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

As someone who lives paycheck to paycheck there are always more bills at the end of the money however in a 6 week period TD BANK has charged me over {$800.00} in overdraft fees virtually ruining my ability to pay my bills as {$800.00} is more than 1/2 of a paycheck. They refuse to forgive any of it. I have overdraft protection but bills that would have cleared with no problem did NOT and I was assessed more fees. On XXXX XXXX {$35.00} XXXX XXXX {$35.00} XXXX XXXX {$70.00} XXXX XXXX {$70.00} XXXX XXXX {$35.00} XXXX XXXX {$70.00} XXXX XXXX {$35.00} XXXX XXXX {$35.00} XXXX XXXX {$170.00} XXXX XXXX {$35.00} This is BEYOND abusive and research has indicated that TD Bank has already had complaints and judgments against them for this type of abuse. As a result of this I have had to use credit cards to buy something as small as a pretzel because I have no cash and am petrified to use my atm card. PLEASE PLEASE HELP ME!!!! I want these fees refunded and then I plan on changing banks. I have already tried to switch banks but TD does not seem to want to release my money. I will be happy to supply you with my account number so that you can investigate this thoroughly.
Product: Debt collection

A collection account from COLUMBIA DEBT RECOVERY, LLC/ COLUMBIA DEBT RECOVERY/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLUMBIA DEBT RECOVERY dba GENSIS has been inaccurately reporting on my credit report. This debt does not belong to me, and after disputing the debt with credit bureaus on, I received no proper validation of the debt from the collection agency, which is a violation of the Fair Credit Reporting Act ( FCRA ). Despite this, the debt remains on my credit report, damaging my credit score. I request that the CFPB have this erroneous collection account removed from my credit report immediately.
Product: Credit reporting 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX BALANCE {$9400.00}
Product: Credit card

Someone open KOHLS credit card under my name for {$300.00}
Product: Debt collection

Collection Bureau Of F refused validation of the alleged debt claim I owe. I have requested proof that I am indeed the party you are asking to pay this debt and there is some contractual obligation which obligates me to pay this debt of {$2500.00}
Product: Credit card

This complaint is due to the lack of sufficient consumer notification for debt owed to Bank of America. 

I held a Bank of America credit account for years with XXXX issues. The account was utilized as a secondary credit account and the frequency of use had declined significantly over the years. On XX/XX/XXXX, I received notification from my primary bank, XXXX XXXX, related to credit monitoring notifying me that Bank of America reported a balance of {$340.00} as past due 90 days. I immediately logged into my Bank of America account to review what transactions hit the account and pay the balance. A payment of {$340.00} was initiated immediately ( cleared XXXX XXXX on XXXX ). After making the online payment, I contacted Bank of America customer service ( same day, XX/XX/XXXX ) to determine why I was not notified of the balance. I confirmed the correct phone, address and email were on file ; however, the correct email was not listed as 'primary '. I was advised that an older email address of mine was primary and that since I was signed into e-notifications, Bank of America was only responsible for sending statements or notifications to the 'primary ' email. Customer service confirmed that no call attempt, no text attempt ( although I am signed up for text notifications ), email to the 'secondary ' address, or paper letter was sent to notify me of the balance due or past due balances that began in XXXX XXXX They made no other form of contact for 5 months. 

I requested to close the account due to their practices, and I was advised that Bank of America already closed the account due to the past due status of over 90 days. I was advised that I needed to settle the debt to which I informed them that a payment was made online because XXXX XXXX notified me of the balance due. I requested paper statements be mailed to me XXXX. I received 5 paper statements, four of which included late fees, one of {$25.00} and three of {$39.00}. I gained access to the 'primary " email address Bank of America had on file, and confirmed e-bill notifications were only sent on XXXX XXXX XXXX Not only did Bank of America fail to notify of the debt through all of the correct channels and consumer information on file, they only sent a total of 2 notices which did not include a notice of closure. A closure notice was never received through any channel. I was only notified of closure when requesting the account closure via customer services because of their practices. 

This occurred for an account of a tenured customer with a XXXX dollar balance prior to XX/XX/XXXX with a {$13000.00} credit line, no prior late occurrences and a credit score of XXXX. Bank of America chose to charge {$140.00} with lack of monthly notification of debt due to the consumer, and close the account versus contacting the consumer to notify of debt balance due. This practice had drastic adverse affects on my credit reporting/score which went from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My score has increased slightly but lists a severe impact for 3 late payments and derogatory status ( over 90 days ) reported by Bank of America.
Product: Checking or savings account

It was some small unauthorized deposits made into my account that I had any control of or anything to do with. I never did business with these people and I have no idea why this happened. In result Navy federal closed down my XXXX  account permanently. I feel this was very unfair for me to get punished for something I had no control over. I feel the bank is supposed to protect my money not punish me for my account being hacked. I very upset with this matter. I can't believe what has happened. I want to matter looked into, and I want to make sure I report to matter because now I feel is my money is not safe with institution.
Product: Debt collection

XXXX XXXX XXXX is suggesting I incurred a debt with EZMONEY in XXXX. I never incurred it. They have access to information regarding the company I worked with at that time. They are threatening to subpoena my younger brother and deceased mother. I don't know how they get their names. They are threatening me with a summons if I don't pay as well as saying they will report it to the credit bureaus. 
The letter says it is a civil lawsuit notification. 

Company : XXXX XXXX XXXX Received : XX/XX/XXXX. 
Amount : {$610.00} Stated due date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Reporting act, the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights. 

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

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1681C ( a ) ( 5 ) section states : no consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which anti dates 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: Mortgage

My complaint is against my mortgage company : Shellpoint Mortgage Servicing for NewRez Mortgage My complaint is that my mortgage company is not adhering to the regulations for the COVID Relief Mortgage forbearance because they only granted 90-days of mortgage forbearance and they told me the forbearance will negatively impact my credit.

I shared Consumer Finance website and details about COVID Relief mortgage forbearance and representative told me it ends XX/XX/2021 and this is all I will receive. 

On XX/XX/2021, I requested the COVID Relief Mortgage forbearance/deferment and the mortgage representative helping me told me that I only have until XX/XX/2021 for forbearance because that is when the COVID Relief ends. She also told me the forbearance will negatively impact my credit. 
If the COVID Relief mortgage forbearance is supposed to be for 180 days, why is my mortgage company only giving me 90-days? And why are they reporting negatively on my credit when the COVID Relief says they are not supposed to?

I am in good standing currently with no late payments ever with my mortgage company.
Product: Credit card

Please see the previous two complaints that you closed. AmEx LIED to you. They did not provide " monetary relief. '' Instead, This is a lie. Instead, as of today, they allowed the crooks from XXXX XXXX to reopen the Dispute. This is the FOURTH time this Dispute is reopened by AmEx. I wrote to them that " I will report this to the XXXX who you lied to several times. Also, I want you to stay in this motel and get infected with whatever they give to your customers -- XXXX, etc. You are disgusting. 
Not thanking you, XXXX XXXX ''
Product: Credit reporting or other personal consumer reports

I have previously disputed this item with Transunion, and XXXX which all came back saying verified and accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureaus for that matter ; therefore the original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. {$1600.00} ) and the information must be deleted immediately. ''
Product: Mortgage

I want to file a complaint regarding the harassment I am facing from one of the agents of Colonial Mortgage Service. I had contacted this company in XXXX and then in XX/XX/2021 in regard to refinancing my primary residence. Due to reasons beyond my control the refinancing was not approved by the XXXX XXXX. I contacted the same company few days back but when no one returned my inquiry I proceeded with another financial institution, with which I am currently working. The agent XXXX XXXX contacted me today and after learning that I had gone with another lender due to no response from his side he became very agitated and started yelling at me over the phone with the threatening tone followed by email to the same effect ( email copy attached ). Right after this I started receiving calls from a number of lending companies that I have never contacted for any kind of business - refinance or anything like that. I was told they were contacting me because they received my information for a need for loan. I have also received several emails of similar nature ( attached herewith ). I would like you to kindly investigate this company and the agent as they have access to all personal information for my family including drivers license, social security, banks that this agent seems to have shared without my permission. I am afraid that with this kind of access my finances, savings are not safe along with mine and my familys safety. This request is to review this complaint as an urgent matter given the gravity of this situation.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a distressing matter that I recently uncovered upon reviewing my credit report. On XX/XX/XXXX, I diligently obtained a copy of my credit report from XXXX, only to discover the presence of unauthorized hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were conducted without my explicit knowledge or consent, and I have absolutely no association with the entities responsible for initiating them. As a conscientious consumer, I make it a priority to regularly monitor my credit report to ensure its accuracy and to safeguard my financial stability.

I am hereby requesting the assistance of the Consumer Financial Protection Bureau in conducting a thorough investigation into this matter and subsequently rectifying it. I firmly believe that these unauthorized hard inquiries not only breach my privacy rights but also have the potential to adversely affect my credit score. 
More than XXXX  days ago, I filed a dispute with XXXX regarding these unauthorized inquiries. However, to my dismay, I have yet to receive any confirmation or acknowledgment of the dispute 's processing. Despite providing evidence of the dispute letter sent via Certified Mail ( Tracking Number : XXXX ), no tangible progress has been made in resolving this issue.

In light of the foregoing, I implore the Consumer Financial Protection Bureau to intervene and facilitate the prompt removal of these unauthorized inquiries from my credit report. It is imperative that this corrective action be taken to restore the accuracy of my credit information and to safeguard my financial standing.

Thank you for your attention to this matter. I eagerly await your prompt response and resolution of this issue.

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

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, CITIZENS ONE AUTO FI add a hard inquiry on my credit report per XXXX.

On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself. I'm not swayed that XXXX  efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX is reporting inaccurate information on XXXX. Per XXXX, reporting must be XXXX % accurate or the information must be deleted. 

( XXXX XXXX )
Product: Checking or savings account

i tried to open a bank account, and i tried to open an investment account with Chase Bank. Chase informed me that it would not open my account because i owed Chase money. However, i do not owe Chase money. I went in to the branch, and i also sent correspondence to Chase asking for documentation and evidence of this phantom debt. Chase refused to provide this, and Chase also refused to lift the restriction for my opening accounts. 

the Chase Private Client Banker who is my contact at Chase is XXXX XXXX, who works at the XXXX branch of Chase in XXXX XXXX, Florida. She was very rude and condescending and yelled at me, saying she refused to help me, and that she passed off my issue to her branch manager, who did not try to assist me either. i asked her if my money is at risk with Chase, she would not answer this question or my other questions. 

One other thing is that Chase opened and closed a secure banking account in my name without my knowledge or consent.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reported on my credit report regarding my Auto Loan account XXXXI have identified that late payments have been incorrectly reported, negatively affecting my credit score.

Under the **Fair Credit Reporting Act ( FCRA ) **, specifically **15 U.S. Code 1681i** ( correction of inaccurate information ) and **15 U.S. Code 1681s-2** ( responsibilities of information furnishers ), credit reporting agencies and information providers are required to ensure the maximum possible accuracy of credit reports and correct any errors in the data provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the credit bureaus to do a XXXX research of my credit report, they did but when i do my research i find that there are inconsistencies in the accounts reported to my personal credit file.in accordance with the fair credit reporting act XXXX  account numbers starting XXXX, XXXX, XXXX, ( XXXX, XXXX auth user I have asked to be removed from the following accounts since as auth user i am not responsible ) those accounts have violated my rights as states in 15.usc.1681 section 602A sec:2 also states a consumer reporting agency can not furnished a account without my written instructions
Product: Mortgage

I am currently applying for a mortgage with Bank of America. I have been working with a loan specialist for more than 6 weeks, since XX/XX/XXXX ( today is XX/XX/XXXX ), and have yet to receive any approval, approval with conditions, or denial. The bank is now also saying that my ratified purchase agreement is not sufficient. I have supplied documents many times, and documents supplied earlier in the process have had to be re-submitted several times due to the loan specialist not processing documentation. I have documentation of emails showing this pattern, as well as every piece of documentation I have submitted ( attached is one example ). I am about to lose the purchase contract on the house because the bank has taken so long to process the loan, and still can not give me a projected closing date or any other information regarding when this loan may be able to close. Should this loan not be completed by next week, I will no longer have an enforceable purchase contract ( too much time has elapsed ) and I will have to start over on a new mortgage and find a new house to buy before my lease is up. I have communicated with managers and higher-up personnel to try to resolve the issue, to no avail. Communication has been difficult with my loan specialist and I believe that my loan is not being taken seriously by the company and the people processing the loan due to my gender and the size of the loan. This has cost me money and massive amounts of my time, far beyond a normal mortgage process.
Product: Debt collection

XX/XX/2019 XXXX XXXX  1. Collector implying a delay in getting back to him after I requested to contact the original creditor to verify why debt came to collection, since payment plan was in place. 
2.Collector suggested to me to use one of my credit cards to pay off the medical bill that is in collection because I have a good credit. 
2. He threaten to report me to an agency for non-payment of a medical bill that I have a payment plan and have honored. 
3.Collector told me that I don't belong to the category of debtors to be paying such small amounts and also that I always pay all my other debts except the medical bill. 

XX/XX/2019 1.Collector declined my suggested payment amount and insisted on a different amount. 
2. Stated my call was being placed on hold because " he had to answer another call from someone that was paying him {$5000.00} '' No return call. 

Prior, repeated calls, voicemails and use of strong and pushing language.
Product: Student loan

Department of education ( dates opened : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, In the amounts of {$3500.00}, {$6000.00}, {$2300.00}, {$4000.00}, {$660.00}, {$4500.00}, {$6000.00}, {$3200.00}, {$4300.00} I would like to dispute effectively. In the court 15 U.S.C code 1681 A. Definitions Rules of Construction 2. Exclusions, and Sub paragraph B. States Authorizations or approvals on specific extension of credit are not included in the consumer report which means Student loans are authorizations and or an approval on an extension of credit and it shouldnt be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and theres fraudulent accounts and negative information currently listed on my Clarity Services Consumer Report. All the accounts and information currently listed on my Clarity Services Consumer Report is fraudulent, not my information and dont belong to me. I am a victim of identity theft. I was just released from prison and was incarcerated for the last 17 years. Review the attached document. Full Name : XXXX XXXX XXXX, DOB : XX/XX/1974, SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXme has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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

In accordance with the Fair Credit Reporting Account XXXX XXXX REC # XXXX Account XXXXXXXX XXXX # XXXX Account XXXX XXXX # XXXX Account XXXX XXXX # XXXX Account XXXX # XXXX Account XXXX # XXXX Account 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to refinance my home as I have a XXXX XXXX and want a G.I. loan. 
CFPB has done a great job of canceling loans I did not make. There were a few bad checks written on my old checking account which I am not on. 
I honestly do not know of any charges I owe that I do not pay. All of the three credit reporting companies have my credit rated in the low 600s. Equifax score of XXXX, XXXX  score of XXXX and XXXX XXXX score of XXXX. 
I can and do pay cash for everything I have except the home mortgage, I do have a good monthly payment for that loan.
Product: Credit reporting or other personal consumer reports

TransUnion RE : XXXX XXXX XXXX {$770.00} Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX High Balance {$770.00} Original Creditor XXXX XXXX XXXX XXXX Past Due {$770.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR COLLECTION< First and foremost, the CFPB prohibits reporting medical debt to a consumer credit report. This account should not be reported to my credit report and should be removed immediately. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe is inaccurate or incomplete. The law requires that, upon receiving a dispute, you must conduct a reasonable investigation into the claim.