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

I am writing to file a complaint against Arvest Bankregarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Arvest bank 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 transactions. 
I want the CFPB to publish this
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Dear sirs, I had a XXXX one and half years ago and could not work my job for over six months. My wife and I have a company at XXXX XXXX that made a great living for us especially with the XXXX who were the most popular buyers until their dollar devalued and visits diminished. Our business is seasonal and when heated summer months arrived we lost income and things started to go downward. I tried the loan modification system with Wells Fargo but they constantly asked for fax duplicates for the loan for a period of over 4 to 5 months but in the end they said I did not meet proper qualifications and did not produce documents requested in a timely manor.
Product: Credit card or prepaid card

I have a credit balance of {$790.00} on my credit/debit card. I called the credit card department 6 times to get this credited back to my checking account. I even went to a branch twice to have this issue resolved all to no avail. I was told it would take 10 business days for this to be resolved and it is way beyond the time period. >This is fraud on behalf of Bank OF America and I will see it through. XXXX : CASE ID- XXXX XXXX XXXX This issue started on XX/XX/2023 and I am still waiting for my refund
Product: Credit reporting or other personal consumer reports

sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$19000.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX  XXXX Balance Owed : {$11000.00} ; XXXX  XXXX Balance Owed : {$1700.00}.
Product: Checking or savings account

On XXXX/24 Capital One refused to transfer my direct deposit to my new bank after closing my accounts. The new Bank XXXX had done all the nessesary attaching to Capital One but they still required me to go to a ATM and withdraw the money XXXX dollars I did but the Debit card would not allow the transition. The funds arrived in the account today XX/XX/scrub>XXXX/24 early morning.
Product: Credit reporting or other personal consumer reports

I filed bankruptcy in XXXX of 2023. I updated the company on this change and adjusted the amount however, when I received my next bill the previous amount on the statement was owed. Ive provided documentation to XXXX 3 times now that shows the amount due was not correct and they refuse to remove it from my account. 

TRANSWORLD SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
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 TransUnion Credit Bureau 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 TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries that currently appear on my credit report. In accordance with Section 1681b ( c ) of the Fair Credit Reporting Act ( FCRA ), I request the immediate removal of these inquiries as they were made without my authorization and constitute a serious violation of my privacy rights. 

The inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize anyone employed by these companies to inquire and view my credit report. Therefore, I am requesting that you validate these inquiries with the companies mentioned above and provide copies of any documentation associated with these inquiries that bears my signature authorizing such actions. 

In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. I expect a response confirming the actions taken and the results of your investigation. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in resolving these issues.
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. 
Account name : XXXX XXXXXXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : 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: Checking or savings account

I had been banking with Chime for about XXXX halve years! I receive my childrens XXXX check threw chime ( XXXX girls ) on or about the XXXX of every month and I also receive my personal XXXX check around the XXXX of every month for myself!! 
I have debilitating/crippling XXXX XXXX. XXXX This situation caused me to get evicted and living in the streets for quite sometime primarily because I had just taken the time to undergo a full XXXX XXXX! 
I started getting notifications to my phone that that I needed to go over my account balance! Some way or another chime took the money and literally said it was not them it was my other bank XXXX XXXX who was alot more courteous in their endeavors! I know that XXXX XXXX Did Not Take The Money because as I was XXXX from the XXXX I called chime and they said they had a hold on my funds due to me having another account! It really should not have concerned them about what was in another account Iam a veteran and thats primarily what XXXX federal is for!! I spoke to several different representatives and sent several letters and emailed proof of transactions! As a company chime threatened me and pretty much warned me that if I continue distributing and or disrespecting their business model they would terminate my services! Needless to say they did! I was able to prove the money XXXX. The account and being there was a XXXX XXXX XXXX  you would have thought they would have done the right thing instead of insulting me my intelligence and everything I stand for! That is easy to prove due to all the XXXX XXXX I purposely left behind because it was almost like an horror dream that continued to repeat! I email them all the info they request then they email me back that my case was closed and theres nothing they could do! However doing my due diligence I bring the situation to XXXX XXXX attention in which they were appalled! They denied any wrong doing and went as far as opening the statements back up to prove to me they do not have an alliance with chime now or never would!! Please help that was an extremely large amount of money for them to take I almost feel like I need a late yet because at the end of the day that was straight up robbery oh and then they closed my accounts!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to seek your assistance in resolving a matter concerning inaccurate information on my credit report, which has not been appropriately addressed by Experian. On XX/XX/XXXX, I contacted Experian to report the following erroneous entries on my credit report. However, I have not received any response or resolution to date. 
Account 1 : Creditor : XXXX XXXX Date Opened : XXXX XXXX, XXXX Credit Limit : {$750.00} Account 2 : Creditor : XXXX XXXX XXXX  Date Opened : XXXX. XXXX, XXXX Balance : {$0.00} Account 3 : Creditor : XXXX XXXX XXXXXXXX Date Opened : XXXX XXXX, XXXX Balance : {$1900.00} Original Creditor : XXXX XXXX XXXX I want to emphasize that none of the above accounts belong to me, and it is imperative that they are removed from my credit report promptly. I have fulfilled my obligations as a responsible consumer by promptly notifying Experian of these discrepancies, but their lack of response is concerning. I believe Experian has an obligation to comply with federal law and investigate the validity of these accounts as per my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are FRAUDULENT items ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) and an UNAUTHORIZED/FRAUDULENT inquiry ( XXXX  XXXX XXXX XX/XX/2023 ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately.
Product: Credit card or prepaid card

Company arbitrarily closed account with no notice given during a transition period to another system. 

All bills were paid on time. 

Synchrony is a scam-bank with high-interest rates.
Product: Mortgage

****NO. 1. SLS continues to receive payments from the City of XXXX EVERY MONTH on behalf of a family member in excess of {$300.00} but IS LYING ABOUT NOT HAVING RECEIVED THESE PAYMENTS AND REFUSING TO APPLY THE PAYMENTS TO MY ACCOUNT. The checks CLEARLY have the account number written on them. These payments have been sent EVERY month since XX/XX/XXXX. I'm in receipt of each and every check no sent. 


****NO. 2. The payments in question are sent each month IN THE SAME ENVELOP as the payment on my behalf of {$600.00} WHICH SLS IS APPLYING TO THE ACCOUNT. 


****NO. 3. By not applying the payments on behalf of the family member SLS is MAKING IT APPEAR as though my mortgage is delinquent.

****NO. 4. Each time I call to and ask why the family member payments are not being applied, I get the same robotic answer from the " customer service '' tellers that they DON'T SEE THEM being applied.

****NO. 5. When calling on XX/XX/XXXX at XXXX ( XXXX  ), I spoke with XXXX ( Teller # XXXX ) who asked about the delinquency of the account and I explained to her SLS was not applying the {$300.00} payments. SHE SAID SHE WOULD MAKE A NOTE ON MY ACCOUNT. 


****NO. 6. My question : HOW CAN SLS APPLY ONE PAYMENT AND REFUSE TO APPLY THE OTHER PAYMENT ENCLOSED IN THE SAME ENVELOP? WHY IF MY ACCOUNT HAS BEEN NOTATED ABOUT THESE PAYMENTS, SLS HAS NOT ADDRESSED THIS ISSUE? 


******PLEASE ANSWER THE PRECEDING QUESTIONS TO RESOLVE THIS ISSUE*******
Product: Credit reporting, credit repair services, or other personal consumer reports

I enrolled in a debt management program to manage my American Express credit card account. American Express agreed to the terms of the program. I make the agreed upon payment of {$650.00} toward the balance each month, but they continue to flag my account monthly as " Account charged off/Never late. {$30000.00} written off '' ; however the debt is being paid, as per the agreement, and therefore does not qualify as a charge off. This consistently negatively affects my credit score and the flagged information is not accurate.
Product: Credit reporting or other personal consumer reports

This was a XXXX  party help to repair my credit I never signed no agreement saying I will be paying this monthly I canceled my subscription with them ans they continue to put this on my score
Product: Debt collection

I received a voicemail from a man named XXXX stating I had a judgement against me with a law firm called XXXX XXXX XXXX XXXX XXXX. He called from a private number. He stated before he signed off on it that I could call them & get additional info. The phone number he left was XXXX & he stated to reference case # XXXX. I called the number, a woman answered & said, " Corporate Office ''. I gave her the case # & she asked for the last 4 digits of my SSN. I asked if I could give her something else & she immediately went off on a tangent about how the last 4 won't give her the 1st 5 digits & that she was looking at my credit report & had my employer name & drivers license number. I asked her what the drivers license number was & she gave me the correct #. So I gave her the last 4 ( which i'm now wondering if that was a mistake ). She then gave me the 1st 5. She said that I had a credit card with XXXX XXXX XXXX in XX/XX/2009 ( I think, she was talking very fast ) & that I owed {$10000.00}. She said that if I didn't take care of it, it would turn into over $ 12K in debt that I would have to pay. She said that the bank is now owned by Chase bank due to the bailout & that she could help me with a hardship settlement. Well then I asked her to repeat what the bank name was & she immediately said that it didn't matter if I remembered owing it or not, that my state is a creditor state & that if I didn't want to accept the hardship case, they would do what they have to do, even going thru my job if necessary & she hung up on me.
Product: Mortgage

On XX/XX/XXXX, I submitted a formal request to Newrez for the cancellation of PMI on my mortgage loan. As of today, XX/XX/XXXX, I have not received any response, despite the fact that my Loan-to-Value ( LTV ) ratio has fallen below 78 %, making me eligible for PMI cancellation under the terms of the Homeowners Protection Act ( HPA ). 

I attempted to resolve this matter directly by following up with Newrez multiple times, including calls and emails. However, I have received no acknowledgment or resolution of my request. This lack of responsiveness has caused unnecessary frustration and financial burden, as I continue to pay PMI premiums despite meeting the eligibility criteria for its removal. 

I am requesting the CFPB 's assistance to ensure Newrez promptly addresses this issue, reviews my PMI cancellation request, and provides a clear explanation for the delay in compliance with the Homeowners Protection Act. 

Thank you for your attention to this matter. I appreciate your support in holding Newrez accountable and ensuring they fulfill their obligations. 

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

I have a credit card from XXXX account # XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late twice. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX XXXX and XXXX  with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XXXX of 2020. There was an error on their part. I was never 30 days late.
Product: Mortgage

IN 2019 I had problems with making payments in that I was making payments but due to a financial change I had to split my payments into 2 payments ( Total mortgage {$2900.00} split to two payments of {$1400.00} ). XXXX would return the payments. They have refused to accept partial payments like a normal mortgage company. This caused payments to be late as I was forced to wait on the returned check. Now mind you I would pay them electronically but the returned funds would be sent by physical check. As you can guess this caused payments to get missed or late when in fact they really were not late but I had to wait for returned funds. When I started noticing the issue I contact them and they told me that they do not accept split payments at ALL. I noted that other mortgage companies do and even provided examples. This went around and around. I then completed the loan modification payment in hopes that they would work with me to resolve the issue. AS of today they have been less then helpful and have now lost 3 months of payments. I have the check information but it they have not be applied to my account nor have they been returned. I get no details on where those payments went or anything.
Product: Mortgage

I was shocked when I reviewed my credit report and found late payment on several dates. 
XX/XX/XXXX 30 days late, XX/XX/XXXX 60 days late, NXX/XX/XXXX 90 days late, on XX/XX/XXXX 120 days late XX/XX/XXXX 120 days late. This is alarming and I am not sure how this happened, I went to a period where I had to refinance but I believe that all payments were made on a timely matter when I received my statements each month. This is not accurate and would request a full investigation to verify the information and refund on all late fees assessed on my account. I have contacted US Bank in writing twice already but have not gotten any response regarding this. I know my rights and according to the FDCPA laws that is more than the allowed time period needed to resolve my issue. Please help
Product: Consumer Loan

On XXXX/XXXX/15 money was taking out automatically from my bank and on XXXX/XXXX/15 the company took additional money out of my account without permission XXXX. When I contacted the company and spoke to management they said they can not credit the additional un-authorized money back to my account.
Product: Credit reporting

Experian is refusing to delete an account that is older than seven years, and that is reporting inaccurate information, I was never late in XXXX of 2016. I consolidated my Department of Education loans with XXXX Loans.
Product: Mortgage

I have a mortgage account with US Bank with an attached escrow for property tax and insurance. 

I have fully paid the property tax for 2022 which means there is no liability for tax this year. Despite that US Bank is continuing to collect money in the garb of property tax and refuses to refund the excess escrow. 

I have talked to multiple US Bank agents, their escrow department and their tax department. All of them promise resolution but the level of incompetence in the escrow department is so high that they believe they can continue to collect money form me knowing there is no escrow payment due this year.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I sent a complain today to request that the account XXXX XXXX {$0.00} which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. This account was paid as agreed and past due is XXXX but still reporting 30 days late.

The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ).
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX  XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with Transunion, XXXX, and XXXX  about the negative accounts on my report for over six months now. Some accounts are not mine, some are reporting wrong, and some are refreshing to try to stay on my report. I mailed out letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX disputing the incorrect items and letting the bureaus know that I have done my research and that I know the law. Even with Covid-19 the bureaus still have 30 days to respond to my disputes. I know there might be a delay and I even tried to give them the benefit of the doubt for that. There are multiple accounts that are still reporting incorrectly on my report. I sent the first letters via certified mail so I knew when they received them. These are the tracking numbers from those letters sent on XX/XX/XXXX ( XXXX  XXXX XXXX XXXX XXXX XXXX / XXXX  XXXX XXXX XXXX XXXX XXXX / TransUnion XXXX XXXX XXXX XXXX XXXX ) It has been months without receiving a response or having any of the incorrect items removed from my reports. This is impacting my life, my job and my future, which XXXX, XXXX, and Transunion have no regard for.