23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

An annual fee of {$50.00} was attached to my HELOC beginning of XX/XX/2023. I was not aware of the situation as I have never used the HELOC and it had a {$0.00} balance. I never received a phone call nor a billing statement aside from electronic ones which was hard to access and not easily get to on the phone app. I use the phone app to alert me of my balances. Alliant 's application continues to erroneously show {$0.00} on my HELOC which led me to believe there was no fee. However, they automatically had already attach the fee without me noticing then proceeded to report it to credit bureau after 30 days. 

This is not a reflection of my credit worthiness nor is it a result of my inability to pay. This was due to a lack of notification and transparency around an annual fee that the company automatically attaches to my account. 

This issue has drastically reduce my credit score whlist I'm in the middle of procuring a home loan therefore negatively impacting my ability to find a new home. All due to a {$50.00} fee that was not widely advertised, poor communication, and poorly designed application user interface ( see exhibit I attached showing {$0.00} balance this entire time ) I was relying on the app to remind me of payment obligations.
Product: Checking or savings account

Banner Bank closed my account when they shut down my working debit card on XX/XX/2022. I want my safe box fee prorated since they closed my account-Banner only wants to take money and not allow me the use of my money. This was without notice or warning.
Product: Debt collection

Guess this new company bought this from someone if it is spectrum I never have had thier service I have XXXX XXXX if it is another company I have no knowledge of this keeps popping back up after it was removed the dollar amount has been the same
Product: Credit reporting or other personal consumer reports

I contacted Experian to remove old address 's from my account which they informed me they could not remove for creditor was reporting this information yet there is no account on my credit report which they say is reporting this.
Product: Credit card

Chase Freedom Credit Card is allowing merchants to erroneously and fraudulently charge on this card even after they've been notified by me and one of the merchants. I am attaching a statement regarding my complaint.
Product: Checking or savings account

I have tried to open an account at Santander Bank and according to the Fair Credit Act, Santander Bank may be subjected to legal action due to Santander Bank procedures not to verify XXXX XXXX report. I,  XXXX XXXX verified with XXXX XXXX and XXXX XXXX of XXXX, that my XXXX XXXX XXXX MISSOURI account is PAID IN FULL IN THE AMOUNT OF {$120.00}. I also spoke with XXXX of XXXX on XX/XX/2018 who transferred me to XXXX speaking interpreter, and stated to take legal action against XXXX, with XXXX XXXX as a Co-defendant.
Product: Student loan

I would like to notify you of an issue with my private student loan that was dispersed to attend a school previously called the XXXX XXXX XXXX ( XXXX ). I have agreed to have my private student loan payment automatically paid from my bank account each month. The amount that is removed from my account each month ( according to my bank statements ) is approximately {$290.00}. However, when I receive my billing statements, the monthly amount due is approximately {$240.00}. I 've called Navient Solutions, Inc. to determine what the difference is between my billing statements and the amount being removed from my bank account. The customer service representatives at Navient have been unable to clearly explain to me why my amount due is around {$40.00} less than what they are taking from my bank account. This is highly deceptive, as I am not able to find any disclosure that shows me why I am paying about {$40.00} more than what the amount due on my billing statement shows. It is also unfair. Customer service at Navient is not able to explain this to me, and I am unable to avoid this additional fee. I am hoping the CFPB can look into this issue, and I am hoping Navient will refund the additional amount that is being taken from my bank account each month, as they never properly disclosed this to me.
Product: Credit reporting or other personal consumer reports

I am writing to address some inconsistencies that I have identified in my personal credit report. These inaccuracies are having a significant impact on my financial standing, particularly in relation to my ability to own a home. While I understand that errors can occur, I have researched the dispute process and am aware of the required investigation time-frame of thirty days. The other bureaus have already removed these accounts from their records, following the submission of my FTC report citing the identification of an error. I am puzzled as to how these accounts were verified by your bureau while other bureaus have successfully removed them. Therefore, I request the immediate deletion of these accounts from my file as they are inaccurate, erroneous, incomplete, or unverifiable. 


XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

The Week of XX/XX/XXXX, I was visiting friends in XXXX, XXXX. I made a transaction at a local XXXX Gas Station. Apparently, there was hacking equipment on this machine. 

On XX/XX/XXXX, while back in my home town of XXXX, XXXX, I noticed transactions being made on my checking account at Bank of America without my authorization. The charges where made at XXXX in XXXX, XXXX  in the amount of {$800.00}, XXXX XXXX  # XXXX in the amount of {$400.00} and XXXX XXXX  # XXXX in the amount of {$50000.00}. I immediately visited a Bank of America in XXXX, spoke with a bank manager, XXXX XXXX and explained the incidents. I also showed him I had my ATM card in hand. He also viewed my accounts and saw these transactions were posting to my BOA checking account. 

We proceeded to open a fraud report on these transactions. I also procured a police report from the XXXX Police Department regarding these unauthorized transactions and also uploaded it to my fraud report at the Bank. On XX/XX/ I received a letter from the bank stating that the claim was closed, they assumed the charges were authorized by me or made by me and would not be reimbursing me my money. 

How could I authorize or make these charges while in XXXX, XXXX? 

I have since, filed a claim with the Federal Trade Commission # XXXX, contacted my state Attorney General 's office and will be contacting the XXXX, XXXX  police department. 

Who can help me get my {$1700.00} back?
Product: Prepaid card

I opened a complaint to XXXX  ( COMPLAINT ID XXXX SUBMITTED ON XX/XX/2024 PRODUCT Debt or credit management ISSUE Didn't provide services promised. 
Yesterday Sunday XX/XX/XXXX XXXX pm During a phone call to TWIST, the company inform me that I my funds were withdraw by someone without autorization and even no receiving the replacement card that they will correct their service. 

My new complain is that my funds in the pay-roll master card, still no only waiting to receive the repacement card but also someone had withdraw the funds without autorization.
Product: Mortgage

My mortgage with chase bank originated XX/XX/XXXX, with chase bank accepting processing my monthly mortgage payment from chase bank account for XX/XX/XXXX through XX/XX/XXXX successfully.
Product: Checking or savings account

hi my name is XXXX XXXX, I have been having issues with both my peronal checking account with chase and my email account with XXXX. So basically what keeps happening is my information keeps getting hacked and this now the third time its happen. My money has be stolen before transactions have had happen. as far as my email and bank account my passwords and ids hvae been changed alot so I cant access my stuff. 

The best way to reach out to me is my cell number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the XXXX Account XXXX XXXX account number : XXXX, and Account name XXXX XXXX XXXX Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

I contacted Innovative Mortgage, XXXX XXXX Mortgage regarding a VA loan for the purchase of the Property. After receiving the initial loan estimate, I noticed that the broker fees were twice the Veterans Administration maximum allowed per the Veterans Administration guidelines. Specifically, the broker fees were in the amount of 2 %, whereby the maximum of allowed per VA guidelines is 1 %. When I notified the mortgage broker of this error and that the VA maximum 1 % percentage, the lender improperly conspired with XXXX to revise the purchase terms so that the mortgage paperwork would demonstrate a 1 % broker fee while still ultimately charging me the equivalent of a 2 % broker fee from my own funds. They " artificially '' reduced my initial deposit and coordinated with the seller to say that the funds were from the seller when in fact, they reduced my deposit in order to have the seller use my already deposited funds to a the 2 % broker fee. So, on paper, it would look like they abided by the law, but in reality they just forced me to pay over the maximum 1 % rule. 

At this juncture, I was left with no choice but to execute the Property purchase documents, under duress, as my Client had to close on the Property purchase by XX/XX/2022, or compensate the seller an additional {$12000.00} for the purchase price. As a result, I was coerced by XXXX Mortgage and XXXX to execute the Purchase paperwork with the improper brokerage fee that is in clear violation of Veterans Administration guidelines. This resulted in me paying an additional {$3200.00} for improper broker fees. 

Moreover, Innovative failed to lock in the loan at the appropriate rate when instructed to do as such. Accordingly, the quoted rate went from 4.75 % to 5.5 %. This equates to an additional {$180.00} in payment over the life of the loan which could be well over {$50000.00} during the loan period. 

I notified the lender and they have responded saying that they did not do anything wrong, when clearly they concocted a scheme to make me pay a 2 % broker fee when the VA doesn't allow this. Further, they caused me financial harm. After initially signing a floating lock dislcosure, I notified the broker to lock the loan, they said they would, they forgot and texted me saying that the rate had gone up from 4.75 % to 5.5 % - causing my payment to be {$180.00} higher per month. 

The response from the lender does NOT show the attached initial CD which shows they were charging XXXX points. And then they do not communicate in their response how they coordinated with XXXX XXXX to falsely show that XXXX XXXX paid 1 % seller credit. They did not. They used smoke and mirrors to reduce my deposit by {$3200.00} and show a fantom 1 % seller credit that XXXX homes did NOT pay for. They simply used my deposit of {$10000.00} and reduced it and had XXXX show a phantom credit only to make it look like XXXX homes paid a 1 % seller credit when in fact they did not. Which is in violation of the VA maximum 1 % borrower origination fee rules.
Product: Checking or savings account

On XXXX XXXX I deposited through the XXXX XXXX, NJ PNC bank drive-through a check in the amount of {$330000.00} from XXXX XXXX  XXXX XXXX company. I endorsed the check. It was deposited into my account and showed that it cleared in my account two days later. I began paying debts with the monies and went to the XXXX XXXX, NJ branch to give them wire information to pay off my mortgage at XXXX XXXX. XXXX met me outside and told me they turned the check into their loss prevention and avoidance department because the check was not endorsed by the other name on the check which was my mortgage company XXXX XXXX. To this day, no one at PNC has helped release the monies back into my account. They are holding the money because it is now in their legal departments hands. I just lost my home in a storm, it was demolished, I can not buy another home until my mortgage at XXXX is paid off. I have two more days to pay it off, XXXX has stopped withdrawing my mortgage from my account because of the understanding its getting paid off. PNC will not release the check back to me. They have not given me a copy of the check. I have a negative balance in my checking account. I'm being charged $ XXXX day in interest from my mortgage company every day its not paid off. I am in a dire situation and PNC is giving me the runaround. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX   XXXX ACT # XXXX XXXX XXXX XXXX ACCT # XXXX I demand the following accounts be verified or removed immediately.
Product: Credit reporting

On several accounts they were listed but were not correct from the original creditors who filed inaccurate and duplicate information. Sometimes up to XXXX different times. Penal codes were not followed by the credit reporting agencies as well as the federal laws. These items need to be taken off per CA law of a 3 yr statue. Penal code 1748.10 and Federal Law FCRA 62 ( a ) ( 5 ) ca ( iii ). Some of the items were not mine but the creditor insisted they were mine. Gave an address that was not mine as well. I have lived in the same house for 22 yrs.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I disputed an inaccurate item with Equifax Credit reporting company. Equifax did the investigation and replied back as the account was verified. In XXXX I disputed the inaccurate account WITH EQUIFAX AGAIN THE ACCOUNT which is XXXX XXXX # XXXX and they replied back as verified again in XXXX On XX/XX/XXXX I sent in another certified letter to Equifax I have copies of the mail receipt that I sent the letter certified to Equifax,, The letter was METHOD OF VERFICATION. I ASKED EQUIFAX TO SEND ME THERE METHOD OF VERFICATION SO THAT I CAN SEE WHO AND HOW THEY VERFIED THE ALLEGED ACCOUNT, ,BY LAW AND PER FCRA I AM ENTITLED TO SEE THE METHOD OF VERFICATION AND HOW THE VERFICATION PROCESS WAS PROCESSED. ON XX/XX/2018 EQUIFAX COMPLETED THERE INVESTIGATION AND FAILED TO SEND ME THERE METHOD OF VERFICATION,,, HOW ARE THEY verifying THESE ACCOUNTs with the creditors and me as the consumer cant get the copies and or information on there method of verification,,, Equifax has violated the law, has violated my rights as a consumer ... On XXXX all Equifax sent me by mail was the account was modified,,, I asked for the METHOD OF VERFICATION WHICH I AM ENTITLED TO. I HAVE COPIES OF THE LETTER THAT I SENT CERTIFIED TO EQUIFAX ON XX/XX/2018 THEY RECEVIED MY LETTER ON XX/XX/2018 AND HOW IS IT THAT EQUIFAX CANT AND DIDNT SEND ME THERE METHOD OF VERFICATION,,, I AM GOING TO FILE A SMALL CLAINS FOR THE NON COMPLIANCE,,,, OR DELETE THE INACURATE ACCOUNT OFF MY FILE. EQUIFAX IS NOT FOLLOWING THE FCRA RULES,,, YOU FAILED TO SEND ME THE METHOD OF VERFICATION WHIH IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT 611 ( A ) ( 7 ) MY LAST AND NEXT STEP IS SMALL CLAIMS FOR VOILATIONS AND NON COMPLIANCE OR DELETE THE INACCURATE ITEM OFF MY CREDIT FILE
Product: Credit reporting or other personal consumer reports

I was initially offered a secured loan by your company, XXXX XXXX, under the name XXXX XXXX, with the understanding that I would pay a {$31.00} insurance fee to secure the loan. However, I later discovered that what was presented to me as a loan was, in fact, a savings account that would help me build my credit. The money I deposited was not a loan, and I would only receive it at the end of the savings term or upon account cancellation. 

After realizing this discrepancy, I immediately requested the cancellation of the product via chat and phone. Despite my requests, I was charged the {$31.00} fee five times, and no response or action was taken on your part. I then stopped leaving money in the account, yet continued to experience difficulty in canceling the account. I made three additional written cancellation requests, provided the required information when asked, and was eventually told that my account had been canceled and that the cancellation would be reported to the credit bureaus. 

However, when I requested the refund of my money, I was told that I had no savings account, which is completely inaccurate. To make matters worse, my account was reported with a 60-day delinquency, which has severely impacted my credit score. 

I find this situation unacceptable. Not only was I misled into believing I was receiving a loan, but I was also charged for a service I never agreed to and did not benefit from. Furthermore, I was reported for a delinquency on payments that were made on time, which is both inaccurate and unjust.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is continually reporting incorrect information on my credit report! I requested this company to validate the debt and they have not provided me with I also asked to show me the method of verification and they have not sent me anything! I also asked this company to show me how investigated the negative items on my report they have also not provided me any of these items! 

This company is effecting my credit report negatively and it is not allowing me obtain any credit lines in order to provide my family! This company is braking several laws while violating my rights as a consumer under the FCRA & FDCBA! 

15 U.S. Code 1692- ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy 15 U.S. Code 1681- ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. In accordance with the written instructions of the consumer to whom it relates 15 U.S. Code 1681a - Definitions ; rules of construction. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

ACCOUNT : XXXX XXXX XXXX  ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT : XXXX XXXX ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX
Product: Debt collection

On XX/XX/2022, I received a text message from Credit Collection Services, stating that I owed XXXX XXXX XXXX XXXX {$1200.00}. I had no knowledge of the debt, since I haven't conducted business with this company. The text included a reference number and a link to the company 's site. I clicked the link and uploaded a PDF document, indicating that I had no knowledge of the debt and to provide proof that the alleged debt was in fact mine. This correspondence was sent via the company 's portal on XX/XX/2022. I never received anything validating the alleged debt, after sending a validation request. The only correspondence that I received were billing statements, stating that I owed the alleged amount. So on XX/XX/2022, I sent correspondence, yet again via the company 's website, requesting validation of this alleged debt. Still I received nothing. 

Today, XX/XX/2022, I receive notification from my credit monitoring service that Credit Collection Services has flagged my credit report with this alleged debt. I never received any validation of this alleged debt, yet they took it upon themselves to flag my credit report. This is a violation of the FDCPA and I want this inaccurate reporting removed.
Product: Mortgage

Nationstar opened an escrow account attached to my principle/interest only mortgage. Regular principle and interest payments were paid on the first of every month via automatic pay through my XXXX account. Those payments started on XXXX/XXXX/15 and have continued monthly through XXXX/XXXX/15. After erroneously opening the escrow account due to lack of insurance without our knowledge or consent, Nationstar credited my payments to the escrow account and not my regular mortgage payment thereby adversely affecting my wife 's and my excellent ( XXXX fico scores for both ) credit rating lowering our scores dramatically. This seems to me to be fraudulent. When I have spoken with Nationstar regarding this matter - several hours total on the phone - I have repeatedly been told that they can not fix this or send me a letter regarding the on-time payment history. Nor, have they made any effort to correct the erroneous credit reporting described above. I am submitting the proof of insurance showing Nation Star as loss payee that I provided to them and a complete mortgage payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of your recent investigation of the accounts reporting on my consumer report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Three months ago, I requested an investigation because these items are not being reported accurately. I received communication stating that your investigation was complete. As per 15 U.S.C 1681i ( 6 ) ( B ) ( iii ) I am requesting a description of the procedure used to determine the accuracy and completeness of the information. This would include but not limited to : 1. The name of the agent you spoke with to confirm the accuracy of what you are reporting as well as the name of your agent that spoke with said party. 
2. The time and date on which the communication took place. 
3. All if any certified documents reviewed to conclude your investigation. 
4. A complete copy of all of the information transmitted to the data furnisher as part of the investigation. 
5. Proof of your timely procurement of certified documents.

6. Copies of all correspondence including any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the accounts in question. 

In accordance to 15 U.S.C.1681i ( 7 ) A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

A template response will not be acceptable. Take note, these erroneous entries have been detrimental to my overall credit rating and have caused me severe financial and emotional distress.