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

I already have one open complaint with TCF National Bank. Case number : XXXX. This bank just transitioned to Huntington National Bank. On Friday my son ( XXXX XXXX ) and I had a appointment to open a new checking account per TXXXX 's instructions for case listed above. At arrival every thing was fine, we opened the new account and signed all paperwork, then time to fund the account and we were informed that my existing account that my direct deposit is paid to had a hold on the money with no explanation why. We requested the following : The account had XXXX total, we wanted to withdraw XXXX and transfer XXXX to the new account. We wanted to leave the account with a XXXX balance for the fact that there is an ongoing complaint filed with the FDIC and CFPB. The representative then returned to the office with a lady whom didn't identify her self. She stated that they may not be able to continue doing business with me because I filed a complaint against TCF and now known as Huntington National. After a very tense conversation between my son and the the lady. They advised us that there is a hold on my old checking account so the withdrawal and transfer could not happen. They requested that we return on Saturday to do the withdrawal and transfer. Saturday we show up and end up sitting there for 45 minutes just to be told by the manager that I still connot have access to my money. It is unacceptable that they are holding all of my funds from me but have allowed the wrong people to take over XXXX. I have no pending transactions nor any reason for them to hold my money
Product: Payday loan, title loan, or personal loan

I completed online loan inquiries and received a response from XXXX XXXX XXXX, phone number XXXX. When I contacted above number and was finished with the verification process they started talking about getting my credit card info for a verification and then I would be able to get loan. I asked why and he gave me a response that did not make sense. I told them I wanted to cancel application and they have my information so I don't know what to do. They sent me emails with XXXX XXXX XXXX names, information, and legit looking documents. When I called they answered with XXXX XXXX XXXX as  well. I don't know if this is legit XXXX XXXX XXXX but if it's not they have all my information from the verification process I did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been working with XXXX credit company for several years and they honestly do not care or want to help me. There's several bad address on my credit file that are fraud and 24 fraud accounts on my credit file with them, but no one will help me. I deal with the office of the consumer affairs sense theirs been so much fraud on my credit file. I have faxed them a new police report every year with fraud accounts and they never remove the fraud accounts no once. I contacted everyone of the banks that had fraud accounts of my credit file and they all said we have never received anything from XXXX, but we have gotten reports from XXXX   to remove the accounts asap. I'm attaching a new police report with fraud address and accounts on it. Next step will be legal. i want those accounts off my credit file asap and for them to keep the police report on file. The office of the consumer affairs want even let me dispute anything until i give them a ID and police report, I have given them my ID and police report several times and they keep losing it for some reason. Please help me. My bank loan on my house is being called in because of the fraud account showing on my credit file with XXXX. Everything has been removed from XXXX, XXXX several years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

records & noticed many information, accounts or items which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 

XXXX : XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2400.00} EQUIFAX : XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX : {$6400.00} XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX Balance : {$1300.00} XXXX : XXXX XXXX  Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2020 XXXX Date of Inquiry XX/XX/2020 XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT SHOULDN'T BE LISTED AS CHARGE OFF/COLLECTION WHEN THE BALANCE IS NOT CORRECT OR INFORMATION I HAVE NEVER OWNED THIS ACCOUNT WHICH ITS CLEAR ITS FRAUD OR SOMEONE SCAMMERS AND THESE PEOPLE REUIN PEOPLE LIVES AND THATS WHEN XXXX AND XXXX  DISABLITY COMES NOTHING WAS NEVER OWED ON THIS INACCURATE MADE UP ACCOUNT DELETE THIS INACCURATE INFORMATION PLEASE.
Product: Credit reporting or other personal consumer reports

Credit bureaus are suppose to report accurate and factual information. They can't just post accounts on consumers credit reports without actual proof to what they are posting. For Instance on my Equifax Credit report they are posting that XXXX XXXX with account number XXXX, that I was late on my payments to this company. I immediately ask for an investigation and I need Equifax to show me proof from XXXX XXXX that I was late on my payments. I was never late on my payments. Please provide me proof that I was late on my payments.
Product: Mortgage

The mortgage was originally opened in XX/XX/XXXX and was service released to Carrington Mortgage in XX/XX/XXXX. I heard of no issues during this transfer as all payments were automated. Once it got transferred over to Carrington i did not have visibility to the account and was not reporting on my credit report like it was supposed to. I faxed a letter into their research department that only communicates through fax or mail. It finally started showing up a couple weeks ago and it showed that it was 30 days late. Once in finally got portal access into Carrington the first payment reported was on XX/XX/XXXX, and then the next payment was shown for XX/XX/XXXX, but the next payment due date was for XX/XX/XXXX for twice the normal amount, and i noticed this on XX/XX/XXXX. There is some billing system error that needs to be corrected as everything should be current and ontime with the next payment being in XX/XX/XXXX. When i tried to contact Carrington to discuss this, the reps on the phone could not do anything and they just tell me to fax or mail in the dispute and wait. For this kind of error, i would hope they would be willing to work with the customer to fix it, since it is on their end.
Product: Credit card

They allowed a company to receive XXXX who Ive never heard of so I called the company that wise gave my money too who never heard of me so I asked wise bank to call them so I could get my money back but they're taking me through a lot of nonsense. It's been two weeks and I was told until I receive some form that I have to sign before they can do anything and it still could take until XXXX and no form yet
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to permanently limit my paypal account. I am using my paypal for my freelancing job since XXXX XXXX, 2021. 
My paypal account XXXX has a stucked funds worth more than XXXX that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds.

Thank you and Godbless.

For identity verification, I attached my valid ID. Please see attachment.
Product: Money transfer, virtual currency, or money service

I would like to be reimbursed for the transactions.
Product: Checking or savings account

Capital One bank decided to stop making their " XXXX Savings Account '' as well as a money market account and instead opened up their " Performance Savings Account '', in the process all the customers with the XXXX account had their interest rate set to match the children 's savings account rate of 0.30 % APY while new customers were given the rate of 3.30 % APY on the Performance accounts. They did not reach out to their longstanding existing customers to let them know of this change. So basically their prior basic account was downgraded and they are getting away with paying customers 11 times less interest for the same basic account that is now under a different name. The only difference between the old XXXX account and the new XXXX account is the interest rate. After speaking with a manager on XX/XX/23 ( after I noticed the massive discrepancy in interest rates ) I was told there is absolutely nothing they can do about back interest owed by them or about changing the interest rate of their own accounts ( that they have been steadily decreasing the interest rate on for years, even with loan interest rates at an all time high ). My only option is to open a new account, change all my direct deposit and payment information around, and write a letter to the office of the president ( that will most likely go in the trash upon receipt ).
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

on XX/XX/2016 XXXX paid off my balance to CHASE credit card. of $ XXXX.they, chase rep. confirm the payment and I owe no money to them.i keep getting bills from chase chase .keep insisting that I pay $ XXXX.my account remains open dispite the fact I told them to close it in XX/XX/XXXX ..their interest rate is too high../credit card number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XXXX My wife and I had mailed a dispute into Experian regarding the incorrect reporting of our mortgage loan. We had both mailed the same letter ( attached ). We each received notice that the information disputed wasn't valid and that we'd need to provide more detail and that it wasn't processed. Then a couple days after that, we received another notice stating that the dispute was completed, and the results stayed the same. 

We had both called Experian, with our mortgage lender on the phone, and indicated what our dispute was. The rep allegedly submitted a dispute stating that our mortgage was not a foreclosure. We received correspondence back from that stating again the creditor furnished correct information. The rep acknowledged that we still have ownership on the property. 

We both received our results stating that the original creditor verified the information as being correct. 

We called Experian again and the rep had indicated that the months in question shouldve been disputed and not the entire account. He further stated that the previous rep had disputed the entire account incorrectly. Again, we waited only to get the same results. 

The issue here is how Experian reports a borrower, where foreclosure may have started and/or was being reported during a trial period of a loan modification. In the months of XXXX, XXXX and XX/XX/2018, our mortgage was coded as an " XXXX '' which is the foreclosure status. This incorrect reporting is prohibiting us from being able to purchase a new home. We are being told that the automated underwriting system used, both through XXXX XXXX   and XXXX XXXX, are giving a denial since there is a foreclosure reporting on the credit report. The other two bureaus do not report the modification trial period as an XXXX. They each have reported a XXXX or being 120 days past due during those months. 

From my understanding via my lender and through self-research, Experian 's reporting is inaccurate. The home was never foreclosed upon. The status reporting shouldn't be that of a foreclosure or even pre-foreclosure which indicates that the home was sold before being foreclosed upon. This incorrect reporting should have been at XXXX for those months, which would alleviate my issues. 

Now I'm at a loss since we are in jeopardy of losing our newly built home to address our change in family size. We have a deposit on hand with them and have been trying to rectify this since XXXX which we stand to lose along with not having a place to live. The home in which this inaccuracy is reporting, which is under contract to be sold, almost XXXX years past this error.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I received an alert from Experian stating that I had received a new score alert which was a XXXX. It told me that my credit utilization was at XXXX percent. 
On XX/XX/2023 I get another alert from Experian stating that I have received a new alert score and have lost XXXX points. So I login to see what the issue was and my credit profile is exactly the same as XX/XX/2023. There were no changes to the accounts, The credit utilization is still at XXXX percent, there were no new late payments reported or anything.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX Subject : Complaint Regarding Inaccurate Late Payments Reported by TransUnion Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by your bureau. These late payments are erroneous and do not accurately reflect my payment history.

Nature of the Complaint : Inaccurate Reporting : The late payment listed on my credit report for XXXX XXXX is inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : The reporting practices violate the TILA, which mandates accurate reporting of credit information.

The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information and ensure maximum accuracy of consumer files. Additionally, the FCRA provides for civil liability under 15 USC 1681n and 1681o for willful and negligent noncompliance. 
Requested Resolution : I request that TransUnion conduct a thorough investigation and remove the inaccurate late payment for XXXX XXXX from my credit report. I expect written confirmation of the correction within 30 days of this complaint. Failure to resolve this matter may result in further action to protect my rights as a consumer under the FCRA.

Attachments : Copy of my credit report Copy of my government-issued ID Copy of my Social Security card Proof of address Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

It's saying the account is still opened. It shouldn't be. I paid my loans off within 2-3 months when it was supposed to be a year loan! I've tried to dispute and that doesn't work. It did tell me it would stay on my credit for 10 years. Then I also figured out this kind of loan is actually a bad loan to have on your credit report. Makes other creditors think you're risky. I don't know why it can't be removed! They got their money!
Product: Mortgage

My title company received a mortgage payoff that was dated XX/XX/2020 and they were told that we were closing on XX/XX/2020 but that made the payoff good through XX/XX/2020. On XX/XX/2020 and the revised payoff was requested after noticing that the one provided was less than 30 days and it was showing XXXX Payment not made. An email was sent to the payoff department, and we followed up on XX/XX/2020 and on XX/XX/2020 and on XX/XX/2020. 

We close per contract, so not to default on the Sellers side of the transaction, we have been told by the servicer that they don't care when we are closing, they are 10 days behind on payoff and we just have to wait. 

I called again on Monday XX/XX/2020 and I asked we could just wire the payoff that showed XXXX not paid and they could refund the overages because we did not want the servicer to keep charging the XXXX per diem. 

I was told it did matter, I should have ordered my payoff 20 days prior to closing. I need your help, I am paying additional interest, due to the servicer lacking manpower to process an interest-only payoff. My funds are in escrow since Friday XXXX, 2020.
Product: Debt collection

On XX/XX/XXXX a representative from Asset Recovery Solutions left a voicemail at work that is not private. 

The representative knew they were calling a place of employment. 
They did not know if they had the correct voicemail box or not. 
They did not know who could or would listen to the voicemail. 

They knew it was possible that 1 ) someone else could access the voicemail or 2 )  someone could overhear what the message was about. 
Based on the information above they knew it was more than likely NOT a private voicemail and there was a reasonable likelihood that my employer or coworkers could access the message or listen to it. 

Yet they went ahead and disclosed in the message my name and that it was about a debt. 

The transcript is below. 

hello this is a message for XXXX XXXX if weve reached the wrong number for this person of please hang up or disconnect if you are XXXX XXXX please continue to listen to this message. 
XXXX XXXX you should not listen to this message so other people can hear it hear it as it contains personal and private information This is XXXX XXXX from asset recovery solutions this is an attempt to collect a debt by a debt collector Any information obtained is for that purpose please contact me about an important matter at XXXX thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of account : XXXX XXXX XXXX XXXX : {$3600.00}.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX
Product: Debt collection

I am XXXX XXXX XXXX woman who is handicapped with a brain injury. I used to use XXXX for medical needs. I switched at end of XXXX to XXXX. XXXX never billed me but sent bills directly to a collection agency ( some for as little as {$5.00} ). My husband has sent XXXX emails to novant and to the CEO of XXXX which has the collection. I have insurance through my husband. He has insurance from collective bargaining under the anationak XXXX XXXX and XXXX XXXX. XXXX is self insured under guidance of XXXX. XXXX XXXX and XXXX XXXX XXXX Texas administers the plan and has a contract with XXXX
Product: Mortgage

About two years ago I applied for a HAMP modification ( for my mortgage ), working with a credit counselor.Eventually I was approved .After that, I was told by credit counselor to apply for a XXXX for my second lien, ( Equity line of credit ) .They use the same paperwork.My second lien was from another banking institution then the first. The credit counselor sent me a copy of the government book with all information. We conference called that institution several times. Constantly getting the run around.Everybody had a different story of how the program worked. Every time we called we spent hours on the phone XXXX story after another. Most of the time they were just rude.It came down to my payment had to be over {$100.00}, it was short by {$4.00}, so they deny it. Was told to wait until rate went up to reapply. In turn my payment would increase qualifying me. The rate increased, my payment went up and I called the credit counselor. Again, we conference called the institution to let them know I should now qualify. Round and round we went. The credit counselor and I both kept records of all calls and different information we received .Once the intial call was put into the institution I started receiving a call about every other day from institution that they had phoned in error between XXXX XXXX & XXXX XXXX for about 4 weeks.Always, while I was at work like everybody else. When we called back they said that on my record they tried to reach out to me several times and did n't answer the phone. I explained I work during the day just as they do and the message said in error? Now they say have to be assigned a case manager and can proceed in XXXX through her.Months of the lies and stories. Set up appointment with her on XXXX XXXX, 2016 XXXX XXXX. XXXX XXXX a lady calls and says she is calling on behalf of case manager. I explain that I have a appointment set up for the XXXX at XXXX conference credit counselor and I and case manager. They never call Monday the XXXX. Credit counselor sends information to HAMP escalations team for a response and help.Now the story is I ca n't be reviewed again.I have read the handbook over and over, it says nothing about this criteria. I believe the credit counselor is aware of criteria and we have following all the guidelines.Just XXXX roadblock after another. Conflicting information.Through our calls several banking persons said I did qualify. I believe this institution is just wasting time so people give up because of the hassle.The modification before this, we ran into similar results in the beginning but finally reach a person to help.I have so much more of info. but trying to keep it brief. Thanks
Product: Checking or savings account

Iam writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits this issue aligns with the recent CFPB findings shading Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.