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

On numerous occasions since opening a checking account in XXXX, SunTrust Bank changes the manner in which they manage your checking account so they can pad your account with fees. I most recently ( XX/XX/XXXX ), had a situation where my money covered everything that came through, yet they used their ATM fee to charge me a {$36.00} fee. I was told that they would not reimburse and came up with a new excuse. In addition, if you have overdraft, they will attempt to pull from it, even if you have nothing in your savings, then charge an additional fee for trying to pull from that account. I am on the phone with the bank almost every 2 weeks for some problem, and there is always a new excuse. I have never dealt with a bank that caused so much aggravation. I will be discontinuing my relationship with them. The online banking is horrendous and never accurate. They have a new answer for every incident. First, they say checks do not so there is no way to resolve any overages to avoid fees, yet a check I wrote was showing as pending yesterday. Again, I believe that they are padding accounts.
Product: Mortgage

For over two months, we have submitted repeated requests to SLS to remove the PMI from our property due to : ( a ) significant and substantial renovations of our property ; and ( b ) the imminent opening of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX station which will be just three blocks from this home and connect directly to XXXX  DC and XXXX XXXX XXXX. They asked us to submit a form authorizing an internal valuation which we promptly faxed to them, and they acknowledged receipt of on XX/XX/XXXX. We followed up again and received written confirmation on XX/XX/XXXX that an appraisal had been ordered and would be completed within 15 business days. However, they keep ghosting us or providing inconsistent timelines or information. It appears as if they are not adhering to their obligations under Federal regulations to reassess the necessity of PMI when a property has had significant renovations. These renovations have included new flooring, new appliances ( dishwasher, range, refrigerator, microwave, washer, and dryer ), a new water heater, new light fixtures, dimmable WiFi switches throughout the home, new vents, new ceiling fans, among other substantial improvements.
Product: Credit reporting, credit repair services, or other personal consumer reports

please review my letters cause the last time i sent you your dispute you said you did not understand it.
Product: Debt collection

The collection agency got a judgement against me dated XX/XX/XXXX for a {>= $1,000,000}. I disputed debt and asked for proof on the phone back with them XXXX. I told them to stop calling me and I haven't heard from them until now. I got a letter on XX/XX/XXXX for pending income execution for {$24000.00} including interest and poundage from the XXXX XXXX Sheriff for this debt that was never validated by the collection agency UNIFUND CCR LLC. I reached out to the Attorney listed and they gave no information and have not called me back XXXX XXXX XXXX XXXX XXXX in XXXX NY ). The XXXX letter states that I have 20 days to respond to them which is XX/XX/XXXX before the demand payments from my job. I spoke to the over the phone and they said they won't do anything before XX/XX/XXXX because the letters weren't mailed right away. 
I'm fearful that I will get my pay garnished for a something I don't owe this collection agency. 
Any assistance you can offer would be greatly appreciated '
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and either remove it or at least send me the information UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION US SM BUS ADMIN ODA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX CARMEL FINAN XX/XX/XXXX
Product: Debt collection

I previously filed a complaint with CFPB against Creditor, I.Q. Data International , Inc. in Complaint No. XXXX. Creditor made materially false statements to the CFPB in its response. 

In its response, Creditor states : " The final account statement reflects XXXX XXXX is not being charged for any lease break fees .... '' As is evidenced by the last page of the Debt Validation Letter sent by XXXX XXXX XXXX XXXX XX/XX/2023, I am clearly being charged for a lease break fee in the current amount of {$2600.00}. This constitutes a materially false statement by Creditor to a federal bureau.
Product: Checking or savings account

My XXXX XXXX XXXX daughter and I are currently displaced from our home due to mold and damage inside my home from weather conditions that occurred on XX/XX/XXXX. On XX/XX/XXXX, a check in the amount of {$7800.00} from my insurance company was deposited into my checking account. The deposit was approved the same day and a 2 day business hold was placed on the check. Before the 2 days were up I received another email stating there was an additional hold placed on the check for 5 days. I called in to NFCU to get clarification and was pretty much told my check was looked at as Fraud. I called my insurance company and the Treasurer verified the funds had cleared the account. I then contacted NFCU and requested a supervisor, I was passed off to 2-3 supervisors until the final supervisor stepped in and took responsibility of the issue, the supervisor contacted my insurance company and a email with the cleared check was sent over verifying the funds, afterwards the supervisor made sure the hold was lifted, and my funds then became available for to take care of the repairs for my home. NFCU also gave me {$100.00} credit apologizing for the inconvenience stating they were sorry that my check was looked at as Fraud. 
Moving forward to XX/XX/XXXX, the final check for my home renovation in the amount of {$7900.00} was deposited into my account and I received the email that the deposit was approved with a two day business hold. I called in to NFCU on XX/XX/XXXX and was told funds would be available XX/XX/XXXX between XXXX XXXX & XXXX XXXX. The funds were deposited after XXXX XXXX  so I made a payment to my gas company and was set to pick up materials at XXXX XXXX. NFCU, took the money back out of my account at XXXX XXXX then sent an email stating there will be an additional hold of 5 days. I immediately called NFCU and was told security was the reason for their actions. I called and spoke with at least 4 supervisors and was told the last supervisor that helped you Wont be able to assist you again so pretty much to stop calling. On XX/XX/XXXX, I contacted my insurance company to verify the funds cleared and was notified by the Treasurer of my insurance company the funds cleared on XX/XX/XXXX. I then called NFCU and spoke with another rep that attempted to help after I explained I have to check out my hotel on XX/XX/XXXX, and my home still has mold and the materials that were on hold for me would be lost. The rep suggested I call my insurance company and get the treasurer on the line while he attempted to get a supervisor back on the line. Once I got my insurance company on the line and the NFCU supervisor and my insurance company verified the funds were debited from the account on XX/XX/XXXX, the supervisor stated okay were still going to hold the money At this point I feel Im being discriminated against. NFCU has treated me like a criminal with their Unethical and Unprofessional practices. I will escalate this matter to the fullest extent.
Product: Debt collection

In 2012 i applied for a HAFA short sale with the primary mortgage holder and Franklin Credit Management the primary mortgage holder approved the short sale, a couple of months go by and Franklin Credit would not give an answer at that time the potential buyer pulled out. The house then went into strict foreclosure XXXX XXXX with a law end date of XXXX XXXX. I have experienced what seems to me as harassment from Franklin Credit Management Corporation. Franklin credit has not been showing up on my credit report however I received a letter in the mail stating the amount that was old as well as well as a certified letter on XX/XX/XXXX giving me 30 days to contact them. On XX/XX/XXXX they sent someone to my home two deliver a letter to me stating to contact them with their phone number in that letter. I am asking for your assistance as soon as possible with any help you can provide me.
Product: Debt collection

I was sent bills for imaging while working out these bills with my insurance I received a final notice. I paid this bill immediately with the original biller. The next month a collections is posted to my credit for {$0.00}, with an " original balance '' of {$51.00} dollars. I was never contacted by Stallings Financial Group, I have never received a collections notice, and I have a receipt that I submitted showing it was paid before they claim the account was opened. All my credit reports except XXXX have removed it. 

Stallings Financial has failed to provide me or the CFPB with a copy of the letters that I never received. They report that my account was not paid until XX/XX/XXXX, it was paid XX/XX/XXXX, and it reports that there was an active balance of {$51.00} dollars when there was no active balance prior to it being placed in my credit. 

They claim they have followed FDCPA and FCRA XXXX regulations, and have failed to provide documentation of letters meeting these guidelines prior to placing this item in my credit. 

They also reported that I was affected by a natural disaster to my credit report. I was not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax back in XXXX XXXX. Regarding the misinformation XXXX XXXX is reporting on my credit report. I also sent proof to Equifax that my XXXX XXXX account went into payment default back in XXXX XXXX never regaining a current status. Until the account chargedoff in XXXX XXXX. The account has now passed its 7 year mark and needs to be deleted. XXXX XXXX XXXX is reporting that a payment was made in XXXX XXXX after the chargeoff date. I sent Equifax proof from XXXX XXXX, that payment was a refund check sent from the dealer. Not the account holder as they are reporting. Equifax has failed to investigate this matter accurately. Even after sending them proof of the inaccurate information being reported.
Product: Credit card or prepaid card

Received a text message about an hour ago to login to my Citibank account. 

Logged into Citibank and found that I had a 50 day old bill due for an annual fee of {$95.00} for a card I don't use anymore - didn't receive any calls, other texts, or emails related to this. 

Called Citibank twice to get a CSR ( likely from a call center in XXXX ) and I told him that I never received these statements - looked in Spam folder, and all Citibank emails were being sent to Spam folder. I told him that I wanted to cancel my card because I didn't want to pay the {$95.00} annual fee since I no longer use this card. He processes the cancellation and then says I am still on the line for the {$95.00} ; however, it will be prorated. I ask him how much it will be, but he said he couldn't tell me because the system generates this. I ask to speak with his manager, I wait 5 minutes, and he says the there isn't one available and hangs up on me. 

I call Citibank again and speak to someone who sounds like they're based in the states. The CSR tells me immediately she'll try to get ahold of someone who can resolve this and tell me how much I owe. I want 25 minutes for her to find someone ( one of them was a colleague, again based out of XXXX, who said he can not help because this is a Business account ). She finally patches me through to someone in Customer Service who says since I'm outside of the 60-day window, I have to pay the entire {$95.00} as the system will not allow a credit and that they got rid of pro-rating annual fees entirely some time ago.
Product: Credit card

I used my Chase Freedom card with XXXX to make an in-app purchase on my phone. At no point was I warned that the purchase would be considered a XXXX XXXX if I used my Chase card. At no point did these fees appear in my XXXX transactions. I continued to use this method of purchase for small transactions multiple times with no correspondence from Chase notifying me of this unusual behavior causing my account to rack up with {$10.00} fees per transaction. 

I called and explained the situation to customer service. I am a long-time Chase customer and have never had any issues with delinquency or anything on my account. I notified the agent that I would not have used my Chase card had I known about these fees. And I certainly would not have continued to use the card consecutively across a handful of days knowing I was being charged this fee. 

In total, I was charged {$10.00} on XXXX separate occasions resulting in {$80.00} in fees on just over {$500.00} in charges. The representative advised that he would be reversing all XXXX fees and the {$80.00} in total. I thanked him for understanding and then he hung up on me without offering to answer any other questions. I received XXXX fee reversal of {$10.00} and no further correspondence about his inability to reverse the remaining {$70.00} worth of fees. I called back to check status of said reversals and a different representative advised that they were declined. When I asked him to escalate since I was informed he could not get the fees reversed he said nothing was possible, he has full decision making authority on this request. I advised that I will no longer be using this Chase account he said he understood and that there is nothing he can do. A shameful example of customer service for a cardholder in good standing for over XXXX  years.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, authorized this dispute to address multiple violations of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. These violations have caused significant harm and necessitate immediate corrective action. Below is a summary of what transpired : Willful Noncompliance ( FCRA Section 616 ) Credit information about me was accepted and reported without proper verification of its accuracy. This constitutes willful noncompliance, which is subject to civil liability of up to {$1000.00} per violation.

Failure to Disclose Opt-Out Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) My right to opt out of sharing personal information was not disclosed, violating my consumer rights and engaging in deceptive practices.

Furnishing Deceptive Information ( FCRA Section 623 ( a ) ( 3 ) ) Inaccurate inquiries and accounts were furnished to credit reporting agencies without proper validatio
n, violating industry standards and misleading creditors and consumers alike.

Violations of the Debt Collection Practices Act ( 15 USC 1692 ) Debt collectors reported inaccurate debts and accounts, leading to harassment and unnecessary distress.

Unauthorized Disclosure of Debt Information Debt collectors improperly disclosed my debt information to third parties, violating location information regulations.

Reporting of " Late Payments '' Without Proper Definition Inaccurate and deceptive late payment entries were added to my credit report without clarifying what constitutes a " late payment. '' Failure to Accurately Determine Finance Charges Obligated finance charges were reported inaccurately, further damaging the integrity of my credit report.

Violation of Permissible Purposes for Credit Reporting ( FCRA Section 604 ) My information was included in credit reports without obtaining my explicit written consent, violating permissible purpose guidelines. 

I also identified specific entries from entities such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that reflect unauthorized accounts, unverified debts, and inaccurate reporting. For each, I have requested validation under 15 USC 1692g and deletion of unverifiable or incorrect entries, citing precedents like Wenger v. Trans Union Corp.

This situation has had serious repercussions on my creditworthiness, financial opportunities, and overall peace of mind. Therefore, I have demanded : Removal of unauthorized and inaccurate accounts.

Validation of all alleged debts, including original applications, contracts, or agreements.

Corrections to deceptive or misleading entries.

I expect immediate compliance with these requests. Failure to address these violations may compel me to pursue legal remedies under applicable laws.
Product: Credit reporting or other personal consumer reports

listed below are account that have violated my federally protected consumer rights to privacy and confidentiality under 15 Usc1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX i looked at experian credit report on XXXX XXXX and noticed some things are incomplete and inaccurate.and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure minimum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) A
Product: Credit reporting, credit repair services, or other personal consumer reports

My was Credit report pulled without my Authorization, the companies are listed below, along with the dates and their phone numbers. 

XXXX XXXX XXXX Experian - XXXX Phone XXXXXXXX XXXX XXXX  Experian - XXXX Phone XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX Phone XXXX XXXX - Experian - XXXX - Phone XXXX XXXX  XXXX XXXX - Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Phone XXXX XXXX XXXX XXXX - XXXX Phone XXXX XXXX XXXX  XXXX XXXX XXXX Phone XXXX XXXX XXXX XXXX XXXX XXXXXXXX & XXXX Phone XXXX XXXX XXXX XXXX XXXX - XXXX Phone XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX & XXXX Phone XXXX
Product: Mortgage

Please refer to my previous acceptance in XXXX, XXXX of the retention program as amended in the SLS response to my complaints to Consumer Financial Protection Bureau ( CFPB ) ; that is without a balloon amount of about {$380000.00} ( See Appendix A attached ). SLS had corrected The term of the loan was extended to XXXX ( 480 months ), with an interest of 2.875 %.

The current retention approval ( Appendix B-Page 10 ) has re-introduced the balloon amount of {$380000.00} contrary to Appendix A attached as advised to CFPB. The purpose of the retention program is to capitalize the arrears of about {$100000.00} and reduce monthly by extending the amortization terms from 360 months to 480 months. 
To address the unpaid of arrears of about {$100000.00} by adding a balloon amount of {$380000.00} that is an increase in the mortgage amount by {$280000.00} will NOT be a retention program. 
Please maintain the approval sent to CFPB in Appendix A without the Balloon amount of {$380000.00} since the arrears of {$100000.00} have been taken care by capitalization with increase in the 1st and 2nd Unpaid principal Amount ; and the reduction in monthly mortgage amount addressed by the extension of amortization period from 360 months to 480 months. The balloon amount negates the essence and purpose of the Retention Program. 
I humbly request that the modification/retention offer reflect these terms of the restructured loan as per your information to CFPB, that is without the Balloon Amount of {$380000.00} and the implementation of the extended amortization period of 480 months in determining the Loan Maturity Date ( LMD ) in line with the advise given to CFPB in XXXX, XXXX when same complaint was made, so that I can commence a revised trial period beginning on XX/XX/XXXX, as stated in the program. 
Thank you for your understanding. 
XXXX XXXX XXXX Attd : Appendix A : Retention Letter sent to CFPB by SLS in XX/XX/XXXX Appendix B-Page 10 : Current Retention Letter-XXXX XXXX XXXX
Product: Checking or savings account

I am writing to protest unfair banking fees for cashing checks written by their own bank customers. I received a letter today from Bank Of America stating that they will begin charging {$8.00} for non-customers who bring my Bank of America checks to my bank to cash. This practice discriminates against those who need the funds the most, such as any independent contractor, care giver, housekeeper, or landscaper. <P/>Is it illegal for banks to charge people for cashing checks written by that bank 's customers? <P/>The bank representative gave no good reason for charging the fee for cashing Bank of America checks to those whom I pay with a check. I understand that XXXX XXXX has also begun charging such fees. <P/>I already pay fees to the bank to maintain my checking account, and they have the privilege of holding of my money. The bank is providing no recourse. <P/>How can we protect consumers from these unfair fees? <P/>Thank you