23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is a dispute with USAA Federal Savings Bank regarding the preparation of our Closing Disclosure with recent communication from them I spoke recently to XXXX XXXX, lender at the bank on XX/XX/XXXX. Per my conversation with him, he agreed with me there was a mistake because NO Prepaids were collected upfront on this NEW loan ( reference Section F of attached closing disclosure document ) He also stated he did not know where the money in XXXX XXXX wentXXXX consulted his manager, XXXX XXXX, and she got on the call and said she would send a written breakdown to explain the handling of the closing disclosure. When I requested XXXX to correct the error, she told me that she can not correct it since the loan had been sold to XXXX XXXX. XXXX said she would call me back the next day but no return call. Instead on Friday XX/XX/XXXX XXXX, from USAA XXXX called ( refused to give me her last name ) and I expressed my concerns to her and she said she would talk to me again that afternoon. XXXX will not return my multiple calls when I've tried to call her back XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX acquired the loan and since No Prepaids were collected upfront in Section F ( NOT SECTION G as USAA Bank has erroneously entered these for the OLD loan ) ) XXXX XXXX passed on a shortage of {$3800.00} to us to be paid over a 12 month period. 
( see letter dated XX/XX/XXXX from XXXX XXXX. 
XXXX from USAA sends an email to me on XX/XX/XXXX after admitting there was a mistake on their side the day before. On XX/XX/XXXX, I responded to her email that she previously said there was a mistake but she can not correct it since the loan has been sold to XXXX XXXX. We want the {$3800.00} shortage refunded to us since they made this mistake. 
Keep in mind, the above is unrelated to the fact that we increased our home owner 's insurance in XXXX of XXXX, 4 months After when this loan closed with USAA. 
attached are phone numbers for all of the player names mentioned above. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX 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. 

Account name : 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: 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 rights to privacy and confidentiality under XXXX XXXX XXXX. 


Account XXXX : Chapter XXXX XXXX XXXX XXXXXXXX : XXXX has violated my rights. Or list of inquiries XXXX XXXX XXXX section XXXX XXXX XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX  XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX XXXX XXXX  ) ( XXXX ) 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 want to know why thee is no help for people who have a fha mortage assitant program for people who behind with mortage payments who was behing with payments because they lost there income for 9 months because of pandemic but they have arental assisant program in sc for renters but none for people with mortages who facing the end of moritorim end of XXXX to keep there house out of forclosure give them a light line of people who had there house for 15 yrs or more facing this dilemma wrote XXXX XXXX no anwer in 2 months from white house on helping
Product: Debt collection

On XX/XX/XXXXmy insurance - XXXX XXXX XXXX - paid XXXX XXXX XXXX {$100.00} for services.
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On XX/XX/XXXX, XXXX XXXX XXXX XXXX  sent to XXXX a collection item of {$100.00} On XX/XX/XXXX, my XXXX FICA score had dropped 60 points because of this collection item.
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I received no notification from the Debt Collector or XXXX XXXX that they were trying to collect this item from me.
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Nor did XXXX inform me they were posting this item and the serious effect it would have on my FICO score After a series of phone calls, XXXX XXXX confirmed the item was paid and provided the check number.
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From this same series of phone calls, the principals involved agreed it was a XXXX-up that should not have normally happened.
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I never received an explanation or an apology from any of the four participants in this XXXX-up .XXXX XXXX  XXXX -- original provider of services XXXX -- the billing contractor for XXXX XXXX XXXX XXXX XXXX XXXX -- a debt collection outfit XXXX -- Credit Bureau ... .other credit that may be involved
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a bankruptcy on my credit report and they are have put in the data furnisher as being the U.SXXXX Bankruptcy Court of Illinois, which is false. I have attached a letter from the UNITED STATES BANKRUPTCY COURT NORTHERN DISTRICT OF ILLINOIS verifying and stating that the U.S. Bankruptcy Court do not furnish information over to the credit reporting agencies or any credit monitoring services, nor do they verify or validate any information concerning bankruptcies. Equifax is falsely stating this information on my credit file and has yet to remove this information from my credit reports.
Product: Student loan

Supporting documents for open case XXXX The US Dept of Education has stated that they notified servicers immediately of payment issues and place them into administrative forbearance to remedy the errors and months will be credited toward payment counts needed for loan forgiveness ( ie- PSLF ) I have asked for my loans to be taken out of forbearance multiple times, along with a new request yesterday to move my forbearance from Exceptional Discretionary Forbearance to Administrative Forbearance.

Exceptional Discretionary Forbearance is related to Borrowers Defense. I have Borrowers Defense and PSLF simultaneously for loan forgiveness. My borrower 's defense application is on a 3-year review period whereas my PSLF has 13 months remaining for forgiveness. Exceptional Discretionary Forbearance months do NOT count towards PSLF. It is not my fault that Mohela is behind on applications and payment reviews, and I am losing precious time towards paying off my loans via PSLF. 
I want to either be taken out of forbearance completely with the right monthly payment amount of XXXX as approved by FSA OR be placed into ADMINISTRATIVE FORBEARANCE so that the months they spend resolving their issues will count towards my PSLF
Product: Credit reporting or other personal consumer reports

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

UNAUTHORIZED INQUIRY : XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XX/XX/XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On XXXX the XXXX someone withdrew all funds from this card. I filed a dispute and reissued the funds 15 days later because they issued a card to another address and it wasnt the address that Social Security had on file. On XX/XX/2019 they then issued another card to another person not on the account. I called the company to cancel the card and they told me that it was nothing that they could do but keep reissuing the card and that these people that are fraudulently using this card could continue to call and issue more cards. They are refusing to add alerts to accounts for fraudulent activity. Unfortunately because Social Security has issued benefits for XXXX, I am not able to change banks for my sons account. This bank has no security measure put in place to stop fraudulent activity on XXXX adults funds being placed in there accounts through there card services. It makes me wonder how many XXXX adults are being frauded through this government given program for funds and are not getting their monthly money because they dont know what to do. Also, management was very rude with me when I asked who Investigated them on fraudulent activity with the bank and card services that maybe they should reconsider activity of how a person could order cards for Social Security benefits.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on the account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year>. I am now requesting that you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand this payment be updated to PAANL ( PAID AS AGREED NEVER LATE ), also please update payment history to ok. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX : {$19000.00}
Product: Debt collection

the debt collector called my fellow employees at my workplace and shared personal information about me.they told other other employees about a {$12000.00} debt that was supposedly owed from 2001.they were harassing me as well after i told them to stop calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX I am writing to dispute the following information that XXXX XXXX XXXX XXXX supplied to Experian, XXXX and XXXX This item XXXX XXXX XXXX XXXX is inaccurate because I never requested to open a credit card with them nor ever had their credit card. I am requesting that XXXX XXXX XXXX XXXX have the item removed. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Purchased appliances a t HH Gregg Store i n  XXXX , Fl. on  XXXX / XXXX /  XXXX   in amount of {$4300.00}. Purchased additional appliances on  XXXX / XXXX /  XXXX   in amount of {$1300.00}. On  XXXX / XXXX /  XXXX   went to store to schedule delivery date. Sign at store said store closing. Asked to have order cancelled and told by employee  XXXX   XXXX  that store could only give credit of {$2800.00} credit  as HH Gregg fili ng bankruptcy. Cancelled order for several appliances in amount of {$2300.00}.  XXXX  indicated remaining appliances would be delivered. After several promised deliveries were cancelled by  HH Gregg my  wife received a phone call  from HH Gregg saying  appliances would never delivered. Purchases were all made on HH Gregg/Synchrony bank credit card. Name on credit card was  XXXX   XXXX   XXXX , Account #  XXXX   XXXX   XXXX   XXXX . I have written Synchrony Bank on  XXXX  via  XXXX  certified mail and have receipt of delivery dated  XXXX / XXXX /  XXXX   by Synchrony bank. To date I have not heard from Synchrony bank regarding these disputed transactions as required per their instructions.Please call me to discuss.  XXXX   XXXX   XXXX   XXXX . Thank you,
Product: Debt collection

Within the past few days, my sister in law has been contacted repeatedly by Commenity Bank trying to get in touch with me. I do not want them calling anyone about my personal matters besides me. 

The dates she was called are as follows : XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is the problem. I am a victim of identity theft. I submitted to them a police report and an FTC Identity Theft Report detailing the fraudulent accounts. 

XXXX  is refusing to remove a fraud account from Discover credit card. 

XXXX is the account number in XXXX and it shows {$4500.00} Both XXXX   and XXXX have followed the law and removed this item after I submitted a police report about identity theft as they should. 

XXXX  will not follow the FCRA and remove and block the item with a police report. 

I then did a credit freeze on my XXXX account. XXXX  responded by notifying me via email that they were raising the price of my account. I believe they are retaliating for me freezing my profile to punish me. I was upset and decided to cancel my account. 

I proceeded to try to cancel my XXXX  account, and ran into more fraudulent activity from them. While my profile online clearly states my membership status, fee and billing date, they do not allow you to cancel online in a convenient way. Their automated phone system would declare that I had no membership and would hang up without letting me cancel. I called several numbers listed on their website and always was directed into a dead end automated system with no human available as an option. They do this to prevent you from being able to cancel and keep billing you. I finally had to choose an option about a child and identity theft in order to get to a person, and it was a person in an office in XXXX XXXX named XXXX who finally was able to cancel the membership for me.
Product: Credit card or prepaid card

Good day : I closed my XXXX XXXX card ending in XXXX, provided by Synchrony Bank, on XX/XX/XXXX. After closing the account, they promised to waive the {$95.00} annual fee within 1-2 billing cycles. 

It is now XX/XX/XXXX, and the account is now considered delinquent with various late charges and interest charges. I have called on four separate, recorded phone calls asking them to honor the fee waiver like they promised. Each time they agreed with my situation and promised to take care of the annual fee and any associated fees. Still no action is taken despite repeated promises and written notices on my account stating the fees would be waived. 

Synchrony Bank has shown a high level of incompetence in handling my case. The balance has now shown up on my XXXX and XXXX  credit reports. Please help me before it's shown as a delinquency and harms my credit score. 

Thank you for your time. Have a nice weekend. 

XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Many years ago I opened an account with my mom and the signers of the account were set up as herself, myself, sister, brother, and my uncle, her brother, at PNC bank. This account, with these signatures, was in effect for about XXXX years. Over a year ago my mother was setting her affairs in order because she was declining in health and she was not able to go into the bank. She and her lawyer entrusted me to take everyone else off of the signature card ( my uncle was already deceased ) except myself who was named trustee. This was to ensure all money in her account would be used for expenses and the trust, and there would be no question about who had access to it after her death. 

To achieve this, I went into PNC to let them know that I was the Power of Attorney ( I submitted this paperwork to the bank ) and I wanted to take everyone off of the account except myself who would be made trustee of the estate after her death. I waited over two weeks to get the OK to come in and sign a new card. I signed this card... thinking that they were making me the sole signer of the account. The day my mother passed, XX/XX/2023, I went into the bank to withdraw money from the account to pay for her funeral, and they said that I did not have access to her account when she died because I had signed as a POA. I asked to see the card that I signed and it DID NOT say POA, it had 3 initials next to it that I had no idea what they meant. The bank representative said that meant that I was her POA and at that time they froze her account. I had my lawyer contact the bank and, the corporate office contacted me several times, and after someone at the corporate office admitted they didn't even know what those 3 letters meant, and that I was unaware that I card I was signing was to only be her POA not to be a signer of the card. I am sure this call was recorded when he admitted it. Even with that being said, he informed me that her trust nor myself could not access the account. ( I was the one who opened the account with her, I was the one who was on it for 20 years AND I was the one who went in to change the card to be the only signer. 
MONTHS went by and PNC said we would have to go to probate. 

I and the trust 's lawyer went to court XX/XX/XXXX and the judge ordered the money to be put in my mother 's trust. I brought the papers over to the bank the same day and they said it would be XXXX days. It has now been a month and the bank still hasn't turned over the money to her estate, even though the court ordered this. In addition to this they will not give a phone number or person to contact even after repeated emails.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. This is my only address. 
My only name is XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/year> I do not wish to have my employer on my report I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX
Product: Checking or savings account

My checking account was charge {$400.00} for an alleged tax service regarding a business I have, I never authorized them to charge my account for this service. There has been issues with this registered agent service in the past not refunding my money, KeyBank has been absolutely worthless when it comes to protecting money that is deposited into their institution 's accounts. I had to pursue this merchant on my own before for {$280.00}, of which KeyBank failed to return to me those funds or help me- but then drafted a notice as if they had got the funds returned. The gall of some people! This newest {$400.00} withdrawal wasn't authorized, yet KeyBank is yet again pulling the same scheme. I have submitted proof that the transaction wasn't authorized, and KeyBank has yet to refund me or even respond. It is my belief that KeyBank needs to be investigated, because not only have they refused to dispute legitimate claims for me- but the math on their online banking appears to be indicative of them stealing large amounts of money from my account ( over {$500.00} ). The numbers don't add up.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX  and XXXX  have the same accounts. Why is XXXX  credit reporting different point than XXXX. It is not accurate. XXXX  should be accurate with XXXX. It's the same accounts. Theses disparities must stop. I attempting to remedy this error by filing a complaint. Hopefully XXXX  and XXXX  will be on the same page.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes in the past to have account ( s ) reported under XXXX XXXX XXXX removed from my credit reports due to being inaccurate. I contacted XXXX XXXX XXXX to dispute the information as well and have yet to receive a response. XXXX removed the inaccurate information reported by XXXX XXXX XXXX but TransUnion and XXXX have not. The latest letter I sent to TransUnion and XXXX to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither TransUnion nor XXXX, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information from my credit report.
Product: Checking or savings account

On XXXX, XXXX XXXX I went to the PNC branch in XXXX , NC , to close 2 minors ' savings accounts in my children 's names. I wish to move my businesses to another bank that still uses tellers instead of a machine, and also the account has a horrible interest rate of just XXXX percent, and I can get much better rates elsewhere. A relative opened the accounts for my children and put my husband 's name on it as the adult. But since then, my husband has died. I have letters of administration in my name for the estate, and we were not divorced, nor in any way involved with any sort of custodial disputes ( as we were married and living in our house like normal people, etc., at the time of his death ) and I can provide the children 's birth certificates. The bank refuses to let me move the accounts without a court order showing I have guardianship ( of my own children, who have always lived in our house and have never been involved in any sort of custody dispute ). The court and attorney fees involved to get this unnecessary paperwork would almost be worth more than the value in the accounts. The folks I've spoken with at the courthouse do not understand why this is required. If this is a bank policy, it is poorly planned. I would like them to release the accounts without having to spend hundreds of dollars in court and lawyer fees, not to mention the time to show up for hearings. I have also filed a complaint with their corporate customer service line.