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

We have a business checking account with Fifth Third Bank in XXXX, XXXX Their minimum balance for service fee waiver was {$25000.00}, which we maintained easily. However, in XX/XX/2022, they raised this minimum balance requirement to {$50000.00} ( a 100 % increase ) and the service fee was also increased to $ XXXX ( from a previous $ XXXX ). We did not receive proper notification of such action. While checking year end status of our business account, I noticed that there had been a monthly service fee of {$50.00} applied since XX/XX/2022 with a foot note stating the reason of us not having a $ XXXX average balance. We went through our XXXX mails and emails and could not find a notification of this change by the bank. So, we called the bank 's business customer service line and talked with XXXX and explained our situation. He insisted that a mail had been sent, we stated that we hadn't received such a mail and perhaps this could have been misplaced by the post-office or bank 's mail room. He only agreed to waive one month charge, leaving us with a {$100.00} service charge on our account. 

following this we went through bank 's statements on their web portal. The first page of XX/XX/2022 statement was regular as before, but on the second page there was a notification of their intent to increase the minimum balance requirement by 100 % in XXXX. 

My contention is that this was not a proper notification of such a monumental change in their business practice, where customers ' minimum balance requirement was to be increased by 100 %. There should have been an email or a regular mail in addition to notification to the customer during the first month of implementation that the customer is now being charge and should consider corrective action or move the account to another bank. 

I consider it poor banking and business practice to sneak in a monumental change in minimum balance requirements by adding a page to monthly statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, and XXXX  s reporting 8 account that is closed. Only 1 should be closed as paid is from XXXX. Never been associated with these account. Would like them to remove these remarks immediately. Also theres addresses and my name is being misspelled only should be XXXX XXXX XXXX XXXX XXXX address and XXXX XXXX XXXX address should be in my credit report
Product: Debt collection

I checked my credit report moments ago and noticed for the first time that I had an unpaid collection listed. I never received any notices about this balance. 

The collection does not list an original creditor. It simply lists the name XXXX XXXX. The amount is {$720.00}. This is fishy and I do not know what to do. Has someone stolen my identity? Is there a way I can get more information about this collection without paying money? 

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

Every month Since XX/XX/2021 I have disputed inaccurate public record information and transunion either ignored my disputes or lied regarding the validity. Never providing the inquired investigation proof by law I am entitled to. By federally law an investigation of any alleged accounts must be a personal investigation, neighbors, family and/or friends. Congress never said you can buy bundled data electronically and that makes it accurate. Transunion never investigated the data they placed on my personal report thats completely harmed and hindered my well being and my childrens well being. So, I did their job for them. I investigated and attached is proof that Transunion has violated me for years and Congress states I am owed damages. No courts disclose information
Product: Mortgage

We received notice of transfer of mortgage account from XXXX XXXX XXXX Servicing to Carrington Mortgage XXXX XX/XX/XXXX. 
When we contacted Carrington Mortgage on XX/XX/XXXX we were told by both XXXX XXXX on Phone & thru Carrington Mortgage XXXX XXXX that the mortgage account would not be ready until Friday XXXX XXXX as Carrington was still in process of onboarding the account. 
Today Friday XX/XX/XXXX we contacted Carrington Mortgage by phone as requested & were told the account can not be found and is still in the onboarding process which takes XXXX business days. This is not what was said on the Carrington online portal, however now on XXXX XXXX the Carrington online portal says their is a problem with the account & contact customer service. We have been getting nothing but a complete runaround since XX/XX/XXXX and it is not acceptable. We need to request our account information immediately from Carrington for a payoff Figure through XX/XX/XXXX and a debt validation letter.
Product: Debt collection

BCA Financial Services for a medical debt of XXXX and XXXX has not shown me receipts or itemized bill or what doctor I saw. The bill has been paid. I have no record of this bill or what it was for. I have no idea what was billed to my insurance company. I have reached out several times in the past years and have not gotten a sufficient response or what the bill was for. They are in violation of the Fair Credit Act.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctoring of estoppel by the silence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. nor therefore any such debt in therefore exists. ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXX XXXX. {$16000.00}, XXXX XXXX XXXX {$16000.00}, XXXX XXXX XXXX XXXX {$630.00}, XXXX XXXX  {$510.00}, XXXX XXXX XXXX XXXX {$150.00}, XXXX XXXX XXXX XXXX. {$750.00}, XXXX XXXXXXXX {$720.00}
Product: Student loan

First of all, I did n't attend the school After about 6+ weeks. I ( formally ) a withdrew to take care of my Mother whom had early onset XXXX. I contacted the school after I I realized the U.S.Departmet of Education that the school had continued to have me listed as an active student. I applied and received a student loan discharge from " nelnet '' ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Now comes XXXX XXXX, I sent them ALL the necessary income statements, signed and notarized. Not satisfactory to them. I worked two ( 2 ) part-time jobs until my health began to decline again. I can do some work ( I have a ticket to work ). I 'm quite sure the USDE clearly has ways of verifying information, even without permission. I asked them to allot me more time to receive my W-2 's, to no avail. I need your help to resolve this matter, before they start tampering with my Social security, taxes or whatever means they need to snatch money I 'm intitled to. Now I able to work only ( 1 ) one day a week at XXXX XXXX cleaning the church. XXXX is scheduled for the first 2-3 months of XXXX to remove 2 ( two ) XXXX XXXX and and have them replaced with XXXX XXXX I 'm not THAT mobile. HELP!!!
Product: Checking or savings account

I sent an ACH transfer to BBVA for XXXX $ and they never posted it. They only posted the wire for XXXX $ XXXX employees stole the XXXX $ Ach transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX did not help me remove the accounts after so many attempts of writing dispute letters.. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ACCT ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, DC  XXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Subject : XXXX XXXX Experian for Inaccurate Credit Reporting and Unfair Practices Dear XXXX XXXX I am writing to formally lodge a complaint against Experian regarding their continued bad practices in credit reporting. Despite having a commendable payment history and recently paying my credit card balance down to zero, I have experienced an unexplained and unjustified drop in my credit score by XXXX points. 

According to 15 U.S.C. 1681a, credit reporting agencies are required to report accurate information. However, Experian has failed to do so in my case. My credit score should reflect my responsible credit usage and timely payments, not arbitrary deductions that lack any reasonable explanation. 

Furthermore, I am aware of the CFPB 's ongoing actions against Experian for conducting sham investigations that fail to properly address consumer disputes. Experian uses faulty intake procedures and does not accurately convey all relevant information about disputes to the original furnisher. They routinely accept the furnishers response without proper scrutiny, even when those responses are improbable or illogical. At the conclusion of their investigations, consumers receive notices that fail to communicate the results clearly and instead provide confusing, ambiguous, or incorrect information. 

Additionally, Experian has been found to improperly reinsert inaccurate information into consumer reports. They lack basic matching tools to prevent or reduce the likelihood of reinsertion by a new furnisher of a previously deleted tradeline. This means that consumers who have disputed the accuracy of an account may see the same inaccurate information reappear on their credit report without explanation under a new furnishers name.

These practices not only violate the Fair Credit Reporting Act ( FCRA ) but also contravene the Consumer Financial Protection Acts prohibition on unfair acts or practices. I urge the CFPB to take decisive action against Experian to stop their unlawful conduct, provide redress for affected consumers, and impose necessary civil penalties. 

I request that both the CFPB and FTC investigate this matter thoroughly and take the necessary action to ensure that Experian adheres to the laws governing fair credit reporting. It is crucial for consumers to have access to accurate and fair credit information. 

Please let me know if you require any further information or documentation to assist in your investigation. Thank you for your attention to this matter. 

Sincerely, CFPB THIS HAS GOT TO STOP THE CRA 's ARE RUINING CONSUMERS CREDIT REPORTS ON PURPOSE.
Product: Checking or savings account

I had Money in my SavingXXXX. We did not know there was a Check from USAA sent to our account. We did not even know. The money came and went out the same day to another Account of Our 's than the money from that other account was gone everything in one day. 
XXXX said sorry but it was not there fault. 
We called USAA because it was drawn under USAA was made to XXXX XXXX but the was not our signature. They also refuse to help us. They froze my accounts without letting us know.They telling us it was fake check one for {$3000.00} and {$2500.00}. Nobody wants to take the blame. Large amount both banks should have verified the checks called us but nobody did. 
We need help to get our {$5500.00} back. Is my money somebody is responsible either XXXX or USAA. I am very upset. This caused big problems between me and my Spouse. 
Please help.
Product: Debt collection

XXXX XXXX XXXX was placed in charge off status I reached out to either settle the debt or make payment arrangements there csr rep put me through to a collections specialist. The specialist informed me that my account had been sold and that she could not help me I needed to call back in a few weeks and that a letter would be sent with the information for the new company. I waited for weeks and called back no luck nor did not receive a letter. I started receiving calls from this company MNS saying I have a legal action against me and that a judge has will motion a civil suit and arrest against me. On XX/XX/XXXX I make a phone call out to this number 877 number a gentleman tells me that I am going to taking to jail and have a civil action placed against me if I do not pay this {$700.00} dollar balance. I did cut him off and informed him that I have made attempts to pay the balance and no notice was sent to me and every time I call I get nothing. I said if you send me a balance due invoice, I will look at it call back and work on paying. He informed me that he was not sending me anything. I will either pay or be sued or arrested. It got into a heated argument at the point where I told the gentleman do not contact me again and hung up. They have even called my mother on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 10 times in a row leaving voicemails on her line my mom answered once and asked them to stop calling her. I get this local XXXX XXXX XXXX number calling me they will leave a voicemail with people just talking in the background. on XX/XX/XXXX my work line received and missed phone call and voicemail with the same thing. My co-manager called the number back he proceeds to ask for me but butchers the name and my co-manager says he has the wrong number this is a clubhouse line. He tells my manager to stop lying he knows it is me she said I have no idea what you are talking about this a work line. I am being constantly harrassed my co-workers are being talked to in an ill manner and my mother is being harrassed. I need this to stop before I lose my job.
Product: Credit reporting or other personal consumer reports

This morning, I was saddened and frustrated to find unauthorized inquiries on my credit report for no apparent reason. Even after troubleshooting, the issue remains, and Im asking for immediate and thorough action in reviewing the documents I've sent so that I can stop worrying about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

XXXX XXXX : XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX : XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report for the 2nd time this year, previously in XXXX. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report, unless you want to be held to {$1000.00} per violation. In addition, there has been a violation of my rights according to FCRA, with violations of 15 U.S.C 1681 section 602 A. Stating I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2. Stating a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX charged off my account in XX/XX/XXXX but has inaccurately continued to report the account as being in collections to Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. This reporting inconsistency violates the Fair Credit Reporting Act ( FCRA ), which requires credit information to be accurate and up to date. 

When I disputed this with Experian, they responded within an hour stating the reporting would remain unchanged, despite the clear violation of the FCRA. I am requesting a proper investigation and resolution to ensure compliance with the FCRA and accurate reporting of this account.
Product: Checking or savings account

Synchrony Bank has sent evidence of accounts with the purpose of transfering IRAs This is also not recognized as a valid account established by myself. The IRA is not one I have been informed of.The company is stating an agreement must be completed by me but also is the listed bank affiliated with PayPal Corporation.
Product: Student loan

Hi, CFPB - I'm hoping you can help me with an issue impacting me and many others in the XXXX XXXX XXXX XXXX program. 

I finished my XXXX XXXX XXXX, and have been fortunate to be awarded several post-graduate opportunities, including working as an XXXX  Fellow at the XXXX XXXX  XXXX XXXX ( XXXX  ). Recently I completed XXXX  months working in XXXX  as a sub-contractor for the XXXX XXXX XXXX. 

While XXXX  and XXXX  clearly would qualify as non-profit/government employers for the XXXX program, because I was in a Fellowship program for one, and a sub-contractor for the other, these XXXX years don't count towards XXXX, and are significantly setting me back on my debt-repayment timeline and progress. Can you help? 

I'm sure this issue is impacting thousands of other gradates as well and I would like to have the XXXX  program modified to include fellowships and sub-contractor positions. I did reach out to my state congressman 's office, but didn't receive follow-up action from them. 

I'm eager to fix this issue to help myself and many others and really appreciate your help. 

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

Equifax failed to safeguard my personal financial and credit information. As a direct result of their inadequate security measures, equiifax allowed hackers to gain access to my information and then they failed to notify me of the issue. Only when announced by the media months later did I learn of Equifax 's massive failure to safeguard my information. 

The Equifax website confirms my personal information was among the data stolen.
Product: Mortgage

My bank sent a physical check to Loan Depot in the amount of {$15000.00} to pay down a portion of my mortgage loan. The check was received by Loan Depot on XX/XX/2023, according to their own records. 

Loan Depot rejected the check, citing that certified funds are required. I received this letter of rejection via US mail on XX/XX/2023. I subsequently called their customer service for further explanation and a resolution but I received neither. 

I called the check-source bank about converting the check into certified funds but they are unwilling to fulfill this request as a matter of cost, remarking that it is unusual for a check to be rejected in this manner. Additionally, they can not send the funds digitally to Loan Depot, and they can not send the check to me so I can cash it and forward the funds to Loan Depot digitally. 

As a result, I'm stuck in a bureaucratic deadlock to which Loan Depot benefits as I am forced to pay more interest each month. I want Loan Depot to show me where I agreed to waive checks as a valid form of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

A complaint was sent to Experian to investigate inaccuracies on my consumer report on XX/XX/2023. 
The investigation is more than 30 days According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. This is a violation of my rights. 
Update this accounts as paid in time. XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX***
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

Bankruptcy Equifax Reference # : XXXX Applicable Legal Basis for Dispute 1. Verification Requirement ( 15 U.S.C. 1681i ) : - The FCRA mandates that all disputed information be verified within 30 days of a consumers dispute. If the information can not be verified, it must be corrected or deleted. 

2. Obligation of Accuracy ( 15 U.S.C. 1681e ( b ) ) : - Consumer reporting agencies must ensure maximum possible accuracy of the information in consumer reports. The inaccurate or unverifiable information regarding the charge-off account violates this requirement. 


3. Re-Aging of Debt ( 15 U.S.C. 1681c ) : - The FCRA prohibits re-aging of old debt. If the date of first delinquency is inaccurately reported, the charge-off may appear on my credit report longer than the allowed 7 years. 





4. Validation of Debt ( Fair Debt Collection Practices Act, 15 U.S.C. 1692g ) : - Under the FDCPA, if the debt is being collected by a third party, I have the right to request validation of the debt, including proof of ownership and the amount owed. If the creditor or collection agency can not validate the debt, it must be removed. 

XXXX. Court Name : o XXXX lists XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXikely XXXX XXXX XXXX XXXX XXXXXXXX is intended ). 
o The name appears truncated or misspelled. 
o XXXX : NONE 2. Date Filed/Reported Discrepancies : o XXXX XXXX XX/XX/year> o Equifax : XX/XX/year> o XXXX : NONE o This inconsistency suggests the reported dates may be inaccurate or unverifiable. 
XXXX. Reference Numbers : o XXXX  Reference : XXXX o Equifax XXXX : XXXX o XXXX : NONE o The reference numbers are inconsistent between bureaus, raising doubt on the reliability of reporting. 
XXXX. Closing Date Missing for Equifax : XXXX Equifax does not display a Closing Date while XXXX lists it as XX/XX/year>. 
XXXX. Dollar Amounts : o Both bureaus list {$0.00} for Asset Amount, Liability, and Exempt Amount, which might suggest incomplete or unverifiable information. 
o If a bankruptcy was filed and discharged, there should be values associated with assets and liabilities. 
6. General Formatting Issues : o Some data is misaligned, such as Remarks not showing additional context.
Product: Money transfer, virtual currency, or money service

Some how my card keep getting u Unauthorized charges from out of town
Product: Credit reporting or other personal consumer reports

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 $ These are all reported without my consent or knowledge, ive tried disputing contacting, removing, by all accounts these should not be on here. 

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. They also have no permission to report anything using my info pursuant to 15 USC 1681 4. 

Also Used 15 USC 1692 C, They violated my rights by lawful communication, remove all these from my accounts, Ive gotten no movement and they havent removed anything. Would like this handled fast
Product: Credit card or prepaid card

My PenFed credit card was hacked and fraud took place. I followed all of penfed directions, getting affidavit notarized, etc. After I had submitted the forms I was then called by a pen fed bill collector about the account being in arrears and explained the situation. After the call, PenFed CU took the money out of my savings account and applied it to the credit card and cut me off of my online accounts, I have 2 mortgages with them. I have called customer service several times to get the problem resolved and still no luck. This has almost been a year. XXXX of last year is when the incident occurred. I advised them I was going to contact you, apparently they do not care.
Product: Credit reporting or other personal consumer reports

This company is reporting different information to XXXX and XXXX which isn't accurate. I requested accurate documentation this debt belongs to me and they didn't respond.