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

XXXX XXXX Certificate of Savings Deposit for my XXXX children in XXXX and XXXX at XXXX XXXX XXXX on XXXX XXXX XXXX in XXXX, PA XXXX. XXXX XXXX Bank was bought out on XXXX XXXX, XXXX by XXXX Bank ; on XXXX XXXX XXXX XXXX was bought out by XXXX XXXX XXXX Bank ; on XXXX XXXX XXXX XXXX XXXX XXXX XXXX was bought out by Wachovia Bank ; on XXXX XXXX, XXXX Wachovia Bank was bought out by Wells Fargo. While going through my paperwork I came across the Certificate of Savings Deposits. They have never been cashed. I never received a notice of forfeiture of money if not chased by a specific date. During the banks buy out no one ever contacted me or my children about the Certificate of Savings Deposits. I have contacted XXXX different Wells Fargo Banks, XXXX in XXXX and XXXX in XXXX. They give me the same line. We have no records after 7 years and there is on funds. I understand they have a dormant fund. The bank has never even informed me about this fund. We are not talking about XXXX dollars here. I just want my children to receive the money that they are entitled too. Please, I would appreciate any help. Thank you
Product: Mortgage

The company had sent multiple notifications of insufficient insurance to cover the home and that they would be seeking to purchase additional insurance. I have provided proof of sufficient insurance on several occasions, both in XXXX of 2021 and XXXX of 2021. As the location is a condominium/townhome the coverage requirement is divided between the HOA and the homeowner ( " XXXX XXXX XXXX '' ). Despite being told over the phone that this error would be corrected in records and no further action will be needed, multiple letters have been received threatening the purchase of this additional insurance. 

During each phone conversation with the company confirmation of the call has been requested and the homeowner has been told by the company that no such confirmations exist. Additionally, despite receiving 'Employee IDs ' and 'Interaction Numbers ' from phone calls, company representatives deny the existence of previous calls. They claim this to be " For security reasons '' which is a blatant lie under any relevant information security standard. Additionally, the coordination between organizational departments results in a days-long process of contact at unknown times which provides untenable coordination for a working adult. 

At the time of this complaint these letters are perceived as a combination of harassment and extortion as the option to refinance with another organization is prohibitively expensive to the Veteran.
Product: Mortgage

In XXXX, I agreed to a loan modification with BAC that required both trial payments and a long term 40 years mortgage. As part of the loan modification, I agreed to a balloon payment in excess of {$100000.00} that created a negative equity at my owner occupied residence. Another serious issue is that my credit is adversely affected by the negative equity caused by a 40 year mortgage with a $ XXXX balloon payment. 
I was recently denied assistance by Keep Your Home California program on the basis of a recent denial by BAC that I believe to be random, punitive and arbitrary. 
My complaints are as follows : 1. I was never provided any disclosure prior to executing a loan modification with BAC that a 40 year mortgage with a $ XXXX balloon payment would severely damage my credit for 40 years on the basis that I am ( and will continue to be ) underwater with negative equity. 
2. I was randomly denied a second loan modification and principal loan reduction after I provided my account representative, XXXX XXXX ( Customer Service MGR XXXX ) with an updated Profit and Loss that met the criteria by both BAC and California 3. On XXXX XXXX, XXXX I was instructed by XXXX XXXX to remove a cease and desist letter from my file and after I informed her that no such letter existed, she became rude, unprofessional and closed my file. 
4. After XXXX XXXX at BAC closed my file for mortgage assistance, including, but not limited to loan modification file, I was immediately informed by XXXX XXXX from Keep Your Home California " bad news that BAC had closed my file, refused to participate in her program to lower the loan principal '' and that XXXX XXXX could not give a reason and that she was also surprised, she also indicated that most of the time she has good news but not in this instance ''. 
5. On the basis of my negative equity I am being harassed by short sale agents.
Product: Checking or savings account

I have had money taken out of my business banking acct with chase bank under the heading of it being a payment to XXXX   phone bill cor the last 7 years I know about and have the web I'd # the person ls using to do this with. I estimate over the last several years they have taken close to {$5000.00} min every year and withdraw sometimes 2 or 3 times  every month need help recouping my money from chase or XXXX
Product: Credit reporting or other personal consumer reports

I have been trying to submit my XXXX  request online, but every time I try to press submit the entire page freezes. I have tried so many times that now my account is locked. Please remove this information as it is a result of XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX VA XXXX XX/XX/2024 INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/2024 XXXX  XXXX XXXX XXXX XX/XX/2024XX/XX/year>
Product: Credit reporting or other personal consumer reports

I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing. 

Late Payment XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX AFFIRM XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION credit report XX/XX/21 File number XXXX has addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX 2 times as same address There is no reason to have 2 of the same addresses of the same
Product: Checking or savings account

On XX/XX/XXXX noticed a {$540.00} over draft charge on my navy federal account called the bank inform them of my XXXX  issues having a XXXX and a XXXX on XXXX  XXXX. Pay the balance off and settle the balance and shortly thereafter in 3 days my account was overdrawn back to {$470.00} dollars due to return checks i have paused. Payed off the balance on XX/XX/XXXX and this keeps recurring and now my account is suspended and at 56 days to be closed even when i called and have trying to asked for no more charges to my account and my XXXX XXXX. Money has been taken from my account without my knowledge and it wasnt fixed nor returned.. my account always back to {$540.00} constantly
Product: Credit reporting or other personal consumer reports

I couldn't stress enough how important my credit score is to me, it's almost been a year that I have been trying to fix errors reported on my credit report. These errors caused detrimental effects on my financial freedom and my overall well being.
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 Equifax and XXXX credit bureaus must validate this account 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 account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

I was contacted in XXXX 2019 to pay {$220.00} on a {$300.00} credit limit because the card had been closed. 

I paid the amount and it was still sent to collection as a charge off in XX/XX/2019. 

I have contacted Synchorony Bank and the collection agency and it has not been updated
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordence with Fair Credit Reporting Act, everything has to be 1000 % accurately reflecting in a credit report. 
But that is not the case here. I have sent sevaral certified mail to all credit reporting agencies. Please see attached receipt for record. 
The credit reporting agency stated that my accountss have been investigated but how is it possible that account holder is not accurate reporte, Last updated amount is not accurate also, original balance is not acurate, past due amount is not accurate in many case, paid off amount is not accurate, account type is not accurate, original creditor is not accurate, and many other inaccuracies in my report. This grounds for removal they also have violated my rights under 15 U.S.C. 1681 602 ( b ) states I have right to privacy.

15 U.S.C. 1681 604 ( b ) Section 2 states that consumer reporting agency can not furnish a consumer report without my written permission.

These are the accounts that must be removed- 1. Account Name : XXXX XXXX Account number XXXX XXXX. Account Name : XXXX Account number XXXX
Product: Debt collection

XX/XX/2018 I sent out a certified letter to Designed Receivable Solutions which stated to verify the debt that they're claiming to belong to me. I also informed them that while they're given 30 days to have the original documents stated in the letter they are not to make any changes, pull or update my credit. They did it anyway and hurt my changes of getting any credit. NO RESPONSE from the company but they made changes to my account when I specifically told them not to. That alone broke the rules of my rights under federal collection laws. XX/XX/2018 I contacted the company again via certified letter stating the same request. They still haven't responded. and yet they continue to damage my credit this company stated that I owe XXXX that went up to XXXX, with no original documents and no responses.
Product: Consumer Loan

I had a auto loan with bank of America in which we agreed on a payment to close the account out after they sold the vehicle at a auction. they also stated if payment was made in go faith they would delete this item from all three credit bureaus I made the payment as agreed and this item is still reporting on all XXXX credit files. I contacted them and disputed several time but no success.
Product: Credit reporting

There is an entry on my credit report that states that I owe the Department of Veterans Affairs {$3100.00}. This account has been paid in full. I am submitting documentation that will show that not only has the account not been reported correctly for several months, but in fact that I no longer have a balance on this account. The entry from the VA needs to either be updated properly or deleted from my credit report. This account has been disputed several times and each time the Department of Veterans Affairs has verified the information as correct when each time payments had been made that reduced the balance. There had even been documentation submitted which proved the balance was incorrect. 

The attached documents are : Letter from the VA to my congressman verifying that the actual amount I owed at the time was {$1800.00} ; receipts from the VA that show a total amount paid of {$1800.00} and XXXX letters from the VA which show that the account is Paid in Full and that I should not send any additional payments.
Product: Checking or savings account

In XXXX a cousin tried to send me By XXXX {$500.00}, to my Capital One account, and the bank blocked my accounts ( saving and checking ), I called and they unblocked them The same happened again and when I contacted the bank by phone they informed me they decided to close my accounts. They don't give me a reason, and that makes me feel bad because I know that I haven't done anything wrong, that makes me feel like a criminal by preventing me from moving my accounts and even communicating with them ( if I want to follow up on the matter, I have to go personally to the offices because they don't even answer my calls because my accounts have a 'problem ', and I can't do anything through the bank 's app either ). A month ago I went to the offices and the person who assisted me could not give me any more response than that " they were investigating the case '' that they Dont have a time for answer, it has been 2 months and nothing has happened. If they, for whatever reason, do not want me as a client, that is fine, they are within their rights ; but I am within my right to receive the money that belongs to me. What they are doing seems very unfair to me. The representative told me that when I closed the account within 10 business days I would receive a check with the amount in my accounts and it has been 2 months, I have needs to attend to. I hope you can help me.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX
Product: Checking or savings account

On XX/XX/2021 my posted balance was {$1000.00}. On XX/XX/2021 7 transactions cleared totaling {$250.00} left a posted balance of {$780.00} but they charge me an overdraft fee of {$36.00} for each transaction totaling {$250.00} leaving a posted balance of {$530.00}. 
On XX/XX/2021 They refunded on overdraft fee of {$36.00}. Then at transaction of {$1.00} cleared, then a transaction of {$320.00} cleared, then a transaction of {$760.00} cleared and they charged me a {$36.00} overdraft fee for that transaction because it caused my account to go negative $ XXXX. 

On XX/XX/2021 my account was not negative, but they charged me the late fees. They told me it was because they added up all the pending transactions and it made me negative even though they didn't clear and was just pending. They didn't charge me the fees the following day on the other two transactions. 

Now that BB & T is Truist it's ripping people off. I have been told they will do nothing about it because the computer program makes all the decisions.
Product: Vehicle loan or lease

My husband and I explained to Ally Financial, our current Auto Finance Company that we were currently having financial issues with both of our vehicles financed through their company due to Covid 19 Pandemic hours being cut at my work and my husband 's work, layoff. Ally Financial refused to listen or cared to work out a rebill or lower our interest rates in hopes of lowering our auto monthly payments for a XXXX XXXX and XXXX XXXX XXXX XXXX. They refused to listen to us. My husband had XXXX  and my job hours were cut. We really need help from Ally to assist in a payment plan to lower our auto payments in order to keep our vehicles, but instead, Ally Financial has refused to offer any Covic programs to help us. No one ask for this Pandemic! Auto and credit card companies should be more sympathetic or at least pretend to care to help individuals like us during this serious crisis.
Product: Checking or savings account

Capital One 360 charged off my account in less days than what is stated in my agreement. I made 2 deposit within that time and attempted to make the last deposit to satisfy the negative amount. 

This is end-year consumer manipulation used as a way to cancel Capital One 360 old agreements and place account holders under new agreements that is more profitable for the company.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 

Thank you for your prompt attention to this matter.
Product: Consumer Loan

my capital auto loan is being hacked for the second time not allowing my automatic deduction to come out of my XXXX checking account what kind of online security does capital one have it seems to be the worst around. now my auto loan is going to show a late payment because they have the poor cyber security
Product: Vehicle loan or lease

I suffered a total loss on a vehicle. TD Auto told me my balance once my primary insurance paid them would be covered by GAP. I asked if I needed to do anything else and was told no. Only to find out somehow the GAP was denied and now my credit report is showing Im delinquent for a year on a car that at the start of that year was not a factor because it had been totaled out and paid by insurance.
Product: Mortgage

When my husband died, I went to XXXX XXXX, took classes and the whole nine yards. After all said and done I was happy this was in XXXX. House payment was {$500.00} mo. PNC ( National City Bank ), during their transition I got lost in the paper, I could never talk to anyone about my loan or get any information, even my tax preparer tried to get information. Since XXXX until XXXX XXXX, XXXX, I had not heard a word from PNC! Now here I have, I am on XXXX and getting ready to get out of a house that I have tried to keep since XXXX! 
Please help if you can. 
Contact me for more information, I have a folder full of information with Names, Times, Dates, Telephone Numbers of the people I have tried to contact. Information I did received, then the went cold until I received a letter XXXX/XXXX/XXXX. 
Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is currently being reported inaccurately on my Experian credit report. 

The company has sent me multiple inaccuracies, worng Date of last activity Inaccurate last date of payment Inaccurate payment history Inaccurate past due balance Account is in Violation of FCRA rules section 1689.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/2020 Dear Sir or Maam, I am taking this time to write you in reference to updating my personal information with your company. 

Please update my address in your records to the address listed below : XXXX XXXX XXXX XXXX XXXX, PA XXXX Please update to my full legal name : XXXX XXXX XXXX This is the only SSN attached to my name : My only correct date of birth is : Please remove all phone numbers on my credit report. 

Please remove all the other addresses off of my credit report as I am a Victim of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX ( Remove ) The post office will not be able to deliver to inaccurate addresses per Fair Credit Reporting Act since they are not accurate. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Debt collection

They ( Property Receivables corp ) have sent me a bill out of the blue at the same time reporting negative information to the credit bureaus. 

Copy of my email to them is below ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ..... 

Attn : XXXX XXXX Good day - I received an invoice from your office on behalf of XXXX XXXX XXXX XXXXXXXX which says I owe a balance {$1800.00} which I am disputing. 

When I moved out of XXXX XXXX XXXX XXXXXXXX I left the unit in good condition with no balance due or any damages to the unit so please explain to me why I am being charged for new paint, new carpet, and other various misc charges along with the final Minol utility bill of {$3.00}, which I paid in full directly to XXXX XXXX on the XXXX XX/XX/2023. 

Since you are asking me to pay for all of these charges, I am requesting for proof along with all the receipts and explanations of each charge you are saying I owe. 

In addition, I never received an invoice directly from XXXX XXXX XXXX XXXX  saying I that owe anything and you have sent me a bill simultaneously reporting this negative information to the credit bureaus without allowing me any reasonable amount of time to even begin to resolve or dispute these charges so I am requesting you to immediately remove all the negative information that you have reported to all of the credit bureaus. 

I will be looking forward to hearing back from you within the next 30 days. 

Sincerely- XXXX XXXX ( he/him )
Product: Mortgage

I took out a loan in XXXX which was sold to XXXX XXXX and apparently paid off in XXXX. This new servicing company called Select Portfolio Servicing , Inc. ( SPS ) is again attempting to collect on a paid off loan. I have sent them the attached information and they have failed to reply.
Product: Vehicle loan or lease

I cosigned for a vehicle for my roommate. He had a good paying job and I was taking him back and forth to work. He was turning his life around and tried to assist him by helping him build his credit and assisting him in getting a vehicle. He had occasional trouble paying but I would help him when I was alerted of the trouble. 

My roommate moved in with his girlfriend and I thought he was making payments. Then one day I woke up to a call from my former roommate that his car was gone. It had been repossessed. I called XXXX XXXX XXXX in XX/XX/2017 to ask what had happened as I had never been alerted to any late payments or a pending repossession. I let them know that if I had been alerted I would have made the payments. They did not create a plan for me to get the vehicle back, only kept repeating " You should have made the payments. '' I was alerted that I needed to go to a hearing on this matter. It turns out that they could not find my former roommate so they were going to make me responsible for the entire remaining principal debt after resale of the car ( {$14000.00} ), attorney 's fees ( {$750.00} ) plus cost ( {$430.00} ), and pre judgement interest ( {$370.00} ) totaling {$15000.00}. 

I do not feel that I am responsible for this debt as I tried to make arrangements with them to make payments. I also feel that I should have been alerted when the account was in jeopardy. Finally, If anyone is to be responsible for these payments I feel it should be the primary borrower. The only reason the court said I am responsible is because I was a good citizen and showed up. Since they can't find the primary ( even though I told them where he was XXXX they said I am fully responsible for the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information and accurate credit reporting