23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

My husband and I have had our account for over two years now. We specifically asked before opening account that I could cash his check on Fridays, because he works XXXX and sleeps during the day. We were assured that this would not be a problem. We were told that because he had given his permission in person at the bank, that this would be ok. For the first several weeks, I was told that I could not cash his check, because he was not present. My husband and I had to literally go inside the bank on numerous occasions to speak to their staff to resolve this issue. We were told, each time, that it has been resolved, and I would not have anymore problems cashing his check. As recently as XXXX XXXX, 2016, through the drive through, I was told, while I was trying to cash his check, that ( and I quote ) " I can not cash your check because your account is in the negative ''. Our account was NOT in the negative. I had to go inside and speak to XXXX, the branch 's manager. She told me that they have " new '' people who do not know me, or the circumstances. This is after meeting with XXXX, my husband and I just a few weeks prior to this incident. XXXX gave us her word that this would not be a problem again. I go through the drive through primarily because I am XXXX and it is very hard on my body to try to get out of my car, park, and wait in line inside the bank. What my husband and I are so upset about is ( 1 ) we were told upon opening our joint account that because he has given them his permission, I could cash his check every week ; ( 2 ) we are continuing to have this problem every time she tries to cash his check ; ( 3 ) now, because of all the issues of her trying to cash his check, he actually has to get up from his sleep ( he works XXXX and sleeps during the day ) around XXXX every Friday, get dressed and drive to the branch in order to cash his check. This is totally ridiculous!!
Product: Credit reporting or other personal consumer reports

I dont ask to VERIFY the following accounts. By LAW 15 USC 1681 EB you cant furnish inaccurate information on my consumer report. You need to provide PROVE OF THESE LATE PAYMENTS. I need disclosures and Experian must abide by the conditions and compliance of the law 15 USC 1666B : Time to make payments. 
COPY OF THE LAW : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Please provide a copy of the letter with tracking number sent by creditor with periodic statement including the information by section 1637B for each alleged late payment 21 days before payment due date. 
If you are unable to send me PROVE then delete these late payments IMMEDIATELY. 

PUBLIC RECORD BANKRUPTCY ACCOUNT XXXX You are committing FRAUD. 
The Report Letter # XXXX for XXXX XXXX you stated AGAIN that you verify this account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX DELETED THIS ACCOUNT XXXX ON XX/XX/2023 because information was inaccurate and unverifiable. See attached letter from XXXX XXXX XXXX XXXX XXXX.
Product: Mortgage

First, I closed a cash out refinance with Citizens Bank on XX/XX/XXXX. I began the process at the end of XX/XX/XXXX. There was to be no escrow for taxes or insurance as the loan is for {$180000.00} and the assessment of the home is {$400000.00}. The statement for XXXX shows an escrow for flood insurance of {$320.00} which was placed on the loan on XX/XX/XXXX. I had been quite clear with my loan officer, XXXX XXXX in the XXXX, CT office that I did not need or want escrow. There was no escrow included on the closing documents. On Tuesday morning XX/XX/XXXX, I spent 2 hours on the phone trying to rectify the problem. The customer service number Citizens Bank has listed on their app XXXX is only an automated phone service. You can not actually get any help. I called XXXX XXXX who was the loan processor. He tried to be helpful but said there was not much he could do. I called my branch in XXXX, CT and got a number that connected me with a person. He gave me the information that the escrow had been placed on the XXXX of XXXX for no apparent reason. He then redirected me to a person in charge of insurance. This person said since I do have the proper flood insurance, there was no need for the escrow and he would fix the error. It is now Saturday XX/XX/XXXX and the statement online still had the escrow of {$320.00} included for XXXX. 

Second, at the closing I was asked to choose the day I wanted money directly withdrawn from my bank account each month. I requested the XXXX of each month. Both the Citizens Bank Home Loan app and their online statement says that my payment was due on XX/XX/XXXX and that I am delinquent in payment. The gentleman in customer service assured me that my payment is to be withdrawn on the XXXX and that their app doesnt always make sense. The same information is also on Citizens Banks online statement. I believe that their error has now hurt my credit score. 

Third, they paid an incorrect amount of property taxes, which I recognized and paid.
Product: Student loan

I borrowed {$15000.00} in a private loan from Navient on XX/XX/XXXX to prepare for the bar exam. 

Unfortunately, my husband and I had to filed XXXX  XXXX bankruptcy in XXXX. During the XXXX years of my bankruptcy, my trustee made XXXX payments on my behalf to Navient totaling {$12000.00}. 

Instead of discharging the remainder of my private loan debt in bankruptcy, Navient put me in a long-term forbearance claiming I now owe them over {$26000.00}!! Navient claims that the Texas lawsuit prevented them from collecting on private loans and that they are entitled to charge this interest. 

I had hoped that my remaining debt would be XXXX in the XXXX class action lawsuit. However, my state was not included in the suit. 

I am hoping your office can help me reach a fair settlement and payment plan with Navient. It seems very unfair that they are making me start all over on payments on a debt that was nearly paid for. 

Any assistance you can provide would be greatly appreciated!
Product: Debt collection

This debt has been paid off. I keep having debt collectors reopen the account and I dispute through the credit bureaus. It comes out in my favor due to it being paid off already, but my credit score falls and it takes time to correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following accounts listed on my credit report : 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 XXXXXXXX I believe that the accounts listed above contain errors that violate several federal laws including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Fair and Accurate Credit Transactions Act ( FACTA ), the Truth in Lending Act ( TILA ), the Real Estate Settlement Procedures Act ( RESPA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ). 

First, regarding the XXXX University account, I have reason to believe that this account has been reported in error. According to the FCRA, creditors are required to report accurate information to credit bureaus. In this case, the account has been reported with an incorrect account number. This is a clear violation of the FCRA. 

Secondly, the XXXX XXXX account has been reported as a late payment account. However, I have evidence to suggest that the payment was made on time. According to the FDCPA, debt collectors are required to provide accurate information to credit bureaus. This inaccurate reporting is a violation of the FDCPA. 

Thirdly, the XXXX account has also been reported as a late payment account. However, I have not received any notification of late payment from the creditor. This is a violation of FACTA, which requires creditors to provide notice of late payments before reporting them to credit bureaus. 

Fourthly, the XXXX XXXX XXXX account has also been reported as a late payment account. However, I have not received any notice of late payment from the creditor. This is a violation of FACTA. 

Fifthly, the XXXX XXXX XXXX account has been charged off. However, I have not received any notice of the charge off from the creditor. This is a violation of TILA, which requires creditors to provide notice of charge offs. 

Sixthly, regarding the XXXX XXXX XXXX charge off account, I have reason to believe that the amount listed is inaccurate. This is a violation of RESPA, which requires creditors to provide accurate information to consumers. 

Lastly, the two XXXX XXXX charge off accounts have also been reported with inaccurate information. This is a violation of FCBA, which requires creditors to provide accurate information to credit bureaus. 

I demand that these errors be corrected immediately in accordance with federal law. I also demand that any negative impact on my XXXX XXXX be corrected and any associated fees and penalties be refunded. I appreciate your immediate attention to this matter. 

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

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX, and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXXXXXX Balance : {$25000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

National credit systems is reporting an account that does not belong to me to credit bureaus. I never opened any account XX/XX/XXXX and although I have disputed the entry it remains on my credit report past due as of XX/XX/XXXX. I never opened an account with the original creditor shown on the credit file either. It appears fraudulent, discriminatory and deceptive practices are being used by this agency. I have not received my credit file from XXXX. I have attached a copy of the entry from my XXXX  report received today. The fraudulent entry appears on my XXXX  report with varying information.
Product: Debt collection

On XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN. XXXX put a fraudulent collection on my credit report. I have never had and business transactions with this company or XXXX. I have ask all party 's to remove this from my credit report.
Product: Student loan

I am a recent graduate of an XXXX and have currently begun working within my field. Accepting a position in my field resulted in a financial gap in my salary ( I took a 40 % pay-cut from my last office job ). Upon contacting my private student loan provider I alerted them of my financial change and requested other payment options. They refused to work with me in order to find a suitable repayment plan. 
I have been paying back my private loans since I was in college, never missing a payment, and their only solution to my financial situation was to allow my private loan debt to go to collections. I refuse to accept that they are unwilling to extend the term of my loans, making payments affordable for me. I understand fully that I am responsible for paying back my student loan debt and I am not trying to justify not paying what I borrowed. I am simply making a minimal ( entry-level ) salary and am need assistance on repayment plans. If my private student loans provider extended the term of my loans, my payment would become affordable. They have refused to do so because my total debt is {$2000.00} less than the acceptable amount of debt a borrower needs to extend payment terms. 

I graduated XXXX year ago, and am finally perusing the career I dreamed of in college. Now my student loan providers have suggested I quit this job in order to work at a XXXX so I can make ends meet on an unfairly large monthly student loan payment. They are making it impossible for me to continue working in the field, that I went to school for in the first place, in order to obtain a higher paying job to pay them back ( at 10 % ) for the education I will not be utilizing. 

I ca n't believe that any student loan provider would refuse to give their borrowers alternative payment plans. I am simply looking for accommodation for entry-level salary borrowers that is fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my Transunion credit file on XX/XX/XXXX, I noticed continuous soft inquires from XXXX starting XX/XX/XXXX. I immediately tried to contact XXXX, which does not have a customer service number, so I emailed them. I explained by dilemma to the representative and was advised that I would have to create another account with them and provide them the ID assigned to this account, and that they would locate the other account using this info. In addition, would take 5 days to remove the account. I followed up on XX/XX/XXXX to advise there were still soft inquiries showing on my report. A representative advised that they would be deleting both accounts and blacklisting my social security number. I then reached out to Transunion to inquire how they allow anyone to use 3rd parties to gain access to my credit file. The only explanation I received was that soft inquires do not impact my credit file. While I am passionate about my credit rating, I have significant concern with someone have visibility into my credit report. Please assist as I fear this can happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Repair company has sent letters off on my behalf, but the collection agencies have not responded, corrected inaccuracies, or verified the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed here do not belong to me it has been over 120 days and no resolution has been made. This is supporting fraud. I demand that they be removed now because it is stopping me from obtaining gainful employment. If the credit bureaus do not remove these items I will file a lawsuit. Fraudulent accounts are as follows : XXXX XXXX XXXX, XXXX XXXX, {$13000.00} ; XXXX XXXX XXXX, XXXX XXXX {$93.00}.
Product: Debt collection

XXXXYNCB/SAMS CLUB has been calling me, emailing me and sending letters to my address trying to collect on a debt that does not belong to me. SYNCB/SAMS CLUB has called and threathen me to garnish my pay check and to continue reporting information on my credit report that does not belong to me
Product: Checking or savings account

I had a checking and savings account with Citi. 
I closed the account, and withdrew my balances leaving the accounts empty. 
Citi failed to close the account, and continues to charge erraneous unauthorized fees to the account. 
I've already attempted to contact Citi, however they have no customer support. The chat and phone line just timed out. 
I've wasted hours of my time due to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this as a follow-up complaint to this specific account : XXXX XXXX XXXX : {$1300.00} This account must be validated in my file I think it is erroneously reported. I am asking for your help to investigate the inaccurate account listed in my credit file.
Product: Mortgage

Received documents from PENNYMAC stating that a pre-foreclosure is about to start on my private property and I had 45 days to respond. I send several certified written requests to the XXXX, which they had 30 days to respond. However, PENNYMAC was the only one that responded and requested additional time to conduct a full review. On XX/XX/2023, two gently men showed up from safe guard property and removed the security door and place a lock box on the door per PENNYMAC request. However, I would like an explanation from the lender. I would also like a response from my written request that was send to all parties, as soon as possible. ( SEE ATTACHMENT ).
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
DEPTEDXXXX XXXX DEPTEDXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a validation request To Alpine Credit in XXXX XXXX They responded on XX/XX/2022 with a simple bill. and NO HIpaa release form signed by me. On XX/XX/2022 I sent another letter informing them of their FDCPA and HIPAA violation. On XXXX I sent a cease and desist to all collection activities. They have yet to remove this unvalidated account from my credit report. Ive included all letters I sent as well as their response, and a copy of my credit report.
Product: Credit reporting or other personal consumer reports

Dispute of Bankruptcy Due to Identity Theft ( FCRA 605 ( b ) ) Dear All Credit Reporting Agencies, I am writing to formally dispute the inclusion of a bankruptcy on my credit report. This bankruptcy was filed fraudulently in my name without my knowledge or consent and is a result of identity theft. Under Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), I am requesting its immediate removal from my credit report. 

I have enclosed the following documentation : XXXX. Identity Theft Report : A copy of the FTC Identity Theft Affidavit and/or a police report detailing the fraudulent activity. 

XXXX. Proof of Identity : Copies of my government-issued photo identification and a utility bill or bank statement as proof of residency. 


Under FCRA 605 ( b ), a consumer reporting agency is required to block information resulting from identity theft from appearing on a consumers report within XXXX business days of receiving : XXXX. Proof of identity, XXXX. A copy of an identity theft report, XXXX. Identification of the fraudulent information, and XXXX. A statement from the consumer affirming the fraud. 

This is my formal request to investigate and remove the bankruptcy from my credit file. I also request written confirmation of the results of your investigation and an updated copy of my credit report showing that this fraudulent information has been removed. Failure to comply with FCRA obligations may result in legal action to enforce my rights. 


Sincerely, XXXX
Product: Mortgage

Bank of America took extra early mortgage payments costing us at least {$740.00} in interest On XX/XX/XXXX we paid our XX/XX/XXXX mortgage payment. Between XX/XX/XXXX and XX/XX/XXXX we set up BoA Auto Pay to handle future payments expecting them to start with the XX/XX/XXXX mortgage payment. However, BoA automatically took that XX/XX/XXXX mortgage payment on XX/XX/XXXX. BoA should not have initiated a payment - one that included {$740.00} in interest- when no payment was due for another month! BoA continued taking extra early payments via Auto Pay. BoA took the XX/XX/XXXX mortgage payment on XX/XX/XXXX and the XX/XX/XXXX payment on XX/XX/XXXX ( ref : BoA Mortgage.pdf ). 

In addition, Bank of America erroneously charged us PMI payments totaling {$47.00} The primary originator of our loan wrote on XX/XX/XXXX, " At 78 % the PMI will be removed, '' and this statement was in line with our loan 's " Mortgage Insurance Disclosure '' dated XX/XX/XXXX. Per our mortgage statement dated XX/XX/XXXX the principal balance on our loan was {$190000.00}. {$190000.00} was 75 % of our original purchase price of {$250000.00}. At that point, PMI should have been gone. Bank of America, however, charged {$23.00} PMI on XX/XX/XXXX and {$23.00} on XX/XX/XXXX. I brought the PMI issue to BoA 's attention via a secure message on XX/XX/XXXX. While BoA did stop charging us PMI after that, BoA refused to issue us a refund of the {$47.00}. Per a BoA letter dated XX/XX/XXXX, " no refunds are due. '' This letter referenced a requirement for cancellation being " a request for review from ( us ). '' As soon as our loan got to/below the XXXX % threshold, however, the PMI should have been removed automatically. It was not up to us, the borrowers, to make this happen ; it was up to BoA, the lender, to handle it appropriately. 

These issues were emailed to our primary originator on XX/XX/XXXX ( via XXXX ), XX/XX/XXXX ( via BoA secure message ), and XX/XX/XXXX ( via XXXX ) ( ref : XXXX XXXXpdf ). 

Furthermore, IMMEDIATELY after we paid off our loan, BoA removed our online access to our account. No longer could we retrieve our statements or use their " secure messaging system ''. Speaking of the latter, it is not a user-friendly system, and messages are designed to disappear after a relatively short period of time. This added to our mistrust of BoA following multiple instances wherein our confidence in their institution, their systems and their way of doing business was diminished. Examples include but are not limited to the following : BoA did not respond to time-sensitive requests in a timely manner ; BoA requested more documents than their online system was designed to handle ; BoA repeatedly insisted that we complete an IRS form incorrectly- one that we learned other lenders do not require - and then claimed that they were not even going to submit that particular form to the IRS ; BoA 's website initially applied an incorrect date and time stamp to an online payment request.
Product: Debt collection

THEY REPORTED A DEBT OF {$270.00}. I DON'T OWE ANY MONEY TO THE COMPANY OR TO XXXX XXXX XXXX XXXX. I ASKED FOR PROOF OF DEBT, AND NONE WAS SENT.