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

I have a cash management account with XXXX XXXX. UMB Bank NA administers the account for XXXX. The routing number for the account is that of UMB Bank, but XXXX is the front for the account. XXXX is placing holds on my EFT deposits without providing fund availability notices. Most recently, they placed a 5 business day hold on an {$8000.00} EFT deposited on XX/XX/23. Had I not looked at the account and noticed the hold on XX/XX/23, most likely I would have had as string of payments being returned for insufficient funds. Note that I am a longstanding Fidelity client, and I have had numerous EFT transfers in the past. There is really no business reason for a 5 day business hold to begin with especially for an EFT, but at a minimum either UMB Bank or XXXX needs to disclose the hold. I believe that they are in violation of Federal law for failing to disclose these holds.
Product: Vehicle loan or lease

In accordance with fair credit reporting act XXXX XXXX  XXXX has violated my rights. 

15 usc 1681 section 602 states I have the right to privacy.

15 usc 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Bank account or service

Loan started out as a 30 year property loan but did not have the escrow added to it but we signed the papers anyway and the loan officer stated he would take it back and redo it with the escrow added to it, approximately 1 year later he came back with a business loan with a five year bloom payment and i had to put my home on this loan. after running the business for almost a year and mailing my payment directly to the loan officer there was nothing i could do but sign the loan or lose my business because the money had already been used. In XXXX my accountant found out that i owed more than what my original loan was and called the bank and they gave me credit for interest and late fees of XXXX and XXXX. When the five year bloom was do again they said they would add my line of credit to my loan and we paid our payment. then when this five year bloom payment was due they would not extend my loan due to me not paying on my line of credit. After talking with the bank and making payments on my loan and line of credit since XXXX of XXXX without a loan they still act as if my loan is a secret and have refused to help us. Many time throughout the years just trying to get information about my loan they say they can not talk about it and never call back. In the past two weeks they have sent a appraiser to both my house and business with her stating that she could give a 20 year loan but since then has switched it to she will only give me 3 month or maybe another 5 year bloom with my home on the loan. The original loan Officer has been let go and the bank was bought out by another bank over the last ten years and no one would talk to us so we decided to go to another bank to try to get a loan and with this bank saying i have not made my payments since XXXX my credit score is now bad and will not help me out. So since XXXX me and my Family have been scared we are going to lose my home and business, we have called several times and have asked for meetings with loan officer and the president of the bank but they say they are to busy and are to far away all we want is a fair chance to clear this matter up. We have papers from our accountant that we are making our payments, but no one seems to want to help us small people out.
Product: Debt collection

This is so annoying & frustrating. Ive sent TransUnion multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In TransUnion 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$190.00} ; XXXX XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$22000.00} ; XXXX XXXX XXXX Balance : {$5400.00}.
Product: Mortgage

I am writing to formally submit a complaint regarding NewRez concerning their failure to process the assumption of my mortgage loan and their unauthorized withdrawal of funds from my account. 

Details of the Complaint : Company Name : NewRez Date of Home Sale Closing : XX/XX/year> Unauthorized Withdrawal Amount : {$2300.00} Nature of the Issue : My home sale was finalized on XX/XX/year>, and as part of the closing process, the new homebuyers were approved to assume my loan with NewRez. 
Despite this approval, NewRez did not process the loan assumption and instead withdrew {$2300.00} from my account after I had legally signed away my financial liability. 
I have made multiple attempts to resolve this issue, including numerous phone calls and emails. However, I have been unable to reach anyone in the assumptions department, and customer service agents refuse to transfer me, insisting I can only contact them via email. 
Despite multiple emails, I have not received any response. NewRez representatives claim they have no record of the assumption approval, yet I have confirmation from the title company that processed the closing that the assumption was properly authorized. 

Attempts to Resolve : Calls to customer service have resulted in no resolution, as representatives refuse to transfer me to the assumptions division. 
Emails sent to NewRez regarding this issue have gone unanswered. 
Documentation from the title company confirms that the loan assumption was approved and should have been processed correctly.
Product: Credit reporting or other personal consumer reports

This is my repeated endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX  XXXX Balance Owed : {$450.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureaus are willfully in violation of FCRA and condoning illegal behavior, they MUST remove this collection account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN AND XXXX  ARE REPORTING 2 PUBLIC RECORDS THAT ARE DISMISSED AND DO NOT BELONG TO ME. I CONTACTED THE BUREAU AND WAS TOLD THAT FURNISHER AKA US BKPT CT CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX HAS CONFIRMED AND ALIDATED THE ACCURACY OF THESE PUBLIC RECORDS ... THEN I CONTACTED COURTHOUSE WHO STATED IN WRINGING THAT THEY DO NOT REPROT OR VALIDATE AND DO NOT COMMUNICATE WITH CREDIT BUREAUS. THEN I CONTACTED BUREAUS AGAIN AND AFTER MULTIPLE CALLS AND A OVER 13 HOURS ON THE PHONE I WAS INFORMED THAT IT IS A XXXX XXXX WHO PROVIDES THIS INFO TO THE BUREAUS BUT IT IS NOWHERE ON THE REPORT AND NOWHERE ON THEIR SITE. HOW IS A REGULAR CONSUMER SUPPOSED TO KNOW THESE " SECRETS '' THIS IS VIOLATION OF MY CONSUMER RIGHTS ... I CONTACTED XXXX XXXX   WHO STATED IN WRITING THEY HAD NO PUBLIC RECOREDS REPORTING IN MY NAME. I RECEIVED A FULL REPORT AND UPLOADED A COPY WITH MY AGAIN NEW DISPUTE TO ALL BUREAUS. XXXX  COMPLIED WITH REGULATIONS AND DELETE THESE ERRONEOUS ACCOUNTS ACCORDINGLY. HOWEVER, EXPERIAN AND XXXX  STILL REPORTING .. I provided XXXX XXXX report stating in writing that I do NOT have public record in my name. I now filed CFPB complaint and will file with FTC and ATTORNEY GENERALS OFFICE ... DELETE IMMEDIATELY THIS IS VIOLATI
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 USC1681. 

XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX # XXXX has violated my rights. 
XXXXXXXX XXXX XXXX  # XXXX has violated my rights.

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without written consent.
Product: Checking or savings account

I got scammed XX/XX/XXXX they charged my account $ XXXX XXXX. The XXXX one went through and the last XXXX got flagged. XX/XX/XXXX My social media got hacked. 

XX/XX/XXXX while the transactions were still pending, right after I saw the notification of the charge, I called Chase customer service right away. I also called XXXX. XXXX said they're going to wait for my bank to contact them so they can give me my money bank. I tried to dispute from the bank and they said they'd help me so they opened a dispute case and said they'd give me an update. Today, XX/XX/XXXX I opened my Chase online account and it says the dispute case is closed without giving me an update or a reason why. When I talked to Chase customer service on XX/XX/XXXX they said that they'd communicate with XXXX which is the company that charged me {$1400.00} to help me get my money back but it seems they didn't do anything.
Product: Consumer Loan

Lending Club continues to send me " pre-approved '' loan offers after having twice to lend me funds. I have written to the company and they sent me a response that does n't really answer my complaint.
Product: Debt collection

I have received correspondence starting on XX/XX/2023 though my email, they then started calling other numbers of people outside of our business trying to collect. I have not received notice through mail. So sent an email stating that they only contact me by my email between the hours of XXXX on Monday. I then sent a letter in the mail on XX/XX/2023 for them to validate this debt and send me a copy of the purchase agreement and to prove that in fact it is our debt. I have yet to receive validation, until today where I was called and told that they would be reporting to the credit bureaus.
Product: Mortgage

I have a mortgage with Nationstar Mortgage. I have been paying my mortgage balance every month. However, during last three months, the entire payment was posted to Escrow balance linked to my mortgage account twice. This resulted in getting several notices from the Mortgage company that I may lose my home due to non payment. This is very frustrating to deal with them over the phone with long wait times and had to email the mortgage company. However, by the time they waive late fees and apply payments correctly in subsequent months, it has already impacted my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account/Reference # XXXXXXXX XXXX XXXX  Account/Reference # XXXX, XXXX XXXX Account/Reference # XXXX, XXXX 's XXXX  Account/Reference # XXXX XXXX XXXXXXXX XXXX XXXX Account/Reference # XXXX, XXXX XXXXXXXX XXXX Account/Reference # XXXX, XXXX XXXX XXXX Account/Reference # XXXX, XXXX XXXX # XXXX, XXXX  XXXX XXXX Account/Reference # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an opt application to the XXXX platform and do want to use their services. I would like to issue a security freeze within their system.
Product: Debt collection

Comenity Bank called me 10 times within an hour span I spoke with the supervisor and she stated she only sees two calls those two calls were within 10 minutes apart. They are calling from an Ohio number as well as a private number. I spoke with XXXX ( XXXX ) who was rude and told me there was no one I could speak to and I had to send a letter to a XXXX XXXX XXXX I advised them I did not want to be contacted by an automated dialer. Yet I was still called on my cellphone by a dialer they stated they could not see how many times the dialer called me.
Product: Credit card or prepaid card

We bought a XXXX treadmill in XX/XX/XXXX using a " XXXX XXXX Account '' administered by T.D. Bank. We paid off the treadmill quickly, but were unable to close the account. In XX/XX/XXXX, T.D. Bank sent us a letter of " Important Changes to Your Account Terms '', and again attempted to close the account. We called the phone number on the bottom of the letter we just received and were put on hold for more than an hour multiple times. 

We eventually talked to someone from T.D. Bank and they claimed they were unable to close our account. They forwarded our call to someone they claimed could close our account, but that person also claimed they could not close our account.
Product: Credit card or prepaid card

An account is showing being closed from Bank of America in my name but I have never had a credit card with Bank of America.
Product: Debt collection

Debt was PAID as AGREE with the collection agency ( XXXX XXXX XXXX ) and should be DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been pursuing an amicable resolution with XXXX XXXX XXXX, XXXX regarding incorrect reporting of a " Late Payment '' with both XXXX  and TransUnion. 

Both TransUnion and XXXX  are reporting incorrect information regarding these " Late Payments ''. After filing complaints with the CFPB regarding XXXX, my attorney received a letter from XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX department. 

In his letter, XXXX XXXX specifically states that the account was paid off in full prior to my 2015 Bankruptcy and that there were no " Late Payments '' or other derogatory remarks reported to TransUnion and XXXX. 

I'm very frustrated at this point that XXXX  and TransUnion have not reported the account correctly even after filing several disputes with both the credit agencies.
Product: Money transfer, virtual currency, or money service

I was stupid enough to place an offer to purchase a " laptop '' computer on line. 
When it did not arrive I told my credit card when the cost was put on my bill. They contacted Pay Pal as they handled the money. Pay Pal used information from the company to try to justify the payment. The document gave no proof of delivery to my office ( which is always open with employees available ). They also gave the name of the delivery company except the name is in " XXXX '' and had NO PROOF of any delivery. Apparently, Pay Pal is willing to take a statement without demanding any proof. They asked me to show proof of no delivery when that is impossible since no one ever set foot in my office.

Unfortunately this scam has help from a company that should care who they are working with ( Pay Pal )!
Product: Credit card or prepaid card

A deposit in the amount of {$1700.00} on XX/XX/XXXX. The first time I used this card was at the UNITED STATES POSTAL SERVICE for {$11.00} then my remaining balance was XXXX there's no transaction for that {$100.00} that was gone, all of the other withdraws state the balance after I withdraw the money. I just want to know where is my {$100.00} that's not accounted for
Product: Credit reporting or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MTG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my XXXX credit reports. I have paid off more then 75 % of my debt. My scores went down. This not only does not make any since but needs to be stopped and corrected. All XXXX credit agencies are worthless and wrong. 
Legal action needs to be taken against them. 

I am going to look into taken legal action against them. How can it be I paid off over 75 % of all debt and not only is it not shown but your score goes down.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX IXX/XX/XXXXAccount : XXXX XXXX XXXX XXXX Account : XXXX XX/XX/XXXXXXXX Account : XXXX XXXX Account : XXXX CXX/XX/XXXX Account : XXXX XX/XX/XXXX Account : XXXX XX/XX/XXXX Account : XXXXXX/XX/XXXXAccount : XXXXXX/XX/XXXXAccount : XXXXXX/XX/XXXXAccount : XXXX XXXX & XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXXXX/XX/XXXX 
Account : XXXX XX/XX/XXXX Account : XXXXXX/XX/XXXX Account : XXXX XX/XX/XXXXAccount : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX States I have the right XXXX privacy. XXXX XXXX XXXX section XXXX section XXXX also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXXXX/XX/XXXX States : No consumer reporting agency XXXX make any consumer report containing any of the following items of information any other adverse item of information, other than records XX/XX/XXXX which antedates the report more than XXXX years. XXXX XXXX XXXXXX/XX/XXXX A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Product: Checking or savings account

I use an app called XXXX. It pays me in advance of my payday in case I need some money but my bank has to report the transactions, which the 1st couple weeks was great, NO ISSUES. Now I guess they realized this helps me not to Overdraft, meaning the bank wo n't get to charge me {$38.00} in fees so they are not reporting transactions to XXXX ; therefore ; I am not able to get my money from them. Thank you, XXXX XXXX
Product: Checking or savings account

My account has been frozen since friday XX/XX/XXXX and I cant access any of my money to pay my bills and feed my family. I have had this account since XXXX and I dont understand why they would not allow me to use my own money. My employer direct deposited my paycheck of {$3800.00} on XX/XX/XXXX and I havent been able to access any of it. My cable is due today and my electricity tomorrow and I wont be able to pay it because Bank of America wont allow me to use my money from my paycheck. All my money is in this account and Im running out of money. Ive called the bank 5 times and nobody gives me a reason and just keep telling me to call back in another 48 hours. This is unacceptable!!
Product: Credit card or prepaid card

I have had the XXXX XXXX XXXX since XX/XX/XXXX and have always paid on time. 

I am XXXX XXXX XXXX and have gone over my limit and they will not increase or process payments quickly. I have called every day this week several times to no avail and I have now cancelled this. I even went and made a XXXX savings and checking account because I would have access to XXXX $ credit, that is not true now because Im over my limit. 

XXXX XXXX XXXX  says its an unlimited card but it is not, and requires you do submit taxes and forms and then the system crashes. 

But the worst one of all is Wells Fargo. They mark you down for fraud, and the fraud department doesnt work on weekends and when they are open during working hours, the lines are busy. I am going to file a formal lawsuit because I was involved in a car crash from the stress and lack of sleep caused by these banks. FDIC should be open 24/7.

Also, hotels can not charge an incidental extra charge. It needs to all be included in the price. How a room goes from {$500.00} to {$850.00} is beyond me. And how my XXXX XXXX room doubled in price at check out is ludicrous.