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

I have a savings/checking account with TRUIST. The Bank charges a XXXX XXXX  monthly maintenance fee when the savings account balance is below a certain balance. ( {$5000.00} ) I contacted Customer Service and notified them that they had been debiting the account improperly when the balance was high. I, the consumer had to provide them with the dates of the debits and the balances. Although I identified more than a dozen instances of improper charges the claimed to have an internal limit on what they could refund for these improper debits. They admitted the error, refunded just {$75.00} ( 5 months ) and claimed no liability for more charges dating back to at least XX/XX/XX/XX/2022and beyond. 
On a second call to their service line they admitted the error and said, sorry, {$75.00} is all we can do. 
One can only imagine how many consumers are unaware of this improper fee collection.
Product: Credit card or prepaid card

I made a {$5000.00} payment on one of my chase credit cards. Unbeknownst to me, the default payment account had defaulted to an older account I dont use. I didnt notice this when I made my payment. 

As a result My payment was returned to to insufficient funds. Chase mailed me a paper letter stating the payment was returned. By the time I got it, my payment was late and reported to XXXX XXXX causing my credit to drop over XXXX points. 

I have been a customer for XXXX years with a perfect payment history. Ive never been late before, and use online banking for everything including the alerts I get from chase that they received my payments, or I have a payment due. Why chase didnt send me an email Notifying me the payment was returns baffles me. There is zero grace for an honest mistake and obviously an attempt to make a payment was made. I immediately rectified the mistake when I got the paper notice, but by then it was too late. I called customer service and received a sorry its all automated nothing we can do. 

This lack of customer service, especially for a loyal customer with a perfect payment history is beyond disappointing. Additionally the communication method used for such a time sensitive and important issue is unacceptable, especially when I have text alerts and email as my preferential forms of communication. They did not give me an opportunity to correct an honest mistake in a timely manner and as a result my excellent credit rating dropped to fair. The lack of attention to the matter when I called is also beyond disappointing. This is especially disappointing because we were in the middle of trying to get an RV loan that was offered to me at an extremely high rate due to the negative impact on my credit score.
Product: Credit reporting or other personal consumer reports

It appears that my credit information with you has been compromised. Despite submitting an FTC report # XXXX, it has come to my attention that these items are not being removed. This is my sixth attempt to notify you about the incorrect credit reporting, and I am writing to dispute these items in my file. I have attached my new FTC report with reference number : XXXX. The items I am disputing are not related to any transactions in which I obtained goods, services, or money, nor were they authorized by me. Please remove the reporting of any items in my credit file that resulted from incorrect credit reporting : 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 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 These items are unknown to me. Also, the information you provided on these items are DELETED from other bureaus and, I have doubts about their accuracy, and the reported payment history on these accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Checking or savings account

PNC bank will not close my account and continues to attempt to charge me frivolous monthly service charges and statement fees and then threatens to charge me overdraft fees on top of the charges they tack on. They literally are stealing from me. This is robbery! 

Attached is email of XXXX balance ( Frivolous bank charge ) and threat of more fees.
Product: Credit reporting or other personal consumer reports

Experian has refused to acknowledge my dispute letter dated XX/XX/2024, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). According to 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), credit reporting agencies such as Experian are legally obligated to conduct a reasonable investigation upon receiving a dispute from a consumer. Failure to acknowledge receipt of my dispute letter not only disregards my rights as a consumer but also undermines the FCRA 's provisions intended to ensure accurate and fair credit reporting. This disregard for protocol is concerning and necessitates prompt resolution to rectify the inaccuracies on my credit report.
Product: Mortgage

I started my home buying process in XX/XX/2019. I was promised by a Senior mortgage lender specialist at XXXX XXXX, a Division of XXXX XXXX XXXX, XXXX, that I qualified for two  grants in the state of MD and that it would be an FHA loan. I sent all the necessary documents that was required from the rep and even met with her and my realtor in person to ensure everyone was on the same page. Mid XX/XX/2019, I had questions regarding the amount of grant money I was receiving and found out that I was only receiving one grant which was not previously discussed but that I was still approved. At this point, I was informed my interest rate was locked in, what my monthly payment would be and cash to close. 7 days before my closing date of XX/XX/2019, I was informed that I no longer qualified for FHA and that I had to go conventional ; my interest rate went up .5 % and my monthly payment was going to be {$200.00} more than what was promised, my loan was never processed correctly by the rep. I contacted the district manager and the reps direct supervisor to explain my concerns and frustration. I was moving in a week and did not have a definite answer on why I was already told my FHA loan was approved and why were payments and interest rates changing at the last minute. I had already begun saving the necessary money to close my FHA loan and was legally binded in a contract with the seller of my new home. I never got the answer but instead was promised by the two of them that they would fix my loan. Five days away from closing I was informed I had to take a {$100.00} certification class that teaches you about the entire home buying process which should have been the FIRST step not last. I had expressed my interest to my loan rep on the importance of me learning this information to become knowledgeable in the beginning and she informed me I had to sign up on my own, another time. I am now TWO days away from moving and closing and I still do not have an approval from this company because of their negligence. They have yet to inform me on what it is they are able to do as a company to make up for their mistakes. This company has FAILED me miserably! This is supposed to be the happiest time of my life and they took that experience away from me. This entire transaction is unethical to mislead clients and put them in a position to be forced to take a loan they were never informed of days before closing. I have been given Inaccurate information countless times and would never wish this experience on ANYONE! I do NOT recommend doing business with this company. I will never forget how painful and stressful this experience has been.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX  XXXX XXXX XXXX XXXX ), Has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.|
Product: Credit card or prepaid card

I originally had a savings, a checking, and a credit card account with XXXX. When they ceased operation and the accounts were transferred to Citizens Bank on XX/XX/XXXX, soon after that I contacted Citizens and closed my savings and checking accounts. I never received a new credit card from Citizens Bank. I'd moved on to use other bank and credit card. 

On XX/XX/XXXX, there was a {$10.00} fraudulent overseas transaction on my Citizens credit card, I did not notice the transaction until XXXX, when Citizens notified me by mail the balance was overdue. I contacted customer service at Citizens on or about XX/XX/XXXX and the representative put the card on hold, and requested I speak to " fraud department '' to remove the transaction. However no one answered after a 40 minute wait. 

On XX/XX/XXXX, I contacted Citizens again. I spoke to a customer representative about the fraudulent activity and again was transferred to the " fraud department ''. No one came to answer after an hour wait time. 

I wish to have the issue resolved and my Citizens credit card be cancelled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a patron of XXXX XXXX years ago. The service was terrible, so I paid off my account and ported my number to another service provider in XXXX. I went to the XXXX XXXX Office, told the associates I wanted to port my number to another provider. They checked my account to make sure I didn't owe a balance. ( You can only port if you don't owe a balance on your account! ) Then they called the new service provider to give them the port code. They were supposed to give me a XXXX dollar gift card for turning in my XXXX, as well as over XXXX bucks in rebated fees for the poor service, never received any of it. I called and called. That should have been the end of my business with XXXX XXXX, months later they tried to bully me into paying them more money for a bill I didn't owe. I don't know who this I.C. System Company is? How can these people put anything on my credit bureau, I have not heard of them or done business with them ever! They need to remove their record from my report, they know absolutely nothing about this ordeal!
Product: Checking or savings account

Formal Complaint Regarding Uncompensated Fees and Business Loss with Navy Federal Credit Union To Whom It May Concern, I am writing to formally file a complaint against Navy Federal Credit Union regarding fees and practices that have negatively impacted me as a customer. I have been directly affected by the illegal practices addressed in the following settlement : Overdraft Fees ( XX/XX/year> XXXX ) : XXXX XXXX charged me overdraft fees in situations where sufficient funds appeared to be available at the time of transactions, as well as fees on peer-to-peer payments. 

Despite this settlement, I have not received any compensation or relief. These fees caused significant financial harm, including the default of my business account. The cascading financial impact has been substantial, as my business operations were disrupted, and I have faced additional costs and penalties to my personal account as well as my business account named XXXX XXXX XXXX. NSF fees have also been a very negative contributing factor.
Product: Debt collection

On XX/XX/XXXX i received notice on my credit report that i owed XXXX XXXX {$230.00} being reported by waypoint resource group LLC who is a collection agency so i called them up and talked to them on the phone about this new collection.they told me that my date of my last payment was XX/XX/XXXX I have no Knowledge of this account and i have never had XXXX XXXX XXXX.I have submitted disputes to all 3 Credit Bureaus as they are reporting my last payment was XX/XX/XXXX which is not what they told me when i talked them on the phone.i need them to update my file with the correct date they told me on the phone or delete this frivolous and inaccurate account on my file.the 2 credit bureaus have verified this account as being accurate and 1 has deleted the file ... Waypoint Resource Group has failed to provide me any contract or documentation regarding this account being true.and owed by me.
Product: Credit card

I had a Capital One Savor card for many years. It had no annual fee and a 4 % cash back reward on food. In XX/XX/year>2024, I received a message from Capital One asking if I wanted to upgrade this card. I accepted the offer even though it didn't clearly indicate what the upgrade was. 

Tonight I called Capital One to inquire about the change in the card was. The informed me the new card had no annual fee but the cash back was now 3 % instead of 4 %. They said if I wanted 4 % I had to obtain a different card that had a {$95.00} annual fee. My old card plan was no longer available since I chose the " upgrade ''. 

Since the new plan was clearly a downgrade, not an upgrade, I believe this was unfair and deceptive.
Product: Checking or savings account

chase bank allowed a third party some law form to place a hold on my checking acct. this was a joined account but I have communicated with my husband for the last 5yrs. i did not remove his name from my checking acct, but the bank should have reviewed the acct that is only apportioned by me XXXX has nothing to do with my acct. why a third party went in my personal checking acct and place a hold
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing a section of my credit file related to fraudulent activity. There are still accounts that should be removed. Under FCRA Section 605, you are required to remove any inaccurate records. I have already included this documentation in a previous letter, and I am resubmitting it for your reference. My attorney is aware of my intentions, and they are prepared to hold you accountable for continued non-compliance. 
XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXX Balance XXXX {$7100.00}
Product: Credit reporting or other personal consumer reports

I been dealing. With this years and years I hav sent documents of social security number and card, driver license document proof of address and police records to XXXX, EXPERIAN, and XXXX and its like no one is doing anything to help me nothing has change and I started this process XXXX 10 years ago
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

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 


I looked at my Experian credit report on XX/XX/year> and notice some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Every since I filed my complaint about my loan rate and closed my CD and checking accounts with Navy Federal Credit Union, I have not been able to gain mobile or online access to my remaining accounts. I contacted an agent via email and still have not been allowed access to my accounts.
Product: Debt collection

XXXX XXXX 2015, Good Morning Attorney General, My name is XXXX XXXX XXXX, I am a senior Citizen, on XXXX! XXXX 2015 i gave written notice to the Management of the XXXX of my intention to terminate my lease at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
I was advised that there would be a early termination fee and i gladly accepted to pay it. 
Once i moved out, i verified that they indeed had my forwarding address, they advised me that i would receive a bill in the next few weeks. 
Yesterday i received a phone call from a collection agency named IQ DATA INTERNATIONAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX, they claim they own the debt forwarded by the XXXX apartment homes. 
I never received the bill, they forwarded the balance due to the collection agency directlly without giving me the opportunity to pay it. Furthermore the collection agency refuses to send me a DEBT Validation per FDCPA, XXXX the collector claimed she dose not have to send XXXX to me. 

Can you please help me resolve this issue? 

Thank you. 


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

I contacted the bureaus several times to correct this identity theft /IDENTIFY THEFT REPORT ATTACHED Fraud credit accounts XXXX XXXX Dept of education XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Fraud inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Checking or savings account

Chime closed my account in XX/XX/year> for suspicious activity. I've called several times and spoke with three different supervisors to try to get it resolved. I had a balance of approximately {$300.00} and an advance for approximately {$100.00}. I am owed approximately {$200.00} that they have stolen from me. I recently attempted to login to the account and I was able to gain access but my funds were not there. One supervisor said there was a check for {$95.00} sent, the other two supervisor said there was nothing they could do due to the nature of the account closing and I can verify everything in my account.
Product: Mortgage

Specialized loan servicing is currently holding {$34000.00} in escrow when my annual combined tax and insurance are {$16000.00}. I have been attempting to get a review and a refund for months. The automated phone system is circular -- it just starts you back at the beginning every time it says its connecting you to the escrow department. And the people who answer the online message submissions outright refuse to help. Even worse, the system does not allow you to respond to their responses ... you have to start all over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXXBalance : {$1900.00} XXXX XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXXBalance : {$3500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXBalance : {$1400.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$750.00}
Product: Mortgage

In XXXX, XXXX, I applied for a modification with CitiMortgage, my loan company for over 20 years. We fell behind on the payments because my husband lost his job in XXXX, XXXX due to illness and my XXXX went on hold because I had a XXXX in XXXX XXXX. After sending in multiple Profit & Loss statements, bank statements and letters of explanation over the past 9 months, CitiMortgage denied me for all of their modification programs on XXXX XXXX, XXXX. We are now XXXX payments in arrears and the repayment plan CitiMortgage offered us is double what the mortgage payment was. Me and my husband are XXXX and XXXX years old. We have lived here since XXXX. My XXXX is slowly rebuilding, but my husband is still not well. I do n't understand why it took so long to deny us this modification. We do not want to lose our home, but I do not see a way for us to catch up on these missed payments. Is there a way for you to help us? We need a lot of help right now. I have copies of information sent to CitiMortgage that they requested for the modification. We sent everything in by email and I sent everything they asked for. I do not know how to forward these emails to this page as an attachment, but there are several emails requesting duplicate information that was sent in previously. I can fax or mail in the copies I have. Please help me find a resolution to this matter as soon as possible. Thank you.