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

On behalf of being a very active account holder for over 10 years I would like to file a complaint against NavyFederal Credit Union regarding multiple overdraft fees that Ive accrued. Despite having sufficient funds when transactions were authorized, I remember on numerous still being charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account.
Product: Mortgage

I purchased a condo on XX/XX/XXXX in XXXX XXXX NY with my late husband. the mortgage for {$120000.00} was done through XXXX XXXX XXXX XXXX for {$690.00} monthly. 
I have continued to pay this directly from my XXXX account monthly. 

I currently live in XXXX and received a letter dated XX/XX/XXXX ( received XX/XX/XXXX ) from M & T Bank that my mortgage was 50 days late and I owed over {$5100.00} ( this does not compute with my monthly payments of {$690.00} ) and I was risk of foreclosure. 

I called at XXXX XXXX EST on XX/XX/XXXX to discuss this issue and was told I WAS NOT AUTHORIZED ON THE ACCOUNT. the letter was addressed only to me not my late husband and the mortgage was in both name but i was repeatedly told I was not authorized. During all 3 conversations I had with M & T they stated that inorder for me to be authorized to be on my own mortgage I was required to fax my late husbands death certificate and probate documents wait 5 business days and then call back in to find out if they would then speak to me. that they would not contact me at any time to tell me they did or did not have all the information required. 
When trying to contact XXXX XXXX XXXX XXXX I found out M & T has taken over all of XXXX XXXX XXXX. my mortgage payments have been accepted each month to my XXXX XXXX account. 
I spoke to M & T 3x with the last call taking place at XXXX XXXX est ( XXXX XXXX AEST ) requesting that the supervisor XXXX XXXX to look on the XXXX County Clerk website to show that I was on the mortgage. He refused and stated even if he was to see that he was would still not be authorized to speak to me because I was not on the mortgage. At that point I stated I would be reporting M & T actions to the NYS Attorney General office referred me to the CFPB do to the level of this issue.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding the Re-insertion of Previously Removed Fraudulent Credit Inquiries by Transunion To whom it may concern, I am writing to file a formal complaint against the credit reporting agency Transunion due to the unauthorized re-insertion of fraudulent credit inquiries into my credit report, which had been previously removed following an investigation conducted in accordance with the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I filed a dispute with Transunion concerning fraudulent inquiries that appeared on my credit report. After conducting their investigation, Transunion properly removed the inquiries in question. I received written notification fromTransunion confirming the removal of these items from my report. A copy of that letter is attached for your reference. 
Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX However, upon reviewing my recent credit report, I have noticed that these fraudulent inquiries have been reinserted without any valid justification. This constitutes a violation of the FCRA, specifically with regard to the re-insertion of inaccurate information without providing the proper notifications required by law. 

I respectfully request the CFPBs intervention to ensure that Transunion rectifies this issue immediately by permanently removing the fraudulent inquiries from my credit report and ensuring that such errors do not occur again in the future.
Product: Checking or savings account

My Chase bank account was closed without any reason given. The bank representatives told me that the balance would be returned to me via check within 10 business days after the account closure. However, it has been over a month now, and I haven't received the check. The bank keeps telling me it's still under review but refuses to give me a definite timeframe. This money is crucial for me, and I'm unable to carry on with my normal life.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXXXXXX XXXX an erroneous collection appeared on my Equifax credit report. After an investigation, this account was deleted. It was written that this account be deleted permanently. XXXX of XXXX, I was mailed a letter from Equifax stating that the account has been deleted. On or about XXXX of XXXX, I received notification from my credit monitoring service that This collection account, XXXX XXXX, was added to my Equifax report again. FCRA 611 ( a ) ( 5 ) ( b ) states only after the initial investigation, on the 31st day can a debt be reinserted to a credit file. Even in these cases, the Reporting agency ; in this case Equifax, must notify the consumer in writing at the minimum five days prior to the reinsertion. This did NOT happen. Equifax continues to violate FCRA laws, as if they aren't governed by these laws. Equifax, also placed a fraud alert on my account without my request, as a response to my inquiry on why they have violated the fair credit reporting act, and allowed this debt to be re-aged and reinserted.ILLEGALLY. According to FCRA section 609 ( a ) ( 1 ) Please  provide my entire consumer history on this account, as I prepare to file a suit, as you are in direct violation, and it is proven. In the interim, please RE-delete this collection, XXXX XXXX, as you have not done your due diligence, to ensure that I am properly protected under the FCRA, and to the standards that are in place for your agency as one of the major reporting bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed my identity to be stolen. They give me free fraud ins. for a yr. That yr. passed did not have any problems. Then they handed over my information to XXXX. a subsidiary of XXXX. Well in XX/XX/XXXXof this yr. I sold my condo and moved. To XXXX TN. Some one had turn in wrong address to XX/XX/XXXX. They also had wrong ph. no. that did not belong to me or my wife. When I went to get my Power turned on with XXXX XXXX XXXX. They said I did not exist. No one explained to me that XX/XX/XXXXhad locked my credit, and froze it. I did not know what was going on. So I checked online and ask for my credit score and report. When I got my sc ore it XXXX.After much time consuming research I found the errors on my credit reports. I had to request wrong addresses be removed by writhing, and wrong ph no. by writing. Then it took 30 days for them to agree I was right. Your folks make the rules. No information should be allowed to be changed on a consumers report with out vetting it by the consumer his self. I creates a weak link .Like if someone had my ssa no. and my personal data, and they do because of Equifax allowing a breach. Well all that person has to do is feed the know it al consumers credit reporting co. enough wrong information. Seeing how it is not vetted with the real person. Your policy 's has created a window for the fraudsters. Any change to my profile should be checked out by contacting the individual. Identifying they have right person, and ask is this correct. I should not have to got thru XXXX and half of Ga to get something removed on my profile I know is not correct. Also I Want Equifax to know the pain and suffering they have put this XXXX yr. old man thru and it will go on till I die. What would you do if you was me. This is no hayride. It a XXXX   nightmare.Thanks youj
Product: Credit reporting or other personal consumer reports

I am asserting my right to dispute and investigate these wrongly reported accounts on my credit file. Under the Fair Credit Reporting Act, I am entitled to {$1000.00} for each inaccurate report on my credit file. I understand that FCRA 605B requires us to report any inaccuracies on a consumer 's report.
Product: Debt collection

Messed up my credit score due to false allegations and no knowledge of account refuse to remove reported this over 6 months ago company harassing me visa email and phone about an account that's not mine. About XXXX in debt wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX charge off in full. XXXX keeps reporting as not paid and the credit agencies are not investigating, please see documents attached. 

XXXX closed one of the disputes in less than 24 hours saying that it was investigated and verified accurate, both companies ( XXXX XXXX XXXX ) blame each other.
Product: Debt collection

I filed for dispute of a collection placed against me from XXXX for XXXX for a debt that was setteled at time of account closure due to damages caused to my home and theft during an alarm install. My thermostat was taken with them when they installed thier system and the drilled holes through my shutters to mount a camera without my authorization. XXXX agreed to cancel my contract as well as close my account with zero balance due to the above situation. The dispute cleared from the previous debt collection agency and was taken off my report. Now a few months later a new company called stellar recovery inc . It is to my understanding that once removed a new company can not refile and place back on your credit report. I have now redisputed as it caused my credit score to drop almost XXXX points. XXXX has already deleted XXXX is pending and has not shown back up on XXXX. I am seeking help to stop this from reoccuring as it has damaged my credit severely and as I have read an illegal act on stellar recoverys part to reissue to creditors as negative information on my report
Product: Checking or savings account

I opened an account with XXXX on XX/XX/22 and enrolled in a welcome offer of {$250.00} by making XXXX direct deposit of {$1000.00} within 90 days and maintaining $ XXXX balance for XXXX ( XXXX ) calendar days following the second eligible direct deposit, offer details is attached. I have met the requirements by making XXXX {$1000.00} direct deposit on XX/XX/22, XXXX {$1000.00} direct deposit on XX/XX/22, XXXX {$1000.00} direct deposit on XX/XX/22 and XXXX {$1000.00} direct deposit on XX/XX/22, and kept the balance required. I also received XXXX of the direct deposit confirmation emails sent from XXXX after such direct deposit was made, please see the attached screenshot. However, I have not received the bonus as terms stated. XXXX is a division of MidFirst Bank ( stated at the bottom in all of their emails ), so I am looking for CFPB 's help to look into this fraud and have Monifi / MidFirst Bank credit me the {$250.00} per the offer terms. Looking forward to hear back from you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX in XXXX 0f 2017 on accounts that I had no contracts with, The original owners sold the account but I had no contract with the company who put this on my report.I filed with Transunion the same no contracts.The breach with XXXX has not helped with my reports ... when I filed my reports I had a score of XXXX with XXXX working my way up to a over XXXX score and all of a sudden my score has dropped 50 points because XXXX allows these company 's to make a jester to the account? This is totally wrong on both parties
Product: Money transfer, virtual currency, or money service

I set up a crypto account over a year ago. It is/was linked to one of my bank accounts which funded the bitcoin purchases. I needed to withdraw and sell my bitcoin today to find that I no longer have an account linked to send money to, only able to send money to Gemini. No one home to answer the phone, only a chat bot that suggests multiple reasons my account would be locked, none of which are applicable and nothing specific provided. I emailed support and was told that I need a wallet address to withdraw to, and while I can purchase bitcoin via my bank account, they tell me that I can't withdraw back to my bank account, then provide no service to obtain or set up this 'wallet '. Reviewed online of complaints and clearly Gemini has done this to thousands of people who have put out horrible reviews with same issue. I hope you can only compel a resolution. I am also hoping that you can provide me with some direction aside from hiring an attorney to get my money back ( i.e. crypto overview agencies or other resources that may be able to assist? ) Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this credit reporting agency and collection agency numerous times regarding this alleged account. I have asked for a certificate of compliance to the reporting of this alleged account and my request continues to go ignored. The original creditor to this alleged collection account claims they have nothing to do with the said account. Collection agency and credit reporting agency continue to not provide the information I am requesting. This account does not meet the required Metro 2 compliance laws ( Metro 2 Five Points Of Compliance ) -- ->> **1 XXXX is a web-based, Metro 2 compliant, automated system 2 CRAs include XXXX, XXXX, XXXX and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. 3 ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher 4 The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit XXXX If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship.
Product: Mortgage

I can't get the PMI removed. I can't get a straight answer. No will return my call.
Product: Mortgage

In XXXX-XXXX  contractors who represented the Hero and California First programs came knocking at my door to make my house energy efficient and bring my utility bill down. I had just lost my husband to sudden death and yes the house was in need of repair. These contractors totally misrepresented themselves and did not totally explain the truth. 
By XX/XX/XXXX my property tax bill which normally ranged between {$600.00}. to {$700.00}. was now over {$5000.00}. this raised my mortgage payments to over {$2200.00}. I had no equity because before my husband died he refinanced our home to receive the capital he needed to for a business. Just as I was ready to walk away from my home my children told me to apply to Keep Your Home California, Thank God they accepted my application and awarded me {$97000.00} to reduce the principal balance. These funds went to my Mortg. servicer XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, TX XXXX Ln. XXXX When they received the {$97000.00} I requested that they pay off the super leans from the Hero and California First. which was raising my mortg. pmts. They said no they could not. I think they are in default in handling these funds that were granted to me to help me and now that the taxes are over {$8000.00}. my mortg payment is getting harder to pay.
Product: Credit card

Synchrony Bank has crushed my XXXX XXXX several. When my XXXX XXXX increase XXXX points, Synchrony Bank makes a move with XXXX of their credit card to decrease my XXXX XXXX XXXX or more points. And its not because XXXX not paying my bills. 

Most recent was on XXXX XXXX, XX/XX/year>, when I received notifications from the credit bureaus that my XXXX XXXX had been closed by credit grantor. It had a {$5000.00} credit limit, with {$0.00} balance. I used the card but pay off the balance. 

Previous to this occurrence, my XXXX  credit card limit was decreased to {$170.00}. 

Previous to this occurrence, my XXXX credit card credit limit was decreased to $ XXXX It is currently being serviced by another bank who automatically increased the credit limit to the original amount. 

Previous to this occurrence my XXXX XXXX credit card was closed. 

Previous to this occurrence, my XXXX credit limit was decrease from {$2500.00} to {$100.00}. 

To close an account XXXX morning and receive the news from the credit bureaus is cruel. Synchrony punish you and your XXXX XXXX for paying your bills in a timely manner.
Product: Debt collection

I got a letter from Convergent debt collections that I owed XXXX XXXX  {$100.00} for a bill dated XX/XX/XXXX for an apartment I had moved out of in XX/XX/XXXX ( at which I point I began using XXXX XXXX ). Also, I had moved out of TX in XX/XX/XXXX ( nine months BEFORE the bill date ). 
I have been in contact with both organizations and have not received any beneficial communication.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. I've sent an XXXX report and police report. I have not been provided with any proof of an investigation. All the fraudulent accounts on my credit report, reporting a fraudulent address. 
The Credit reporting agencies received a copy of my police and XXXX report about 60 days ago, and no real investigation has been conducted by their end. i clearly reported that the address reporting on my credit report is fraudulent, that was used to get cards under my name without my knowledge. I need your help to make them to serve their purpose.
Product: Vehicle loan or lease

Credit Accepted is still reporting to my credit that Im XXXX days late. The account is actively closed and has been closed since 2018 it's been over 7 years and it's affecting me by getting other loans and making my interest high. I have arranged payment options with credit accepted they refuse to settle with me only for the full amount. I can't afford to pay the full amount. I have had hardship.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of specific credit inquiries on my credit report, which were conducted without my authorization as a result of a recent data breach. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the permanent removal of these unauthorized inquiries to protect my credit profile. 
Unauthorized Inquiries to be Blocked and Deleted : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

XX/XX/2022 I visited the local Wells Fargo branch to do my monthly withdrawal of funds, and deposit it into my Wells Fargo checking account. 

The ATM distributed the funds during the withdrawal, but during the deposit the ATM shut down and kept XXXX $ as well as my Wells Fargo card. 

I immediately contacted Wells Fargo claims and they told me they couldnt allow me access to my funds right away and it would take up to 10 business days. I contacted them several times after and heard the same excuse even though several customer service agents for claims said they could expedite my claim.

I was unable to access money that I immediately needed for two weeks due to this. Wells Fargo repeatedly emails me saying they are investigating my claim, but no customer service would credit my account the funds I deposited that the ATM ate when it shut down.
Product: Mortgage

Like many homeowners I have struggled to pay my mortgage. I have been hanging on for dear life until I finally decided to submit a short sale request to the Wells Fargo Bank. Its been over 3 months since I initiated the short sale and every time we call we speak to someone new who tells us something different. We have spoken to over 15 representatives and to date we cant seem to get an answer about this short sale request. It is hard enough I cant afford to pay my mortgage anymore and to be worrying about foreclosure. I received a letter XX/XX/XXXX saying I would have a decision on XX/XX/XXXX, the day before the pending sale date, neither me or my Realtor has been contacted. I do not want to go into foreclosure ... I would like to discuss a short sale. Because of the run around, representative who don't know whats going on in their own company and the fear of being thrown out of my home I have since filed bankruptcy. I still would like to be considered for a short sale so I can move out of this home with closure and some peace of mind. I have gotten very ill over this situation. XXXX and XXXX have set in. Sometimes I feel like I an about to loose my mind. Today XX/XX/XXXX my Realtor called Wells Fargo and was told that my home is being reconsidered for the short sale and we will have a decision within 24 to 48 hours. I am waiting for 48 hours which will be Friday XX/XX/XXXX and I am hoping I am still here when the decision comes. Too many people are loosing their  homes and the banks are just making homeowners lives more difficult when they give us the run around. Please I need your help.
Product: Debt collection

Land Lord sent out request for my application for rent relief. I did all that was required from my behalf and regardless the property has placed myself as well my family under extreme distress to collect on debt that is to be covered through the program. The land lord has not communicated to me in regards to the acceptance of the program. I have communicated several times with representatives for the program and they assured me all was done and accepted on my end and all that was needed was the Land Lords acceptance. The debt is not mine. Further more there were other safety issues and dangerous occurrences on the property in which I needed to notify the police and the Land Lord did nothing to secure my safety. The Lock on my door was broken and I requested repair and the service man did nothing but laugh at me when his attempt to fix the lock was unsuccessful.
Product: Checking or savings account

Wells Fargo is getting out of control with fees. I have had debits and checks be pending then they post the next day then go back to pending where I then get hit with fees. I had a check for XXXX that I didn't see that night and I got hit with a fee before it posted to my account that afternoon. That happens more often then not. And my banker can't even explain how that happens. I would like my fees back
Product: Vehicle loan or lease

CMM finance denied my request for a week later payment so they enforced a tow truck to repossess my vehicle they even followed me to the store where he hooked my vehicle to his truck with my family in it. He XXXX  me and my family, he was unfair and XXXX. He and XXXX XXXX has put my family and I through horrible conditions and has left us traumatized. He also called the police which was very unnecessary being he was In violation ( XXXX XXXX XXXX ) and Very unprofessional
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX it shows names, addresses, address histories, and XXXX XXXX XXXX. Experian report disputes on incorrect address and reporting security freeze on Experian however new information keeps posting
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus XXXX, experian and XXXX to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature. Please see attachment with the list of companies with fraudulent accounts/inquiries.