of the debt. I also tried calling them at the number given to me by XXXX and was not able to speak with a live operator. The letter requesting additional information ( copy attached ) was delivered to the front desk receptionist and signed for at XXXX on XX/XX/XXXX ( see attached delivery confirmation ). As of today 's date ( XX/XX/XXXX ) I have yet to receive ANY response to my letter or communication. However, on XX/XX/XXXX, I received the original letter back in the mail marked 'Return to Sender ' ( see attached photo ). So, after having the letter in their possession for over a month, they not only failed to contact me regarding my request for debt validation, they decided to reseal the letter and return it to me as if it had never been in their possession. This company is very obviously not afraid to lie and commit fraud. ARC Management Group LLC never sent me a notice of debt prior to reporting to the credit bureau and has falsely returned my letter as if they never received it rather than send me the proper notice of debt and documentation regarding the validity of this collections account on my credit agency report ( XXXX ).
Product: Debt collection

I tried calling this company a couple times to verify the debt and asked them to send info to me ( They never did ) I also tried disputing the medical debt on my credit report to no avail.I was a victim of an assault in XX/XX/XXXX and was sent to a hospital without my consent and left within an hour and walked home... I never received any information from the hospital and on XX/XX/XXXX this debt was sent to collections for {$5600.00} from a collection agency named AARGON AGENCY ... .This too me is fraud and should be taken off my credit report ... .No knowledge of the company ... .Please help me resolve this matter Thank you XXXX XXXX
Product: Mortgage

I had autopay set up with my Citizens Bank mortgage. The payment was supposed to go through on XX/XX/XXXX, but because that was a bank holiday, it went through on the XXXX. However as of XX/XX/XXXX, the account was only updated as of XX/XX/XXXX. The website told me that I was one day late on a payment, and so I immediately made a manual payment, thinking that autopay had not worked. However, it had and I had made an additional payment, which I now will not be able to get back quickly. 

The website gave me false information. It should not have informed me that I was one day late on a payment if autopay was set up. This was a failure in website design which gave inaccurate information that was relevant to my financial wellbeing. As a result, I will be out over {$3400.00} this month and will struggle to make my other expenses.
Product: Mortgage

I sent all payments due fo rmy mortgage, have tracking number, but company still has not applied it. I paid over XXXX, XXXX  I am contacting state attroney general consumer complaint unit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific inquiries in my document coming about because of the wrongdoing. The inquiries I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX  Inquired on XX/XX/XXXX, XXXX - XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TRANSUNION, for the continued reporting of an inaccurate, unverifiable bankruptcy in my credit report. This has negatively impacted my credit profile, even though the reporting is based on improper sources, lacks verification, and violates my privacy rights. I am requesting that the CFPB intervene to enforce the immediate removal of this bankruptcy and all associated accounts from my credit report.

The reporting of this bankruptcy is inaccurate, unsubstantiated, and violates the Fair Credit Reporting Act ( FCRA ), as detailed below : 1. Inaccurate and Unverifiable Reporting ( FCRA 1681e ( b ), 15 U.S.C. 1681c ) - The FCRA requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of reported information. Since courthouses do not directly report bankruptcy information to credit bureaus, the source of this information is unverifiable, and its continued reporting lacks a legitimate basis.

2. Unauthorized Public Dissemination of Private Information ( FCRA 1681b ) - The FCRA stipulates that credit bureaus can report consumer information only with consumer consent or for permissible purposes. I have not authorized any credit bureau to report this bankruptcy, making the current reporting of this information a violation of my privacy rights.

3. Failure to Provide Verification ( FCRA 611 ( a ) and 611 ( a ) ( 7 ) ) I disputed this bankruptcy with each credit bureau. Under FCRA 611 ( a ), credit bureaus are required to investigate within 30 days and delete unverifiable information. FCRA 611 ( a ) ( 7 ) further grants me the right to detailed information regarding the verification, including the name of the source and methodology used. The bureaus failed to provide adequate verification, and this bankruptcy should be removed.

4. Additional Violations and Potential Liability Under 15 U.S.C. 1681 ( a ) ( 4 ), the FCRA protects consumer information to avoid damaging consumers creditworthiness and reputation. Sections 15 U.S.C. 1681n and 1681o outline liabilities for willful or negligent non-compliance with the FCRA. The continued reporting of this bankruptcy is improper and subjects these bureaus to potential liability.

5. Debt Validation Requirement ( 15 U.S.C. 1692g ) If the bankruptcy information was obtained from a debt collector, 15 U.S.C. 1692g requires validation of the debt. If validation has not been provided, the reporting remains unauthorized and unverifiable.