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

I refinanced my house in XX/XX/XXXX. When we did, our mortgage broker used SunTrust Mortgage. The mortgage, which was a traditional 30-year fixed rate mortgage, did not allow us to get traditional coupons or monthly statements, and instead required an online payment. We visited a SunTrust to set up the process so that we could make payments to the mortgage electronically when we wanted because we did not want to transfer all of our existing banking to SunTrust bank. The XXXX, MD branch of SunTrust helped us, and apparently - although now we have come to understand they did not providing us all the information - set up an account to permit that XXXX XXXX XXXX banking ). I have come to learn in the past few weeks that the account requires a balance of {$10000.00} to avoid fees, or a mortgage with auto pay. Since we had the latter it was set up. It was not explained that how the account worked because the bank was focused on the mortgage and the refinance, not the bank account. All online accounts were via the mortgage account. There was never any communication from SunTrust about this bank account because it was simply to pay the mortgage. We checked mortgage information and such through the online portal. There was no link to the checking account that we knew about. There was always a buffer of several hundred dollars in the account. When we sold the house and moved in XXXX, we opened a mortgage with another bank. Suntrust, without any warning, email, phone calls, or any follow ups began charging $ XXXX. They continue to do so to this day, saying they gave notice in the account materials to open the online accounts. The internal regulations and procedures mean that we are liable for the deducted $ XXXX fees. They have been unwilling to refund them, though the branch I visited to get this appeal process within the bank started called the process shameless and gave me as much as they could. I filed an appeal. I was given {$34.00}. The branch ( which was the branch that gave me all the documents on the now grandfathered account type XXXX had refunded {$68.00}. The total charged was {$660.00}. I would like to get all the fees back, but the bank has been unapologetic for their approach, even though the mortgage portal and banking portal were not the same website. I have never worked with any bank - large or small- that simply does not follow up in any way when those types of circumstances change. I closed the mortgage, I still have a credit card ( though not for long ). In any event, the bank was clearly deceptive in how in how it approached the situation. It could have followed up. But they say they never follow up unless there is fraud. I highly doubt that - my other bank ( which is a similar commercial bank ) does. I do not know if the problem was in the branch or the corporate - but I should not be the one who bears the cost of their incompetence.
Product: Credit reporting or other personal consumer reports

I am a victim of the recent National Data Breach and XXXX Data Breach and have recently discovered that my personal information has been compromised. This breach has caused significant hardship and has had a devastating impact on my life.
Product: Checking or savings account

On XX/XX/18, I attempted to do a XXXX Transfer from my Wells Fargo business checking account. On the normal confirmation page, an error notice came up and said that they were unable to complete the transfer due to a glitch. The recipient did not receive the money to her account ( {$1100.00} ). The money was, however, removed from my account. I have called Wells Fargo 3 times asking them to reverse the transaction and replace my money, but they have stated that it will take up to 10 business days. This is unacceptable. This is a glitch in THEIR system and it is MY money. I am a growing business and need the funds replaced immediately.
Product: Credit reporting or other personal consumer reports

As that darned commercial promised, I did get a hold of my credit report, and let me tell you, I'm beyond fed up with the glaring inaccuracies I found. It's maddening, to say the least, because I'm a responsible, on-the-dot payer, and I'm not about to let these blunders tarnish my reputation. I'm not in the mood for this nonsense, and I expect you to set things straight, pronto! I'm not here to exchange pleasantries ; I need you to roll up your sleeves and fix this mess pronto, just like your commercials lead me to believe you would. My patience is wearing thin, and I won't stand for these inaccuracies any longer. DEPT OF ED/AIDVANTAGE XXXX. I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that a charge off account is inaccurate that I did not authorize.I would like this accounts immediately remove from my Equifax, XXXX and XXXX credit report : Account name : XXXX. XXXX Acct XXXX Date open : XX/XX/2018 charge off XXXX ( XXXX ), XX/XX/2018 ( Equifax ) XX/XX/2018. I respectfully asked the creditor to provide some kind of proof of these alleged items, specially the contract, note, or other entrustment bearing my signature. additionally, to please provide the name, address, and telephone number of each credit grantor or other subscribers. It has been over 30 days and I haven't got a response. Under federal law they have 30 days to complete a reinvestigation. as well that the description of the procedure used to determine the accuracy and completeness of the information is herby requested as well, to be provide within 15 days of the completion of the reinvestigation. 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and.
Product: Bank account or service

Yes, My father banked with Pentagon Federal Credit Union. At the credit union he had several accounts XXXX money market certificate accounts, credit card and a share account. My father passed away XXXX XXXX, 2015. His estate is currently in probate and I 'm the executor of the estate. Pentagon Federal Credit Union will not close the accounts at the bank due to the fact my father had a balance on a credit card statement. Also the accounts are payable on death accounts with a beneficiary. They stated my father signed a credit card agreement stating they have the right to take money from other accounts to pay the debt. When my father passed away in XXXX the account was in good standing, it was not in default. I told them that they could place a claim against the estate and the estate would be responsible for paying the debt. I 've attached a copy of the credit card signature card and the membership disclosure. My question are listed below:1. Does the passing of an individual automatically make any debt by that individual in default? The debt in question is credit card debt. 
2. Does the credit union have a right to leave an account opened after requesting that it be closed after a persons death so they can make monthly withdrawals from the account ( s ) to pay on credit card debt?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts and inquiries. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Summer XX/XX/XXXX my then spouse-XXXX XXXX- & daughter XXXX , and I made plans to return move from XXXX XXXX-our home of 10 years-to XXXX XXXX . XX/XX/XXXX I had already made plans to move my inheritance from XXXX XXXX XXXX ( XXXX XXXX broker ) to same in XXXX. XXXX trust account numbers begin differently from those of XXXX & of course XXXX wouldnt be my broker any more. Please see first page where I mailed copy to XXXX asking why my Moms IRA from Compass had not been put into an account like other parts of the trust had been in XX/XX/XXXX.Mom- XXXX XXXX XXXX-had passed XX/XX/XXXX, in XXXX XXXX.My Dad had died XX/XX/XXXX, and the trusts had been from his retirement, passed to Mom. I came across these old Compass papers XX/XX/XXXX, and wondered 2 things:1. ) where did the remaining $ 4K + in assets go and 2. ) why didnt I get the $ 15K+ payable to XXXX that was mailed ( I guess? ) from XXXX Compass, to our XXXX address, XX/XX/XXXX. I called Compass Trust XX/XX/XXXX, asking about both monies but I was told that Compass closed the IRA account by that number on XX/XX/XXXX. And Compass was not going to perform further research to help me locate a LOT of missing funds.. I also- XX/XX/XXXX- called former broker XXXX XXXX in XXXX ( I didnt get reply from him to my top page question in XX/XX/XXXX, ) who now is a XXXX XXXX broker , but Mr XXXX  failed to call me back.I had a fiduciary trust in this money transfer, and I saw, at the time, no need to question the bank or brokerage actions. I didnt even know about the Compass trust, anyway.I want both the $ 15K+ payable to XXXXback and $ 4K+ remaining assets back. Thank you.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX  in question. Sending out a generic form letter through the XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX AND IM SUBMITTING THIS COMPLAINT BY MYSELF. THERE IS NO UNAUTHORIZED THIRD PARTY IN CONNECTION WITH THIS COMPLAINT.

There are some Unauthorized/Fraudulent inquiries being furnished to my consumer report without my permissible purpose, which is a violation of the Fair Credit Reporting Act. No written instruction has been given to Experian to report these inquiries to my credit file. I have filed an Identity Theft Affidavit with the Federal Trade Commission & attached it to this complaint along with my Drivers License, Proof of my Current Address, & my Cover Letter listing each Fraudulent Inquiry. DO NOT ADD A FRAUD ALERT TO MY CONSUMER REPORT!
Product: Credit reporting or other personal consumer reports

My credit report is showing a collection account from a debt collector that I never gave permission signature to collect on this debt. The collection is from XXXX XXXX XXXX account # XXXX. I never received written notification about this debt so, I am also requesting debt validation, in this debt validation I am asking for a detailed list of history of payments, the signature I put on the contract guaranteeing that I pay this debt to them, I want to see proof that you have chain of title to collect on this debt according to U.S code 1692 this collection needs to be removed immediately.

attached is my passport and driver 's licenses. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1. On XXXX XXXX, 2020, AMERICREDIT add a hard inquiry on my credit report per XXXX. 
2. On XXXX XXXX, 2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX, XXXX and XXXX. 
3. On XXXX XXXX, 2020, XXXX XXXX XXXX XXXX  add a hard inquiry on my credit report per XXXX, XXXX and XXXX.
Product: Mortgage

Loan Modification Denied with out and explanation. 


Per the denial letter dated XX/XX/2021. That XXXX XXXX XXXX. has reviewed you for options that would allow you to keep the property and for options that would mean that you would not keep the property and we have evaluated you for all other available options to ensure you have sufficient information to make an informed decision. 
Proprietary Modification Declined Short Sale- Conditionally Approved Deed In Lieu - Conditionally Approved While you provide no documentation disclosing the terms Mr. Cooper or XXXX Bank XXXX XXXX offer or NPV input used. We demand that Mr. Cooper or XXXX Bank XXXX. provide the terms the loan was reviewed for and XXXX input used additionally request review for any other programs Mr. Cooper offers as well as Standard, In-house Modification, or a repayment plan. 

Mr Cooper did not provide any NPV inputs, showing what the existing loan balance is, what interest rate is, what the principal and interest payment is. Please provide the full NPV inputs and why an affordable modification could not be reach. 

Additionally, we request that our the Brookhysers be fully reviewed for all programs including but not limited to temporary reduction, forbearance program and /or deferment program ( balloon payment ).
Product: Credit reporting or other personal consumer reports

Creditor Name : National credit Adjustment Date Opened : XX/XX/year> Balance : XXXX This account was sold to a collection agency, and I request that you update the credit report to reflect the proper status of this account. The account should not be listed as " open '' if the debt has been transferred to a third-party collector. According to the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate, and I believe the current reporting is incorrect. 

I request that you investigate this matter and correct the account status to reflect the following : The account should be marked as " sold '' or " transferred to collections '' rather than remaining open. 
The collection agency should be reporting the debt separately. 
If you are unable to verify this account or its status, I request that it be removed from my credit report. 

Please notify me once the investigation is complete and the necessary corrections have been made. Thank you for your prompt attention to this matter.
Product: Vehicle loan or lease

I took out a loan for a used vehicle from Mariner Finance. The company worked with me until the vehicle got to a point that it always had something wrong with it. At that time ( about XX/XX/2017 ) I told the company I was going to have to buy another vehicle and I would not be able to pay a big payment or be able to fix the vehicle. They would'nt lower the payment enough for me to afford. I then told them that I can't pay. They then started calling and calling, I told them the same thing over and over again. They finally stopped calling. While checking my credit report, I noticed they had sold the loan to another lender. I never got any notification of that. I called Mariner finance and they told me who they sold it to ( I don't remember the name of the company ) but I called that company and they told me they had sold the loan to another company, so I called that company and they said they sold the loan as well. I never got notification from anyone, not Mariner Finance, or the other 3 companies who bought the loan. I did get a phone call early last year from someone telling me that I owed them for the vehicle, but I told them not to call me anymore and that I was not paying because they are not holding the lien on the vehicle. Mariner Finance is still holding the lien on the vehicle. I'm not sure who to pay for the remainder of what I owe on the vehicle and I am not sure who should be holding the lien. I am not paying someone and then not getting a lien release from someone else. This is a very confusing situation. I know I have rights and I am sure that someone should have let me know what was going on with the vehicle.
Product: Debt collection

I filed BKXXXX on an acct. They previously put a lien on the property. I contacted the debt collection attorney office. Nobody wants to return my call and They say nobody is authorize to give me an acct number or name of the creditor. They keep referring me over to somebody who does n't want to call me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXXXXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Date of inquiry XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX of inquiry : XX/XX/XXXX ; XXXX Date XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Debt collection

Received a voice message from a man named " XXXX '' on my personal cell phone, referencing a case # and a phone # to call back for any questions or to make a payment. Also stating he was on his way to my residence as well as my place of employment to serve me some important legal papers. I called back the # that was left and got a recording stating it was Creekside recovery and capital management, I gave my case # and informed the gentleman I had filed for bankruptcy in XXXX of 2014 and asked why I was being called and was promptly hung up on.
Product: Credit reporting or other personal consumer reports

I have written to you several times to update my personal information. 
According to 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting organizations carry out their grave obligations with justice, impartiality, and respect for the customer 's right to privacy. 
I demand that all personally identifying information be removed from my consumer credit report. According to the FAIR CREDIT REPORTING ACT, 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer with a right to privacy. Not granting my rights is a direct violation of 15 USC 1681 and its subsections.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX after reviewing my credit report, I noticed there were items in a " charged off '' status years ago however still showing I was missing payments monthly which appeared on my credit report in two ways : 1. Late payments from an account closed in charge off status from XX/XX/XXXXand, 2. That same account 's balance, though reported as a charge off, was being combined with my total amount of available credit and in a late payment status. 

I contacted the company who was hired to collect the debt, Portfolio Recovery Associates of XXXX, VA. I spoke with a collection specialist and he said their company could accept a settlement payment from me despite this debt with XXXX XXXX being charged off in XX/XX/XXXX. I told him I was concerned it was still showing up and showing up as late monthly payments still accumulating interest. He agreed to accept {$830.00} and I wrote them a check and mailed it on XX/XX/XXXX. 

I appealed this item with XXXX  and they refused to review the request to address this discrepancy in XXXX. 

Today, in XX/XX/XXXX, this item is still on my credit report as a " late payment '' and they have never shown that this item was addressed as a settlement. 

Portfolio Recovery cashed my check on XX/XX/XXXX however never contacted the credit reporting bureaus to update this account. 

I've filed a second discrepency request with XXXX  who has a copy of my check to Portfolio recovery, the actual photo of the check from my bank showing when Portfolio Recovery cashed this, and screen shots of how this item is showing up on my credit report as late monthly payments for a debt that is close to {$2900.00}. 

I have contacted the Colorado Attorney General 's Division that handles collection companies to request they assist however, the AG 's office suggested I also file a complaint with your agency.

This item has continued to keep my credit score from increasing, has factored into me being denied housing, increased costs of auto insurance, and taken hours to try and address now, for close to one year with no resolution.