23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against U.S. Bank regarding a recurring issue with payment reversals on my business account and the bank 's refusal to reimburse associated fees. 

In XX/XX/XXXX, I attempted to make a payment from my U.S. Bank business account. The payment was reversed, and I immediately contacted U.S. Bank. With the assistance of my financial advisor, XXXX XXXX from XXXX XXXX, we conducted a three-way call with U.S. Bank XXXX We were informed that the reversal was due to an error in the submission of the account information. During that call, U.S. Bank assured us that the correct account details had been updated to avoid further issues. The fee related to that reversal was refunded to me at that time. 

In XX/XX/XXXX, I attempted to make another payment ( approximately {$840.00} ) and again experienced a payment reversal. Upon contacting U.S. Bank, I was told the reversal was due to an account entry error. I explainedagain with my financial advisor presentthat we were assured this was corrected in XXXXXXXX XXXX XXXX representatives now claim that I personally re-entered the account information incorrectly after the XXXX correction, which is false. I used the saved information in my dashboard, which had been updated by U.S. Bank, and made no changes. 

Despite this, U.S. Bank has refused to reimburse the fee related to the most recent reversal. I also requested the names of the representatives who assisted me during the XXXX correction for reference and accountability, but U.S. Bank declined to provide that information. Most recently, I spoke to a supervisor named XXXX from XXXX XXXX. 

My financial advisor has also confirmed with them that I did not manually re-enter the information after the XXXX call and used only the saved account details from my dashboard. 

I believe XXXXXXXX XXXX handling of this issue is unacceptable and has resulted in unnecessary financial loss and inconvenience. I am requesting that the Consumer Financial Protection Bureau review this matter and assist in obtaining reimbursement for the most recent payment reversal fee and ensure U.S. Bank takes accountability for the mishandling of my account information. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the information reported on my credit report regarding the account listed below, which I believe is inaccurate and does not comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Account Information : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Nature of Dispute : Charge-Off According to the FCRA, you are required to ensure the accuracy and completeness of the information provided on credit reports. Specifically, Section 611 ( a ) ( 1 ) of the FCRA mandates that when a consumer disputes information on their credit report, the credit reporting agency must investigate the disputed information.

I am requesting that you conduct a thorough investigation of this charge-off account to verify its accuracy. I believe that the information reported may be incorrect due to fraud and this account is not mine and need to be removed from my credit report In accordance with Section 611 ( a ) ( 1 ) ( A ) of the FCRA, I request that you : Investigate the disputed charge-off account with XXXX XXXX XXXX XXXX XXXX 
Verify the accuracy of the reported information. 
Correct or remove any inaccuracies found during your investigation. 
Provide me with written confirmation of the results of your investigation. 
Please complete this investigation within the 30-day period stipulated by the FCRA. If you determine that the information is inaccurate, I request that you promptly update my credit report to reflect the accurate information and send me a revised copy of my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Experian and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, Experian and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, ExperianXXXX XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Experian and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$280000.00} XXXX XXXX Balance : {$640.00} XXXX XXXX XXXXXXXX Balance : {$3800.00}
Product: Mortgage

I have never had an escrow account with Newrez. I paid my property tax for XXXX and later discovered that Newrez also paid my property tax even though I do not have an escrow account. I have sent their tax department a copy of my payment and the receipt from XXXX county.I have spoken to several senior account managers with Newrez since XX/XX/XXXX and to date no one has corrected the issue. I have spent over 20 hours on the phone with countless Newrez employees trying to rectify their error. They have admitted that I never set up an escrow account. And have stated that it was their error and they are trying to rectify the situation with XXXX County. In the meantime, they are assessing late fees and adversely affecting my credit score by not solving this issue. Every time I deal with a senior account representative they never return my calls or acknowledge my countless emails. I do, however, receive phone calls several times a week stating that my payment is late. I have never missed a payment. Their philosophy seems to be to ignore the consumer and hope the problem solves itself. 

Thank you, XXXX XXXX
Product: Consumer Loan

Kaye Jewelers put o my credit report on XXXX that I was late with the payment and I was not. I 've actually paid above and beyond my payments. I 've asked them to remove it from my credit report and they refuse.
Product: Debt collection

Unauthorized inquiries. Ive recently checked my credit report and notice some inaccurate accounts reporting. An amount of {$2700.00} from XX/XX/year>. I have tried disputing this several times.
Product: Mortgage

In XX/XX/XXXX I applied for a loan with BancFirst at the recommendation of a local Realtor. The money was to be used for business expenses. Two weeks into the loan process, the referring realtor contacted me and asked me to instead loan her and her son the money. She said that she would co-sign on the BancFirst loan/mortgage and put her own home up as collateral, as I was being required to do by BancFirst. I had almost no contact at all with the BancFirst lender. The Realtor and XXXX XXXX shared over 60 text messages and communicated by email over the BancFirst server, making decisions on the loan. The loan paperwork that was filed, was not what I was led to believe that I was signing. There was no co-signer and no additional collateral. I have contacted BancFirst and they have stated that their loan officer and the realtor had no contact whatsoever, which is a complete and total lie. I have a stack of text messages and emails to prove it. I have been left with an additional mortgage. The bank is violating my rights. This has been going on for almost XXXX years.
Product: Vehicle loan or lease

I paid my loan payments early for my XXXX payment. Instead of applying it to XXXX they applied it to XXXX. Now they are telling me Im Late for XXXX and wont fix the problem. I Ive spoken with four different people and they have not updated my account but are charging me late fees
Product: Debt collection

I joined XXXX XXXX a while ago to monitor my credit as it was free to join. I was an XXXX XXXX XXXX for over three decades and I got a credit card in XXXX of XXXX. It's the only credit card I have. Because I have paid cash and own my property out right, I haven't needed any credit and just hit an Excellent rating a few weeks ago. 
On XX/XX/XXXX, I received a notice from XXXX XXXX that I had something in collections. I checked and it was a bill for {$350.00} and I knew nothing about it. Nothing was specified except a tree service. I have never ordered a tree service, never have received any written notice, and because of so many scams, I don't answer my phone unless I know the caller or viable message is left. Friends told me it was a scam, so I ignored it. Then today, XX/XX/XXXX, I got more credit card offers from XXXX XXXX, and saw that I didn't have an Excellent rating anymore, but a good rating, and that the collection notice now said I owed {$380.00}. 
A couple years ago, I went away for XXXX, and when I got back, someone had encroached on my property and cut down timber and ruined a thirty year project I had going. I got my lawyer, and settled out of court. Though what I got will not replace the tree 's or the damage. That's all I know about any work being done on my property. And it was settled. 
I have not given any permissions to cut tree 's or do work on my property. I have been home because of Covid-19. If any work has been done on my property, I was never notified and also have not received any bills. 
Before I pay {$300.00} an hour to a lawyer over something I know nothing about, I want to find out my options and I am checking to see if this is a scam and how to handle it. 
Like I said, I don't know who submitted the debt collection against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to the companies and the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means they have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE BUREAUS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL 3 " CRA '' REPORTING OUTDATED ACCOUNTS NOT MINES AND NEVER DONE BUSINESS WITH COMPANIES : " XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  ''
Product: Debt collection

This XXXX  XXXX card was opened in the year of XXXX  amount of {$460.00} of a dollar transactions made with this card involved fries XXXX XXXX XXXX XXXX XXXX Etc these were not transactions made by me and or I do not have this card this car was wrongfully filed under my name I do not have a XXXX  XXXX card I have been a victim of identity theft and or fraud before
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I contact Experian to dispute my incorrect my last name XXXX XXXX that was on my credit file. I was told I could not remove the my previous last name because it has to keep the history. I had contacted XXXX the same day and they removed my previous last name with no problem. 

Theyre keeping the last name because its attached to XXXX XXXX XXXX XXXX account that I have no idea who it is it or the creditor XXXX of the collection not on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 please be sure to enter dates that all letters were sent. 

I sent disputes to XXXX, XXXX, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over XXXX  days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting or other personal consumer reports

I am writing to you today to once again dispute some accounts that appear on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent accounts were opened in my name without my knowledge. I already forwarded the required FTC report to the companies and they have acknowledged that these accounts were fraudulent and have removed them. However, I have noticed that your bureau has continued to report these accounts, even though the other credit bureaus have already removed them. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove these fraudulent accounts, you are not complying with the law and are putting me at risk of further harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

MY SERVICER, DITECH, FORCED PLACED INSURANCE 8 MONTHS AGO, AND STILL CONTINUES TO COLLECT THE PREMIUM FOR IT, EVEN AFTER I PROVIDED PROOF OF MY EXISTING POLICY IN XXXX ( WHICH THEY ACKNOWLEDGED RECEIPT OF ) AND THEY HAVE NOT APPLIED A CREDIT. I 'VE CALLED 5 OR 6 TIMES TO GET THIS RESOLVED AND HAVE HAD NO LUCK GETTING THE SITUATION RESOLVED.
Product: Credit card or prepaid card

I have a XXXX XXXX Visa credit card. When I attempted to use it for a purchase on XXXX XXXX 's website, my card was declined ( my account is not past due and there are no issues with my credit limit ). I then logged into my XXXX XXXX   credit card account online. It prompted me to activate a new card. While I have not received a new card in the mail, I thought I needed to input the information of the current card in my possession. I did this, and it said my card was activated. 
However, the card in my possession would still not work for the purchase. I called the XXXX XXXX credit card customer service. They stated that there had been a security breach in XXXX and that I had been sent a new card and the card in my possession had been deactivated. BUT, I did not receive a new card in the mail. 
This is AT LEAST the second time XXXX XXXX  has claimed to have sent me a new card in the mail, but no card was actually received. 
Additionally, while XXXX claims to have deactivated my OLD card due to a breach and sent me a NEW card in XXXX, I was able to make purchases on my OLD card in XXXX. 
The three primary issues now are : ( 1 ) whether my new card was lost in the mail or never sent, the NEW card ( not in my possession ) is now ( according to XXXX  ) activated because I input my OLD card information when prompted by their website to activate a card. It is a security breach for the system to allow me to input my OLD card information to activate my NEW card that was never actually received. Had I not called them, the NEW card I never received could have remained activated for a third party to use ; ( 2 ) if there truly was a security breach in XXXX requiring a new card, why was I still able to use my OLD card through at least the end of XXXX? 
( 3 ) because XXXX deactivated my card without my knowledge and I never received the new card they supposedly sent ( again, this has happened before ), I am unable to use my card for XXXX XXXX promotions and discounts ( the promotions and discounts require the use of a XXXX card ). The whole point of having this card is to get these discounts and promotions. By the time I receive a new card, the promotion will be over and the products could be sold out by the time there is another promotion. Again, this is a repeated issue with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights 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, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( 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: Mortgage

I was ready to payoff my Wells Fargo XXXX on XX/XX/XXXX. I contacted Wells Fargo for a payoff balance and was informed that a payoff statement would be emailed to me. 
When the statement was not received after a few days, I contacted WF again on XXXX and this time the agent informed me that payoff statements must be mailed to the address they had on file. When I didn't receive a statement after 11 days, I called back again on XX/XX/XXXX and was told it could take up to two weeks to arrive. I called back again on XX/XX/XXXX to ask for a verbal payoff amount which wind up being a phone loop from one department to another for over two hours without the desired result. I finally decided to visit a physical local branch where the rep also had a hard time reaching someone to give him the information I was looking for. He finally called me back a couple of hours later with the payoff balance and wiring instructions. I prepared the payoff funds with my bank and immediately wired the quoted payoff using the wiring instructions the rep provided The first payoff wire attempt was made on XX/XX/XXXX for the entire quoted amount. I was informed on XX/XX/XXXX by my bank that the wire was rejected due to the wrong beneficiary account information. I called back Wells Fargo again and asked for the correct wiring information and the wire was finally accepted on XX/XX/XXXX however, my HELOC balance remained unchanged as of XX/XX/XXXX. I then received a call from Wells Fargo on XX/XX/XXXX explaining due to daily intertest accruals and penalty fees the wired amount was no longer enough to cover the payoff and that I'd need an additional $ XXXX to pay off the balance. While speaking with the and referring to my online account, I observed that Wells Fargo had changed my physical home address in New Jersey to an unfamiliar address in North Carolina. This explained why I never received my payoff statement by mail XXXX weeks earlier. I explained the seriousness of security breach to the Wells Fargo agent and asked for the extra unjustified interest and penalties to be postdated and credited to my account. She informed that the issue has been escalated to her manager and that I'll be receiving a call with a resolution by the end of day. 
It is now beyond the end of the day and I'm still stuck in this crazy endless loop of trying to payoff my daily interest accruing HELOC with a bank that has a very fragmented payoff process. Either Wells Fargo is an extremely incompetent bank or they're deliberately making it difficult to payoff loans to keep their daily interest accruals and maximize profits off the backs of the hard working middle class.