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

I opened my account at one of your branch in XXXX ( XXXX XXXX XXXX, XXXX, PA XXXX ). As this account is secondary, my primary goal was to avoid monthly fees if possible. The branch initially tried to set me up with a student account but discovered I did not meet the age requirement. I was then suggested to have a different type of account instead which requires {$1500.00} minimum daily balance to avoid the fees. I chose that account and made deposit within the timeframe instructed by the associate who helped me open that account. 

Today I surprisingly found out I've been charged monthly for a fee of {$4.00}, I went to the branch but wasn't able to find the associate who helped me. They acknowledge this could be an error while setting up the account but they were not able to help me correct the fees. I called the 1-800 number but they couldn't help more than 2 fees either. Therefore I am writing to you and would really appreciate if you can help reverse the fees that were charged due to the error. 
Thank you very much for your time!
Product: Mortgage

XXXX XXXX, 2015 XXXX XXXX XXXX XXXX, GA XXXXOffice of Consumer ResponseConsumer Financial Protection BureauConsumerfinance.govRE : SPS ACCOUNT : XXXXXXXXXXXX Relationship ManagerSelect Portfolio ServicingXXXX UT XXXXDear CFPB : I have reviewed Specialized Portfolio 's Services ( SPS ) response to my XXXX 2015 complaint and find it inadequate. 

My initial complaints remain valid. 

Damages Due Withholding Funds Of BorrowerSPS has reported derogatory credit information on me while holding a significant amount of funds belonging to me since the transfer of my account servicing from XXXX to SPS. These funds were held due to an error by the XXXX servicing organizations. 

I am requesting compensation for damages to my credit and compounding my ability to refinance my home. Resulting from withholding this cash. How can you report payments when you are holding funds of the borrower? I was refunded over {$5000.00} in 2015 from SPS due to this error. These funds would have offset any delinquencies. 

An investigation by SPS and communication with XXXX will reveal this. 

Uneconomic and Unethical Mortgage UnderwritingMy mortgage payment of principal and interest is less than my local property payments. A simple review will reveal that this financing is uneconomic. 

Failure to DiscloseWhen I receive my initial mortgage and modification it was not disclosed that I would pay PMI insurance. I would like this payment eased. 


Damages Due to Property Tax Escrow MismanagementI don not pay my property taxes. My properties taxes are escrowed pay SPS. 
SPS has often miss calculated the tax escrow resulting in additional derogatory credit information and tax liens. 

Uneconomic Mortgage UnderwritingMy current mortgage payment after modification is much higher than my originalMortgage PI. Again this underwriting is uneconomic. 

I have applied for a review of this modification, which has been hampered by time lags on SPS, request for up dated in formation. 

I would appreciate your assistance in resolving this matter or directing me to a legal agency. 


Thanks. 

Sincerely, XXXX XXXX, XXXX
Product: Vehicle loan or lease

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the rights to privacy ( 15 USC 1681 ( section 604 section 2 ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B. A creditor may not treat a payment on an accounted under an open consumer credit as late for any purpose.
Product: Credit reporting or other personal consumer reports

The unverified ITEMS indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these ITEMS to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following ITEMS to be DELETED from my file right away 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 or prepaid card

I contacted the company on XX/XX/2019 about an issue with my credit card. I asked for them to explain the issue. I received a response the same day letting me know someone would be calling me. On XX/XX/2019 I informed the company that I wanted the issue responded to via writing and not a phone call so there was record of it. At that time I told them if they did not want to record the phone call and provide me with a copy of it, write me a letter in the mail, or send me an email that I would not be taking a call from them. This is for my protection of my account and my credit to prevent the company from providing false information and not being held accountable. I received the same EXACT on XX/XX/2019 saying that someone would be calling me. I informed the company I would be filing complaints to have the issued handled that way and ensure there is a written response.The issue is that the promotions offered by this card are for double points on XXXX XXXX orders from an XXXX  team. The two teams that I have purchased tickets from (XXXX XXXX and XXXX XXXX) redirect customers from their site to XXXX  to purchase tickets. Barclays is not recognizing these transactions as promotion transactions. I believe that all teams likely use this redirection to XXXX to purchase tickets. That would mean that no ticket purchases would qualify for the promotion that Barclays is advertising and it would make this promotion misleading to customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

DP OF EDUC XXXX XXXX XXXX XXXX XXXXXXXX USDOE/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All XXXX credit bureaus were reporting XXXX different bankruptcies, and the courts do not verify bankruptcies. Therefore, the credit reporting agencies pulled that information from a third party reporting agency. So that information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to resolve the multiple hard inquires on my credit report that I did not authorize. Ive recently put a freeze on all 3 credit reports because my information has been used to apply for auto loans, cash loans, credit cards, etc without my consent. The Credit Bureaus ( XXXX, Experian, XXXX  ) are neglecting to address and verify the inquires properly. Ive tried contacting the creditors and they all informed to me directly dispute with the credit bureaus however they are not willing to work with me. The representatives have been very rude and some have even hung up on me. This has been an extremely stressful experience and I just really want this resolved.
Product: Student loan

From XX/XX/XXXX to XX/XX/XXXX the Loan Servicer has not applied monthly over payments directly to principal. I notified the Loan Servicer multiple times. On one occasion, the Loan Servicer stated it would make the adjustment going forward. However, the Loan Servicer never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One credit card. 
Quick Silver Acct XXXX I have 2 capital one credit cards. For some reason they are not reporting this particular card to XXXX XXXX XXXX. Only reporting to XXXX. 

Its throwing off my scores from each other on accounts open and credit availability.
Product: Checking or savings account

This bank is charging their monthly fee of {$6.00} into my checking account on after hours ( after XXXX ) XXXX and the next day they want to charge me a {$36.00} overdraft fee because they pushed their fee after hours in my account which was higher than the {$5.00} treshhold and they want to penaltize me for it too ... 

This is TRUE ROBBERY ... my account was not over draft or any thing and it is ver draft because they are pushing their own fees and then want to tackle another {$36.00} to fatten their own pockets ... 

I want the {$36.00} removed ASAP ... my account was pushed into the red only because of the monthly bank fee not that they paid any amount for me rejected any thing ... .it is all because of their own fees. 

I want the {$36.00} to be removed asap!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for free violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a college in XXXX XXXX florida XXXX they closed bankrupted before I could finish I tried to transfer no one would take the credits stated that the loan was given to non credited teachers. Not sure but I know I did not get what I paid for. But in my credit report the loan is over and over it started XXXX XXXX then it moved to New York State now its sometibg else. The loan is from 1992. It has put more weight on me keeping me from getting loans jobs a home. Because its on my report over and over. It says on my credit report I took the loan out when I was 9 years old. It has I owe XXXX for a associates degree that I never was able to finish nor had enough knowledge to even get a entry level position. I paid XXXX XXXX  a year and a half and its just as bad as before but even worse now
Product: Credit reporting, credit repair services, or other personal consumer reports

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted.

1.XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX   5. XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 I was notified of a fraudulent charge on my Bank of America account. The card was cancelled and a new one was to be mailed, however the new card automatically uploaded to my XXXX wallet. 
The next day I received a phone call from bank of America on the caller ID, as well as the actual phone number. The man identified himself as a fraud department representative and was here to help. He asked if I knew anyone in XXXX XXXX that was using my card. I said no. He was already aware of the fraudulent activity from the day prior, and then told me my entire account was being compromised and that I needed to act quickly to resolve the issue. So I had every reason to believe him, since I thought I was speaking with an actual BofA representative. He explained that the digital fraud team would reach out, and they did, I answered, they had me share my screen, and log into my online banking. He then had me transfer my savings to my checking and then the checking ( {$8000.00} total ) to XXXX XXXX. I was then told to remove all of my cards from my XXXX wallet. He then had me upload a Chime card, and transferred {$8000.00} to that card. He said they would wave the transfer fee and that this was only temporary while the bank investigated and I would receive the money back in 2 days. After I hung up I had some feelings of uncertainty, but talked myself out of it because it was the bank calling me. I was not aware of spoofing or any of these types of scams. I fell victim to this and the bank refuses to refund the money since the payment was authorized. I only authorized because I was under the impression I was talking to a real employee. I immediately called the bank the following day, I also went to a bank branch. I was told that they could put a stop payment but it didnt work. I also filed a police report with the local police department and have a detective assigned that got a court order on the transaction ID. I filed a fraud complaint with XXXX and Bank of America.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : 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 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: Money transfer, virtual currency, or money service

I want to file a fraud transaction report that happens to me, I have become a fraud victim on our transaction with XXXX XXXX, XXXX, XXXX, Florida. 
- I pre-ordered five XXXX Bikes with total of {$15000.00} in XXXX XXXX. I did a wire transfer to XXXX XXXX Account two times, {$9000.00} in XXXX and {$6000.00} in XX/XX/XXXX. XXXX XXXX promised to deliver these five XXXX in XXXX XXXX. However, until today ( XXXX of XX/XX/XXXX ), they have not delivered any of these bikes, or sent any refund to us. 
- I have tried to discuss with them since mid-XXXX XXXX, regarding our order and possibility of refund. However, they always make an excuse to us in regards the delivery, pick-up in store & refund, also I have a difficulty to contact them. 
- I have contacted our Bank, to help me to get the refund. However, they could not help me to reverse the wire transfer that has been made. I made XXXXhree wire transfer with two different Bank. My first bank transfer was with TD Bank, and my second & third transfer was with XXXX. 
- Furthermore, I checked some review in XXXX, XXXX, XXXX, and XXXX about XXXX XXXX, I found there are some people that has a same issue likes me. Based on this information and our above-mentioned situation, I believe that XXXX XXXX has done a fraud transaction to us. 
- I have all the evidence to support my case, such as my wire-transfer, invoice and written communication with XXXX XXXX. I hope CFBP Team could help us to solve this issue, and prevent this issue happens again to our community. Thank you so much for your attention and further support. 
- Warmest Regards, XXXX XXXX XXXX
Product: Debt collection

Company name it ( get it now ) is report to all three credit bureau wrong information.get it now report months XXXX, XXXX, XXXX, XX/XX/2024. On those months I'm made these payments made on time not behind payments also payed in full
Product: Mortgage

Cant get through. For those that have gotten through all they are offering is 3 months no payment then all due in 3 months. Unacceptable Im Being punished for having good credit and never missing a payment since all XXXX and XXXX loans are getting modifications. There is no reason they cant add the 2 payments to the life of my loan at the end or take my escrow out to make payment affordable since my state is extending tax bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three collections reporting from Americollect, I requested an investigation from them directly and from XXXX. I have not gotten a proper response from Americollect I am unsure of the correct reporting and I don't believe XXXX  has done a proper investigation into this matter. They just keep verifying the information.
Product: Debt collection

In XXXX XXXX i was sued by XXXX XXXX for a car i voluntarily had repossed because they asled of i could borrow money to make a payment, they hired shermeta law group to sue me, i was sued and a settlement was reached, I am also a XXXX employee myself. I have been making payments to shermeta law payable to XXXX XXXX since XXXX, XXXX in the amount of {$200.00} a month, in XXXX of XXXX i was on a temporary layoff for 2 weeks, I contacted shermeta lae that i was on layoff they would not work with me, aftdr notifining them in XXXX XXXX of layoff they stopped sending statements of my account and payment coupon, I made a payment in XXXX XXXX without a coupon, on XXXX/XXXX/XXXX i recieved a letter dated XXXX/XXXX/XXXX that says i defaulted and now i owe the amount of XXXX instead of XXXX, they gave me 14 days to respond, this XXXX XXXX acount still shows on my credit report negative non of the payments made from XXXX to XXXX are being reporte to my credit report, i also have fmla due to a XXXX so i miss time from work, i ask tired of being harrased, they dont even send the paperwork to the correct address, they threating to garnish my wages, i am really XXXX from this company, please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, As of XX/XX/2021 Experian, was reporting my correct address. On XX/XX/2021 I noticed that Experian changed the city of my address. Instead of reflecting that I live in the city of XXXX, it was wrongfully changed to the city of XXXX. On XX/XX/2021 I submitted an online address dispute included with a copy of my drivers license and a recent utility bill. This dispute was completed, and yet, the incorrect address remained. As a result, I called and spoke with multiple Experian representatives and supervisors and multiple address disputes were opened. Even with the required proof, the address has yet to still be updated. 
Moreover, miraculously on XX/XX/2021 an address dispute resulted in my address finally being corrected. The report number for that one is XXXX. However, the result of the previous address dispute was short lived. Within five minutes of being corrected, I received a notification that another address dispute had been resolved. This address dispute removed the correct address and replaced it with the incorrect version, yet again. The report number for this one is XXXX. 
More in depth, as a result of this, I called Experian today at XXXX XXXX on XX/XX/. The first representative took my information, and did an investigation on the address matter. The representative short investigation concluded with the current reporting address as being incorrect. As a result, the representative made a reference/case number which is # XXXX. The representative transferred me to a Dispute team member. After I provided the new representative my information, I gave him the reference/case number generated from the previous representative that I spoke with. Once I gave the representative the reference/case number, the representative became silent. I still heard background noises. After approximately fifteen minutes, I asked the representative Are you still one the line? I heard no response. I followed with, Hello. Still, I heard no response. As a result of no response, I hung up the phone and proceeded to file a formal complaint against Experian. 
Moreover, filing a formal complaint against Experian is my last course of action. I have uploaded proof in the form of my drivers license and an updated utility bill to support my claim of an incorrect address being reported. Also, the address currently being furnished on my credit report by Experian is not a real place. In essence, the address does not exist. A quick XXXX search would prove this. Filing this complaint only came after multiple attempts to no avail to have Experian correct my address that is being listed on my credit report. 


P.S I have already supplied Experian my driver/s license and an updated utility bill via Experian 's online portal at www.Experian.com/Upload I will not attach those documents to this complaint!
Product: Credit reporting or other personal consumer reports

I hope this message reaches you well. I am writing with a sense of urgency regarding my XXXX XXXX account. Today, to my surprise and dismay, I discovered that my account is XXXX days past due. This revelation came as a shock, as I was completely unaware of the situation until I reached out today. 

It appears that I have not been receiving any statements, calls, or text notifications regarding the status of my account. This lack of communication has left me blindsided and struggling to rectify the situation promptly. 

In response to this unforeseen circumstance, I have made a payment of {$140.00} today, covering both the past due amount and the upcoming billing cycle. However, I am deeply concerned about the potential repercussions of this late payment, especially its impact on my credit score and financial standing. 

Additionally, I must bring to your attention the presence of fraudulent charges on my account, which I have been diligently trying to dispute. Despite my efforts, these charges remain unresolved, adding further complexity to my current situation. 

I urge you to expedite the resolution process and advocate for the removal of the late payment from my account records. It is my sincere hope that we can swiftly address this issue and prevent any adverse effects on my credit history. 

Thank you for your attention to this matter. I eagerly await your prompt response and assistance in resolving this pressing issue.
Product: Debt collection

There is an old credit card debt from XXXX bank supposably XXXX the amount should only be XXXX which was the actually limit back in XXXX. I lost my job and could not pay the debt back at the time. This company closed the account wrote it off and the debt collector fbcs instead of contacting me years ago they just started now in XXXX threatning me stating that they will come to my job etc. I got a letter this year XXXX for a debt thats almost 6 years old stating that its an attempt to collect. Why wait all these years especially after writing it off and never attempting years ago? I'm having a hardship with children and these people are just cruel and unprofessional. I haven't had the chance to decide what to do with the letter because im not sure whether it would make a difference on my credit at this point.
Product: Debt collection

I am constantly harassed by Nissan Motor Finance Regarding my car payment which i missed but despite having a payment setup for the XX/XX/2016 i constantly received calls on the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX demanding a payment right away and during this process i was forced to make two payments of XXXX on the XX/XX/XXXX and a second payment of XXXX setup for the XX/XX/XXXX