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

I met with a Chase banker, XXXX and then XXXX XXXX, on XXXX XXXX XXXX CT branch. And he assured me that as a private client, I would NOT be charged any fees. Nevertheless, on my account ending in XXXX, Chase has surreptitiously charged me BOGUS fees for the last several years. They add up to {$160.00}. I spoke to the banker today, the branch manager, XXXX, and she assured me she would refund as much as possible, but urged me to file a formal complaint to recover all of the missing funds. Chase needs to REFUND ME $ {$160.00} for bogus monthly fees including XXXX XXXX  monthly fees and {$25.00} ACH and {$35.00} fees that I never agreed to.
Product: Credit reporting or other personal consumer reports

There is still a inquiry showing on my report from " XXXX XXXX XXXX '' I don't know what this is. I've never applied by XXXX XXXX. I've asked Experian to either verify that this is mind and or remove it. 

They have been failed to provide me with any document showing my signature or validating that in fact this inquiry is mine. 

This is seriously damaging me and it is inaccurate and was not me and my inquiry. 

I would like to ask for the last time that Experian either immediately remove this inquiry and or provide me with the documents you guys have used to determine that this is mine which they have to provide me by law. 

This is a serious matter for me and I hope to hear back asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX & on XX/XX/XXXX I sent a letter with a federal trade commission affidavit to the Experian, XXXX, and XXXX explaining to them the information on my credit report was inaccurate and for them to investigate. I gave them 30 day to respond to me and they did not.
Product: Credit reporting or other personal consumer reports

insurance claim pd part of the loan and Wells Fargo Auto charged off and wrote off {$16000.00} did not send me 1099C for the cancellation of the debt.
Product: Mortgage

During XXXX and XXXX, I entered forbearance plan with XXXX XXXX XXXX. However, during this period, my XXXX XXXX XXXX still reported to Credit Bureau as late payment for 17 months. 

I have tried to resolve this issue with XXXX XXXXXXXX XXXX since XX/XX/XXXX. However, the mortgage lender has been refused to adjust my credit report. 

Please help! 

Thanks,
Product: Vehicle loan or lease

I have had a loan with XXXX XXXXXXXX XXXX XXXX since XX/XX/2022 and I have had insurance with XXXX XXXX since I had the loan. On XX/XX/2022 I had a draft to be added to the loan of {$5900.00} for a Loan Advance Insurance payment to a third party company named Evans Simpson and Associates Inc. I have contacted both parties on XX/XX/2022 to provide the proof of Insurance and have confirmed that they both have received the attached documents in order to have this charge removed from my loan. 
Because of this balance increase to my loan my credit score has decreased and I am looking for this error to be satisfied as soon as possible. I will also like for both of these companies to be investigated in order to keep other consumers from being hassled like I was.
Product: Checking or savings account

I opened an additional premium checking account earlier this year which had some minimum balances that I needed to meet each month in order to avoid fees. I have several accounts with Bank of America and my collective balance is well above the minimum qualifying balance. When I first opened my account, I visited a brand in person and it was confirmed that no further action was needed to link my accounts to my new account and achieve a collective minimum balance. Since this interaction, I have received 3 fees ( 2 have been reversed so far ) and have even requested to downgrade from the premium checking account to avoid the hassle of fees that in fact do not apply to my situation as my accounts continue to exceed the minimum balance required to avoid fees. The 3rd fee has not been reversed and I have reached out to the last associate from Bank of America who confirmed I should not be incorrectly charged fees again. I have not heard back from this associate yet, and am getting frustrated as I feel Bank of America does not care to solve this problem, and is technically attempting to steel from me ( via incorrect fees ) on a frequent basis.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX and ask to block information from my credit report in 4 business days according to 605c of the fair credit reporting act!
Product: Checking or savings account

I closed my CD with BMO XXXX. I was told a check would be sent to me in 7-10 business days. After 10 business days. I contacted BMO and they told me that I should wait a few more days and contact them if the check did not arrive. After a few more days I contacted BMO and a representative told me that it could take up to a month for a check to arrive and if I hadn't received my check by the end of the week to contact them again. I contacted them today and they said if I were to have the check cancelled they would not resend a check for 90 days. I demanded to speak to someone else and after 45 minutes the new person said they would call me back. They called me tonight and told me they are emailing me a document to have the initial check cancelled and they would try to get me a new check sent out. BMO is holding my withdrawal for possibly 120 days.
Product: Credit reporting

Experian is showing XXXX inquiries which are not mine on my Experian credit report They refuse to remove these incorrect entries and are in violation of the credit laws
Product: Mortgage

I am trying to work with PNC. They are impossible to work with on my home equity line of credit. First and foremost, this loan was put into bankruptcy. I tried to call them numerous times in order to get a statement. I never received statements from them, and all of a sudden I receive a statement for XXXX plus dollars. I paid them XXXX a month for over 7 years, because they never stated what they wanted to be paid. 
I called them and asked for a hardship package. They sent it to me. I filled out the paperwork, and almost IMMEDIATELY, they send me a letter saying my line of credit is charged off. Even though after the bankruptcy they sent me an astronimacal amount to pay. They never give me any statement, even when I go into the bank to pay. 
Every other bank sends consumers statements stating that this statement is for INFORMATIONAL PURPOSES only, but they won't give me anything. 
Finally, on their application p 13/17 I authorized XXXX XXXX to speak on my behalf. Of course, when she calls, they tell her she is not authorized to speak. What is the purpose of having this page if no one even acknowledges that the person is authorized and they have to spend 20 minutes trying to get someone to speak to her.
Product: Credit card or prepaid card

I contacted Capital One regarding a recent negative remark placed on my credit report and the company refuses to remove the negative remark and or honor the program offered to cardholders for payment protection. Capital One charged a fee each month for payment protection to cardholder that opted into the program. I contacted Capital One to receive the benefits of this payment program that I paid into for numerous month, when I faced hardship. Capital One informed me the payment program was no longer available. Capital One mislead its cardholders into paying additional fees each month and did not uphold their end of the agreement. I paid into a Ponzi scheme offered by Capital One in the hopes to protect my credit and payment history in the event of a hardship. Capital did not honor their end of the agreement, reported my account in accurately to the credit bureaus as a result of them not honoring the payment program and has not returned the fees the cardholders paid into the payment program that can never be used or redeemed. The payment protection program was a scheme to get money from cardholders.
Product: Checking or savings account

On XX/XX/year>, A deposit in amount of {$500.00} was made at XXXX. At this time, total came to {$730.00}. On XX/XX/year>, there were some purchases that reduced balance by {$160.00} leaving total at about {$500.00} late XX/XX/year>. On XX/XX/year>XXXX XXXX XXXX received alert via app of threshold. An item came through for {$1600.00} and it was paid. There was also the fee of {$36.00}. My employers check also came through in amount of {$560.00} making what I had in the bank at time the item came though {$1000.00}. I deposited another {$600.00} on XX/XX/year> that morning leaving me with XXXX. I thought all was ok. At XXXX XX/XX/year>, I received Another XXXX about my account. Now I checked to find that there is a pending DEPOSIT in the amount of {$1600.00} under miscellaneous while the item for {$1600.00} is still showing posted. I called XXXX number have them research. Agent placed me on hold, spoke with her manager and told me that the deposit was NOT the item being returned and that it would show negative instead of positive. She couldn't tell where the deposit came from. So funds were spent after taking necessary steps to insure that it wasn't a return. Causing financial problems. I really believe that my account is being closely monitored from within for sabotaging purposes. This is not the first time I've noticed this. So I decided to start monitoring closely. Noticing a lot of moving around of posted dates. Like {$1600.00} item says posted XXXX but it didn't post until XXXX. Because again, the scenario I explained proves it didn't post.
Product: Mortgage

My Mortgage Company is Mortgage Solutions Financial Services. They habe not reported to the credit bureaus XXXX, XXXX, and XXXX since XX/XX/year>. I have never been late on any payments. The VA Home Loan Guaranty has sent me a letter stating I am behind on my payments. I have never been late. I called Mortgage Solutions multiple times and they still have not solved this issue, Where is my money going? This is hurting my credit as my score has dropped and can hurt me from ever getting another VA Home Loan. Please Help get answers. I have attached evidence please review. Mortgage Solutions stated the loan was transfered but I received no additional documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit card

Hi, on XX/XX/year> i went to XXXX and was at a restaurant with 3 friends who got drinks and one or two apps. the total was around {$200.00} usd when converted. they charged my card twice in one minute, one charge for {$170.00} and another for {$250.00}. one of these is fraudulent as i did not approve to be double charged. I opened a dispute with wells fargo and told them my story and they agreed it was suspicious i was charged twice so quickly in the same minute. He told me maybe they accidently used my card to pay for another person 's food, i agreed. then on XX/XX/year> they denied my claim with no other message to me. I absolutely did not approve the charge and i used a credit card when traveling to keep myself protected from fraud so im very dissapointed at the result and would like this investigated further. 

thanks date of initial charges : XX/XX/year> amounts : {$170.00} & {$250.00}
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX, XXXX, NC, XXXX XXXX XXXXXXXX Balance : $ XXXX XXXX XXXX XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the bankruptcy listing on my credit report, as it inaccurately reflects my current financial status. Per the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information on my credit report is accurate and up-to-date. 
Attached, please find documentation from both the courthouse and XXXX proving that my bankruptcy has been resolved. This evidence substantiates my claim that the bankruptcy listing should be removed from my credit report in accordance with the FCRA. 
Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), inaccurate reporting of my financial information can have adverse effects on my creditworthiness and overall financial well-being. Therefore, I request that you conduct a thorough investigation into this matter and promptly remove the erroneous bankruptcy listing from my credit report. 
I trust that you will handle this dispute with the utmost attention to compliance with consumer protection laws. Your prompt action to rectify this error will help ensure the accuracy of my credit report and uphold the consumer rights outlined in the FCRA and FDCPA. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.Thank you for your prompt attention to this matter. I anticipate receiving confirmation of the removal of the inaccurate bankruptcy listing from my credit report.
Product: Credit reporting or other personal consumer reports

as per the guidance from the consumer financial protection bureau ( cfpb ) the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage which falls under XXXX  according to XXXXdebt final rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX to be blocked and deleted company information. Please delete the following accounts : XXXX  bal. {$1600.00} XXXX XXXX bal. {$270.00} XXXX XXXX bal. {$700.00} XXXX XXXX bal. {$270.00}
Product: Vehicle loan or lease

The engine blew without warning, car was great otherwise. No problems out of normal up keep. 
The repair shop said the make and model had lot of recalls and problems.
Product: Checking or savings account

I signed up for the Chase Total Checking through a mail letter and online, and met the Direct deposit sign up deadline for a XXXX $ bonus, and I never received the XXXX $ now Chase is charging me XXXX $ a month for service fees on an account I didnt need, and only opened for the bonus, and J.P. Morgan Investments. I called the customer support, and they even said it was not in the fine print that I needed to have a qualified direct deposit. The terms were to set up direct deposit. Not to have a direct deposit come through. I read the whole letter I received in the mail, and read the terms, and fine print. It was not stated. Therefore Chase is in violation and is stealing money through monthly service fees they would not give me their ID number .... I talked to XXXX, and a Lady Named XXXX ( Spelling ) I also talked to XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED SAVERAL INACCUSCIES ON MY ACCOUNT. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURACY. 

HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE. 

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 XXXXXXXX
Product: Mortgage

I sold my property mortgaged with Freedom Mortgage, with closing scheduled XX/XX/XXXX. I have made three attempts to obtain a payoff statement from Freedom Mortgage - XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - all of which have been unsuccessful. During my XX/XX/XXXX conversation with Freedom Mortgage, they stated that they will make every attempt to provide the payoff statement on XX/XX/XXXX - which results in a likely delay of scheduled closing. 

Why does it take 17 days to obtain a payoff amount/statement for an existing loan?
Product: Student loan

In Mohela 's old system I was being charged {$220.00} a month for my payment. Since the change to the new system in XXXX I am still getting charged the {$220.00} in addition to the updated total of {$220.00}. I called on XX/XX/year> to get the double charge addressed, attempt to get a refund for the double charges, and view my charges. I was advised to cancel autopay, but they didn't see any evidence of any double charges and would send me proof of this in the mail. I cancelled autopay, and was placed in forbearance, and I was still charged on XX/XX/year> the amount of {$220.00}. I have also not received any of the information that was promised to me during my call on XX/XX/year>.
Product: Mortgage

Please see attached letters in regards to my attempts to have my escrow account cancelled. This began XXXX of XXXX. They did not respond to my letter and I sent a follow up letter. Their response for not cancelling the escrow was simply put as " they received the loan like this ''. That is not a legal reason to not cancel my escrow account. When I called and complained they acknowledge that I have the right to cancel my escrow account if it is in a positive balance. They just paid out taxes and the homeowners insurance and my balance is negative, so until I can have a positive or XXXX balance they can not cancel the escrow. I made my payments and in XXXX of XXXX I sent a letter explaining that in one more payment I will have a positive balance, please cancel my escrow. They never responded, I called they said they did not receive it, I could fax it. I faxed it to both their customer service and real estate tax bill departments on XXXX. I called on XXXX and talked to a supervisor name XXXX. She confirmed the receipt of the fax. I received a letter in XXXX explaining they received my inquiry and are working on it. I called on XXXX for an update and spoke to another supervisor XXXX, she explained that she shows no record of any letter in regards to cancelling my escrow account. she was polite and gave me a fax to her and said she would make sure it got to the correct department. I faxed it to her and talked to XXXX in her unit XXXX who said it was received and sent to correct deparment. In XXXX I receive a letter from Bayview stating that since I did n't send paperwork for a modification of my loan, I am no longer qualified for a loan modification. XXXX XXXX I called and was told that was a separate inquiry and that they were still working on the escrow response, should be soon. XXXX XXXX XXXX I called for an update and was told that they have no letter asking for escrow to be cancelled. I spoke to a supervisor named XXXX who said that they have nothing, I asked to fax letter to him so he could get it done because in XXXX they will pay out again and I will be short and not allowed to cancel. He explained that he does not have a fax and stated I could fax it myself to them, offered me the number. I could also mail it. I have attached copies of my letter. I want Bayview to cancel my escrow immediately and I want it done before they pay out taxes.
Product: Mortgage

I am in XXXX XXXX service XXXX veteran. I got a loan modification with a VA back loan. I recently had medical issues and have been unable to make payments. I am over 160 days behind. I applied for a loan modification three months ago, instead of helping me, they raised my payment and made it unfeasible for me to live and pay my bills. I contacted the VA they put me in touch with their social worker who was no help I have applied to different programs to no avail. I called nation lending requesting a loan modification or asking what they could do to prevent the foreclosure as this is my home and they told me I could do a short sale or pay them at lump sum of {$9000.00} or there was nothing else I could do. They were very inconsiderate, and I have been unable to get any help from the lender or the VA in regards to this matter. Please help me as I am about to lose my home and I have been through XXXX XXXXXXXX in the past two years from XXXX as well as had a decline from the financial stress and burden. My XXXX has gotten so I am in extreme emotional and financial crisis. I served my country honorably, was severely injured in XXXX Ive received XXXX XXXX XXXX, and Im a highly decorated veteran, and I am deeply hurt that neither the VA nor and XXXX XXXX well help me. I have also called the HUD counseling agency and was told by them that XXXX XXXX is known for their predatory practices, and I would greatly appreciate if you would look into this and get back to me as soon as possible. Thank you so much for your time I sincerely hope you can help me.
Product: Credit reporting or other personal consumer reports

This account is on my XXXX, Transunion, XXXX account which is part of a data breach and there are two accounts on my credit report. I have disputed this account multiple times and they are refusing to delete these accounts and proper investigation. XXXX, Transunion, XXXX is under investigation for refusing to delete accounts that are inaccurate and need to be deleted. I have two accounts that are associated with opportun or pathway that don't belong to me as they can't provide a contract with my signature or any documents per FCRA.
Product: Debt collection

Under this law According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Transunion requesting incorrect information from XXXX XXXX company showing as late be removed from my report. I also cited the reasons for this. The late payments are showing on XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. They did not investigate this properly because the payments were not late.