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

On XXXX XXXX I received from my bank, TD Bank, a letter stating Enclosed is the information you requested. On the back side of the letter was a copy of another TD business customers cashed check. I took this letter to my local bank to inquire why I received the correspondence. After many phone calls from the bank to other bank employees I was told it appeared it was an error. I had been at this bank 10 days prior in order to obtain a copy of one of my cashed checks. Due to the current state of affairs with rampant fraud, scams etc I asked for the letter that was mailed to me be returned. They advised it was against their policy to return the document. I advised that this letter was delivered to me via the US Postal service and it was therefore my property. They refused to return it. If a copy of my cashed check was shared with another customer I now have no documentation/information in which to prove any type of fraud should it now occur with my accounts.
Product: Credit reporting or other personal consumer reports

I am here to dispute a credit line caused by fraud, i was financially scammed. I reported to all XXXX  credit bureaus but nothing has changed. According to 15. U.S.C. 1681 i-5by law you are obligated to re investigate this inaccurate account.Please remove this inaccurate information.Thank you.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and I noticed a account that I did not apply for and didn't look familiar or give authorization to, After reaching out to the CRA and the creditors, I was advised they did not have file of me applying for credit with their company but both insisted on pushing-back even though they know i let them know the items in question i did not belong to me and the creditors agreed that it is a violation of my consumer right under 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries ; except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer and I want these items removed ASAP because it had a negative impact on my credit report
Product: Mortgage

My loan had a partial payment of {$70000.00} on XX/XX/2022, From the Department of veterans affairs and my mortgage company XXXX XXXX accepted the VA payment but yet has boarded this amount to XXXX  Ive ask for a copy of the all Promissory notes on XX/XX/XXXX to close my new loan with XXXX XXXX XXXX they will not send documents and refused to do proper paper work on Boarding the Partial claim to generate a acct number so XXXX  the new service can be paid It has cost me over XXXX XXXX dollars and all the appraisals, and late fees plus xtra mortgage payments I need help they want help me get away from their company they continue to make excuses my refinance want go thru unless they complete this, The Veteran Admin says Dovenmuehle meds to complete this and they refuse to complete it, it been almost 10 months Im really tired of no reply from them
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account SPRINGLEAF which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that SPRINGLEAF was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with   XXXX   XXXX   XXXX  , I was overcharging and I feel I was discriminated by them and I ask them and several occasions to lower the interest rate and they refuse and I ask them to close it because I will never able to catch up.consequently they accept to close the card and I will continue to make payment. Before the payment due date They still calling me and harass me on numerous occasion. I made my payment and   XXXX   XXXX   XXXX   reports to the credit bureau that I was late 90 days which is incorrect and I have document to prove that because I paid them through my bank account. because of that I was denied a job by a company. I would like for you to step in and discuss the finding with them
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance : {$440.00} ; XXXX XXXXXXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXXXXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX  XXXX & Account # XXXX XXXX have 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 or other personal consumer reports

FCRA Violations NOT mine not my credit cards XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$7200.00} Status Account charged off. {$7200.00} written off. {$1800.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$3700.00} Status Account charged off. {$3700.00} written off. {$3700.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX - XXXX XXXX in settlement. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Account charged off. {$1900.00} written off. {$1400.00} past due as of XX/XX/XXXX. 
THE XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4500.00} Status Account charged off. 
not my addresses XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident type Multifamily not my phone numbers ( XXXX ) XXXX Cellular ( XXXX ) XXXX not my name XXXX XXXX not my inquries XXXX Inquired on XX/XX/XXXX On XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Product: Mortgage

Last XXXX my husbands employer had changed his payroll to salary XXXX to XXXX work first then get paid. This resulted in not getting a paycheck for a month. The other problem was his pay decreased because they changed from XXXX to XXXX weeks. I had contacted Wells Fargo before I even fell behind to ask what I can do and at that point they told me there was nothing can do for me. I see them always advertising if you anticipate payment challenges or if you need help they are there to help you. So I struggled and of course I fell behind. You ca n't make up pay you did n't get. I started to get charged late fees so I called and asked now what can I do to catch up. They put me in a payment plan that I could n't afford. Now they know I was currently in HAMP because I struggled when I lost my job after XXXX years in 2007. That program worked great for us. The payments started to go up, so that meant our arrears where increasing. In XXXX I told them that I could n't afford the current payment plan I was in to see if they can forbearance or something. Now up until last XXXX I was never behind, nor did I miss a payment. I assumed that they would be more than willing to help me. Now during the trial payment of my HAMP, my house was discharged in my bankruptcy by their error. So I also continued to pay because I wanted my house. I have n't been getting credit, but I really feel that now my house has equity they want it. I applied for anything they can help me with and that was XXXX XXXX. They continued to weird things, like send someone to my house and put a confidential notice on my door to contact my servicer immediately. That was illegal and there was no disclosure stating that they are not attempting to collect a debt. I was working with them My house was discharged so I had called because I was upset and explained the situation. The representative on the other end had called me a crazy lady. I could n't believe what I just heard. So I asked to speak to someone, had it escalated. Then my case was removed and given to someone else. But really no one said sorry to me, I could n't believe a professional could call a customer that. So I thought I would get fair treatment after that. Then I thought all was going well and then they denied me on XXXX XXXX. They then told me I can short sale, I could n't believe after XXXX years they could n't help me. I said you had no other options for a repayment? Their answer was I was denied because I was n't in imminent default. At this point I could n't believe that all that time they could n't come up with one thing. They claimed they had something ... what liars they had nothing. I felt once they realized I had equity they wanted my house. I had withheld a payment because I sure did n't want to not have one when they requested it. Their answer was I can appeal. What was there to appeal. They could n't do one thing for me? I think they false advertise helping homeowners. I had paid them faithfully and this is how I was treated.
Product: Checking or savings account

In XXXX of XXXX  Suntrust bank made on-line system changes the merged their Mortgage accounts into the same on-line portal that is used for checking account. Starting in XX/XX/XXXX when I took out my mortgage with Suntrust I was eligible to have my checking account fee waived so long as I maintained a minmum daily balance of all combined accounts of {$25000.00}. My mortgage account had well more than that averge daily balance. IN XXXX, XXXX and XX/XX/XXXX, after never having been charged a fee I was charged {$25.00} maintance fees for my checking account. ON our about XX/XX/XXXX I spoke with a representative at Suntrust, who said that the fee was charged in error, that because of the system change my account was not properly linked. I was never notified by mail or electronically of this system change or that any action was required to ensure the fee would not be charged. I was refunded the {$25.00} fee and the representative linked my account. 

In XXXX and XXXX I was again charged the {$25.00} maintenance fee for my checking account. On XX/XX/XXXX I again contacted Suntrust, this time the story changed. I was informed by the representative that ones mortgage account no longer could count towards the {$25000.00} minimum balance fee waiver for signature checking accounts. The representative could not identify when this change occurred or explain why if that was the case I had been receiving a fee waiver for four years. I was refunded ( after a little back and forth and being elevated to a supervisor ) the additional fees I was charged. The supervisor also informed me they do annual checks of all accounts to ensure proper fees are being charged and perhaps in XXXX, which would have been an annual anniversary they saw I was not being charged the fee I should have been. To the extent I had been receiving the fee waiver by accident, at the very least Suntrust should have to notify me of that fact and tell me actions I could take to avoid the fee. I have looked back through my correspondence, which I receive all electronically, and I do not have any notification at anytime over the past four years and certainly not in the past four months when these fees were being charged, that my account was no longer eligible for the fee waiver. The supervisor said that there should have bene a note on my monthly statement. There was no note indicating that there has been a change to my fee waiver status. And perhaps even more disturbing when I commented to the agent that even if there was a note this is the type of thing that should not be buried on a statement as I don't always check them since I review everything via the on-line portal. She agreed and admitted she never actually reads her statements. 

In light of the XXXX XXXX XXXX merger with Suntrust this behavior by Suntrust is very concerning and if this has happened to me I can only imagine the same must have happened to others.
Product: Mortgage

XX/XX/2017 i called berkshire bank and asked them for guidance because my mother got old and sick and im XXXX. I asked if they could help me because my moms house insurance lapsed due to her illness and i did not know what to do. They said sure no problem we take care of. that for if we can automatically withdraw your monthly mortgage payment and we will send you the information on homeowners insurance also. i set the auto withdrawal for mortgage. Couple months later i got a letter giving me a price of XXXX a quarter for insurance. Great thank you for your help at this difficult time in our lives. I will be in to pay .About a year to two years later, after mom back home and better she will live. I noticed i have been very short of my money. My bank informed me that berkshire bank had been withdrawing my mortgage and homeowners insurance. They had put me on commercial insurance about XXXX a year and it was with their own berkshire bank owned subdivision ( under another name ) insurance.. They own an insurance company so they put me there.. Im not a commercial company and never agreed to it. so they profited all the way big time for their own personal gain. When i called and told them i know what they have been doing and to stop automatic withdrawal, they refused. i paid my bank to have it stopped and during that time i became 2 months late on mortgage and they sent me lawyer fees for XXXX dollars. this is only one bad thing they have done. Next i called and asked to borrow on my equity and a man named XXXX laughed at me and said " You are a left over mortgage from when we bought the bank we would never have approved you based on your social security income age and XXXX and laughed some more and hung up XXXX it goes on and on i have an entire notebook on how my elderly mom and me her XXXX daughter have been and are still being treated 6 to 8 calls a week just for harassment all thru covid. they prey on the old and XXXX. There's lots more if your interested.
Product: Debt collection

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I Disputed in XXXX, XXXX, and XXXX of 2020 with XXXX  and Transunion credit bureaus about verifying the account of XXXX XXXX account XXXX XXXXXXXX. I asked for verification with XXXX XXXX account XXXX  XXXX, and I received no response from them all three times. XXXX and Transunion replied that this account has been verified by the Fair Credit Reporting Act but I have not received anything from them nor have they shown me their methods of Investigation. I don't believe either bureau did a proper investigation or if they even investigated this account at all. I'm asking help from the CFPB in order to correct this issue by the credit bureau doing a proper investigation and deleting this unverified account. thanks.
Product: Checking or savings account

I had sufficient funds in my checking account to cover the purchase of gas I made from XXXX XXXX company for my car and other pending transaction which do not post until after the weekend. However, San Diego County Credit Union holds {$120.00} on the funds in my account every single time I purchase gas at XXXX. Each time my purchase was well below {$120.00}, and if I did not have {$120.00} in my account, but did have the actual amount I spent on gas at XXXX, SDCCU would transfer money from my savings and charge me a {$5.00} fee, despite my account never actually going below the funds due to a purchase. SDCCU reversed the charge one time but refused any subsequent time. So in the end I was penalized {$5.00} because I didn't have money in my account to cover a {$120.00} purchase I did not make, despite having adequate funds to cover my actual purchase price.
Product: Money transfer, virtual currency, or money service

I am riding to formally express My concerns regarding Zelle 's handling and disputes, Particularly in light of the recent CFPB LAWSUIT, I have used Zelle numerous times And have reported these issues to the company, but still no action is taken, {$500.00} was taken out of my account But Zelle and my financial institution failed to investigate this and my claims. 
They Inform me that tracking these transactions where Impossible and Unfeasible.Zelle has not only neglected to protect the users but has allowed this to keep on happening, which leaves consumers venerable to scams.
Product: Credit reporting or other personal consumer reports

According to XXXX XXXX Transunion 1997, XXXX, Transunion and XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). 42 USC 408, 15 USC 1666b Delete ACCOUNT
Product: Mortgage

OnXX/XX/2020 I contacted BBVA Compass for my mortgage payoff. 
I am in the process of refinancing and I was told that my payoff was XXXX. Loan documents we drawn and when the title company went to pay off the loan on XXXX they were told that the amount due was XXXX. In between the 2 dates I made my monthly payment of XXXX and a XXXX curtailment. Loan is 4 % and daily interest is just over XXXX dollars. 
We called BBVA and I have since contacted them over 15 times and spent close to 15 hours on the phone trying to get resolution. On XXXX my principal owed was XXXX. After a payment they are now saying my principal owed is XXXX. 
No one there can explain it and When I ask to speak to management or anyone capable of making a decision they tell me to be patient and that they are working on it. At this point I need resolution immediately or I will have to pay teh refi bank to redraw documents and pay title to sign again. BBVA has been evasive and aweful. They have told me that tehy would have an answer on 6 different occasions and no one from BBVA has ever reached out to me as they say they will. 
Please help becuase I'm getting no help at all from them
Product: Mortgage

loan XXXX ; Champion Mortgage/Reverse Mortgage placed loan in mortgage due and all due status because of {$2000.00} in property taxes paid several years ago. This abusive since I am XXXX years old and trying to refinance the loan from Champion Mortgage ; Champion is harassing and holding me up from refinancing and paying them off
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing due to non-compliance with Equifax, XXXX XXXX XXXX. They have failed to remove information that was affiliated with personal details that were challenged most recently. They are in violation of the FCRA and are outright refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX XXXX correct. 

In accordance with the Fair Credit Reporting Act XXXX 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 consumer report furnish an 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 purpose.
Product: Debt collection

I was renting an apartment, and everything was fine until I was about to move out. I was unfairly charged for damages and replacement costs without sufficient evidence : 1. Broken Gate : my movers were accused of breaking a gate and I was charged for the repair. However, no evidence was provided that my movers were responsible for this damage. I asked for evidence more than once and was denied evidence saying that its too late because the bill was sent to collections. 
2. Carpet Replacement : I was charged for carpet replacement without any evidence of damage. I left the apartment with no damage to the carpet. In fact I had bought a carpet cleaner to shampoo the carpet. I was charged for damaged carpet. I asked for evidence and was denied. 
3. Dishwasher Machine Part : I was charged for a part for the washing machine that supposedly broke. I had placed a work order for maintenance to fix the issue. The washing machine was not working properly. The maintenance team came and said it was fixed, but the problem persisted. Despite notifying them of the issue, the maintenance team ignored it. I did use the dishwasher since management had ignored my work order and I was mainly eating takeout since I am a student and did not really have time to cook. 
4. Collections and Dispute : I was out of the XXXX and could not access my email or number for a while. The landlord sent the bill to collections. When I contacted management to dispute the charges, they said I needed to deal with collections directly. I tried contacting the collections agency to request proof of the charges but only received an itemized bill. My requests for detailed evidence were repeatedly denied. I disputed the collections, but received no response for over a month. Eventually, I discovered that the collection account was reported to my credit report even though a dispute was open. 

I am seeking resolution to this issue as the charges were made without proper evidence and my attempts to resolve the dispute were not addressed satisfactorily.